KR20190138380A - System for providing phone ATM service and method for providing the same - Google Patents

Abstract

According to an embodiment of the present invention, a system for providing a phone ATM service comprises: an IC card reader connected to a user terminal to read IC card information from a user IC card, and providing the IC card information to the user terminal; the user terminal having an ATM application to transmit, to a financial server, the IC card information provided from the IC card reader to request IC card authentication, and communicate with the financial server to perform an Internet financial transaction including account transfer when the IC card authentication is successful; and the financial server authenticating the IC card information transmitted from the ATM application, and performing the Internet financial transaction including the account transfer executed later. Thus, by using a smartphone and an IC card reader, account transfer or balance inquiry can be easily implemented.

Description

System and providing phone ATM service and method for providing the same

The present invention relates to a system and method for providing an ATM financial service, and a system and a method for providing a telephone ATM service for providing an ATM financial service using a terminal such as a smartphone.

It is well known that various online services are provided due to the development of communication networks and computer related technologies. The service range of the online service through such a communication network can be used without limitation of time and space due to its characteristics, and the range of the service is expanding dramatically. In particular, security-critical services such as Internet banking services are widely used online.

When using online services (online banking, identity verification, etc.), public certificates, security cards (OTP), etc. are used in Korea for identity verification. Authorized certificates have been enforced by law and recently obsoleted, but are still used in most online services.

To use a public certificate on your PC, you must have a plug-in in your web browser (Internet Explorer, Chrome, etc.). Plug-ins are extensions that help web browsers execute specific functions contained in web pages. The web browser requires the authentication certificate and the function of importing the encrypted private key, the function to perform the digital signature, and the keyboard security function required for entering the certificate certificate (previously, the password to decrypt the encrypted private key). Plug-ins are needed because they are not possible.

However, most web browser developers (Microsoft, Google, etc.) exclude plug-ins (ActiveX, NPAPI, etc.) from the functions of web browsers due to security problems such as vulnerabilities of the plug-in itself or the plug-in is used as a way of installing malware. Doing.

On the other hand, when withdrawing money from an ATM offline, the only authentication procedure performed was to enter a password. Therefore, if a person with a passbook or card that can withdraw money from an ATM acquires a password, the technology will allow the member to know the details of the illegal use used by others after a long time, which leads to credit card companies and credit. Card members were forced to suffer material and mental damage.

In addition, the user has a inconvenience to move to the place where the ATM machine is installed, insert the IC card into the ATM machine, and perform tasks such as account transfer.

Recently, as the obligation to use authorized certificates has been partially resolved in Korea, competition in the online simple payment market is intensifying. Currently, Naver Pay, Payco, and Kakao Pay are fiercely competing in the online simple payment market.

 Different companies have different contents and target customers, but there is an urgent need for a new concept of miniaturizing existing ATMs so that users can carry and use them directly.

Korean Patent Publication No. 10-2009-0017839

The technical problem of the present invention is that an ATM application mounted on a smart phone is connected to a communication terminal such as a smart phone carried by a user, such as funds transfer or balance inquiry from a user account using the card information. It is to make ATM function service.

An embodiment of the present invention is provided with: an IC card reader connected to a user terminal to read IC card information from a user IC card and provide the same to the user terminal; The user terminal is installed with an ATM app that transmits the IC card information provided from the IC card reader to a financial server to request IC card authentication, and when the IC card authentication is successful, communicates with the financial server to perform an internet financial transaction including account transfer. ; And a financial server for authenticating the IC card information transmitted from the ATM app and performing an internet financial transaction including an account transfer executed thereafter.

The IC card reader includes: an IC card insertion hole into which an IC card is inserted; An IC card reading module for extracting IC card information by reading an IC card inserted through the IC card insertion hole; A keypad for receiving an account password from a user; And a reader communication module configured to transmit the IC card information and the account password to the user terminal.

When the IC card authentication is successful, the ATM app of the user terminal displays an ATM financial transaction menu including account transfer and account inquiry, so that the ATM business using the IC card is performed through the ATM financial transaction menu. You can do

The ATM app of the user terminal receives an account password from the user through the IC card reader when the IC card authentication is successful from the financial server, and transmits the account password to the financial server to perform an internet financial transaction. Display a financial transaction information input screen.

