KR20180133681A - Device For Issuing Card, Financial Apparatus, System For Issuing Card Using Financial Apparatus, And Method Thereof - Google Patents

Abstract

The present invention relates to a card issuing apparatus, a financial apparatus, and a control method for the financial apparatus. More specifically, the present invention is to provide a financial apparatus comprising: a biometric information authentication unit for generating registration request information and authentication request information for biometric information of a user by detecting the biometric information and authentication information of the user; a card issuing apparatus for storing a plurality of cards and card information corresponding to the plurality of cards, receiving a selection signal from the user, and issuing a card requested by the user; a control unit for comparing and determining the detected biometric information and the identification information, determining whether to issue a card for the user so as to generate card issuance request information, and updating the stored card information; and a communication unit for transmitting at least one of the registration request information, the authentication request information, and the card issuance request information of the biometric information, and receiving at least one of the identification information of the user, the authentication approval information, and the card issuance approval information. The present invention is able to issue a card anywhere and at any time, thereby increasing user convenience.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card issuing device, a card issuing device, a financial device, and a card issuing system and method using a financial device.

The present invention relates to a card issuing device, a financial device having a non-face authentication function, and a card issuing system and method using the financial device.

Financial cards, including cash cards, debit cards, prepaid cards, credit cards, and check cards, have been used extensively in various areas such as transportation cards, gift cards, electronic vouchers, etc., In order to issue a card, a customer who wishes to issue (or purchase) a financial card must visit the sales window at the bank's business hours.

At this time, the banker of the sales window keeps the financial card at the window, and when the customer requests the issuance of the financial card, the banker faces the customer and confirms the identity through the customer's ID card. When the identity of the customer is confirmed, the banker interacts with a bank server, and issues a financial card using a card issuer provided in the window. At this time, since the method of issuing a financial card takes a face-to-face transaction method, there is a problem that time and space are limited.

In addition, since a reliable transaction method is required for a financial transaction method in which customers are not confronted with each other, identification information such as an official certificate and biometric information is used. However, in order to perform authentication by using such identification information, Complex, and available financial transactions are limited.

Accordingly, there is a growing need for a card issuing system that performs high-reliability authentication and facilitates non-face-to-face authentication procedures to facilitate issuance of the financial card.

In order to solve the above problems, the present invention provides a financial device that includes a card issuing device that automatically issues a card automatically, and performs authentication of the user with biometric information to issue a card.

Also, the present invention provides a system and method for issuing a card in a non-face-to-face transaction mode using the financial device.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other matters not mentioned can be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided a card issuing apparatus including a card storage unit for storing a plurality of cards, card information corresponding to the stored plurality of cards, and information on issued or withdrawn cards A display unit for outputting a card information storage unit for issuing a card, the card information that can be issued to a user who has issued a card, and an electronic form for issuing the card, and receiving a selection signal from the user, A card processing unit for ejecting the card requested by the user according to the approval information of the user, and a card collection unit for storing the collection card collected from the user.

According to another aspect of the present invention, there is provided a financial device including a biometric information authentication unit for detecting biometric information and authentication information of a user and generating registration request information and authentication request information of the user's biometric information, A card issuing device that stores a plurality of cards and card information corresponding to the plurality of cards, receives a selection signal from the user and issues a card requested by the user, a card issuing device that issues a card issued by the user based on the sensed biometric information And transmits at least one of the registration request information, the authentication request information, and the card issuance request information of the biometric information to the user, At least one of the identification information, the authentication approval information, and the card issuing approval information It may include the bride.

In another aspect, a card issuing system according to an embodiment of the present invention generates authentication request information including registration request information of the biometric information including biometric information of a user and authentication information of the user, When receiving the registration request information and the authentication request information, generates the identification information of the user by registering the biometric information of the user, and when receiving the card issuance request information, A management server for generating and transmitting card information and card issuing approval information, a clerk terminal for receiving the biometric information and the authentication information of the user in real time and generating and transmitting authentication approval information, A user terminal for outputting an approval result and a card issuance result.

According to another aspect of the present invention, there is provided a card issuing method comprising: generating authentication request information including registration request information of biometric information including biometric information of a user and authentication information of the user; Receiving the registration request information and the authentication request information, generates identification information of the user by registering the biometric information of the user, and receiving the card issuance request information, Generating and transmitting card information and card issuing approval information; receiving the biometric information and the authentication information of the user in real time to generate and transmit authentication approval information; and transmitting the authentication result to the user And outputting the result of issuing the card.

As described above, according to the present invention, since authentication is performed in a non-face-to-face manner, a card is issued through a simplified procedure.

In addition, since the card issuance can be performed without being restricted by the time and space, the convenience of the user is increased.

1 is a block diagram showing a configuration of a card issuing device according to an embodiment of the present invention.
2 is a block diagram illustrating the configuration of a financial device including a card issuing device according to an embodiment of the present invention.
3 is a block diagram showing a configuration of a biometric information authentication unit of a financial device according to an embodiment of the present invention.
4 is a perspective view showing an example of a financial instrument according to an embodiment of the present invention.
5 is a diagram illustrating a configuration of a card issuing system including a financial device according to an embodiment of the present invention.
6 is a flowchart illustrating a card issuing method in a financial device including a card issuing device according to an embodiment of the present invention.
7 is a flowchart illustrating a non-face authentication operation of the card issuing system according to the embodiment of the present invention.
8 is a flowchart illustrating a card issuing operation of the card issuing system according to the embodiment of the present invention.
9 is a view for explaining the operation of the card issuing system according to the embodiment of the present invention.

 Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Although the first, second, etc. are used to describe various elements, components and / or sections, it is needless to say that these elements, components and / or sections are not limited by these terms. These terms are only used to distinguish one element, element or section from another element, element or section. Therefore, it goes without saying that the first element, the first element or the first section mentioned below may be the second element, the second element or the second section within the technical spirit of the present invention.

Meanwhile, the media transaction described in the present invention means a transaction that is performed through a medium such as a deposit, withdrawal, transfer, payment, or exchange of a medium of oil price, such as bills, gift certificates, securities, It is meant to encompass jobs such as receiving transactions, loan transactions, loan transactions, and foreign exchange transactions, which include various applications, issuance and opening services that do not directly mediate the medium.

