KR20170135801A - Method for Relaying Monetary Transaction between Individuals by using Electronic Documents - Google Patents

Abstract

The present invention relates to an inter-personal money transaction relaying method using electronic documents. The method is executed by a server capable of communicating with a wireless user terminal processing a deposit transaction as well as communicating with a wireless terminal of a transaction requester requesting the deposit transaction for an inter-personal money transaction. A deposit transaction request for an inter-personal money transaction with a user designated through a program of the wireless terminal of the transaction requester is confirmed. An electronic document of the transaction request for inter-personal money transaction between the user and the transaction requester corresponding to the confirmed deposit transaction request is confirmed. An electronic signature of the transaction requester on the electronic document of the transaction request is confirmed. A transaction confirmation document including the electronic document of the transaction request and the electronic signature is provided to a program on the wireless user terminal to process the deposit transaction for inter-personal money transaction. The processing of the inter-personal money transaction corresponding to the electronic document of the transaction request is confirmed after checking the electronic document of the transaction request and the electronic signature of the transaction confirmation document through the program of the wireless user terminal. When the inter-personal money transaction is processed, the electronic document of the transaction request corresponding to the processed inter-personal money transaction is processed and stored in a designated storage area.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for relaying money transactions between individuals using electronic documents,

The present invention provides a method executed by a server capable of communicating with a transaction requester wireless terminal requesting a deposit transaction for an inter-personal money transaction and communicating with a user wireless terminal that processes the deposit transaction, An electronic transaction requesting electronic transaction for an electronic transaction between the user and the user in response to the confirmed electronic transaction request, Providing a transaction confirmation document including the transaction request electronic document and an electronic signature as a program of a user wireless terminal to process a payment transaction for the inter-individual money transaction by confirming the electronic signature of the transaction requestor for the requested electronic document, The transaction of the transaction confirmation through the program of the user wireless terminal An electronic document and an electronic signature are verified and then an inter-individual money transaction corresponding to the transaction request electronic document is processed; and if the inter-individual money transaction is processed, a transaction request electronic document corresponding to the processed inter- And an electronic document to be stored in a designated storage area.

A wireless banking system having at least one banking program in a wireless terminal such as a mobile phone or a smart phone to provide non-face banking has been constructed. Most of the wireless banking service provided through the wireless banking system is a reference service for its own account, and the wireless banking service, which is next most popular, is a money transfer service.

Meanwhile, most of the wireless banking services use various banking services such as internet banking, and most of the account transfer services provided through the wireless banking service are mostly account transfer transactions made by a payment request of another person. In other words, most of the money transfers provided through the wireless banking service are provided through the internet banking rather than the voluntary account transfer of the user of the wireless terminal, or through the automatic transfer service. .

However, when the user using the wireless banking service utilizes the account transfer by the deposit request through the wireless banking, the user of the wireless terminal must input the deposit bank, the deposit account, the deposit amount, etc. on the banking interface screen. . Particularly, since most of the wireless banking services are generated during the movement, it is very troublesome to input the deposit bank, the deposit account, the deposit amount, and the like in the wireless banking process.

In order to solve the above problems, those skilled in the art can change the account transfer by the deposit request to the account transfer transaction after receiving the deposit request message. However, in the account transfer transaction after receiving the message as described above, there is a problem in that it can be managed only when message reception and account transfer occur in real time (or within a predetermined time), and also it is difficult to block unjustified deposit transaction requests similar to voice phishing, Even a legitimate deposit transaction request has a difficulty in managing a spam deposit transaction demand that the user does not want.

The present invention is directed to a method of executing via a server capable of communicating with a transaction requester wireless terminal requesting a deposit transaction for an inter-personal money transaction and communicating with a user wireless terminal processing the deposit transaction, A first step of confirming a deposit transaction request for a money transaction between a user and a designated user through a program of a transaction request requesting a payment transaction, A second step of confirming the electronic signature of the transaction requester with respect to the transaction request electronic document and a second step of including the transaction request electronic document and the electronic signature as the program of the user wireless terminal to process the deposit transaction for the inter- A third step of providing a transaction confirmation to the user wireless terminal, A fourth step of confirming whether a transaction request electronic document of the transaction confirmation document and an electronic signature are confirmed and then an inter-individual money transaction corresponding to the transaction request electronic document is processed; and if the inter-individual money transaction is processed, And a transaction request electronic document corresponding to the interim money transaction is stored in a designated storage area.

The method for relaying an inter-personal money transaction using an electronic document according to the present invention includes the steps of: transmitting a transaction request to a transaction requesting wireless terminal through a server communicable with a user wireless terminal that processes the deposit transaction, The method comprising: a first step of confirming a deposit transaction request for a money transaction between an individual and a user designated through a program of a transaction requester wireless terminal; and a step of, in response to the confirmed deposit transaction request, A second step of confirming a transaction request electronic document for an inter-individual money transaction and confirming an electronic signature of a transaction requester for the transaction request electronic document, and a program of a user wireless terminal for processing a deposit transaction for the inter- A transaction confirmation document including the transaction request electronic document and the electronic signature is provided A fourth step of confirming whether a transaction request electronic document of the transaction confirmation document and an electronic signature are confirmed through a program of the user wireless terminal and then an inter-personal money transaction corresponding to the transaction request electronic document is processed; And a fifth step of processing the transaction request electronic document corresponding to the processed inter-individual money transaction to be stored in the designated storage area when the inter-money transaction is processed.

The transaction request electronic document may include a deposit request amount requested by the transaction requester, depositing bank information of the transaction requester, and a deposit account number, .

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the transaction request electronic document further includes deposit request detail information that the transaction requester inputs to request the deposit transaction.

The second step may include receiving a transaction request including a transaction request electronic document generated through a program of the transaction requester wireless terminal, .

In the method for relaying an inter-personal money transaction using an electronic document according to the present invention, when generating the transaction request electronic document in the program of the transaction requesting wireless terminal, the program of the transaction requesting wireless terminal includes: And generating a digital signature of the transaction request, wherein the transaction request further includes the generated digital signature.

The method for relaying an inter-personal money transaction using an electronic document according to the present invention includes the steps of performing a procedure for verifying the electronic signature when receiving a transaction request including the electronic signature from a program of the transaction requester wireless terminal And further comprising:

In the method for relaying an inter-personal money transaction using an electronic document according to the present invention, when generating the transaction request electronic document in the program of the transaction requester wireless terminal, the program of the transaction requester wireless terminal includes an authenticator Determining an authenticator data for authenticating the transaction requester wireless terminal that determines the data or the program for generating the transaction request electronic document to the transaction request medium of the transaction requester requesting the deposit transaction Wherein the transaction request further comprises the authenticator data.

The method may further include the step of authenticating the validity of the authenticator data when the authenticator data is received, in the inter-personal money transaction relaying method using the electronic document according to the present invention.

The method may further include configuring a transaction confirmation document including the transaction request electronic document and the authenticator data when the authenticator data is received, in the inter-personal money transaction relaying method using an electronic document according to the present invention .

The second step may include a step of generating a transaction request electronic document corresponding to a deposit transaction request through the program of the transaction requester wireless terminal, And a control unit.

The method may further include the step of generating an electronic signature of a transaction requester for the transaction request electronic document when generating the transaction request electronic document, , And further comprising the generated digital signature.

The method of the present invention may further comprise the step of determining the authenticator data for authenticating the transaction requester when generating the transaction request electronic document or the transaction requester wireless terminal executing the program, An authenticator data for determining whether to authenticate with a transaction requesting medium of a transaction requester requesting a deposit transaction or a server for generating the transaction request electronic document with an authenticator for receiving a transaction request medium of a transaction requester requesting the deposit transaction Further comprising an authenticator determining step of determining data, wherein the transaction confirmation further comprises the authenticator data.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the inter-individual money transaction corresponding to the transaction request electronic document is processed within a predetermined effective time after providing the transaction confirmation to the user wireless terminal .

A method for relaying an inter-personal money transaction using an electronic document according to the present invention is implemented through a server that is capable of communicating with a transaction requester wireless terminal requesting a deposit transaction and communicating with a user wireless terminal that processes the deposit transaction, A first step of confirming a deposit transaction request through the program of the transaction requester wireless terminal, a second step of confirming a transaction request electronic document corresponding to the deposit transaction request of the transaction requester and an electronic signature of the transaction request electronic document, A third step of providing a transaction confirmation document including the transaction request electronic document and an electronic signature as a program of a user wireless terminal to process a deposit transaction corresponding to the transaction request electronic document; When the transaction request electronic document of the transaction confirmation document and the electronic signature are confirmed A fourth step of confirming whether a transaction corresponding to the transaction request electronic document is processed, and a fourth step of, when the transaction processing corresponding to the transaction request electronic document is confirmed, processing the transaction request electronic document corresponding to the processed transaction to be stored in the designated storage area And a fifth step.

In an inter-personal money transaction relaying method using an electronic document according to the present invention, the transaction request electronic document includes a deposit request amount requested by the transaction requester.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the transaction request electronic document may further include deposit bank information and a deposit account number of the transaction requester.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the transaction request electronic document further includes deposit request detail information that the transaction requester inputs to request the deposit transaction.

The second step may include receiving a transaction request including a transaction request electronic document generated through a program of the transaction requester wireless terminal, .

In the method of the present invention, when a transaction request electronic document is generated in a program of a wireless terminal of a transaction requestor, the program of the transaction request wireless terminal includes an electronic signature Wherein the transaction request further comprises the generated digital signature.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, when the transaction request including the electronic signature is received from the program of the transaction requester wireless terminal, the step of verifying the electronic signature And further comprising:

In the inter-personal money transaction relaying method using an electronic document according to the present invention, when generating the transaction request electronic document in the program of the transaction requester wireless terminal, the program of the transaction requester wireless terminal includes a transaction requester requesting the deposit transaction Further comprising an authenticator determining step of determining the authenticator data to be authenticated, wherein the transaction request further includes the authenticator data.

In a transaction method of an inter-personal money transaction using an electronic document according to the present invention, the program of the transaction requester wireless terminal, when generating the transaction request electronic document in the program of the transaction requester wireless terminal, Further comprising an authenticator determining step of determining the authenticator data for authenticating the transaction requesting wireless terminal that executed the program with the transaction requesting medium of the transaction requester requesting the deposit transaction, And further comprising:

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the authenticator determining step may include receiving the authenticator data through the transaction requester, extracting authenticator data previously stored in a designated storage area, Generating at least one of generating authenticator data using a designated generated value or communicating with a designated server to agree with authenticator data.

The method according to the present invention is characterized in that the authenticator data includes data authenticable through a verifier of the user wireless terminal, data authenticable through a verifier of the server, And at least one of data that can be output through the network.

In an inter-personal money transaction relaying method using an electronic document according to the present invention, the authenticator data includes data that can be authenticated through the server.

In the case of receiving a transaction request including the authenticator data from a program of the transaction requester wireless terminal, the transaction requester reads the authenticator data and transmits the transaction request to the transaction requester Further comprising the step of authenticating the validity.

In the case of receiving a transaction request including the authenticator data from a program of the transaction requester wireless terminal, the method may further include reading the authenticator data to execute the program And authenticating a transaction requester wireless terminal with a transaction request medium of a transaction requester requesting the deposit transaction.

The method of the present invention is a method for relaying an inter-personal money transaction using an electronic document, the method comprising the steps of: when receiving a transaction request including the authenticator data from a program of the transaction requester wireless terminal, And a step of constructing a transaction confirmation including the transaction confirmation.

The second step may include a step of generating a transaction request electronic document corresponding to a deposit transaction request through the program of the transaction requester wireless terminal, And a control unit.

The method may further include generating an electronic signature for the transaction request electronic document when the transaction request electronic document is generated, wherein the transaction confirmation includes: And a digital signature obtained by the digital signature.

The method further includes an authenticator determining step of determining the authenticator data for authenticating the transaction requester requesting the deposit transaction when generating the transaction request electronic document in the inter-personal money transaction relaying method using the electronic document according to the present invention And the transaction confirmation document further includes the authenticator data.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, when generating the transaction request electronic document, the transaction requester wireless terminal executing the program is authenticated as a transaction request medium of the transaction requester requesting the deposit transaction And an authenticator determination step of determining the authenticator data for the authenticator data, wherein the transaction confirmation further comprises the authenticator data.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, when generating the transaction request electronic document, the server generating the transaction request electronic document is authenticated as a transaction request medium of the transaction requester requesting the deposit transaction And an authenticator determination step of determining the authenticator data for the authenticator data, wherein the transaction confirmation further comprises the authenticator data.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the authenticator determining step may include receiving the authenticator data through the transaction requester, extracting authenticator data previously stored in a designated storage area, Generating at least one of generating authenticator data using a designated generated value or communicating with a designated server to agree with authenticator data.

In the method of the present invention, the authenticator data may include at least one of data that can be authenticated through a verifier of the user wireless terminal and data that can be output through the user wireless terminal, And the like.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the transaction confirmation is transmitted to the program of the user wireless terminal using a message of a data network communicatively connected to the user wireless terminal.

In the inter-personal money transaction relaying method using an electronic document according to the present invention, the transaction processing corresponding to the transaction request electronic document is performed within a predetermined effective time after providing the transaction confirmation document to the user wireless terminal .

In the inter-personal money transaction relaying method using the electronic document according to the present invention, the transaction processing corresponding to the transaction request electronic document is processed through a program provided to the user wireless terminal that has received the transaction confirmation document .

The transaction request electronic document including the information on the transaction requester requesting the deposit transaction and the information on the user who processed the deposit transaction requested by the transaction requester, And storing the data in the designated storage area.

In an inter-personal money transaction relaying method using an electronic document according to the present invention, in the fifth step, at least one of information on a transaction requester requesting the deposit transaction and information on a user who has processed a deposit transaction requested by the transaction requester And a step of connecting one piece of information and the transaction request electronic document and storing them in a designated storage area.