In addition, the user terminal, the communication connection process for executing an ATM app to communicate with the IC card reader; An IC card information reading process of reading an IC card information stored in an IC chip of an inserted IC card and transmitting the IC card reader to the user terminal; An IC card authentication request process, wherein the ATM app transmits the IC card information to a financial server to request IC card authentication; And the financial server performs the IC card authentication using the IC card information, and when the IC card authentication is successful from the financial server, communicates with the ATM app to perform an internet financial transaction including an account transfer. Providing process; may include.

The Internet financial transaction providing process, after successful IC card authentication from the financial server, the Internet financial transaction including the account transfer by communicating with the ATM app only when the authentication of the account password received from the ATM app of the user terminal is successful. Can be done.

According to the embodiment of the present invention, a user can easily implement a wire transfer or balance inquiry using a smart phone and an IC card reader that he / she carries without using an ATM device installed in a bank. Therefore, children or seniors who are not good at mobile banking can easily use financial services anytime and anywhere using real IC cards without going through complicated procedures through an accredited certificate.

1 is a block diagram of a phone ATM service providing system according to an embodiment of the present invention.
2 is a perspective view of an IC card reader according to an embodiment of the present invention.
Figure 3 is a screen example of an ATM app in accordance with an embodiment of the present invention.
4 is an account password input request screen according to an embodiment of the present invention.
5 is an exemplary diagram in which a user inputs an account password through an IC card reader according to an embodiment of the present invention.
6 is an exemplary diagram of a financial transaction information input screen for bank transfer according to an embodiment of the present invention.
7 is a flowchart illustrating a method for providing a phone ATM service according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various forms, and is provided to fully inform the scope of the invention to those skilled in the art. The invention is defined only by the scope of the claims. In addition, in the following description of the present invention, if it is determined that related related technologies and the like may obscure the gist of the present invention, detailed description thereof will be omitted.

1 is a block diagram of a phone ATM service providing system according to an embodiment of the present invention, Figure 2 is a perspective view of the IC card reader according to an embodiment of the present invention, Figure 3 is an ATM app according to an embodiment of the present invention 4 illustrates an example screen, and FIG. 4 illustrates an account password input request screen according to an embodiment of the present invention, and FIG. 5 illustrates an example of inputting an account password through an IC card reader according to an embodiment of the present invention. Is an exemplary diagram of a financial transaction information input screen for bank transfer according to an embodiment of the present invention.

With the IC card reader 100 connected to a communication terminal such as a smart phone that the user is carrying, the IC card reader 100 of the user's IC card (credit card or debit card which is able to deposit or withdraw because the bank account is connected) When inserted into the IC card reader 100, the IC card reads the card information and supplies it to the ATM app mounted on the smartphone, the ATM app sends the card information to the bank server (or service server) to authenticate the user Automated Teller Machine (ATM) functional services, such as funds transfer from user accounts or balance checks, are performed.

Therefore, even if there is no cash in the wallet, even without a certificate, OTP, security card, even if the mobile banking is poor, if you have a check card, you can immediately cash transfer, account inquiry. In particular, by using a check card presented by a customer at a store, it is easy to transfer cash to a business account without a cash fee. Furthermore, it will be possible to pay by credit card without the need for a POS terminal at the store.

To this end, the phone ATM service providing system of the present invention may include a mobile communication network (not shown), an IC card reader 100, a user terminal 200, and a financial server 300 as shown in FIG. .

A mobile communication network (not shown) is a communication network providing mobile communication between the user terminal 200 and the financial server 300. The mobile communication network may perform data communication using a wireless mobile communication network including a base transceiver station (BTS), a mobile switching center (MSC), and a home location register (HLR). For reference, a mobile radio communication network may include, but is not limited to, a base station (BTS), a mobile switching center (MSC), and a home location register (HLR). It may further include a component such as a data serving node).

The IC card reader 100 is connected to the user terminal 200 to read the IC card information from the user IC card and provide it to the user terminal 200. Here, the IC card may include all of various financial cards such as a check card, a debit card, and a credit card on which an IC chip is mounted.