Hereinafter, a card issuing apparatus, a financial apparatus including a card issuing apparatus, and a card issuing system and method using a financial apparatus according to the present invention will be described in detail with reference to FIGS. 1 to 9.

The financial instrument in the present invention means a device installed inside or outside a building to provide information and to deposit or withdraw a medium. For example, a financial instrument may be an ATM (automated teller machine). Accordingly, the financial instrument in this specification should be understood to include all of a kiosk terminal, a multimedia station, or a self service station that can process financial transactions.

In addition, the financial instrument provides the user with a menu for carrying out the window transaction as well as the media transaction, and the necessary financial transaction information is inputted according to the progressing stage of the transaction. To this end, the financial instrument includes display means for displaying various menus and input means such as a keypad for receiving input from the user. In addition, a financial instrument is provided with one object, that is, a plurality of units, so that a service can be provided to a plurality of users at the same time to facilitate rapid transactions.

1 is a block diagram showing a configuration of a card issuing apparatus 100 according to an embodiment of the present invention.

Referring to FIG. 1, the card issuing apparatus 100 includes a card storage unit 110 for storing a plurality of cards, card information corresponding to the stored plurality of cards, and cards for storing information on issued or withdrawn cards A display unit 130 for outputting an electronic form for issuing the card and receiving a selection signal from the user, a display unit 130 for displaying the selection signal of the user, A card processing unit 140 for discharging the card requested by the user according to the approval information for issuing the card, and a card recovery unit 150 for storing the recovery card recovered from the user.

Specifically, the card storage unit 110 is provided with a plurality of hoppers, and the same kind of financial card may be stored in each hopper. The card stored in the card storage unit 110 can be moved to the card collection unit 150 according to an execution command of the card processing unit 140. [ At this time, since the hopper type card storage unit 110 has a loading space for each type of card, the card can be stored in the loading space. The hopper-type card storage unit 110 may be a device that automatically selects a card loaded in correspondence with a card requested to be issued and moves the selected card to the card collection unit 150.

The card information storage unit 120 receives a list of financial cards that can be stored in the card storage unit 110 from a cardinal terminal that manages financial devices through a communication network and stores the card information for the card, Type, card benefits, and card issuer for each hopper.

For example, the card information may include at least one of a card issuer, card type, issuing institution account number, card type (e.g., MS card, contact type IC card, contactless IC card, etc.) And may include information such as discount information and affiliated companies provided by the user using the card.

Also, the card information storage unit 120 receives and stores the electronic form including a consent form, a contract, an application form, and the like necessary for card issuance or biometric information registration from the mental health terminal through the communication network, can do.

In addition, the card information storage unit 120 checks and stores the number of cards stored in the card storage unit 110 and the card collection unit 150 and the card information of the stored cards in real time, and stores them in the card processing unit 140 The number of issued cards, the card information of the issued card, and the issued details can be updated and stored in real time. At this time, the information stored in the card information storage unit 120 may be transmitted to the cardinal terminal.

In addition, the card information storage unit 120 is a storage medium for storing at least one piece of information or data. The card information storage unit 120 may include an EEPROM (Electrically Erasable and Programmable Read Only Memory), an FM (Flash Memory) And at least one storage means including the storage medium, and may include program routines and program data in software.

The display unit 130 may be a screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT), and may output information previously stored in the financial instrument or one or more data received in real time, And provides a menu for performing media transaction and / or window service to the user. At this time, the menu related to the media transaction and the counter service can be separately provided, which can reduce the complexity of the menu and allow the user to quickly recognize the transaction to be performed.

Specifically, the display unit 130 may output various information such as advertisement information, usage guide information, authentication and registration result information of the user, and card issuance result information as well as the electronic format and / or the card information . At this time, the card issuance result information may include at least one of a used amount, card company information, a transaction date, and a corresponding credit card number.

For example, the display unit 130 may display the holding cards already held by the user and information of the holding cards, and may display the remaining amount of the cards stored in the card storage unit 110 by type .

In addition, the display unit 130 may include a touch screen, and may receive the input signal of the user, that is, the selection signal according to the touch operation of the user. For example, the user can select a card to be issued through the touch operation of the display unit 130 or input the selection signal to create the electronic format. In addition, the user may control the start and end of detection of biometric information and authentication information, and the start and end of card issuance through the touch operation of the display unit 130. [

The card processing unit 140 may read the information of the issuing card extracted from the card storage unit 110 and issued to the user, and may print the information and settings of the user on the issuing card.

In detail, the card processing unit 140 may perform an operation of discharging the card requested by the user to the outside of the financial instrument, so that the card processing unit 140 may include a card ejection port or may be connected to the card ejection port by a path. In other words, when the card processing unit 140 receives the card issuance approval information from the financial instrument, the card processing unit 140 extracts the issuance card from the card storage unit 110 according to the card issuance approval information, The card information for the card can be received.

At this time, the card processing unit 140 may print the user information input through the display unit 130 and printing information such as detailed settings corresponding to the user information on one side of the issuing card.

Accordingly, the card processing unit 140 may be provided with a printing apparatus. The printing apparatus confirms an area where the printing information is to be printed on one side (the side contacting the printing apparatus) of the issuing card, The printing information can be printed in the printing area by moving or positioning the printing device in the area.

In this case, the printing apparatus may be a laser jet system (a system in which heat and pressure are applied to at least one color powder to print the printing information on one side of the issuing card), a thermal transfer system (transferring ink on a thermal ribbon through a heating element, (A method of printing the print information on one side of the issuance card), an inkjet method (a method of printing the print information by spraying fine ink powder on one side of the issuance card) and a dot matrix method And a method of printing the printing information on one side of the issuing card by impacting the printing card).

In addition, the card processing unit 140 may include at least one of an MS reader, a contact IC reader, and a contactless IC reader to read the card medium information recorded on the issuing card. That is, by reading the information recorded on the issuance card through the above-described reader or the like, the read information can be transmitted to the card information storage unit 120 or output to the display unit 130.