And authenticating the validity of the transaction request medium by reading the authenticator data.

The transaction relaying method according to the present invention may further comprise checking a key value exchanged via the data network between the wireless terminal and the server, And authenticating the validity of the transaction request medium by reading the self data.

In the transaction relaying method according to the present invention, the third step may include checking authenticator data for authenticating the validity of the transaction request electronic document through a program provided in the wireless terminal of the user, And constructing a transaction confirmation containing the document and the verified authenticator data.

The transaction relaying method according to the present invention may further comprise constructing and storing history information of a transaction request electronic document received from at least one transaction request medium and provided as a program of at least one wireless terminal, When the validity of the medium is authenticated, the received transaction request electronic document is read through the history information and included in the history requested for transaction to the same account of the same bank, or included in the history provided by the program of the wireless terminal of the same user, Confirming that the electronic document is a transaction request electronic document included in the history of transaction approval at least once, and providing the transaction request electronic document as a program to the user's wireless terminal when the received transaction request electronic document is included in the history Can be a procedure for By the step of further comprising characterized by comprising.

In the transaction relaying method according to the present invention, when the received transaction request electronic document is not included in the history, checking detailed information of the received transaction request and checking the detailed information to the user's wireless terminal A step of requesting approval of the user by providing the program as a provided program and performing a procedure for providing the transaction request electronic document to the program of the user's wireless terminal upon confirmation of approval of the user .

The non-facing banking relay system according to the present invention is a system for relaying non-face banking in a transaction request medium of a transaction requester, a terminal or a server, and a server connected to a user wireless terminal, (Or a transaction requesting medium) that has generated the transaction requesting electronic document, and a transaction including the bank code, the deposit account number, the deposit request amount, and the deposit request detailed information, A transaction request message receiving means for receiving the request message, and authenticator data included in the transaction request message to authenticate whether the transaction request electronic document is a transaction request electronic document generated by a valid transaction requester (or transaction request medium) An electronic document authentication means for, when the transaction request electronic document is authenticated, By constructing a transaction confirmation message including the transaction document and a certificate transmitting means for transmitting to the user mobile terminal.

According to the present invention, the non-facing banking relay system further comprises a verifier storage means for storing verifier data (or a verifier generated value for dynamically generating the verifier data) to be compared with the verifier data, The electronic document authentication means can authenticate the transaction request electronic document by comparing the stored verifier data (or the verifier data generated dynamically with the verifier generated value) with the authenticator data included in the transaction request message have.

According to the present invention, the non-facing banking relay system includes: a verifier for generating verifier data (or a verifier generated value for dynamically generating the verifier data) for deriving a predicted result value by performing a predetermined verification operation with the authenticator data; (Or the verifier data generated dynamically via the verifier generated value) and the authenticator data included in the transaction request message, wherein the electronic document verifying means verifies whether the verifier data The transaction request electronic document can be authenticated by checking whether the predicted result value is derived through the verification operation.

According to the present invention, in the non-facing banking relay system, the authenticator data includes key input values exchanged between the server and the transaction request medium, character string data exchanged between the server and the transaction request medium, , The image data, the sound data, and the moving picture data, and the electronic document authentication means checks whether or not at least one of the key input value, data, image data, sound data, and moving picture data is included in the transaction request message The transaction requesting electronic document can be authenticated.

According to the present invention, when the transaction request electronic document is authenticated, the non-facing banking relay system connects the transaction request electronic document, the transaction request medium information, and the user wireless terminal information and stores them in a storage medium .

According to the present invention, when the transaction request electronic document is stored in the electronic document storage area of the user wireless terminal, the non-facing banking relay system includes a deposit bank code and a deposit account number included in the stored transaction request electronic document A history storing unit operable to store and store the relay history information; a history storing unit configured to store and store the relay history information; and a history storing unit configured to store the deposit bank code and the deposit information included in the received transaction request message when the transaction request electronic document included in the newly received transaction request message is authenticated A history checking unit for checking whether the account number is included in the relay history information; and a history checking unit for checking whether the deposit request amount of the transaction request message is included in the transaction history information if the deposit bank code and the deposit account number of the transaction request message are not included in the relay history information Electronic document relay request containing deposit request details Further comprising an electronic document relaying means for transmitting a request message to the user wireless terminal to obtain a relay approval of the transaction request electronic document, wherein the transaction confirmation sending means transmits the transaction request message to the user wireless terminal, And may transmit the transaction confirmation message to the user terminal if it is included in the relay history information or when the relay approval of the transaction request electronic document is confirmed.

According to the present invention, when the transaction request electronic document is stored in the electronic document storage area of the user wireless terminal, the non-facing banking relay system stores the transaction requester identification information of the deposit request detailed information included in the stored transaction request electronic document A history storing unit operable to store and store relay history information including at least one of a transaction number and a communication number; and a history storing unit configured to store the history of the transaction request message included in the transaction request message included in the transaction request message newly received through the transaction request receiving unit, (Or communication number) contained in the transaction history request information included in the transaction history request information included in the transaction history information, If not included in the transaction request message Further comprising an electronic document relay acknowledgment means for transmitting the electronic document relay approval request message including the requested amount and the deposit request detailed information to the user wireless terminal to obtain the relay approval of the transaction request electronic document, (Or communication number) included in the transaction request message is included in the relay history information, or when the relay approval of the transaction request electronic document is confirmed, the transaction confirmation message can be transmitted to the user terminal have.

According to the present invention, when the non-face-to-face banking relay system provides the deposit transaction through the transaction request electronic document stored in the electronic document storage area of the user wireless terminal, the deposit bank code included in the deposited transaction request electronic document, A history storing unit configured to store and store the banking history information including the account number; and a banking history storing unit configured to store banking history information including the banking history information stored in the banking history information storing unit, when the transaction requesting electronic document included in the transaction request message newly received through the transaction request receiving unit is authenticated, A history checking unit for checking whether a code and a deposit account number are included in the banking history information; and a history checking unit for checking whether the banking history information includes a wage of the transaction request message Which includes the requested amount and the requested Further comprising an electronic document relay acknowledgment unit for transmitting the electronic document relay approval request message to the user wireless terminal and obtaining the relay approval of the transaction request electronic document, The transaction confirmation message may be transmitted to the user terminal if the deposit account number is included in the banking history information or when the relay approval of the transaction request electronic document is confirmed.

According to the present invention, when the non-face banking relay system provides the deposit transaction through the transaction request electronic document to the electronic document storage area of the user wireless terminal, the transaction of the deposit request detail information included in the deposited transaction request electronic document History storing means for storing and storing banking history information including at least one of the requester identification information and the communication number; and a history storing means for storing, when the transaction request electronic document included in the transaction request message newly received through the transaction request receiving means is authenticated, History checking means for checking whether the transaction requester identification information (or communication number) included in the received transaction request message is included in the banking history information; If it is not included in the banking history information, Further comprising an electronic document relay acknowledgment unit for transmitting the electronic document relay approval request message including the request amount of the wage of the electronic mail message and the transfer request detail information to the user wireless terminal to obtain the relay approval of the transaction request electronic document, When the transaction request confirmation message transmission means includes the transaction requester identification information (or communication number) included in the transaction request message in the banking history information, or when the relay approval of the transaction request electronic document is confirmed, To the terminal.

According to the present invention, when the transaction request electronic document is not authenticated, the non-facing banking relay system constructs and stores blocking object electronic document information including the deposit bank code and the deposit account number included in the transaction request message A blocking target storage means for storing a bank transaction code and a deposit account number included in the received transaction request message when the new transaction request message is received through the transaction request receiving unit; Object confirmation means, and a transaction request deletion means for deleting the transaction request message including the electronic document information to be blocked.

According to the present invention, when the transaction request electronic document is not authenticated, the non-facing banking relay system configures the blocking object electronic document information including at least one of the transaction requester identification information and the communication number included in the transaction request message A transaction object identification information (or communication number) included in the received transaction request message is included in the blocking object electronic document information when the new transaction request message is received through the transaction request receiving unit And a transaction request erasing unit for erasing the transaction request message including the electronic document information to be blocked.

According to the present invention, the non-facing banking relay system comprises: an electronic document reception confirmation unit for confirming whether a transaction request electronic document provided to the user wireless terminal is stored in an electronic document storage area of the user wireless terminal; And a message transmission unit configured to transmit an acknowledgment message for the transaction request message to the transaction request medium when the transaction request electronic document is stored in the electronic document storage area.

According to the present invention, the non-facing banking relay system comprises transaction confirmation means for confirming a deposit transaction for a transaction request electronic document stored in the user wireless terminal, and a payment confirmation message for confirming the payment transaction message And a message transmission unit configured to transmit the transaction request message to the transaction request medium.

According to the present invention, the non-facing banking relay system includes: key storing means for storing a decryption key for decrypting an encrypted transaction request electronic document; and a control unit for, when receiving a transaction request message including the encrypted transaction request electronic document, And a decoding processing unit for decoding the transaction request message through the stored decryption key.

According to the present invention, the non-facing banking relay system comprises: key exchange means for exchanging a decryption key for decrypting the encrypted transaction request electronic document with the transaction request medium; and a transaction request message including the encrypted transaction request electronic document The decryption processing unit may decode the transaction request message through the exchanged decryption key.

According to the present invention, the non-facing banking relay system comprises: key storing means for storing an encryption key for encrypting a transaction request electronic document included in the transaction confirmation message; And an encryption processing means for encrypting the encrypted data.

According to the present invention, the non-facing banking relay system comprises: key exchange means for exchanging an encryption key for encrypting a transaction request electronic document included in the transaction confirmation message with the user wireless terminal; And encryption processing means for encrypting the transaction request electronic document through the exchanged encryption key.

According to the present invention, when the transaction request electronic document is authenticated, the non-facing banking relay system inherits the authentication result of the authenticated transaction requestor (or transaction request medium) to authenticate the server that verified the transaction request electronic document Authenticator determining means for determining the server authenticator data, and transaction acknowledgment generating means for generating a transaction acknowledgment message including the transaction request electronic document and the server authenticator data.

According to the present invention, the non-facing banking relay system further comprises an authenticator storing means for storing the server authenticator data (or an authenticator generating value for dynamically generating the server authenticator data) The means may determine the stored server authenticator data (or server authenticator data generated dynamically via the authenticator generated value) as server authenticator data for authenticating the server that verified the transaction request electronic document.

According to the present invention, in the non-facing banking relay system, the server authenticator data may include a key input value exchanged between the server and the user wireless terminal, a string exchanged between the server and the user wireless terminal, Wherein the authenticator determining unit determines at least one of the key input value, the data, the image data, the sound data, and the moving picture data, Can be determined as server authenticator data.

According to the present invention, when a transaction requesting electronic document is received from a transaction requesting medium, after the transaction requester (or transaction requesting medium) that created the transaction requesting electronic document is authenticated by the relay server, It is advantageous in that at least one transaction target electronic document among transaction request electronic documents stored through the user wireless terminal is determined according to the user's needs by transmitting and storing the electronic document to the terminal, thereby conveniently providing non-face banking.

According to the present invention, a transaction request electronic document created by at least one transaction request medium is relayed to a user wireless terminal and stored in the relay server, and a legitimate transaction requestor , It is advantageous to block the various electronic documents requiring spamming transaction by providing only the transaction request electronic document recognized by the user to the user wireless terminal.

1 is a diagram illustrating a configuration of a non-facing banking system through electronic document exchange according to an embodiment of the present invention.
2 is a diagram illustrating a relay server configuration for providing non-facing banking through electronic document exchange according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a configuration of a relay server for blocking / managing an electronic document requiring spamming according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of a transaction requester wireless terminal function requesting non-facing banking according to an embodiment of the present invention.
5 is a diagram illustrating a user wireless terminal functional configuration that provides non-facing banking in accordance with an embodiment of the present invention.
6 is a diagram illustrating a transaction request electronic document transmission process according to an embodiment of the present invention.
7 is a diagram illustrating a process of receiving a transaction request electronic document according to an embodiment of the present invention.
8 is a diagram for managing an electronic document requiring spamming transaction through a relay history according to an embodiment of the present invention.
9 is a diagram illustrating a process of storing a banking history through a transaction request electronic document according to an embodiment of the present invention.
FIG. 10 is a diagram illustrating management of an electronic document for requesting spam transaction through a banking history according to an embodiment of the present invention.
FIG. 11 is a diagram for managing a blocking target transaction request electronic document according to an embodiment of the present invention.
FIG. 12 is a flowchart illustrating an acknowledgment process of a transaction request electronic document according to an embodiment of the present invention.
FIG. 13 is a view illustrating a process of confirming a deposit of a transaction request electronic document according to an embodiment of the present invention.
14 is a diagram illustrating a process of receiving a transaction request electronic document of a user wireless terminal according to an embodiment of the present invention.
15 is a diagram illustrating a non-face banking process of a user wireless terminal through a transaction request electronic document according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

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

1 is a diagram illustrating a configuration of a non-facing banking system through electronic document exchange according to an embodiment of the present invention.

In more detail, FIG. 1 shows a transaction requesting electronic document constructed from a transaction requesting medium 100 including at least one of a wireless terminal 400, a wired terminal and a server of a transaction requester and transmits the electronic transaction request message to the relay server 200, The server 200 relays the transaction request electronic document to the user wireless terminal 400 and stores the transaction request electronic document in the electronic document storage area of the user wireless terminal 400 and then performs non-face banking through the stored transaction request electronic document One of ordinary skill in the art to which the present invention pertains can refer to and / or modify the FIG. 1 to illustrate various implementations of the non-facing banking system configuration Or alternatively, a method of implementation), but the present invention includes all such contemplated embodiments , The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 1, the transaction requester wireless terminal 400, the transaction request wired terminal, or the transaction requestor server is a medium for requesting a transaction to the user wireless terminal 400, After determining the authenticator data for authenticating the transaction requester (or transaction request medium 100) that created the transaction request electronic document, the request requesting electronic document and the transaction request message including the authenticator data And transmits it to the relay server 200.