The IC card reader 100 reads the IC card insertion hole 120 into which the IC card is inserted and the IC card inserted through the IC card insertion hole 120 to extract IC card information as shown in FIG. It may include a reading module (not shown), a keypad 110 for receiving an account password from the user, and a reader communication module (not shown) for transmitting the IC card information and the account password to the user terminal 200. .

The communication method of the reader communication module (not shown) may be wired communication methods such as Ethernet, Universal Serial Bus, IEEE 1394, serial communication, and parallel communication. In addition, various wireless communication schemes may be used, such as infrared radiation, Bluetooth, radio frequency (RF), and wireless LAN.

For reference, the IC card reader is an example of a device that reads an IC card, and includes all readers capable of reading various types of cards such as a magnetic card reader and an NFC card reader.

The financial server 300 is a server operated by a financial institution such as a bank, a credit card company, an insurance company, and authenticates IC card information transmitted from an ATM app and allows internet financial transactions including an account transfer to be executed afterwards.

The financial server 300 has the same configuration as a general server device in hardware, and is implemented through various types of languages such as C, C ++, Java, Visual Basic, Visual C, etc. in software to provide various functions. It includes a program module for doing this. In addition, the server hardware may be implemented using various server programs provided according to operating systems such as DOS, Windows, Linux, Unix, Macintosh, etc. in general server hardware. . Especially, it is a server with enhanced security.

In the drawing, the user terminal 200 will be described by taking a smart phone as an example, but not only a smart phone but also a tablet PC, a slate PC, a PDA (Personal Digital Assistants), and a PMP (Portable Multimedia Player) ) May be applied. Of course, the terminal to which the present invention is applicable is not limited to the above-described type, and of course, may include all terminals capable of communicating with external devices. For reference, a smart phone is an intelligent terminal that adds a computer support function such as internet communication and information retrieval to a mobile phone, and may install an application desired by a user. Smartphones combine the advantages of mobile phones and personal digital assistants (PDAs), integrating data communication functions such as calendaring, fax transmission and reception, and Internet access. Not only can you connect directly to the Internet using the wireless Internet, but you can also access it in various ways using a variety of browsing programs. In addition, unlike the existing mobile phones, hundreds of various apps (applications, applications) can be installed and added or deleted as desired by the user, and users can create their own apps (applications). You can implement an interface that works for you.

The user terminal 200 transmits the IC card information provided from the IC card reader 100 to the financial server 300 to request the IC card authentication, and if the IC card authentication is successful, an internet financial transaction including an account transfer is made. An app that communicates with the financial server 300 (hereinafter, referred to as an "ATM app") is installed.

The ATM app of the user terminal 200, the ATM app of the user terminal 200, if the IC card authentication is successful, as shown in Fig. 3 to display the ATM financial transaction menu including bank transfer, account inquiry, Through ATM financial transaction menu, ATM business using IC card is performed.

In addition, the ATM app of the user terminal 200, if the IC card authentication is successful from the financial server 300, receives the account password from the user through the IC card reader 100, the account password to the financial server 300 If the password authentication is successful by sending, the financial transaction information input screen for internet financial transaction is displayed.

For example, when the user selects a bank transfer, a screen for inputting an account password is displayed as shown in FIG. 4, and the account password is input from the user through the IC card reader 100 as shown in FIG. 5. Receive. When the password authentication is successful by transmitting the account password to the financial server 300, as shown in FIG. 6, the financial transaction information input screen for the Internet financial transaction is displayed. Therefore, the user can transfer money through the financial transaction information input screen.

7 is a flowchart illustrating a method for providing a phone ATM service according to an embodiment of the present invention.

In the method of providing a phone ATM service according to the present invention, as shown in FIG. 7, the user terminal 200 executes an ATM app to communicate with the IC card reader 100 in a communication connection process (S710) and an IC card reader ( IC card information reading process (S720) for reading the IC card information stored in the IC chip of the inserted IC card and sent to the user terminal 200 (S720), the ATM app, the IC card information to the financial server 300 When the IC card authentication request process (S730) for transmitting and requesting IC card authentication and the financial server 300 performs IC card authentication using the IC card information, and the IC card authentication is successful from the financial server 300. It may include an internet financial transaction providing process (S740) to communicate with the ATM app to perform an internet financial transaction including an account transfer.