The card recovery unit 150 may include two or more recovery boxes for categorizing and storing the revoked card discharged from the card processing unit 140 and the unprinted recycling card due to the failure of the card processing unit 140, The collection box can store the issuance card that has not been delivered to the user. In particular, the recycled card may be retrieved from the card collection unit 150 and stored in the card storage unit 110.

That is, the discard card may be a card that is normally not delivered to the customer even though the card issuance approval information is received and the print information is printed on the issuance card. On the other hand, when the card issuance approval information is not received or the card extracted from the card storage unit 110 is not normally delivered to the customer due to a failure occurring before the card processing unit 140 prints the print information, Card.

In addition, the number of the recycle card and the revocation card stored in the collection box and the card information thereof can be transmitted to the water terminal in real time. Therefore, an administrator in charge of the financial apparatus including the card issuing apparatus 100 can manage the card stored in the card storage unit 110 by checking the number of the recycle card and the discard card and card information therefor .

For example, when the total number of cards of the card recovery unit 150 in which the recycled card is stored is moved to the card storage unit 110, the manager initializes the number of withdrawal receptacles of the card recovery unit 150 to 0 And the recycled card moved from the collection box to the card storage unit 110 can be re-installed in the hopper for each card type to reset the number of copies. The changed number of cards in the card storage unit 110 and the card information of the changed card can be transmitted to the card information storage unit 120 and transmitted to the cardinal terminal through the communication network.

2 is a block diagram showing a configuration of a financial device 200 including a card issuing device 100 according to an embodiment of the present invention.

Referring to FIG. 2, the financial device 200 includes a biometric information authentication unit 210 for detecting biometric information and authentication information of a user and generating registration request information and authentication request information of the user's biometric information, A card issuing device (100) for storing a plurality of cards and card information corresponding to the plurality of cards, receiving a selection signal from the user and issuing a card requested by the user, A controller 220 for determining whether to issue a card and generating card issuance request information, and updating the stored card information, and a controller 220 for determining at least one of the registration request information, the authentication request information, and the card issuance request information of the biometric information And a communication unit 230 for receiving at least one of the user identification information, the authentication approval information, and the card issuance approval information Can.

The biometric information authentication unit 210 of the financial instrument 200 will be described later in the description of FIG.

The control unit 220 can control the overall operation of the financial device 200 and manage the flow of information or data between the biometric information authentication unit 210, the card issuing device 100, and the communication unit 230.

Specifically, when the user is authenticated based on the biometric information and the identification information, the controller 220 generates the card issuance request information, and upon receiving the card issuance approval information for the card issuance request information, It is possible to control the operation of the card issuing device 100 so as to discharge it out of the device 200. [

At this time, the control unit 220 includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit), an execution memory (e.g., a register) and / or a bus And at least one or more electronic circuits (or an integrated circuit) therefor, and is loaded into the execution memory from a recording medium provided in the financial device 200 to perform a software specific function, And may include program routines or program data that are processed by the processor. In particular, the control unit 220 includes an operating system (OS) and / or a terminal control program routine for managing the financial device 200 after the financial device 200 is booted by software.

The communication unit 230 transmits information received from the biometric information authentication unit 210, the card issuing device 100 and the control unit 220 to an external device of the financial device 200, that is, And may receive the information received from the external device and transmit the received information to the control unit 220.

Specifically, the communication unit 230 can receive the registration request information and the authentication request information of the biometric information from the biometric information authentication unit 210 and transmit the authentication request information to the hospital terminal and / or the management server, and the control unit 220 The card issuance request information including the identification information, and transmit the card issuance request information to the management server.

Also, the control server 220 can receive the identification information, the authentication approval information, and the card issuing approval information of the user from the management server and / or the jockey terminal,

At this time, the communication unit 230 provides a communication function for performing a transaction function (for example, a transaction function in cooperation with the financial device 200 and an external system of each financial system) provided in the financial device 200 A network communication unit for providing transaction communication with a financial server (or a payment server) or a card operation server provided in a financial system through a financial network, a cable communication port (for example, RS-232c, USB (RF) communication, Bluetooth, BlueTooth, wireless LAN, Wi-Fi, Wi-Fi, etc. for providing transactional communication with an external communication device through a wireless communication network, And at least one short range wireless communication including Near Field Communication (NFC), Zigbee, and Ultra Wide Band system (UWB). A communication protocol and / or a communication application for providing transactional communication.

At this time, the short range communication device of the communication unit 230 can be used when transmitting and receiving information with the user terminal.

3 is a block diagram showing a configuration of the biometric information authentication unit 210 of the financial device 200 according to the embodiment of the present invention.

3, the biometric information authentication unit 210 includes a biometric information sensing unit for sensing the biometric information including at least one of fingerprint information, iris information, facial information, finger vein information, and intestinal vein information of the user 211), an authentication information sensing unit (212) for sensing the authentication information including the user ID and image information, a request information generating unit (213) for generating registration request information and authentication request information of the detected biometric information, . ≪ / RTI >

Specifically, the biometric information sensing unit 211 may acquire the biometric information of the user using one or more sensors provided in the financial device 200. [ At this time, the biometric information may include at least one of fingerprint information, iris information, finger vein information, intestinal vein information, and user's body image information, but the biometric information is not limited thereto.

For example, the biometric information sensing unit 211 may acquire the fingerprint information of the user using the fingerprint recognition sensor mounted on the financial device 200, or may acquire fingerprint information of the user using the camera sensor, And so on. Alternatively, a body image of a user may be acquired using the camera sensor, biometric information such as a user's key, body shape, gait characteristics, etc. may be acquired from the whole body image, or the iris information of the user may be acquired.

Preferably, the biometric information sensing unit 211 may use the finger vein detection sensor or the intestinal vein detection sensor to acquire information on the finger vein shape or the palm vein shape of the user to utilize the user biometric information.

In addition, the biometric information sensing unit 211 may acquire the biometric information using a sensor installed separately from the financial device 200. For example, the biometric information (for example, whole body image information, etc.) may be obtained by receiving the biometric information from a closed circuit camera installed in a place where the financial device 200 is installed and analyzing the received data have.

That is, the sensor for acquiring the biometric information may be included in the financial device 200 or may be an external device capable of transmitting / receiving data through the wired / wireless communication with the financial device 200.