Here, the authenticator data included in the transaction request message is not a configuration for providing data security or integrity / non-repudiation of the transaction request electronic document itself, but is information for identifying who is the transaction requester that created the transaction request electronic document , And the user wireless terminal (400) automatically determines whether to accept or reject the transaction request electronic document. That is, the present invention naturally rejects the transaction request electronic document in which the data security or integrity / non-repudiation prevention is not maintained, but even if the data security or the integrity / non-repudiation prevention is maintained, The requesting medium 100) may automatically reject the transaction requesting electronic document.

Upon receiving the transaction request message, the relay server 200 confirms whether the transaction request electronic document is created through the valid transaction requestor (or transaction request medium 100) through the authenticator data, To the user wireless terminal (400).

The user wireless terminal 400 receives the transaction request electronic document, stores it in the electronic document storage area, and processes non-face banking corresponding to the transaction request electronic document according to the user's needs.

2 is a diagram illustrating a configuration of a relay server 200 that provides non-facing banking through electronic document exchange according to an embodiment of the present invention.

FIG. 2 shows in more detail, a transaction requesting electronic document including a deposit bank code, a deposit account number, a deposit request amount, and deposit request detail information from a transaction requesting medium 100 of a transaction requester and a transaction (Or transaction request medium 100), and the transaction request message is transmitted to the valid transaction requester (or transaction request medium 100) via the authenticator data, And transmits the transaction confirmation message including the transaction request electronic document to the user wireless terminal 400. The present invention is not limited to the conventional knowledge in the technical field of the present invention, It is possible to refer and / or modify Figure 2 to illustrate various implementations of the non-facing banking system configuration (e.g., The present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only to the embodiments shown in FIG. 2 .

Referring to FIG. 2, the relay server 200 receives a transaction request electronic document including a deposit bank code, a deposit account number, a deposit request amount, and deposit request detail information from the transaction request medium 100 through a communication network, (210) for receiving a transaction request message including authenticator data for authenticating a transaction requestor (or transaction request medium (100)) that generated the transaction request electronic document, wherein the transaction request message receiving means A key storing means 230 for storing a decryption key for decrypting the encrypted transaction request electronic document or a key for exchanging a decryption key for decrypting an encrypted transaction request electronic document with the transaction requesting medium 100, Further comprising an exchange means (235), wherein when a transaction request message including the encrypted transaction request electronic document is received, The decoding processing means for decoding a future request message 240 may be further provided.

Here, the transaction request medium 100 may include at least one of a transaction requestor's wireless terminal 400, a wired terminal of a transaction requestor, and a server of a transaction requestor that generated the transaction request electronic document.

For example, when the type of transaction corresponding to the transaction request electronic document is an inter-personal remittance transaction, the transaction request medium 100 transmits the transaction request message to the wireless terminal 400 (for example, Or a smart phone), a wired terminal of a transaction requester (e.g., a computer or a notebook computer, etc.).

Alternatively, if the transaction type corresponding to the transaction request electronic document is a shopping mall settlement transaction or a utility bill payment transaction, the transaction request medium 100 may include a shopping mall server and a billing institution server that generated the transaction request electronic document have.

A transaction request electronic document including the deposit bank code, the deposit account number, the deposit request amount, and the deposit request detail information in the transaction request medium 100 shown in FIG. 4, Or the transaction requesting medium 100), and then transmits a transaction request message including the transaction request electronic document and the authenticator data, the transaction request receiving means 210 transmits the transaction request message to the transaction request receiving means 210 via the communication network. From the transaction request medium 100, a transaction request message including the transaction request message and the authenticator data.

Here, the deposit request amount is an amount requested by the transaction requester to deposit the payment to the user of the mobile terminal 400, and includes at least one of remittance amount, intercompany settlement amount, and utilitarian payment amount. In addition to the amount of money, various requested amounts can be included.

The deposit bank code and the deposit account number are information of the deposit account information for identifying the bank and the account for depositing the deposit request amount. The deposit bank code includes a two-digit number assigned to each bank, Lt; RTI ID = 0.0 > numbered < / RTI >

The detailed information of the deposit request is information that describes the transaction type of the non-face banking in which the user of the wireless terminal 400 deposits the deposit request amount into the deposit account of the deposit bank as a transaction target and the basis of the transaction.

Here, the transaction type of the non-face banking may include at least one of an inter-personal remittance transaction, a shopping mall settlement transaction, and a bills payment transaction, and the information describing the basis of the transaction may include identification information of a transaction requester of the transaction requester, And a communication number.

For example, when the transaction type corresponding to the transaction request electronic document is an inter-personal remittance transaction, the deposit request detailed information includes transaction requester identification information (for example, name of the transaction requester, mail address, 400) user relationship), or a transaction requester communication number.

Alternatively, when the transaction type corresponding to the transaction request electronic document is a shopping mall settlement transaction, the transfer request detail information includes transaction requester identification information (e.g., shopping mall information, mail address), transaction requester communication number (e.g., , Purchase product information, and order information.

Alternatively, when the transaction type corresponding to the transaction request electronic document is a bills payment transaction, the transfer request detail information includes transaction requester identification information (for example, billing institution information), a transaction requester communication number (for example, Billing object information (e.g., electricity, communication, etc.), usage amount / usage period information, and payment person information.

According to an embodiment of the present invention, the transaction request medium 100 can transmit the transaction request electronic document by encrypting it or by attaching a digital signature of the transaction request medium 100, May store the transaction request medium 100 and the decryption key in advance and store the decryption key in the storage medium 275. When the decryption key is stored, the decryption processing unit 240, when receiving the distance request message including the encrypted transaction-requesting electronic document (attached with the digital signature) through the transaction request receiving unit 210, The encrypted transaction request electronic document is decrypted through the stored decryption key or the electronic signature of the transaction request medium 100 attached to the transaction request electronic document is confirmed.

Alternatively, when the transaction request medium 100 encrypts and transmits the transaction request electronic document or transmits the transaction request medium 100 with the electronic signature of the transaction request medium 100, the key exchange unit 235 transmits the transaction request message The transaction requesting medium 100 that has generated the transaction request electronic document before receiving the encrypted transaction key may be exchanged with the transaction request medium 100 using at least one seed previously exchanged (or agreed upon) according to a predetermined decryption key generating method, It is possible to generate a decryption key. When the decryption key is exchanged (or generated), if a distance request message including the encrypted transaction-requested electronic document (or a digital signature attached thereto) is received through the transaction request receiving means 210, The means 240 decrypts the encrypted transaction request electronic document via the exchanged (or agreed upon) decryption key or verifies the electronic signature of the transaction requesting medium 100 attached to the transaction request electronic document.

Referring to FIG. 2, the relay server 200 reads out the authenticator data included in the transaction request message and transmits the transaction generated by the transaction requestor (or the transaction request medium 100) (Or verification operation) to be compared (or verified) with the authenticator data when the authenticator data is data to be compared (or verified) (Or a verifier generated value for dynamically generating the verifier data).

According to a first embodiment of the present invention, the authenticator data may include data to be compared with the stored verifier data (or verifier data dynamically generated via the verifier generated value), in which case the verification The character storing means 225 constitutes and stores the verifier data (or the verifier generated value for dynamically generating the verifier data) to be compared with the authenticator data.

Here, the verifier data is a value exchanged (or agreed upon) with the transaction request medium 100, and is a key that is input (exchanged) between the relay server 200 and the transaction request medium 100 (Or agreement) between the relay server 200 and the transaction requesting medium 100, which is generated in at least one of the relay server 200 and the transaction requesting medium 100, , A hash value, and a key value.

If the verifier data is dynamically generated at the time of receiving the transaction request electronic document, the verifier storage means 225 stores the fixed seed value and the dynamic seed determination value, which dynamically generate the verifier data, One can construct and store verifier generated values that contain one.

Here, the dynamically generated verifier data is a dynamically generated disposable value by substituting the verifier generated value into a predetermined value generation algorithm. The verifier generated value includes at least one of a fixed seed value and a dynamic seed determination value exchanged (or agreed to) with the transaction request medium 100 for dynamically generating the verifier data. The fixed seed value may be a key input value inputted by the user and exchanged (or agreed) between the relay server 200 and the transaction request medium 100, a key input value exchanged with at least one of the relay server 200 or the transaction request medium 100 The hash value, the key value, and the stored parameter value that are exchanged (or agreed) between the relay server 200 and the transaction request medium 100, And a parameter value. The dynamic seed determination value may be a value that determines a method of determining the time at which the verifier data is extracted as a seed or a seed value generated by the transaction request medium 100 to the relay server 200 Lt; / RTI >

When the verifier data is stored according to the first embodiment of the present invention, when a transaction request message including the comparison target authenticator data and the transaction request electronic document is received through the transaction request receiving means 210, The document authentication means 220 extracts the verifier data and compares the verifier data included in the transaction request message with the extracted verifier data to confirm that they match. If the verifier data matches the authenticator data, the electronic document authentication means 220 authenticates the transaction request electronic document with a valid electronic document generated by the authenticated transaction request medium 100.

Alternatively, if the validator generated value is stored according to the first embodiment, if a transaction request message including the comparison target authenticator data and the transaction request electronic document is received via the transaction request receiving means 210, The electronic document authentication means 220 determines the at least one fixed seed value and the dynamic seed value through the verifier generated value and then determines the at least one fixed seed value and the dynamic seed value And generates the validator data dynamically by substituting it into the preset value generation algorithm. If the verifier data is generated, the electronic document authentication unit 220 compares the verifier data included in the transaction request message with the extracted verifier data and verifies whether they match. If the verifier data matches the authenticator data, the electronic document authentication means 220 authenticates the transaction request electronic document with a valid electronic document generated by the authenticated transaction request medium 100.

According to a second embodiment of the present invention, the authenticator data may be generated by performing a predetermined verification operation with the stored verifier data (or verifier data generated dynamically via the verifier generated value) and deriving a predicted result value In this case, the verifier storage unit 225 constructs and stores the verifier data to be verified with the verifier data (or a verifier generation value to dynamically generate the verifier data) Or a validator generation value including at least one of a fixed seed value and a dynamic seed determination value for dynamically generating the verifier data.

When the verifier data is stored according to the second embodiment of the present invention, when a transaction request message including the verification-target authentication data and the transaction request electronic document is received through the transaction request receiving means 210, The electronic document authentication unit 220 extracts the verifier data and verifies whether the predicted result value is derived by performing a verification operation set in the verifier data and the verifier data. If the result of the verification operation of the verifier data and the authenticator data is derived, the electronic document authentication unit 220 determines that the transaction request electronic document is a valid electronic document created by the authenticated transaction request medium 100 Authenticate as a document.

Alternatively, when the verifier generated value is stored according to the second embodiment, if a transaction request message including the verification-target authenticator data and the transaction request electronic document is received through the transaction request receiving means 210, The electronic document authentication unit 220 determines the at least one fixed seed value and the dynamic seed value through the verifier generated value and then determines the at least one fixed seed value and the dynamic seed value To the preset value generation algorithm to dynamically generate the verifier data. If the verifier data is generated, the digital document authentication unit 220 verifies whether the predicted result value is derived by performing a verification operation previously set on the authenticator data and the verifier data. If the result of the verification operation of the verifier data and the authenticator data is derived, the electronic document authentication unit 220 determines that the transaction request electronic document is a valid electronic document created by the authenticated transaction request medium 100 Authenticate as a document.

According to a third embodiment of the present invention, the authenticator data includes a key input value exchanged between the relay server 200 and the transaction request medium 100, a key input value exchanged between the relay server 200 and the transaction request medium 100 Image data, sound data, and moving image data, which are exchanged between or registered with a certification authority.

According to the third embodiment of the present invention, the authenticator data including at least one of the key input value, the character string data, the image data, the sound data, and the moving picture data and the transaction request electronic document are transmitted through the transaction request receiving means 210 The electronic document authentication means 220 determines whether at least one of the key input value, data, image data, sound data, and moving image data is included in the transaction request message, Authenticates a valid electronic document generated by the requesting medium (100).

Referring to FIG. 2, when the transaction request electronic document is authenticated, the relay server 200 connects the transaction request electronic document with the transaction request medium 100 information and the user wireless terminal 400 information, 275. The electronic document storing means may store the electronic document stored in the electronic document storing means.

The transaction request electronic document stored in the storage medium 275 functions to back up the transaction request electronic document requested by the transaction requestor to the user wireless terminal 400, May be retransmitted to the user wireless terminal (400) at the request of the user terminal (400).

Referring to FIG. 2, when the transaction request electronic document is authenticated, the relay server 200 configures a transaction confirmation message including the transaction request electronic document and transmits a transaction confirmation message to the user wireless terminal 400 A key storage means (230) for storing an encryption key for encrypting a transaction request electronic document included in the transaction confirmation message or a key storage means (230) for storing a transaction included in the transaction certificate message A key exchange means 235 for exchanging an encryption key for encrypting the request electronic document, and an encryption processing means 245 for encrypting the transaction request electronic document through the stored (or exchanged) encryption key.

According to the present invention, the transaction confirmation message may further include server authenticator data for authenticating the relay server 200 that has confirmed the transaction request electronic document.

Referring to FIG. 2, when the transaction authenticator data is included in the transaction confirmation message, the relay server 200 determines whether the transaction request message (or transaction request medium 100 ) Authenticating the electronic document to be authenticated, and determining the server authenticator data for authenticating the server confirming the transaction request electronic document; and a transaction confirmation including the transaction request electronic document and the server authenticator data The transaction confirmation message transmission means 215 transmits a transaction confirmation message including the transaction request electronic document and the server authenticator data to the user wireless terminal 400 send.