In detail, the communication connection process (S710) is a process in which the user terminal 200 executes an ATM app and is connected to the IC card reader 100 by wired or wireless communication. Such wired and wireless communication may be a wired communication method such as Ethernet, Universal Serial Bus, IEEE 1394, serial communication, and parallel communication. Infrared Radiation ), Various wireless communication schemes such as Bluetooth, Radio Frequency (RF), and Wireless LAN (WLAN) may be used.

IC card information reading process (S720) is a process of reading the IC card information stored in the IC chip of the IC card and transmitting to the user terminal 200, by reading the IC card information recorded on the IC chip provided on the IC card It is provided to the user terminal 200. Here, the IC card information may correspond to information such as a card number, an expiration date, and an authentication key.

The IC card authentication request process (S730) is a process in which an ATM app requests IC card authentication by transmitting IC card information to a financial server.

Internet financial transaction providing process (S740), the financial server performs the IC card authentication using the IC card information, if the IC card authentication is successful from the financial server 300, by communicating with the ATM app Internet including account transfer It is a process to make a financial transaction. After the IC card authentication is successful from the financial server 300, the Internet financial transaction including the account transfer is performed by communicating with the ATM app only when the authentication of the account password received from the ATM app of the user terminal 200 is successful. .

The embodiments in the above description of the present invention are presented by selecting the most preferred examples to help those skilled in the art from the various possible examples, and the technical spirit of the present invention is not necessarily limited or limited only by the embodiments. However, various changes, modifications, and other equivalent embodiments may be made without departing from the technical spirit of the present invention.

100: IC card reader
200: user terminal
300: financial server

Claims (6)

An IC card reader connected to the user terminal to read IC card information from the user IC card and provide the IC card information to the user terminal;
The user terminal is installed with an ATM app that transmits the IC card information provided from the IC card reader to the financial server to request IC card authentication, and when the IC card authentication is successful, communicates with the financial server to perform an internet financial transaction including account transfer. ; And
A financial server for authenticating IC card information transmitted from the ATM app and performing an internet financial transaction including an account transfer executed thereafter;
Phone ATM service providing system comprising a.
The method according to claim 1, wherein the IC card reader,
An IC card insertion slot into which an IC card is inserted;
An IC card reading module for extracting IC card information by reading an IC card inserted through the IC card insertion hole;
A keypad for receiving an account password from a user; And
A reader communication module for transmitting the IC card information and an account password to the user terminal;
Phone ATM service providing system comprising a.
The method of claim 2, wherein the ATM app of the user terminal,
If the IC card authentication is successful, the ATM financial transaction menu including the account transfer, account inquiry is displayed, the ATM service providing system, characterized in that the ATM business using the IC card is performed through the ATM financial transaction menu.
The method of claim 3, wherein the ATM app of the user terminal,
When the IC card authentication is successful from the financial server, the account password is input from the user through the IC card reader, and when the password authentication is successful by transmitting the account password to the financial server, a screen for inputting financial transaction information for internet financial transaction is displayed. Phone ATM service providing system.
A communication connection process of the user terminal executing an ATM app to communicate with the IC card reader;
An IC card information reading process of reading, by the IC card reader, the IC card information stored in the IC chip of the inserted IC card and transmitting it to the user terminal;
An IC card authentication request process, wherein the ATM app transmits the IC card information to a financial server to request IC card authentication; And
When the financial server performs the IC card authentication using the IC card information, and the IC card authentication is successful from the financial server, the Internet server provides the Internet financial transaction to communicate with the ATM app so that the Internet financial transaction including the account transfer is made. process;
Phone ATM service providing method comprising a.
The method of claim 5, wherein the internet financial transaction providing process,
After the IC card authentication from the financial server is successful, the method of providing a phone ATM service to communicate with the ATM app to perform Internet financial transactions including account transfer only when the authentication of the account password received from the ATM app of the user terminal is successful. .

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