If necessary, the biometric information sensing unit 211 may directly acquire the biometric information from the user terminal. In other words, the term "sensing" in this specification should be construed to mean acquiring the corresponding information, and includes not only sensing directly by the biometric information sensing unit 211, but also acquiring information sensed from an external device.

Therefore, the biometric information sensing unit 211 may acquire the biometric information by receiving biometric information such as fingerprint information or iris information of the user sensed by the user terminal through the communication unit 230.

The authentication information sensing unit 212 may acquire the authentication information of the user using one or more devices provided in the financial device 200. At this time, the authentication information sensing unit 212 may include a document scanner, an optical unit, and a camera device including a CCD (Charge Coupled Device) device, but is not limited thereto.

In addition, the identification information of the authentication information may be a document certifying personal information of an individual including a personal identification card, driver's license, passport, etc., and the image information of the authentication information may be information of the face information of the user But the authentication information is not limited thereto.

In addition, the authentication information sensing unit 212 may acquire the image information using a camera device installed separately from the financial device 200. [ For example, by receiving and analyzing the image information from a closed circuit camera or the like installed in a place where the financial instrument 200 is installed.

In particular, the authentication information may be transmitted to the cardinal terminal that manages the financial device 200 through the communication unit 230, and the banker managing the cardinal terminal may check the identity of the user by comparing the authentication information .

For example, the banker can directly verify the identity of the user using the financial device 200 by directly comparing the photograph of the user's ID card with the face image of the user included in the image information.

When the biometric information and the authentication information are input from the biometric information sensing unit 211 and the authentication information sensing unit 212, the request information generation unit 213 generates authentication request information and registration request information, 230). At this time, the authentication request information includes the authentication information, and the registration request information includes the biometric information.

The financial device 200 according to the present invention can provide a non-face-based card issuance having a high reliability and an easy authentication procedure by using biometric information of a customer requesting card issuance.

As described above, while the service area of the conventional financial device is extremely limited, the financial device 200 according to the present invention not only exchanges media through direct communication with the server, but also transmits / receives information to / It is possible to carry out the window service provided only at the counter at the window, realizing the actual automation of the financial service.

As described above, the present invention has been described as an example of the window service for issuing a financial card. However, various window services that do not directly mediate the media such as other receiving transactions, loan transactions, foreign exchange transactions, ) Of course.

4 is a perspective view showing an example of a financial instrument 200 according to an embodiment of the present invention.

FIG. 4 is an exemplary view showing the appearance of a financial instrument according to an embodiment. FIG. 4 is an exemplary illustration of a financial instrument that may be implemented including the above-described configuration of the present invention. The financial instrument 200 of the present invention may have the form, .

In addition, those skilled in the art will readily understand the respective functional modules provided for the characteristics of the financial instrument 200, so that a detailed description thereof will be omitted.

Referring to FIG. 4, the financial instrument 200 may include a media input device for inputting media. For example, the financial device 200 may include a bill input port for inputting a denomination denomination. If necessary, the financial instrument 200 may include a coin slot for receiving a coin type coin. As another example, the financial device 200 may include an integrated media input port through which bills and coins can be input together.

In addition, the financial device 200 may include one input unit or may further include an additional input unit such as a keypad. For example, the input unit may include a keypad device having a numeric key and a function key, a keyboard device having a numeric key, a character key (English letter key or Korean character key) and a function key, an input And a touch screen device having at least one of a numeric key, a character key, and a function key.

In addition, the financial device 200 may add various additional function configurations such as a secure application module (SAM) for supporting media transactions or a print output device that prints and prints a receipt according to the intention of a person skilled in the art.

The financial device 200 may include a biometric information sensing unit 111 for sensing biometric information of a user. For example, a sensor device (biometric information sensing unit) 211 for scanning at least one of biometric information of a fingerprint, a finger vein, and a vein of a vein. In addition, the financial device 200 may include a camera device 212 for acquiring body image information or iris information from the biometric information. At this time, the camera device (authentication information sensing unit) 212 may be composed of various kinds of cameras such as a camera for image acquisition or an infrared camera for recognizing iris information.

In addition, the financial device 200 may include an authentication information sensing unit 212 that scans a user's ID card or allows the user to check his or her face. At this time, a scan device that scans the ID card may scan various types of scannable prints such as a two-dimensional bar code form or a QR code form, and transmit the authentication information to the callee terminal through the communication unit 230.

In addition, the financial apparatus 200 includes a card storage unit 110 having a plurality of hoppers and storing the same type of financial card in each hopper, and an issuing card according to the card issuing approval information extracted from the card storage unit 110 And a card processing unit 140 including a discharge port for discharging a card requested by the user to the outside of the financial device 200.

In addition, in the inside of the financial apparatus 200, there are provided a card withdrawal card dispensed by the card processing unit 140 and a card withdrawal card having two or more withdrawal cards for categorizing and storing unprinted recycled cards due to a failure of the card processing unit 140 The portion 150 may include the above.

In addition, the financial device 200 may display the stored information or one or more data received in real time by the control signal of the control unit 220, thereby providing the user with a menu for performing the media transaction and / 130). In this case, the display unit 130 may be a screen output unit including a liquid crystal display (LCD) and / or a cathode ray tube (CRT), and may include not only electronic format and / And may output various information such as usage guide information, authentication and registration result information of the user, and card issuance result information.

That is, the financial device 200 provides the media transaction service and / or the counter service service to the user according to the user's selection, and inputs a selection of the media transaction service and / or the counter service service according to the operation signal of the user And performs the provision of the selected service to the user.

In addition, the financial device 200 of the present invention may additionally include the respective components necessary for carrying out the present invention, and the specific components may be integrated into one configuration or may be omitted if necessary. Accordingly, specific embodiments of the financial device may be configured differently according to each embodiment of the present invention, and it should be understood that they are all included in the scope of the present invention.

The financial device 200 described above can operate as one component in the card issuing system. Hereinafter, the configuration of the card issuing system 50 including the financial device 200 and the operation of each embodiment will be described with reference to the drawings.

5 is a diagram showing a configuration of a card issuing system 50 including a financial device 200 according to an embodiment of the present invention.