Referring to FIG. 2, when the server authenticator data is included in the transaction confirmation message, the relay server 200 transmits the server authenticator data (or an authenticator generated value for dynamically generating the server authenticator data) (Or server authenticator data dynamically generated through the authenticator generated value) to the authenticator storage means 250. In this case, the authenticator determining means 255 may store the server authenticator data As the server authenticator data for authenticating the server confirming the transaction request electronic document.

According to an embodiment of the present invention, the server authenticator data may include key input values exchanged between the relay server 200 and the user wireless terminal 400, a key input value exchanged between the relay server 200 and the user wireless terminal 400, Image data, sound data, and moving picture data, which are exchanged between the authentication data storage unit 240 and the authentication data storage unit 240 or registered in the certification authority. In this case, the authenticator determination unit 255 may store the key input value, Sound data, and moving image data as server authenticator data for authenticating a server identifying the transaction request electronic document.

Referring to FIG. 2, the relay server 200 includes an electronic document receipt confirmation unit (not shown) for confirming whether a transaction request electronic document provided to the user wireless terminal 400 is stored in an electronic document storage area of the user wireless terminal 400 When the transaction request electronic document is stored in the electronic document storage area of the user wireless terminal 400, an acknowledgment message including acknowledgment information of the user wireless terminal 400 for the transaction request message And a message transmission unit 205 for transmitting the message to the transaction request medium 100.

Referring to FIG. 2, the relay server 200 processes non-face banking for a deposit bank code, a deposit account number, and a deposit request amount included in the transaction request electronic document in cooperation with the user wireless terminal 400 Or banking processing means (270) for relaying the non-facing banking to the banking server (105).

Referring to FIG. 2, the relay server 200 is connected to the user wireless terminal 400 during non-face-to-face banking provided to the user wireless terminal 400 through the banking processing unit 270 or the banking server 105 A transaction confirmation means (265) for confirming a payment transaction for the stored transaction request electronic document; and a payment confirmation message including payment confirmation information of the user wireless terminal (400) for the transaction request message when the payment transaction is confirmed To the transaction request medium (100).

FIG. 3 is a diagram illustrating a configuration of a relay server 200 that blocks / manages spammy transaction request electronic documents according to an embodiment of the present invention.

3 is a block diagram illustrating a configuration of blocking / managing an e-mail message requesting spamming in the process of providing non-face banking through the relay server 200 shown in FIG. 2, Those skilled in the art will be able to refer to and modify various aspects of the configuration of the relay server 200 in accordance with the present invention, And the technical characteristics thereof are not limited only by the method shown in FIG.

According to the first embodiment of the present invention, the relay server 200 configures / manages the relay history information on the transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400, Documents can be blocked / managed.

Referring to FIG. 3 according to the first embodiment, when the transaction request electronic document is stored in the electronic document storage area of the user wireless terminal (400), the relay server (200) A history storage unit (305) configured to store and store relay history information including a deposit bank code and a deposit account number; and a history storage unit (305) for storing a transaction request electronic document included in a transaction request message newly received through the transaction request receiver A history checking means (310) for checking whether the deposit bank code and the deposit account number included in the received transaction request message are included in the relay history information; and a history checking means for checking whether the deposit bank code and the deposit account number of the transaction request message are included in the relay history Information included in the transaction request message and the deposit request detailed information, And an electronic document relay acknowledgment means (315) for transmitting the electronic document relay approval request message to the user wireless terminal (400) and obtaining the relay approval of the transaction request electronic document. The transaction confirmation transfer means (215) And transmits the transaction confirmation message message to the user terminal when the banking code and the deposit account number of the transaction request message are included in the relay history information or when the relay approval of the transaction request electronic document is confirmed.

When the transaction request electronic document included in the transaction confirmation message transmitted to the user wireless terminal 400 is stored in the electronic document storage area of the user wireless terminal 400, the history storage unit 305 stores the transaction request message 100) Validate / extract the deposit bank code and the deposit account number included in the validation-authenticated transaction request electronic document, and construct and store relay history information including the deposit bank code and the deposit account number.

Here, the relay history information may be automatically / manually set to a valid period of a certain period, and the history storing unit 305 maintains the relay history information during the valid period. The relay history information can be erased / changed by the user.

After the relay history information is stored, a new transaction request message is received through the transaction request receiver, and the transaction request message of the transaction request electronic document included in the newly received transaction request message When the validity of the transaction request electronic document is confirmed, the history checking means 310 confirms / extracts the deposited bank code and the deposit account number from the transaction request electronic document included in the received transaction request message, The bank code and the deposit account number are compared with the deposit bank code and the deposit account number included in the relay history information to check whether there is matching relay history information.

If the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request message do not match the deposit bank code and the deposit account number of the relay history information, the electronic document relay approval means 315 Transmits an electronic document relay approval request message including the wage request amount and the deposit request detailed information of the transaction request message to the user wireless terminal 400 and requests the relay approval of the transaction request electronic document.

If the relay of the user wireless terminal 400 to the transaction request electronic document is approved through the relay approval request message, the transaction confirmation sending means 215 transmits a transaction confirmation message including the transaction request electronic document to the user terminal send.

On the other hand, if the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request message match the deposit bank code and the deposit account number of the relay history information, Transmits a transaction confirmation message including the requested electronic document to the user terminal, and the history storage means (305) constructs and stores relay history information including the deposit bank code and the deposit account number of the transaction request electronic document.

Referring to FIG. 3 according to the first embodiment, when the transaction request electronic document is stored in the electronic document storage area of the user wireless terminal 400, the relay server 200 inserts the transaction request electronic document into the stored transaction request electronic document History storing means 305 for storing and storing relay history information including at least one of the transaction requester identification information and the communication number of the received deposit request detailed information, When the transaction request electronic document is authenticated, the history confirmation means 310 confirms whether the transaction requester identification information (or communication number) included in the authenticated transaction request message is included in the relay history information. If the included transaction requester identification information (or communication number) is not included in the relay history information, An electronic document relay approval means 315 for transmitting the electronic document relay approval request message including the request amount of money of the transaction request message and the deposit request detail information to the user wireless terminal 400 to obtain the relay approval of the transaction request electronic document, The transaction confirmation request transmitting means 215 may be configured to transmit the transaction request identification information (or communication number) included in the transaction request message to the relay history information, If it is confirmed, the transaction confirmation message is transmitted to the user terminal.

When the transaction request electronic document included in the transaction confirmation message transmitted to the user wireless terminal 400 is stored in the electronic document storage area of the user wireless terminal 400, the history storage unit 305 stores the transaction request message 100) validity-authenticated transaction request document At least one of the transaction requester identification information and the communication number of the deposit request detailed information included in the electronic document is confirmed / extracted, and the relay history information including the transaction requester identification information (or communication number) And the validity period of the relay history information may be automatically / manually set.

After the relay history information is stored, a new transaction request message is received through the transaction request receiver, and the transaction request message of the transaction request electronic document included in the newly received transaction request message When the validity of the transaction request message (100) is authenticated, the history checking means (310) confirms / extracts the transaction requester identification information (or communication number) from the transaction request electronic document included in the received transaction request message, (Or communication number) included in the relay history information and the transaction requester identification information (or the communication number) included in the relay history information to check whether there is matching relay history information.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request message does not match the transaction requester identification information (or communication number) of the relay history information, The controller 315 constructs an electronic document relay approval request message including the requested amount of money and the transfer request detailed information of the transaction request message and transmits the electronic document relay approval request message to the user wireless terminal 400 to request relay approval of the transaction request electronic document .

If the relay of the user wireless terminal 400 to the transaction request electronic document is approved through the relay approval request message, the transaction confirmation sending means 215 transmits a transaction confirmation message including the transaction request electronic document to the user terminal send.

On the other hand, if the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request message matches the transaction requester identification information (or communication number) of the relay history information, Transmits the transaction confirmation message including the transaction request electronic document to the user terminal, and the history storage means 305 stores the transaction history information including the transaction requester identification information (or communication number) of the transaction request electronic document And stores it.

According to the second embodiment of the present invention, the relay server 200 configures / manages the banking history information for the deposit transaction provided through the transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400, It can block / manage various spammy transaction request electronic documents.

Referring to FIG. 3 according to the second embodiment, when the payment transaction is provided through the transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400, the relay server 200 transmits the deposited transaction A history storing means (305) for storing and storing banking history information including a deposit bank code and a deposit account number included in the request electronic document, and a history storing means (305) for storing the transaction request electronic data included in the newly received transaction request message A history checking unit 310 for checking whether the deposit bank code and the deposit account number included in the transaction request message are included in the banking history information when the document is authenticated; Is not included in the banking history information, the amount of money requested in the transaction request message and the deposit And an electronic document relay approval means (315) for transferring an electronic document relay approval request message including the detailed information to the user wireless terminal (400) so as to obtain relay approval of the transaction request electronic document, The confirmation sending means 215 transmits the transaction confirmation message to the user terminal when the banking history information of the transaction request message is included in the banking history information or when the relay approval of the transaction request electronic document is confirmed send.

The transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400 through the banking processing means 270 (or the banking server) The history storing unit 305 confirms / extracts the deposit bank code and the deposit account number included in the transaction request electronic document provided with the deposit transaction, and stores the deposit bank code and the deposit account number in the banking including the deposit bank code and the deposit account number Construct and store history information.

Here, the banking history information may be automatically / manually set to a valid period of a predetermined period, and the history storing unit 305 maintains the banking history information during the valid period. The banking history information can be erased / changed by the user.

After the banking history information is stored, a new transaction request message is received through the transaction request receiver, and the transaction request message of the transaction request electronic document included in the newly received transaction request message When the validity of the transaction request electronic document is confirmed, the history checking means 310 confirms / extracts the deposited bank code and the deposit account number from the transaction request electronic document included in the received transaction request message, The bank code and the deposit account number are compared with the deposit bank code and the deposit account number included in the banking history information to check whether the matching banking history information exists.

If the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request message do not match the deposit bank code and the deposit account number of the banking history information, the electronic document relay approval means 315 Transmits an electronic document relay approval request message including the wage request amount and the deposit request detailed information of the transaction request message to the user wireless terminal 400 and requests the relay approval of the transaction request electronic document.

If the relay of the user wireless terminal 400 to the transaction request electronic document is approved through the relay approval request message, the transaction confirmation sending means 215 transmits a transaction confirmation message including the transaction request electronic document to the user terminal Lt; / RTI >

On the other hand, if the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request message match the deposit bank code and the deposit account number of the relay history information, And transmits the transaction confirmation message including the requested electronic document to the user terminal. The history storage unit 305 constructs and stores the banking history information including the deposit bank code and the deposit account number of the transaction request electronic document.

Referring to FIG. 3 according to the second embodiment, when the transfer transaction is provided through the transaction request electronic document in the electronic document storage area of the user wireless terminal (400), the relay server (200) A history storage unit (305) configured to store and store banking history information including at least one of transaction requester identification information and communication number of the deposit request detailed information included in the electronic document; History checking means (310) for checking whether the transaction requester identification information (or communication number) included in the authenticated transaction request message is included in the banking history information when the transaction request electronic document included in the message is authenticated, The transaction requester identification information (or communication number) included in the transaction request message is not included in the banking history information An electronic document relay request message including the wage request amount and the deposit request detailed information of the transaction request message is transmitted to the user wireless terminal 400 to relay the electronic document of the transaction request electronic document (Or communication number) included in the transaction request message is included in the banking history information, or the transaction request message transmitting means 215 receives the transaction request message And transmits the transaction confirmation message to the user terminal.

The transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400 through the banking processing means 270 (or the banking server) The history storing unit 305 confirms / extracts at least one of the transaction requester identification information and the communication number of the deposit request detailed information included in the transaction request electronic document provided with the deposit transaction, and the transaction requester identification (Or communication number), and the banking history information may be automatically / manually set to a valid period.

After the banking history information is stored, a new transaction request message is received through the transaction request receiver, and the transaction request message of the transaction request electronic document included in the newly received transaction request message When the validity of the transaction request message (100) is authenticated, the history checking means (310) confirms / extracts the transaction requester identification information (or communication number) from the transaction request electronic document included in the received transaction request message, (Or communication number) included in the banking history information and the transaction requester identification information (or communication number) included in the banking history information to check whether there is matching banking history information.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request message does not match the transaction requester identification information (or communication number) of the banking history information, The controller 315 constructs an electronic document relay approval request message including the requested amount of money and the transfer request detailed information of the transaction request message and transmits the electronic document relay approval request message to the user wireless terminal 400 to request relay approval of the transaction request electronic document .

If the relay of the user wireless terminal 400 to the transaction request electronic document is approved through the relay approval request message, the transaction confirmation sending means 215 transmits a transaction confirmation message including the transaction request electronic document to the user terminal send.

On the other hand, if the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request message matches the transaction requester identification information (or communication number) of the relay history information, ) Transmits a transaction confirmation message including the transaction request electronic document to the user terminal, and the history storage means 305 stores banking history information (or transaction number) including the transaction requester identification information (or communication number) And stores it.

According to the third embodiment of the present invention, the transaction request electronic document included in the transaction request message that has not been authenticated through the electronic document authentication means 220 is designated as a blocking object to block / manage various spammy transaction request electronic documents .

Referring to FIG. 3 according to the third embodiment, when the transaction request electronic document is not authenticated through the electronic document authentication means 220, the relay server 200 transmits the transaction request message to the deposit bank A blocking target storage unit (320) configured to store and store blocking target electronic document information including a code and a deposit account number; and a blocking target storage unit Blocking object confirmation means 325 for checking whether the deposit bank code and the deposit account number are included in the blocking object electronic document information, a transaction request deletion means 330 for deleting the transaction request message including the blocking object electronic document information The electronic document information to be blocked can be erased / changed by the user, or the at least one block The transaction requesting electronic document information to be included in the blocking object can be updated by exchanging the blocking target electronic document information with a management server (not shown) for managing the target transaction requesting electronic document.