The card issuing system 50 of the present invention generates authentication request information including the registration request information of the biometric information including the user's biometric information and the authentication information of the user, 200), upon receipt of the registration request information and the authentication request information, generates biometric information of the user to generate identification information of the user, determines a card that can be issued to the user upon receiving the card issuing request information, Card information and card issuance approval information, a key input terminal (510) for receiving the biometric information and the authentication information of the user in real time and generating and transmitting authentication approval information, And a user terminal 520 for outputting an approval result of the authentication of the user and a card issuance result.

1 to 4 and includes information received from the user terminal 520 and information that is directly acquired from the financial device 200. The financial device 200 includes the card issuing device 100, The biometric information of the user and the authentication information to the management server 500 and / or the clerk terminal 510. At this time, the financial device 200 transmits the authentication request information including the registration request information including the biometric information and the authentication information to the management server 500 and / or the clerk terminal 510 via the communication unit 230 .

That is, the financial device 200 receives the identification information of the user and the authentication approval information from the management server 500 and / or the jockey terminal 510, and transmits the card issuing request information to the management server 500 can do. Then, the management server 500 transmits the card issuance approval information and the card information to the financial device 200. Here, the identification information may be an on-line personal identification number including a combination of letters and numbers such as a PIN number (simple password) or a disposable password. Upon receipt of the card issuance approval information, the financial device 200 may issue the card to the user according to the card issuance approval information.

The financial instrument 200 receives and stores the card information from the management server 500 and transmits the card numbers and card information of the cards held by the financial instrument 200 to the management server 500 and / or the clerk terminal 510 can do. The manager terminal 510 responsible for the financial apparatus 200 manages the card held by the financial instrument 200 to discard or remove the card stored in the card storage unit 110 and the card withdrawal unit 150 Provide insufficient cards.

The management server 500 may be a financial institution server performing authentication and registration for the user, generating and storing the card information, and issuing a financial card. That is, the management server 500 authenticates and registers the authentication request information and the registration request information received from the financial device 200 using the personal authentication comparison information including the biometric information and the identification information of the user, You can decide.

For example, the management server 500 may generate and register the identification information according to the user's biometric information, and may store the biometric information and the identification information as the individual authentication comparison information. That is, when the authentication request information and the registration request information are received from the financial device 200, the management server 500 confirms the identity of the user through communication with the keeper terminal 510, generates the identification information, Can be transmitted to the financial instrument (200).

When the card issuance request information is received from the financial device 200 together with the identification information and the biometric information, the management server 500 compares the identification information and the biometric information with the individual authentication comparison information. That is, the identity of the user can be confirmed by determining the identity of the biometric information and the identification information for the user, and the user can proceed to issue the requested card.

When the management server 500 receives the registration request information and the authentication request information, the management server 500 may generate additional authentication information and transmit the additional authentication information to the user terminal 520. At this time, the user can further authenticate himself / herself through the additional authentication information, thereby enhancing the reliability of the card issuing system 50. At this time, the additional authentication information may be SMS (Short Message Service) authentication or ARS (Audio Response System) authentication.

For example, when the financial instrument 200 transmits the registration request information and the authentication request information, the management server 500 determines whether the biometric information and the identification information are identical to the individual authentication comparison information, The additional authentication information can be transmitted to the user terminal 520 while confirming the identity of the user. At this time, the user terminal 520 can transmit the authentication approval information and the registration approval information to the financial device 200 when the character authentication or the ARS authentication, which is the additional authentication information, is completed.

The management server 500 may have the same hardware configuration as that of a typical Web server, a web application server, or a WAP server. C ++, Java, PHP, .Net, Python, Ruby, and so on.

In addition, the management server 500 can be connected to an unspecified number of financial devices 200 or other servers via a network. Accordingly, the management server 500 receives a job execution request from the other server, A computer system for deriving and providing results, or computer software (server program) installed for such a computer system.

In addition, the management server 500 can store and manage not only the personal authentication comparison information and card information but also contents, various information, and data in a database. Therefore, the management server 500 should be understood as a broad concept including a series of application programs operating on the management server 500, and various databases built in the inside or outside, in addition to the above-described server programs.

The database may refer to an aggregate of data that is structured and managed by data such as information or data for use by a server or another apparatus, and may refer to a storage medium storing an aggregate of such data. In addition, the database may include a plurality of databases classified according to a data structure, a management method, and a type of data. The database may be software that can add, modify, or delete information or data, And may include a database management system (DBMS).

The clerk terminal 510 allocates a task of the window service to the financial device 200 in accordance with the progress of the window service, receives the financial information input to the financial device 200, Can be performed. At this time, the task of the counter service generally means a task to be performed in all processes from the start to the completion of the financial transaction. For example, a task to be performed in order to issue a card is to select a card product and card, scan an ID card, receive personal information, create an electronic form such as a personal information collection agreement, receive card information, Issuing and the like.

The kiosk terminal 510 is connected to the biometric information authentication unit 210, the card issuing device 100 and various devices through the communication unit 230 and the control unit 220 of the financial device 200, Lt; RTI ID = 0.0 > of < / RTI >

For example, if the card issuance apparatus 510 requests the issuance of the financial card, the card issuance apparatus 510 controls the card issuance apparatus 200 to scan the identification card by driving the scan apparatus of the financial apparatus 200 when the identification card scan is required. It is possible to control the issuance of the card through the ejection opening. That is, the apparatus may include an ID card scanner, a passbook printer, a card issuer, a document scanner, a coin dispenser, a passbook issuer, a sign pad, and a paint scanner.

In the card issuing system 50, a plurality of the gaming terminals 510 may be provided, but it may be more efficient to provide the gaming terminals 510 less than the number of the financial devices 200. That is, the gaming terminal 510 monitors the transaction progress status in real-time so that the communication with the plurality of financial devices 200 can proceed smoothly without colliding with each other, and assigns a task of the counter job to each financial device 200 Should be.

For example, the clerk terminal 510 allocates a task to a plurality of financial devices 200 so that a task to be processed does not exceed a predetermined reference amount. At this time, the reference amount may be determined based on the availability of the devices interlocked with the amount of data that can be simultaneously processed by the water terminal 510.

The user terminal 520 refers to the terminal of the user previously registered in the authentication system of the management server 500. At this time, the user terminal 520 is a portable device connectable to a network such as the Internet, and may be a mobile device such as a personal digital assistant (PDA) or a cellular phone.

At this time, the user terminal 520 may have an application related to the authentication system, receive the additional authentication information from the management server 500 using the application, and transmit the authentication information, And at least one of the identification information may be transmitted to the financial device 200 using a local area communication method.

That is, the user terminal 520 receives the additional authentication information, such as SMS authentication or ARS authentication, and outputs the authentication information to the user through the display provided in the user terminal 520, and receives the authentication signal from the user. Upon receiving the authentication signal from the user, the user terminal 520 can transmit the authentication signal to the management server 500 and the financial device 200, thereby completing the personal authentication of the user.

In addition, the user terminal 520 receives from the management server 500 the result of the media transaction including the authentication approval result, the bio-signal registration result, and the card issuance approval result performed in the financial device 200, Via the display.

The card issuing system 50 using the financial device according to the present invention may further include a network. The network is a network that mediates connection with the management server 500, the financial device 200, and / or the groom terminal 510. That is, when performing the media transaction in the financial device 200, the network mediates transmission / reception of information between the financial device 200 and the management server 500 or between the financial device 200 and the casual terminal 510, The connection between the management server 500 and the dispatcher terminal 510 may be mediated.

At this time, the network may be a closed network such as a LAN (Local Area Network), a WAN (Wide Area Network), or an open network such as the Internet. Herein, the Internet includes various services existing in the upper layer of the TCP / IP protocol such as HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol Refers to a worldwide open computer network structure including Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS).

Meanwhile, the communication unit 230 of the financial device 200 transmits at least one of the authentication request information, the registration request information, and the card issuance request information to the management server 500 and the management server 500 through the network using a wired and / And / or the gaming terminal 510, and receive at least one of the identification information, the authentication approval information, and the card issuing approval information of the user from the management server 500 and / or the jockey terminal 510 have.

As described above, the card issuing system 50 according to the present invention is highly reliable and can issue a card to a user in a simple non-face-to-face transaction method.

6 is a flowchart for explaining a card issuing method in the financial device 200 including the card issuing device 100 according to the embodiment of the present invention.

The card processing unit 140 of the card issuing apparatus 100 discharges the card requested by the user to the outside of the financial apparatus 200 according to the user's selection signal and the card issuing approval information, Can be stored.

Specifically, the card storage unit 110 is provided with a plurality of hoppers, and the same kind of financial card may be stored in each hopper. The card stored in the card storage unit 110 may be moved to the card processing unit 140 according to a control signal output from the control unit 220 of the financial device 200.

The card processing unit 140 may be provided with a card ejection port or may be provided with a card ejection port or a card ejection port, And can be connected to the card ejection opening by a passage. That is, upon receiving the card issuance approval information from the control unit 220, the card processing unit 140 extracts the issuance card according to the card issuance approval information from the card storage unit 110, The card information for the issuing card can be received.

In addition, the card collection unit 150 may be connected to the card processing unit 140 to include two or more collection boxes, and the collection box can store the issuance cards that have not been delivered to the user. At this time, the withdrawal card may be classified as a discard card ejected from the card processing unit 140 and an unprinted recycled card due to a failure of the card processing unit 140. In particular, the recycled card may be retrieved from the card processing unit 140 and stored in the card storage unit 110.

Referring to FIG. 6, when the user inputs the selection signal for selecting a card to be issued through the display unit 130, the control unit 220 controls the card storage unit 110 An issuance card to be issued to the user is extracted (S600).

Then, the card information stored in the issuing card extracted by the card processing unit 140 is read (S610), and the card information is transmitted to the card information storage unit 120 or outputted to the display unit 130. [

In step S620, the controller 220 receives the card issuance approval information from the management unit 130 and transmits the card issuance approval information to the management server 220. [ (Step S630).

At this time, if the card issuance approval information is not received from the management server 500, the issuance card is withdrawn to the first withdrawal box of the card withdrawal unit 150 (S640). At this time, the first collection box is a collection box for storing the recycle card. That is, since the card stored in the first collection box can be recycled, the issuing card is moved to the card storage unit 110 (S650).

On the other hand, if the card issuance approval information is received from the management server 500, a check is made to see if a malfunction has occurred in the card processing unit 140 (S660).

At this time, if a failure occurs in the card processing unit 140, the issuing card is recovered to the first recovery box of the card recovery unit 150 (S640). That is, since the card stored in the first collection box can be recycled, the issuing card is moved to the card storage unit 110 (S650).

On the other hand, if no failure occurs in the card processing unit 140, the user information and the setting information of the issuing card are printed on the issuing card on the one side of the issuing card using the printing apparatus of the card processing unit 140 (S670) and discharges the card so that the user can collect the issuing card through the card ejection opening of the card processing unit 140

Then, it is determined whether the user has collected the issuing card at the card ejection opening (S680).

At this time, if the user has not withdrawn the issuing card from the card ejecting opening, the issuing card is recovered to the second withdrawing box of the card collecting unit 150 (S690) and discarded (S700). At this time, the second collection box is a collection box for storing the discard card.

On the other hand, if the user has collected the issuing card at the card ejecting opening, the display unit 130 outputs the card issuing result to the management server 500 (S710)

7 is a flowchart illustrating a non-face authentication operation of the card issuing system 50 according to the embodiment of the present invention.

Referring to FIG. 7, the user inputs biometric information and authentication information in the biometric information authentication unit 210 of the financial device 200 (S70). At this time, the authentication request information including the authentication information may be transmitted to the mover terminal 510 (S71).

In this instance, the biometric information may be information obtained by acquiring the finger vein shape or the palm vein shape of the user using the finger vein sensor or the intestinal vein detection sensor, and the authentication information may be information of the user Or image information of the user.

The cashier responsible for the mage terminal 510 checks the authentication information received through the communication unit 230 of the financial device 200, that is, the identification card or the image information, and confirms the identity of the user (S72).

At the same time, the cashier connects to the database of the management server 500 to confirm whether the user is a previously registered user (S73).