If the transaction request electronic document is not authenticated in the validity authentication process of the transaction request electronic document through the electronic document authentication means 220, the blocking object storage means 320 stores the deposit bank code included in the transaction request message, The electronic document information to be blocked including the deposit account number is constructed and stored.

If the new transaction request message is received through the transaction request receiving unit after the blocking target electronic document information is stored, the blocking object checking unit 325 extracts the banking electronic code from the transaction request electronic document included in the received transaction request message, And comparing the deposit bank code and the deposit account number of the transaction request electronic document with the deposit bank code and the deposit account number contained in the blocking object electronic document information, Is present.

If the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request message match the deposit bank code and the deposit account number of the blocking object electronic document information, the transaction request deletion unit 330 deletes And deletes the transaction request message including the blocking target electronic document information.

On the other hand, if the deposit bank code and the deposit account number of the transaction request electronic document included in the received transaction request message do not match the deposit bank code and the deposit account number included in the blocking object electronic document information, 220 authenticates the validity of the transaction request electronic document included in the received transaction request message.

Referring to FIG. 3 according to the third embodiment, when the transaction request electronic document is not authenticated through the electronic document authentication means 220, the relay server 200 transmits the transaction request message included in the transaction request message A blocking target storage unit 320 for storing and storing blocking target electronic document information including identification information (or a communication number), and a blocking request receiving unit 320 for receiving a new transaction request message from the transaction request receiving unit, Blocking object checking means 325 for checking whether the included transaction requester identification information (or communication number) is included in the blocking object electronic document information, and a transaction request message 322 for deleting the transaction request message including the blocking object electronic document information The electronic document information to be blocked may be erased / changed by the user, or may be deleted by the user By exchanging one block of the target transaction management server (not shown) for managing the requested electronic document and the cut-off the electronic document information to be included in the target block may update the transaction request, the electronic document information.

If the transaction request electronic document is not authenticated in the validity authentication process of the transaction request electronic document through the electronic document authentication means 220, the blocking object storage means 320 stores the transaction requestor identification information included in the transaction request message (Or communication number) of the electronic document to be blocked.

If the new transaction request message is received through the transaction request receiving unit after the blocking target electronic document information is stored, the blocking object checking unit 325 identifies the transaction requestor from the transaction request electronic document included in the received transaction request message (Or communication number) of the transaction requesting electronic document and compares the transaction requester identification information (or communication number) of the transaction request electronic document with the transaction requester identification information (or communication number) included in the blocking target electronic document information, It is determined whether the electronic document information to be blocked exists.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request message matches the transaction requester identification information (or communication number) of the blocking target electronic document information, The control unit 330 deletes the transaction request message including the blocking target electronic document information.

On the other hand, if the transaction requester identification information (or communication number) of the transaction request electronic document included in the received transaction request message does not match the transaction requester identification information (or communication number) included in the blocking target electronic document information, The document authenticating unit 220 authenticates the validity of the transaction request electronic document included in the received transaction request message.

4 is a functional block diagram of a transaction requester wireless terminal 400 requesting non-facing banking according to an embodiment of the present invention.

In more detail, FIG. 4 constitutes a transaction request electronic document by substituting the deposit bank code, the deposit account number, the deposit request amount, and the deposit request detailed information into the predetermined electronic document format (or data structure) (Or transaction request medium 100), and then generates a transaction request message including the transaction request electronic document and the authenticator data to request non-face banking 400, it is to be understood by those skilled in the art that reference to and / or modification of FIG. 4 may be used to deduce various implementations of the functionality of the wireless terminal 400 It should be noted that the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. 4 The. The wireless terminal 400 of FIG. 4 may further include various functional configurations of a cellular phone (or a smartphone) currently and / or to be released in addition to the function configuration unit shown in FIG. 4, and thus the present invention is not limited thereto. .

4, the wireless terminal 400 includes a control unit 401, a memory unit 409, a screen output unit 402, a sound processing unit 403, a key input unit 404, a wireless communication unit 406, A USIM reader 407 and a USIM 408 and a battery 405 for power supply and includes at least one functional component (e.g., a camera (not shown), a positioning component Omitted), and the like.

The control unit 401 is a general term for controlling the operation of the wireless terminal 400. The control unit 401 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 401 loads at least one program code included in the wireless terminal 400 into the execution memory through the processor, and outputs the result to at least one function And controls the operation of the wireless terminal 400. FIG. Hereinafter, a function configuration unit implemented in the form of program code for implementing the present invention will be described in the control unit 401 of FIG. 4 for convenience.

The memory unit 409 is a general term of the nonvolatile memory included in the wireless terminal 400 and includes at least one program code executed through the control unit 401 and at least one data set used by the program code And stores it. The memory unit 409 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 400, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 400, One application program code and application data set are stored, and the program code and data set for implementing the present invention are also stored in the memory unit 409.

According to the present invention, the memory unit 409 included in the wireless terminal 400 has an electronic document storage area for storing at least one transaction request electronic document created for a transaction request. Here, the electronic document storage area is a storage area allocated to store at least one transaction request electronic document file, or a data block corresponding to at least one transaction request electronic document composed of a predetermined electronic document format (or data structure) May include a data file to store and store.

The screen output unit 402 is composed of a screen output device (for example, a liquid crystal display (LCD) device) and an output module for driving the screen output device 402. The screen output unit 402 is connected to the control unit 401 via a bus, And outputs an operation result corresponding to the screen output to the screen output device.

The sound processor 403 includes a speaker for outputting a sound signal, a microphone for receiving a sound signal, and a sound module for driving the speaker / microphone. The sound processor 403 is connected to the controller 401 via a bus, And outputs the calculation result corresponding to the sound output from the various calculation results through the speaker or transmits the sound data inputted through the microphone to the controller 401. [ The sound module decodes the sound data to be output through the speaker and converts the sound data into a sound signal or encodes the sound signal inputted through the microphone to encode the sound signal.

The key input unit 404 comprises a key input device having at least one key button (or a touch screen device interlocked with the screen output unit 402) and an input module for driving the key input unit. The control unit 401, And inputs a command for commanding various operations of the control unit 401 or data necessary for the operation of the control unit 401. [

The wireless communication unit 406 is a collective term for communicating wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band, The control unit 401 transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the controller 401 or receives the data through the wireless communication and transmits the data to the controller 401 And also maintains procedures for connection, registration, communication, and handoff of the wireless communication.

According to an embodiment of the present invention, the wireless communication unit 406 includes a mobile communication configuration that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA standard IEEE 802.11? And may further include a wireless data communication configuration for performing at least one of connection to a data communication network, location registration, data communication, and handoff using Wi-Fi / Bluetooth according to the standard. Meanwhile, according to the intention of a person skilled in the art, the wireless communication unit 406 may be an IEEE 802.16? The portable communication terminal may further include a portable Internet communication configuration that performs at least one of connection to a portable Internet, location registration, data communication, and handoff according to a standard. The wireless communication unit 406 may provide a wireless communication configuration, I will make it clear.

The USIM reader unit 407 is a generic term of a configuration for exchanging at least one data set with a Universal Subscriber Identity Module that is mounted or detached from the wireless terminal 400 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM 408 is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 407, An IC chip memory for storing a program code for a chip and a data set; and a control unit for calculating the program code for the IC chip or extracting the data set in accordance with at least one command transmitted from the wireless terminal (400) And transmitting the processed data to the input / output interface.

The input / output interface includes at least one of a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and an input / output , The processor interfaces with the USIM reader unit 407 via the contact. The IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module, and stores at least one communication required for connection to a wireless communication network of the wireless terminal (400) (Subscriber Identity Module) information including parameters. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (for example, SD (Security Domain)) storing program codes (= applets) and data sets produced by at least one applet issuer )).

Referring to FIG. 4, the wireless terminal 400 includes a transaction request interface for inputting a deposit bank code for requesting non-face banking, a deposit account number, a deposit request amount, and a deposit request detail information to the user wireless terminal 400 (Or a data structure) of the deposit bank code, the deposit account number, the deposit request amount, and the deposit request detail information input through the transaction request interface, An authenticator determining unit 420 for determining the authenticator data for authenticating the electronic document composing unit 415 composing the electronic document and the transaction requestor (or the transaction requesting medium 100) that created the transaction request electronic document; A transaction request message generation unit 425 for generating a transaction request message including the transaction request electronic document and the authenticator data, May be provided, and further comprising the certifier data authenticator storage unit 435 to store (or the verifier data, the dynamically generated authenticator generating values) the transaction request transmission unit 430. The

The interface providing unit 410 displays a transaction requesting interface for inputting a banking code, a transferring account number, a transfer requesting amount, and a transfer requesting detailed information by a menu selection (or command input) of the wireless terminal 400 Or a server (not shown) on the communication network of the wireless terminal 400 and receives the transaction request interface provided by the server.

When the deposit bank code, the deposit account number, the deposit request amount, and the deposit request detail information are input through the transaction request interface, the electronic document configuring unit 415 generates the deposit bank code, the deposit account number, The transaction request electronic document is constructed by substituting the detailed information of the deposit request into the predetermined electronic document format (or data structure).

When the transaction request electronic document is configured, the authenticator determining unit 420 identifies the transaction requester (or transaction request medium 100) that created the transaction request electronic document based on the information input through the transaction request interface The authenticator data is determined.

According to the first embodiment of the present invention, the authenticator data includes verifier data (or verifier data dynamically generated through a verifier generated value provided in the relay server 200) stored in the relay server 200 In this case, the authenticator storage unit 435 may configure the authenticator data to be compared with the verifier data (or an authenticator generation value for dynamically generating the authenticator data) Unit 409 or stores it in the IC chip memory.

Here, the authenticator data is a value exchanged (or agreed upon) with the relay server 200 and is a key input (or agreement) exchanged between the wireless terminal 400 and the relay server 200, A value (e.g., a secret number) generated in at least one of the wireless terminal 400 and the relay server 200 and exchanged (or agreed) between the wireless terminal 400 and the relay server 200, a hash value , And a key value.

If the authenticator data is dynamically generated at the time of receiving the transaction request electronic document, the authenticator storage unit 435 stores the fixed seed value and dynamic seed determination value, which dynamically generate the authenticator data, And store it in the memory unit 409 or store it in the IC chip memory.

Here, the dynamically generated authenticator data is a dynamically generated disposable value by substituting the authenticator generated value into a predetermined value generation algorithm. The authenticator generated value includes at least one of a fixed seed value and a dynamic seed determination value exchanged (or agreed to) by the relay server 200 to dynamically generate the authenticator data. The fixed seed value is a key input value input by a transaction requestor and exchanged (or agreed upon) between the wireless terminal 400 and the relay server 200, a key input value transmitted from at least one of the wireless terminal 400 and the relay server 200 The hash value, the key value, and the parameter values stored in the wireless terminal 400, which are exchanged (or agreed) between the wireless terminal 400 and the relay server 200, And a parameter value that can be set. The dynamic seed determination value may be a value that determines a method of determining the time at which the authenticator data is extracted by the seed or a seed value generated by the relay server 200 to the wireless terminal 400 And < / RTI >

When the authenticator data is stored in the memory unit 409 (or the IC chip memory) according to the first embodiment of the present invention, the authenticator determining unit 420 determines whether the authenticator data is stored in the memory unit 409 As the authenticator data for authenticating the transaction requester (or the transaction request medium 100) that has generated the transaction request electronic document.

Alternatively, when the authenticator generated value is stored in the memory unit 409 (or the IC chip memory) according to the first embodiment, the authenticator determining unit 420 determines whether the authenticator generated value is stored in the memory unit 409 Memory), determining the at least one fixed seed value and the dynamic seed value through the authenticator generated value, and then the at least one fixed seed value and the dynamic seed value are determined by a predetermined value generation algorithm To generate the authenticator data dynamically. If the authenticator data is generated, the authenticator determining unit 420 determines the authenticator data as authenticator data for authenticating the transaction requester (or the transaction requesting medium 100) that created the transaction request electronic document You can decide.

According to a second embodiment of the present invention, the authenticator data may include a key input value exchanged between the wireless terminal 400 and the relay server 200 via data communication or agreed upon via a voice call have.

For example, when the transaction type corresponding to the transaction request electronic document is an inter-personal remittance transaction, the authenticator data may be a key input value exchanged through data communication between the wireless terminal 400 and the terminal of the transaction requester, or And may include a key input value agreed through a voice call between the wireless terminal 400 and the terminal of the transaction requester.

According to the third embodiment of the present invention, when the authenticator data includes the key input value, the authenticator determining unit 420 outputs an interface for inputting the key input value, As the authenticator data for authenticating the transaction requester (or transaction request medium 100) that created the transaction request electronic document.

According to a fourth embodiment of the present invention, the authenticator data is a string that is exchanged between the wireless terminal 400 and the relay server 200 through data communication, agreed upon through voice communication, or registered in a certification authority Data, image data, sound data, and moving image data.

According to a fourth embodiment of the present invention, when the authenticator data includes at least one of the character string data, the image data, the sound data, and the moving image data, the authenticator determining unit 420 determines the character string data, Sound data, and moving image data as the authenticator data for authenticating the transaction requester (or transaction request medium 100) that created the transaction request electronic document.

When the transaction requesting electronic document is configured through the electronic document composing unit 415 and the authenticator data for authenticating the transaction requester through the authenticator determining unit 420 is determined, the transaction request generating unit 425 The transaction request message transmission unit 430 generates a transaction request message including the transaction request electronic document and the authenticator data and transmits the generated transaction request message to the relay server 200 through the communication network.