If the user is a pre-registered user, the management server 500 determines whether the biometrics information of the user is stored (S74), and transmits authentication approval information to the financial device 200 (S78).

On the other hand, if the user is an unregistered user, the financial device 200 receives an electronic form for registering the biometric information of the user from the keel terminal 510 (S75). At this time, the electronic form includes a consent form, a condition and an application form necessary for biometric information registration.

Then, the user inputs a selection signal for the electronic type through the display unit 130 of the financial instrument 200 (S76). At this time, the electronic format can be created by filling the blank space of the electronic format output to the display unit 130 by the selection signal such as the touch operation of the user.

At this time, when the electronic form completed by the user and the biometric information inputted by the user are transmitted to the management server 500, the management server 500 displays the identification of the user corresponding to the biometric information input by the user (S77), and transmits the authentication approval information and the identification information to the financial device 200 (S78).

When the user inputs the identification information and the biometric information to the financial device 200 in step S79, the biometric information authentication unit 210 of the financial device 200 generates registration request information including the biometric information To the management server 500 (S80).

When the management server 500 receives the registration request information for the biometric information from the financial device 200, the management server 500 transmits the additional authentication information to the user terminal 520 registered in the management server 500, The additional authentication is executed through the display of the user terminal 520 (S81).

For example, the additional authentication is performed using the user's name, telephone number, and communication company information. When the management server 500 sends the SMS authentication or ARS authentication, which is the additional authentication information, to the user terminal 520, A screen for inputting the SMS authentication number or the ARS authentication number is displayed on the display of the user terminal 520. [ Then, the user inputs the SMS authentication number or the ARS authentication number to the display unit 130 of the financial device 200. Then, the financial device 200 transmits the SMS authentication number or the ARS authentication number input by the user to the management server 500 again, and the management server 500 confirms the additional authentication information.

When the additional authentication is completed, the management server 500 registers the biometric information of the user (S82) and transmits the registration approval information of the biometric information to the financial device 200 and / or the clerk terminal 510 do. Accordingly, the registration result of the biometric information is output to the display unit 130 of the financial device 200, and the registration result is transmitted to the key terminal 510 (S83).

8 is a flowchart for explaining a card issuing operation of the card issuing system 50 according to the embodiment of the present invention.

8, when approval of the user authentication of the user is completed at the gaming terminal 510 and the management server 500 at step S800, Such as the card issuance request information including the payment date and the payment account number of the user, and the PIN number (S810).

At this time, when the financial device 200 transmits the card issuance request information including the identification number to the management server 500 through the communication unit 230 (S820), the management server 500 transmits the credit information of the user Confirm the card information.

The financial device 200 receives the card information that can be issued to the user from the management server 500 (S830) and outputs the card information to the display unit 130. [

At this time, the user checks the output card information and selects an issuance card to be issued (S840). At this time, the financial device 200 receives the electronic form for issuing the card from the management server 500 and / or the maid terminal 510 (S850) and outputs the received electronic form to the display unit 130. [ At this time, the electronic form includes a consent form, a contract, and an application for issuing a card.

Then, the user inputs a selection signal to the electronic format through the display unit 130 of the financial device 200 (S860). That is, the electronic form can be created by filling the empty space of the electronic form output to the display unit 130 by the selection signal such as the touch operation of the user.

At this time, when the electronic form completed by the user and the biometric information input by the user are transmitted to the management server 500, the management server 500 generates the card issuance approval information, (S870) whether the card issuance approval information has been received from the card issuance approval information receiving unit 500. [

At this time, if the card issuance approval information is not received from the management server 500, the financial device 200 ends the card issuance process.

On the other hand, if the card issuance approval information is received from the management server 500, the financial device 200 generates authentication request information and transmits the authentication request information including the biometric information to the management server 500 .

At this time, the management server 500 performs the authentication using the biometric information of the user using the received authentication request information (S880), transmits the additional authentication information to the user terminal 520, (S890).

For example, when the SMS authentication information or the ARS authentication information is transmitted from the management server 500 to the user terminal 520, the additional authentication is performed using the user's name, telephone number, 520), a screen for inputting the SMS authentication number or the ARS authentication number is displayed. Then, the user inputs the SMS authentication number or the ARS authentication number to the display unit 130 of the financial device 200. Then, the financial device 200 transmits the SMS authentication number or the ARS authentication number input by the user back to the management server 500, and the management server 500 transmits the SMS authentication number or the ARS authentication number And confirms that the management server 500 matches the predetermined additional authentication information.

When the additional authentication is completed, the management server 500 transmits authentication approval information to the financial device 200, and when the financial device 200 receives the authentication approval information, the issuance card is discharged (S900).

At this time, if the user collects the issuing card discharged from the financial device 200, the user outputs the card issuing result to the display unit 130 and transmits the card issuing result to the management server 500 (S910).

FIG. 9 is a diagram for explaining the operation of the card issuing system 50 according to the embodiment of the present invention.

The card issuing method of the present invention includes generating authentication request information including registration request information of the biometric information including user's biometric information and authentication information of the user and transmitting card issuing request information, And generating biometric information of the user by generating biometric information of the user upon receiving the authentication request information, determining a card that can be issued to the user upon receiving the card issuing request information, Generating biometric information and authentication information of the user in real time, generating and transmitting authentication approval information, and outputting a result of approval of the principal authentication and a result of card issuance to the user .

The card issuing system 50 shown in FIG. 9 includes a financial device 200 for providing a financial service for issuing a card to a customer, a taxi terminal 510 for supporting the financial service provided by the financial device 200, A management server 500 for managing financial services, and a user terminal 520 for performing authentication of the user's identity.

9 shows an example of a card issuing method that can be executed by the card issuing system 50 according to the present invention, but the card issuing method is not limited thereto.

9, the financial instrument 200 transmits authentication request information for confirming the personal authentication of the user to the water terminal 510 (S90), and the personal authentication of the user is confirmed at the water terminal 510 The financial instrument 200 receives the authentication approval information corresponding to the authentication request information from the water terminal 510 (S91).

When authentication approval is completed, the financial device 200 transmits registration request information for registration of the user's biometric information to the cardiac terminal 510 or the management server 500 (S92). At this time, the registration request information may be transmitted to the management server 500 through the gaming terminal 510 (S92), or may be directly transmitted to the management server 500 by the financial device 200. [

When the management server 500 receives the registration request information (S92), the management server 500 transmits the additional authentication information to the already registered user terminal 520 for authentication of the user (S93). Then, the user performs additional authentication through the user terminal 520 and transmits the additional authentication result to the financial device 200 and / or the management server 500 (S94).

When the additional authentication is completed, the management server 500 generates the registration approval information corresponding to the registration request information, and transmits the registration approval information to the financial device 200 and / or the clerk terminal 510 (S95). At this time, the registration approval information may be transmitted to the financial instrument 200 through the gaming terminal 510 (S92) or transmitted directly to the financial instrument 200 (S95).

Accordingly, when the biometric information of the user is registered in the management server 500, the user transmits card issuance request information including the user's identification information and the biometric information to the management server 500 through the financial device 200 (S96).

Then, the management server 500 compares the identification information input from the financial device 200 and the biometric information with personal authentication comparison information including biometric information of the user registered in the management server 500, And generates and transmits the issuance approval information to the financial instrument 200 (S97).

That is, as shown, when a media transaction service such as a card issuance is selected by the user in the financial device 200, the media transaction information is transmitted / received to / from the card terminal 510 and / or the management server 500, 200 transmits and receives the information related to the counter job to the keener terminal 510 when a service such as opening a passbook is selected.

As described above, according to the present invention, since the user authentication is performed in a non-face-to-face manner, the effect of issuing a card through a simplified procedure is provided and the card issuance can be performed without being limited by time and space. Effect.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage device of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium and the like can be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

100: card issuing device
110: Card storage unit 120: Card information storage unit
130: display unit 140: card processing unit
150:
200: Financial equipment
210: Biometric information authentication unit
211: biometric information sensing unit 212: authentication information sensing unit
213: request information generating unit
220: control unit 230: communication unit
50: Card issuing system
500: management server
510: KWON terminal 520:

Claims (16)

A card storage unit for storing a plurality of cards;
A card information storage unit for storing card information corresponding to the stored plurality of cards and information on a card to be issued or withdrawn;
A display unit for outputting the card information that can be issued to a user who requests the issuance of the card and an electronic form for issuing the card and receiving a selection signal from the user;
A card processing unit for ejecting the card requested by the user according to the selection signal of the user and the approval information for issuing the card; And
And a card collection unit for storing the collection card retrieved from the user. The method according to claim 1,
Wherein the card information includes at least one of a card type, a card benefit, and a card issuer,
Wherein the electronic form includes a consent form, a term and an application form. The method according to claim 1,
The card information storage unit stores,
And updates the number of cards stored or issued in the card storage unit and the card collection unit and the changed card information in real time. The method according to claim 1,
The card processing unit includes:
And a card issuing device for reading the information of the issuing card extracted from the card storage part and issued to the user and printing the information and setting of the user on the issuing card. The method according to claim 1,
The card-
And a card issuing device for sorting and storing the discard card ejected from the card processing section and the unreprinted recycled card due to the failure of the card processing section. 6. The method of claim 5,
Wherein the recycling card is extracted from the card processing unit and stored in the card storage unit. A biometric information authentication unit for generating registration request information and authentication request information of the user's biometric information by sensing biometric information and authentication information of the user;
A card issuing device that stores a plurality of cards and card information corresponding to the plurality of cards, receives a selection signal from the user, and issues a card requested by the user;
A controller for generating card issuance request information by determining whether the user issues a card based on the detected biometric information, and updating the stored card information; And
A communication unit that transmits at least one of the registration request information, the authentication request information, and the card issuance request information of the biometric information, and receives at least one of the identification information, the authentication approval information, and the card issuance approval information of the user; . 8. The method of claim 7,
Wherein the biometric information authentication unit comprises:
A biometric information sensing unit for sensing the biometric information including at least one of fingerprint information, iris information, facial information, finger vein information, and intestinal vein information of the user;
An authentication information sensing unit for sensing the authentication information including the user ID and the image information; And
A request information generating unit for generating the registration request information and the authentication request information of the detected biometric information; . 8. The method of claim 7,
Wherein,
Wherein the card issuing request information is generated when the user is authenticated based on the biometric information and the identification information, and upon receipt of the card issuing approval information for the card issuing request information, . 8. The method of claim 7,
Wherein,
And transmits and receives information to and from the user terminal, the clerk terminal, and the management server of the user. A financial instrument for generating authentication request information including registration request information of the biometric information including biometric information of a user and authentication information of the user and transmitting card issuance request information;
The card issuance request information, and the card issuance request information, and when the card issuance request information and the authentication request information are received, the biometric information is registered to generate the identification information of the user. A management server for generating and transmitting approval information;
A groom terminal which receives the biometric information and the authentication information of the user in real time and generates and transmits authentication approval information; And
A user terminal for outputting an approval result of the user authentication and a card issuance result to the user; The card issuing system using the financial device. 12. The method of claim 11,
The financial device,
And issuing a card to the user according to the card issuing approval information upon receiving the card issuing approval information. 12. The method of claim 11,
The financial device,
Wherein the card issuing system receives the card information from the management server and stores the card information, and transmits the stored card number and card information of the card to the management server and the card terminal. 12. The method of claim 11,
The management server includes:
And transmits additional authentication information to the user terminal upon receiving the registration request information and the authentication request information. 15. The method of claim 14,
The user terminal comprises:
A card issuing system using the financial device that receives the additional authentication information, outputs the additional authentication information to the user, and receives an authentication signal from the user. Generating authentication request information including biometric information registration request information including user's biometric information and authentication information of the user and transmitting card issuing request information;
Upon receiving the registration request information and the authentication request information, generates biometric information of the user to generate identification information of the user, determines a card that can be issued to the user upon receiving the card issuing request information, Generating and issuing card issuing approval information;
Generating biometric information and authentication information of the user in real time and generating and transmitting authentication approval information; And
Outputting the approval result of the principal authentication and the card issuance result to the user; And a card issuing method using the financial device.

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