Referring to FIG. 4, the wireless terminal 400 further includes an electronic document storage unit 440 for storing the transaction request electronic document included in the transaction request message in the electronic document storage area.

When the created transaction request message is transmitted through the transaction request sender 430, the electronic document storage unit 440 stores the transaction request electronic document included in the transaction request message in the memory unit 409 And stores it in the provided electronic document storage area.

Referring to FIG. 4, the wireless terminal 400 includes a history storing unit 445 for storing and storing transaction request history information including the deposit request amount included in the transaction request electronic document and the deposit request detailed information Respectively.

When the generated transaction request message is transmitted through the transaction request sender 430, the history storage unit 445 stores the transaction request history including the deposit request amount included in the transaction request electronic document and the deposit request detailed information, And stores the information in the memory unit 409. FIG.

According to an embodiment of the present invention, the transaction request history information is included in the transaction request electronic document stored in the electronic document storage area, or is linked to the transaction request electronic document.

Referring to FIG. 4, the wireless terminal 400 further includes a message receiver 450 for receiving and outputting an acknowledgment message (or a deposit confirmation message) for the transaction request message.

When the relay server 200 transmits an acknowledgment message including acknowledgment information (for example, a message reception date and time, part of transaction request contents) to the transaction request message, the message receiver 450 receives the acknowledgment message Receives the confirmation message and outputs it.

When receiving the acknowledgment message through the message receiver 450, the electronic document storage unit 440 stores the status value of the transaction request electronic document corresponding to the acknowledgment message among the transaction request electronic documents stored in the electronic document storage area To an acknowledged status value.

If the transaction request history information is stored in the memory unit 409, when the reception acknowledgment message is received through the message receiver 450, the history storage unit 445 stores the transaction request history information included in the received acknowledgment message And stores the receipt confirmation information in the transaction request history information.

Alternatively, when the relay server 200 transmits a deposit confirmation message including the deposit confirmation information (for example, a deposit transaction date and part of the deposit transaction details) to the transaction request message, the message receiver 450 transmits the deposit confirmation message And receives and outputs the deposit confirmation message.

When receiving the deposit confirmation message through the message receiver 450, the electronic document storage unit 440 stores the status value of the transaction request electronic document corresponding to the deposit confirmation message among the transaction request electronic documents stored in the electronic document storage area To the deposit confirmation status value.

If the transaction request history information is stored in the memory unit 409, the history storage unit 445 stores the transaction request history information included in the received deposit confirmation message, Deposit confirmation information can be stored in the transaction request history information.

Referring to FIG. 4, the wireless terminal 400 includes a list display unit 470 for displaying a transaction request electronic document list stored in the electronic document storage area, and at least one display target electronic document And an electronic document output unit 475 for outputting at least one electronic document configuration information included in the selected display target electronic document on the screen.

When at least one transaction request electronic document is stored in the electronic document storage area through the electronic document storage unit 440, the list display unit 470 displays the list Displays at least one transaction request electronic document list stored in the electronic document storage area and outputs an interface for selecting at least one electronic document to be displayed among the electronic document lists. When at least one display target electronic document is selected from the electronic document list, the electronic document output unit 475 outputs at least one electronic document configuration information included in the selected display target electronic document on the screen.

If the transaction request history information for the transaction request electronic document is stored in the memory unit 409 in connection with the transaction request electronic document, the electronic document output unit 475 outputs the transaction request history information Information can be further output.

Referring to FIG. 4, the wireless terminal 400 includes a key storage unit 455 for storing an encryption key for encrypting the transaction request electronic document, an encryption (encryption) unit for encrypting the transaction request electronic document, And an encryption processing unit (465) having at least one of a key exchange unit (460) for exchanging keys and encrypting the transaction request message through an encryption key.

The key storage unit 455 may exchange the encryption key with the relay server 200 and store the encryption key in the memory unit 409 or the IC chip memory. If the encryption key is stored and the transaction request electronic document is configured through the electronic document configuration unit 415, the encryption processing unit 465 encrypts the transaction request electronic document through the stored encryption key, The electronic signature of the transaction requester can be attached to the electronic document.

The key exchanging unit 460 exchanges the encryption key with the relay server 200 in real time before creating the transaction request message or transmits the at least one The encryption key can be generated using the seed. When the encryption key is exchanged (or created), if a transaction request electronic document is configured through the electronic document configuration unit 415, the encryption processing unit 465 transmits the transaction The requesting electronic document may be encrypted or the electronic signature of the transaction requester may be attached to the transaction request electronic document.

5 is a functional block diagram of a user wireless terminal 400 that provides non-facing banking in accordance with an embodiment of the present invention.

5 is a flowchart illustrating a process of receiving a transaction confirmation message including a transaction request electronic document from the relay server 200 and storing the transaction confirmation message in the transaction requester wireless terminal 400 shown in FIG. It is to be understood by those skilled in the art that various modifications and variations of the functionality of the wireless terminal 400 will be apparent to those skilled in the art by reference to and / However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. For convenience's sake, a functional configuration unit implemented in the form of program code for implementing the present invention will be described in the control unit 401 of FIG.

According to the present invention, the memory unit 409 includes an electronic document storage area for storing a transaction request electronic document received from the relay server 200 through a communication network. Here, the electronic document storage area may be the same as or separate from the electronic document storage area shown in FIG.

Referring to FIG. 5, the wireless terminal 400 receives a transaction request electronic document including a deposit bank code, a deposit account number, a deposit request amount, and deposit request detail information through a communication network, (505) for receiving a transaction confirmation message including server authenticator data for authenticating the server (200). When the transaction request electronic document is encrypted, the encrypted transaction request electronic document is decrypted Further comprising a key storage unit (455) for storing a decryption key or a key exchange unit (460) for exchanging a decryption key for decrypting an encrypted transaction request electronic document with the relay server (200) And a decryption processor 530 for decrypting the transaction confirmation message through the stored decryption key when the transaction confirmation message including the document is received Can.

When the relay server 200 on the communication network constructs a transaction confirmation message including the transaction request electronic document received from the transaction request medium 100 and transmits the transaction confirmation message to the wireless terminal 400, And receives a transaction confirmation message including the transaction request electronic document through the wireless communication unit 406. [

According to the present invention, the relay server 200 may attach server authenticator data for authenticating (or identifying) the relay server 200 that has confirmed the transaction request electronic document to the transaction confirmation message, The transaction confirmation receipt unit 505 receives the transaction confirmation message including the transaction request electronic document and the server authenticator data through the wireless communication unit 406. [

According to an embodiment of the present invention, the relay server 200 may transmit the transaction request electronic document by encrypting it or by attaching the electronic signature of the relay server 200 to the relay server 200, The relay server 200 and the decryption key may be previously exchanged and stored in the memory unit 409 or the IC chip memory. When the decryption key is stored, the decryption processing unit 530 decrypts the decrypted key stored in the decryption key storing unit 505 when receiving the distance request message including the encrypted transaction-requested electronic document The encrypted transaction request electronic document is decrypted through the decryption key or the electronic signature of the relay server 200 attached to the transaction request electronic document is confirmed.

Alternatively, when the relay server 200 encrypts and transmits the transaction request electronic document or attaches the electronic signature of the relay server 200 to the relay server 200, the key exchange unit 460 receives the transaction confirmation message The decryption key is generated using the at least one seed previously exchanged (or agreed upon) in accordance with a predetermined decryption key generation method or a real-time exchange of the decryption key with the relay server 200 that has confirmed the transaction request electronic document before can do. When the decryption key is exchanged (or generated), when the distance request message containing the encrypted transaction-requested electronic document (or the digital signature attached) is received through the transaction confirmation receiver 505, the decryption processor 530 decrypts the encrypted transaction request electronic document through the exchanged (or agreed) decryption key or verifies the electronic signature of the relay server 200 attached to the transaction request electronic document.

Referring to FIG. 5, when the transaction confirmation message including the transaction request message and the server authenticator data is received, the wireless terminal 400 reads the server authenticator data included in the transaction confirmation message, Further comprising an electronic document authentication unit (410) for authenticating that the requested electronic document is a transaction request electronic document generated by a valid transaction requester (or relay server (200)), if the server authenticator data is compared (Or a verifier generated value for dynamically generating the verifier data) to be compared (or verified) with the server authenticator data when the received data is the target data can do.

According to the first embodiment of the present invention, the server authenticator data includes data to be compared with the verifier data stored in the wireless terminal 400 (or the verifier data generated dynamically via the verifier generated value) In this case, the verifier storage unit 525 configures the verifier data (or the verifier generated value to dynamically generate the verifier data) to be compared with the server verifier data and outputs the verifier data to the memory unit 409 Or stores it in the IC chip memory.

Here, the verifier data is a value exchanged (or agreed upon) with the relay server 200, and is a key input value exchanged (or agreed) between the wireless terminal 400 and the relay server 200, Hash value, hash value, hash value, and hash value generated (or agreed) between the wireless terminal 400 and the relay server 200 in at least one of the wireless terminal 400 and the relay server 200, And a key value.

If the verifier data is dynamically generated at the time of receiving the transaction request electronic document, the verifier storage unit 525 stores the fixed seed value and the dynamic seed determination value, which dynamically generate the verifier data, And store them in the memory unit 409 or store them in the IC chip memory.

Here, the dynamically generated verifier data is a dynamically generated disposable value by substituting the verifier generated value into a predetermined value generation algorithm. The verifier generated value includes at least one of a fixed seed value and a dynamic seed determination value exchanged (or agreed to) with the relay server 200 for dynamically generating the verifier data. The fixed seed value is a key input value input by a user and exchanged (or agreed to) between the wireless terminal 400 and the relay server 200, and is generated in at least one of the wireless terminal 400 and the relay server 200 The hash value, the key value, and the parameter values stored in the wireless terminal 400, which are exchanged (or agreed) between the wireless terminal 400 and the relay server 200, Lt; RTI ID = 0.0 > and / or < / RTI > The dynamic seed determination value may be a value that determines a method of determining the time at which the verifier data is extracted by the seed or a seed value generated by the relay server 200 to the wireless terminal 400 And < / RTI >

When the verifier data is stored in the memory unit 409 (or the IC chip memory) according to the first embodiment of the present invention, the comparison server receiver authenticator data and the transaction request electronic data When the transaction confirmation message including the document is received, the electronic document authentication unit 410 extracts the verification data from the memory unit 409 (or the IC chip memory), and transmits the server authentication And compares the extracted verification data with the extracted verification data. If the verifier data matches the server authenticator data, the electronic document authentication unit 410 authenticates the electronic document with the valid electronic document generated by the authenticated relay server 200.

Alternatively, when the verifier generated value is stored in the memory unit 409 (or the IC chip memory) according to the first embodiment, the comparison target server authenticator data and the transaction request When a transaction confirmation message including an electronic document is received, the electronic document authentication unit 410 checks the verification value generated from the memory unit 409 (or the IC chip memory) After determining at least one fixed seed value and a dynamic seed value, the at least one fixed seed value and the dynamic seed value are substituted into a predetermined value generation algorithm to dynamically generate the verifier data. If the validator data is generated, the electronic document authenticator 410 compares the server authenticator data included in the transaction confirmation message with the extracted validator data to check whether they match. If the verifier data matches the server authenticator data, the electronic document authentication unit 410 authenticates the electronic document with the valid electronic document generated by the authenticated relay server 200.

According to the second embodiment of the present invention, the server authenticator data may be transmitted to the wireless terminal 400 by performing a predetermined verification operation with the verifier data stored in the wireless terminal 400 (or the verifier data generated dynamically through the verifier generated value) In this case, the verifier storage unit 525 may store verifier data to be verified with the server authenticator data (or a verifier that dynamically generates the verifier data) Generating value), storing it in the memory unit 409 or storing it in the IC chip memory, or generating a verifier which includes at least one of a fixed seed value and a dynamic seed determination value for dynamically generating the verifier data May be stored in the memory unit 409 or may be stored in the IC chip memory.

When the verifier data is stored in the memory unit 409 (or the IC chip memory) according to the second embodiment of the present invention, the verification operation target server authenticator data and the transaction request When the transaction confirmation message including the electronic document is received, the electronic document authentication unit 410 extracts the verification data from the memory unit 409 (or the IC chip memory) And performs a predetermined verification operation on the data to check whether the predicted result value is derived. If the predicted result value is obtained as a result of the verification operation of the verifier data and the server authenticator data, the electronic document authentication unit 410 verifies that the transaction request electronic document is a valid electronic signature generated by the authenticated relay server 200 Authenticate as a document.

Alternatively, when the verifier generated value is stored in the memory unit 409 (or the IC chip memory) according to the second embodiment, the verification operation target server authenticator data and the transaction When the transaction confirmation message including the requested electronic document is received, the electronic document authentication unit 410 confirms the verification value generated from the memory unit 409 (or the IC chip memory), and outputs the verification value The at least one fixed seed value and the dynamic seed value are substituted into a predetermined value generation algorithm to dynamically generate the verifier data. If the verifier data is generated, the electronic document verifying unit 410 verifies the predicted result value by performing a predetermined verification operation on the server certifier data and the verifier data. If the predicted result value is obtained as a result of the verification operation of the verifier data and the server authenticator data, the electronic document authentication unit 410 verifies that the transaction request electronic document is a valid electronic signature generated by the authenticated relay server 200 Authenticate as a document.

According to a third embodiment of the present invention, the server authenticator data includes a key input value exchanged through data communication between the wireless terminal 400 and the relay server 200 or agreed upon through a voice call .

For example, if the transaction type corresponding to the transaction request electronic document is an inter-personal remittance transaction, the server authenticator data may include a key input value exchanged through the data communication between the wireless terminal 400 and the transaction requester, Or a key input value agreed through a voice call between the wireless terminal 400 and the terminal of the transaction requester.

Alternatively, if the transaction type corresponding to the transaction request electronic document is a shopping mall settlement transaction, the server authenticator data includes ID information (or ID / PW information) of the user of the mobile terminal 400 registered in the shopping mall server, And a payment identification number, and the server authenticator data includes a key input value through the key input unit 404.

Alternatively, if the transaction type corresponding to the transaction request electronic document is a public payment transaction, the server authenticator data may include at least one of a payer number and a payment identification number of the user of the mobile terminal 400 registered in the billing institution And the server authenticator data includes a key input value through the key input unit 404.

According to a third embodiment of the present invention, the server authenticator data includes a key input value exchanged between the wireless terminal 400 and the relay server 200, a key input value exchanged between the wireless terminal 400 and the relay server 200 Image data, sound data, and moving image data that are exchanged or registered with a certification authority.

The server authenticator data including at least one of the key input value, the character string data, the image data, the sound data, and the moving picture data and the transaction request electronic document through the transaction confirmation receiving unit 505 according to the third embodiment of the present invention The electronic document authentication unit 410 determines whether at least one of the key input value, data, image data, sound data, and moving image data is included in the transaction confirmation message, Authenticates a valid electronic document generated by the requesting medium (100).

Referring to FIG. 5, the wireless terminal 400 includes an electronic document storage unit 440 for storing the transaction request electronic document in the electronic document storage area when the transaction request electronic document is authenticated, When the transaction target electronic document is determined to be one of the transaction request electronic documents stored in the region, the banking interface screen including the deposit bank code item, the deposit account number item, and the transaction amount item is outputted, And an interface output unit 515 for inputting a code, inputting the transaction target deposit account number in the deposit account number item, and inputting the transaction target deposit request amount in the transaction amount item, A list display unit 470 for displaying a list of transaction request electronic documents stored in the electronic document list, Now when a document is selected, the method may further provided with the selected display target amount of the transfer request and transfer the electronic document output unit 475 outputs a request to display detailed information of the electronic document.

When the commercial transaction request electronic document is authenticated by the electronic document authentication unit 410 as a valid electronic document confirmed by the relay server 200, the electronic document storage unit 440 stores the authenticated transaction request electronic document in the memory In the electronic document storage area of the storage unit 409.

After storing at least one transaction request electronic document in the electronic document storage area, the list display unit 470 displays at least one transaction request stored in the electronic document storage area by menu selection (or command input) of the wireless terminal 400 Displays an electronic document list on the screen, and outputs an interface for selecting at least one electronic document to be displayed among the electronic document lists. When at least one display target electronic document is selected from the electronic document list, the electronic document output unit 475 outputs electronic document configuration information including the deposit request amount and the deposit request detailed information of the selected display target electronic document to the screen output do.

When the transaction target electronic document stored in the electronic document storage area is determined, the interface output unit 515 outputs a banking interface screen including a deposit bank code item, a deposit account number item, and a transaction amount item .

According to one embodiment of the present invention, the interface output unit 515 outputs a banking interface screen including the deposit bank code item, the deposit account number item, and the transaction amount item through the screen output unit 402.

Here, the banking interface screen may further display at least one information included in the transfer request detail information of the transaction request electronic document according to the transaction type corresponding to the transaction request electronic document.

For example, if the transaction type corresponding to the transaction request electronic document is an inter-personal remittance transaction, the banking interface screen may further display a transaction requester communication number included in the deposit request detail information.

Alternatively, when the transaction type corresponding to the transaction request electronic document is a shopping mall settlement transaction, the banking interface screen displays transaction requester identification information (for example, shopping mall information), purchase product information, and order information included in the deposit request detailed information You can display more.

Alternatively, when the transaction type corresponding to the transaction request electronic document is a payment due to bills, the banking interface screen may include transaction requester identification information (for example, billing institution information) included in the deposit request detailed information, billing object information, The usage period information, and the payee information can be further displayed.

In addition, the banking interface screen may further include a withdrawal bank code item and a withdrawal account number item, and can be omitted when the withdrawal bank and the withdrawal account are designated as one bank / account.

According to another embodiment of the present invention, when at least one wireless banking program is provided in the wireless terminal 400, the interface output unit 515 outputs a wireless banking program for processing a transaction corresponding to the transaction request electronic document And drives it. When the wireless banking program is activated, the interface output unit 515 transmits the transfer bank code item to the wireless banking program through at least one inter-process communication protocol (for example, inter-process message exchange, memory sharing, The banking interface screen including the deposit account number item and the transaction amount item.

When the banking interface screen including the deposit bank code item, the deposit account number item, and the transaction amount item is output, the interface output unit 515 automatically transfers the transaction destination deposit bank code to the deposit bank code item of the banking interface screen And automatically inputs the transaction target deposit account number into the deposit account number field and automatically inputs the transaction target deposit request amount into the transaction amount field.

When the interface output unit 515 outputs the banking interface screen through the screen output unit 402 according to an embodiment of the present invention, the interface output unit 515 outputs a variable value The transaction target deposit bank code is substituted into the deposit bank code variable, the transaction target deposit account number is substituted into the deposit account number variable, the transaction target deposit request amount is substituted into the transaction amount variable, Thereby automatically inputting the deposit bank code, the deposit account number, and the deposit request amount in each information entry item of the banking interface screen.

When the banking interface screen included in the wireless terminal 400 is output according to another embodiment of the present invention, the interface output unit 515 transmits the banking interface screen to the wireless banking program through the at least one inter- The banking code, the deposit account number, and the deposit request amount, and then the transaction target deposit bank code is substituted into the deposit bank code variable among the variable values connected to the banking interface screen output through the wireless banking program, The deposit bank code, the deposit account number, and the deposit request amount are automatically input to each information entry item of the banking interface screen by assigning the transaction target deposit account number and assigning the transaction target deposit request amount to the transaction amount variable .

When the interface output unit 515 outputs the banking interface screen through the screen output unit 402 according to an embodiment of the present invention, the banking processing unit 520 may automatically / The banking server 105 (or the relay server 200 connected to the banking server 105) constructs the financial transaction request information corresponding to the transaction type by combining (or combining) Face banking corresponding to the transaction type.

When the interface output unit 515 outputs the banking interface screen through the screen output unit 402 but the wireless terminal 400 has a wireless banking program according to another embodiment of the present invention, The processing unit 520 transmits the information automatically / manually input through the banking interface screen to the wireless banking program through at least one inter-process communication protocol, and the wireless banking program combines (or combines) And transmits the financial transaction request information to the banking server 105 (or the relay server 200 connected to the banking server 105) to transmit the financial transaction request information corresponding to the transaction type Handles non-face-to-face banking.

According to another embodiment of the present invention, when the banking interface screen provided in the wireless terminal 400 is output, the banking processing unit 520 is included in the wireless banking program or the wireless banking program.

FIG. 6 is a diagram illustrating a transaction request electronic document transmission process according to an embodiment of the present invention.

In more detail, FIG. 6 shows a transaction request message including the authenticator data authenticating the transaction request message (and transaction request medium 100) and the transaction request message in the transaction request medium 100 shown in FIG. 4 And the process is performed so as to be transmitted to the relay server 200 shown in FIG. 2. As a person skilled in the art, referring to FIG. 6 and / or modification, It will be understood that various implementations of the transaction requesting electronic document transmission process may be inferred (e.g., some steps may be omitted or the sequence may be changed), but the present invention includes all of the above- The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 6, the transaction request medium 100 provides a transaction request interface for inputting a deposit bank code, a deposit account number, a deposit request amount, and a deposit request detail information (600) (605) a transfer request electronic document is created by substituting the input bank code, the deposit account number, the deposit request amount, and the deposit request detailed information into the predetermined electronic document format (or data structure). If the transaction request message is configured 610, the transaction request message 100 may encrypt the transaction request message or attach an electronic signature 615.

When the transaction requesting electronic document is configured 610, the transaction requesting medium 100 determines the authenticator data for authenticating the transaction requesting entity (or the transaction requesting medium 100) that created the transaction requesting electronic document 620. [ .

If the authenticator data for authenticating the transaction requester (or transaction request medium 100) is determined (625), the transaction request medium 100 transmits a transaction request message including the transaction request electronic document and the authenticator data (630), transmits the generated transaction request message through the communication network (635), and the transaction request message is transmitted to the relay server (200) shown in FIG.

In addition, after the transaction request message is transmitted, the transaction request medium 100 may configure the transaction request history information for the transaction request electronic document included in the transaction request message, and then store the transaction request history information in the electronic document storage area 640).

7 is a diagram illustrating a process of receiving a transaction request electronic document according to an embodiment of the present invention.

In more detail, FIG. 7 is a diagram illustrating a transaction requestor (or transaction request medium 100) through the authenticator data included in the transaction request message after receiving the transaction request message from the relay server 200 shown in FIG. And then stores the transaction request electronic document. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 7, It will be appreciated that various implementations of the process may be inferred (e.g., some steps omitted, or alternate implementations), but the present invention encompasses all such contemplated implementations, The technical features thereof are not limited by the implementation method alone.

Referring to FIG. 7, the relay server 200 shown in FIG. 2 transmits a transaction request electronic document including a deposit bank code, a deposit account number, a deposit request amount, and deposit request detail information through a communication network, (700) a transaction request message including authenticator data for authenticating the transaction requester wireless terminal (400) that generated the document.

If the transaction request message is received (705), the relay server 200 reads out the authenticator data included in the transaction request message and transmits the transaction request message to the valid transaction requester (or the transaction request medium 100) (Step 710).

If the transaction request electronic document is authenticated 715 with a transaction request electronic document generated by a valid transaction requester (or transaction request medium 100), the relay server 200 transmits the transaction request medium 100 information The user wireless terminal 400 information and the transaction request electronic document are stored 720 and a transaction confirmation message including the transaction request electronic document is transmitted to the user wireless terminal 400 in operation 725.

Then, the relay server 200 checks whether a transaction request electronic document included in the transaction confirmation message is stored in the electronic document storage area of the user wireless terminal 400 (step 730). If the transaction request electronic document is stored (735), and transmits an acknowledgment message for the transaction request message to the transaction request medium (740).

FIG. 8 is a diagram illustrating management of spam transaction request electronic documents through a relay history according to an embodiment of the present invention.

8 is a flowchart illustrating a method of transmitting a transaction request message to a user wireless terminal 400 when the transaction request electronic document transmitted from the relay server 200 to the user wireless terminal 400 is stored in the electronic document storage area of the user wireless terminal 400, The process of configuring and storing the relay history information for the stored transaction request electronic document and determining whether the newly received transaction request electronic document is included in the relay history information and determining whether the electronic transaction is to be relayed to the user wireless terminal 400 Those skilled in the art will appreciate that various changes and modifications may be made to the exemplary embodiments of the present invention without departing from the spirit and scope of the present invention. , Or an altered order), but the present invention includes all such contemplated embodiments , But the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, when the transaction request electronic document transmitted from the relay server 200 to the user wireless terminal 400 is stored in the electronic document storage area of the user wireless terminal 400, The server 200 constructs and stores relay history information for the stored transaction request electronic document (800).

Thereafter, a new transaction request message is received in the relay server 200 shown in FIG. 2, and the transaction request electronic document included in the received transaction request message is transmitted through the authenticator data included in the received transaction request message If the transaction request requester (or transaction request medium 100) is authenticated 805, the relay server 200 checks 810 whether the authenticated transaction request electronic document is included in the stored relay history information, If the transaction request electronic document is included in the stored relay history information 815, the relay server 200 stores the transaction request medium 100 information, the user wireless terminal 400 information and the transaction request electronic document 820 (825) a transaction confirmation message including the transaction request message to the user wireless terminal (400).

Then, the relay server 200 checks whether the transaction request electronic document included in the transaction confirmation message is stored in the electronic document storage area of the user wireless terminal 400 (step 830). If the transaction request electronic document is stored (835) and transmits an acknowledgment message for the transaction request message to the transaction request medium (840).

On the other hand, if the transaction request electronic document is not included in the stored relay history information (815), the relay server 200 transmits an electronic document relay approval request message for the transaction request electronic document to the user wireless terminal 400 The relay server 200 transmits the transaction request medium 100 information to the user wireless terminal 400 and the transaction information of the user wireless terminal 400 in step 845. If the electronic document relay request is approved in step 845, The requested electronic document is stored (820) and the transaction confirmation message including the transaction request electronic document is transmitted to the user wireless terminal (825).

Then, the relay server 200 checks whether the transaction request electronic document included in the transaction confirmation message is stored in the electronic document storage area of the user wireless terminal 400 (step 830). If the transaction request electronic document is stored (835) and transmits an acknowledgment message for the transaction request message to the transaction request medium (840).

On the other hand, if the electronic document relay is approved (850), the relay server 200 erases the transaction request message and transmits an acknowledgment message for the transaction request message to the transaction request medium 100 that transmitted the transaction request message (840).

9 is a diagram illustrating a process of storing a banking history through a transaction request electronic document according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a case where the relay server 200 shown in FIG. 2 checks non-face banking through at least one transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400, If a person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 9, various methods of storing the banking history (for example, The present invention is not limited to the above-described embodiments, but may be practiced otherwise than as specifically described herein.

Referring to FIG. 9, the relay server 200 shown in FIG. 2 checks whether non-face banking is processed through at least one transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400 (900 ).

If non-face banking for the transaction request electronic document is normally performed 905, the relay server 200 constructs and stores banking history information for the transaction request electronic document in which the non-face-to-face banking is normally processed (910 ), A deposit confirmation message for the transaction request electronic document may be transmitted to the transaction request medium 100 that has transmitted the transaction request electronic document (915).

FIG. 10 is a diagram for managing an electronic document requiring spamming transaction through a banking history according to an embodiment of the present invention.

In more detail, FIG. 10 shows banking history information for non-face banking provided through the transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400 in the relay server 200 shown in FIG. 2 After storing the electronic document, it is determined whether or not a newly received transaction request electronic document is included in the banking history information, and the electronic document is stored in the electronic document storage area. In the present invention, It is possible to refer to and / or modify the drawing 10 to various embodiments of the spam-transaction-requested electronic document management process (for example, omitting some steps or changing the order) The invention includes all of the above-described methods of practicing the invention, This is not limited.

Referring to FIG. 10, banking history information about non-facing banking provided through a transaction request electronic document stored in an electronic document storage area of the user wireless terminal 400 is stored in the relay server 200 shown in FIG. 2 , A new transaction request message is received in the relay server 200, and a transaction requestor (or a transaction (hereinafter referred to as " transaction request request ") is transmitted to the transaction requesting electronic document included in the received transaction request message via the authenticator data included in the received transaction request message If the transaction requesting electronic document is authenticated (1000), the relay server 200 checks whether the authenticated transaction request electronic document is included in the stored banking history information (1005) The relay server 200 transmits the transaction request medium 100 information, the user wireless terminal 400 information, and the transaction request information Storing character document and 1020, the transaction sending a transaction confirmation message including the requested electronic document to the user's wireless terminal 400 (1025).

Then, the relay server 200 checks whether a transaction request electronic document included in the transaction confirmation message is stored in the electronic document storage area of the user wireless terminal 400 (step 1030). If the transaction request electronic document is stored (1035) and transmits an acknowledgment message for the transaction request message to the transaction request medium (1040).

On the other hand, if the transaction request electronic document is not included in the stored banking history information (1015), the relay server 200 transmits an electronic document relay approval request message for the transaction request electronic document to the user wireless terminal 400 If the electronic document relay request is accepted through the electronic document relay approval request message 1050, the relay server 200 transmits the transaction request medium 100 information, the user wireless terminal 400 information, The requested electronic document is stored 1020 and a transaction confirmation message including the transaction request electronic document is transmitted to the user wireless terminal 400 (1025).

Then, the relay server 200 checks whether a transaction request electronic document included in the transaction confirmation message is stored in the electronic document storage area of the user wireless terminal 400 (step 1030). If the transaction request electronic document is stored (1035) and transmits an acknowledgment message for the transaction request message to the transaction request medium (1040).

On the other hand, if the electronic document relay is approved 1050, the relay server 200 erases the transaction request message and transmits a reception reject message for the transaction request message to the transaction request medium 100 that has transmitted the transaction request message (1040).

FIG. 11 is a diagram illustrating management of a blocking target transaction request electronic document according to an embodiment of the present invention.

In more detail, FIG. 11 is a flow chart illustrating an example of a case where a transaction requester (or transaction request medium 100) of a transaction request electronic document received by the relay server 200 shown in FIG. 2 is not authenticated, A person who is a person skilled in the art will be able to refer to and / or modify the FIG. 11 in order to manage the blocking target transaction electronic document It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it will be appreciated that the invention may be practiced otherwise than as specifically described herein, The technical characteristics thereof are not limited.

Referring to FIG. 11, if the transaction requester (or transaction request medium 100) of the transaction request electronic document received by the relay server 200 shown in FIG. 2 is not authenticated, The electronic document information to be blocked with respect to the transaction request electronic document that has not been processed is configured and stored (1100). Thereafter, when at least one new transaction request message is received in the relay server 200 (1105), the relay server 200 transmits the transaction request electronic document included in the newly received transaction request message to the blocking object electronic document (1110).

If the transaction requesting electronic document is included in the blocking target electronic document 1115, the relay server 200 deletes the received transaction request message 1120, (1115), the transaction request electronic document is stored in the electronic document storage area.

FIG. 12 is a flowchart illustrating an acknowledgment process of a transaction request electronic document according to an embodiment of the present invention.

12 is a flowchart illustrating an operation of the transaction request medium 100 shown in FIG. 4 when the acknowledgment message transmitted through the process shown in FIG. 7, FIG. 8, and FIG. 10 is received. And the state value of the transaction request electronic document stored in the electronic document storage area is updated at the same time that the received acknowledgment information is displayed on the screen. As a person skilled in the art, 12 may be referenced and / or modified to infer various implementation methods (e.g., omitting some steps or changing the order) of the acknowledgment process of the transaction request message, And the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 12, after a transaction request message including a transaction request electronic document is transmitted from the transaction request medium 100 shown in FIG. 4 through the process shown in FIG. 6, (1200) from the user wireless terminal (400) through the process shown in FIGS. 7, 8, and 10 to confirm whether a receipt confirmation message for the transaction request electronic document is received.

If the acknowledgment message is received (1205), the transaction requesting medium (100) displays the acknowledgment information included in the acknowledgment message on the screen (1210).

If transaction request history information for the transaction request electronic document is stored in the transaction request medium 100 through the process shown in FIG. 6, the transaction request medium 100 stores the transaction request history information, (1220). ≪ / RTI >

In addition, the transaction request medium 100 changes the status value of the transaction request electronic document corresponding to the reception confirmation message among the transaction request electronic documents stored in the electronic document storage area of the transaction request medium 100 to the reception confirmation status (1225).

FIG. 13 is a diagram illustrating a process of confirming a deposit of a transaction request electronic document according to an embodiment of the present invention.

More specifically, FIG. 13 is a flowchart illustrating a process for transferring deposit confirmation information included in the deposit confirmation message to the transaction request medium 100 shown in FIG. 4, when receiving the deposit confirmation message transmitted through the process shown in FIG. And the status value of the transaction request electronic document stored in the electronic document storage area at the same time as the output tray is updated. As a person skilled in the art to which the present invention pertains, (For example, some steps may be omitted or the procedures may be changed), the present invention may be embodied in all of the above-described modes of carrying out the invention. And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 13, after a transaction request message including a transaction request message is transmitted from the transaction request medium 100 shown in FIG. 4 through the process shown in FIG. 6, (1300) whether a payment confirmation message for the transaction request electronic document is received from the user wireless terminal (400) through the process shown in FIG. 9.

If the deposit confirmation message is received (1305), the transaction requesting medium 100 displays the deposit confirmation information included in the deposit confirmation message on the screen (1310).

If transaction request history information for the transaction request electronic document is stored in the transaction request medium 100 through the process shown in FIG. 6, the transaction request medium 100 stores the transaction request history information (1320). ≪ / RTI >

In addition, the transaction requesting medium 100 changes the status value of the transaction request electronic document corresponding to the deposit confirmation message among the transaction request electronic documents stored in the electronic document storage area of the transaction request medium 100 to the deposit confirmation status (1325).

FIG. 14 is a diagram illustrating a process of receiving a transaction request electronic document of a user wireless terminal 400 according to an embodiment of the present invention.

In more detail, after receiving the transaction confirmation message from the user wireless terminal 400 shown in FIG. 5, the relay server 200 authenticates the server 200 through the server authenticator data included in the transaction confirmation message And stores the transaction request electronic document. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 14, It is to be understood that the present invention is not limited to the embodiment (s), but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Technical features are not limited.

Referring to FIG. 14, the user wireless terminal 400 shown in FIG. 5 transmits a transaction request electronic document including a deposit bank code, a deposit account number, a deposit request amount, and deposit request detail information, A transaction confirmation message including server authenticator data for authenticating the relay server 200 having confirmed the electronic document is received (1400).

If the transaction confirmation message is received (1405), the user wireless terminal (400) reads the server authenticator data included in the transaction confirmation message and transmits the transaction request electronic document to the transaction request electronic server And determines whether to store the transaction request electronic document (1410).

If the storage of the transaction request electronic document is not determined 1415, the user wireless terminal 400 may delete the transaction confirmation message and transmit the transaction acknowledgment message rejection message to the relay server 200 (1420).

On the other hand, if it is determined that the transaction request electronic document is stored 1415, the user wireless terminal 400 stores the transaction request electronic document in the electronic document storage area 1425 and transmits the transaction request electronic document to the relay server 200 An acknowledgment message for the requested electronic document may be transmitted (1430).

FIG. 15 is a diagram illustrating a non-face banking process of a user wireless terminal 400 through a transaction request electronic document according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates a process of providing non-face banking through at least one transaction request electronic document stored in the electronic document storage area of the user wireless terminal 400 shown in FIG. 5, Those skilled in the art will be able to refer and / or modify this FIG. 15 to illustrate various implementations of the non-facing banking process through the transaction request message (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 15, when at least one transaction request electronic document is stored in the electronic document storage area of the user wireless terminal 400 shown in FIG. 5, the user wireless terminal 400 stores the electronic document stored in the electronic document storage area (1500) an interface for displaying at least one transaction request electronic document list and selecting at least one transaction target request electronic document among the transaction request electronic documents. If at least one transaction request electronic document is selected through the interface 1505, the user wireless terminal 400 determines whether the selected transaction request electronic document is determined as a transaction target transaction request electronic document 1510 If the transaction target transaction request electronic document is determined 1515, the user wireless terminal 400 outputs a banking interface screen including a deposit bank code item, a deposit account number item, and a transaction amount item 1520, Automatically inputting the deposit bank code of the transaction target request electronic document in the bank code field, automatically inputting the deposit account number of the transaction target request electronic document in the deposit account number item, The deposit request amount of the transaction request electronic document is input (1525).

Then, the user wireless terminal 400 combines at least one piece of information that is automatically / manually input through the banking interface screen to correspond to the transaction request electronic document through the relay server 200 (or the banking server 105) Non-face banking (step 1530). According to an embodiment of the present invention, non-face banking of the user wireless terminal 400 is confirmed by the relay server 200. [

100: transaction request medium 200: relay server
205: message transmission means 210: transaction request receiving means
215: transaction confirmation sending means 220: electronic document authentication means
225: Verifier storage means 230: Key storage means
235: key exchange means 240: decryption processing means
245: Encryption processing means 250: Authenticator storage means
255: authenticator determination means 260: electronic document reception confirmation means
265: transaction confirmation means 270: banking processing means
305: history storing means 310: history checking means
315: electronic document relay approval means 320: blocking object storage means
325: Blocking object confirmation means 330: Transaction request clearing means

Claims (13)

A method of executing via a server capable of communicating with a transaction requester wireless terminal requesting a deposit transaction for an inter-individual money transaction and communicating with a user wireless terminal processing the deposit transaction,
A first step of confirming a deposit transaction request for a money transaction between the user and a designated user through a program of a transaction requester wireless terminal;
A second step of confirming a transaction request electronic document for a money transaction between the transaction requestor and the user in response to the confirmed deposit transaction request and confirming the electronic signature of the transaction requestor for the transaction request electronic document;
A third step of providing a transaction confirmation document including the transaction request electronic document and an electronic signature as a program of a user wireless terminal to process a deposit transaction for the inter-individual money transaction;
A fourth step of confirming whether the transaction request electronic document of the transaction confirmation document and the electronic signature are confirmed through the program of the user wireless terminal and then the inter-individual money transaction corresponding to the transaction request electronic document is processed; And
And a fifth step of, when the inter-individual money transaction is processed, processing the transaction request electronic document corresponding to the processed inter-individual money transaction to be stored in a designated storage area.
The method of claim 1,
Wherein the payment request information includes a deposit request amount requested by the transaction requester, deposit bank information of the transaction requester, and a deposit account number.
3. The method of claim 2,
Wherein the payment request further includes deposit request detail information that the transaction requester inputs to request a deposit transaction.
2. The method according to claim 1,
And receiving a transaction request including a transaction request electronic document generated through a program of the transaction requester wireless terminal.
5. The method of claim 4,
When generating the transaction request electronic document in the program of the transaction requester wireless terminal,
Wherein the program of the transaction requester wireless terminal further comprises generating a digital signature of a transaction requester for the transaction request electronic document,
Wherein the transaction request further comprises the generated digital signature. ≪ RTI ID = 0.0 > 15. < / RTI >
6. The method of claim 5,
Further comprising the step of performing a procedure for verifying the electronic signature when receiving a transaction request including the electronic signature from a program of the transaction requester wireless terminal. Way.
5. The method of claim 4,
When generating the transaction request electronic document in the program of the transaction requester wireless terminal,
Wherein the program of the transaction requester wireless terminal determines the authenticator data for authenticating the transaction requester or the transaction requester wireless terminal that has executed the program for generating the transaction request electronic document as the transaction of the transaction requester requesting the deposit transaction Further comprising an authenticator determination step of determining authenticator data for authentication with the requesting medium,
Wherein the transaction request further includes the authenticator data. ≪ RTI ID = 0.0 > 15. < / RTI >
8. The method of claim 7,
And authenticating the validity of the authenticator data when the authenticator data is received. The method of any preceding claim, further comprising:
8. The method of claim 7,
Further comprising: configuring a transaction confirmation document including the transaction request electronic document and the authenticator data when the authenticator data is received.
2. The method according to claim 1,
And a step of generating a transaction request electronic document corresponding to a deposit transaction request through the program of the transaction requester wireless terminal.
11. The method of claim 10,
Upon generating the transaction request electronic document,
Further comprising generating a digital signature of a transaction requester for the transaction request message,
Wherein the transaction confirmation further comprises the generated digital signature. ≪ RTI ID = 0.0 > 15. < / RTI >
11. The method of claim 10,
Upon generating the transaction request electronic document,
Determines the authenticator data for receiving the transaction requester, or determines the authenticator data for authenticating the transaction requester wireless terminal that executed the program with the transaction request medium of the transaction requester requesting the deposit transaction, Further comprising an authenticator determining step of determining an authenticator data for authenticating a server for generating an electronic document to a transaction requesting medium of a transaction requester requesting the deposit transaction,
Wherein the transaction confirmation further comprises the authenticator data. ≪ RTI ID = 0.0 > 15. < / RTI >
The method according to claim 1, wherein the inter-personal money transaction corresponding to the transaction-
And the transaction information is processed within a predetermined validity time after providing the transaction confirmation to the user wireless terminal.

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