KR960042403A - Firm banking terminal device and operation method of the terminal device - Google Patents

Firm banking terminal device and operation method of the terminal device Download PDF

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Publication number
KR960042403A
KR960042403A KR1019950014453A KR19950014453A KR960042403A KR 960042403 A KR960042403 A KR 960042403A KR 1019950014453 A KR1019950014453 A KR 1019950014453A KR 19950014453 A KR19950014453 A KR 19950014453A KR 960042403 A KR960042403 A KR 960042403A
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KR
South Korea
Prior art keywords
terminal device
password
cpu
ars
dtmf
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KR1019950014453A
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Korean (ko)
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KR0170164B1 (en
Inventor
김인수
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김인수
백두정보기술 주식회사
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Priority to KR1019950014453A priority Critical patent/KR0170164B1/en
Publication of KR960042403A publication Critical patent/KR960042403A/en
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Publication of KR0170164B1 publication Critical patent/KR0170164B1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

본 발명은 펌 뱅킹 단말장치 및 그 단말장치의 운용방법에 관한 것으로 특히, 키신호를 발생시키는 키입력부(1)와; 스마트 카드(20)가 선택적으로 결합되는 카드접속구(2)와; 각종 정보를 표시해 주는 디스플레이부(3)와; 시스템의 전반적인 제어기능을 수행하는 CPU(4)와; 시스템운용 프로그램 및 각종 데이타가 기억되어지는 ROM(5)과; 소정 데이타가 일시저장되는 RAM(6)과; CPU(4)의 출력신호를 DTMF방식으로 변환시켜 호스트 컴퓨터로 전송하고 호스트 컴퓨터로부터 송출된 데이타는 디지탈신호로 변환시켜 주는 DTMF 송수신기(7)와; 단말장치와 호스트 컴퓨터 사이에서 데이타 통신이 원활히 이루어지도록 하는 전화라인 인터페이스부(8)로 구성하여 일반 회사등지에서도 스마트 카드를 통해 손쉽게 은행업무를 수행할 수 있도록 하므로써, 계좌번호등의 키입력 없이도 은행업무가 자동으로 이루어져 사용상 매우 편리하며, 고객의 비밀번호와 계좌번호 및 금액등이 단말장치와 은행의 ARS 및 호스트 컴퓨터 사이에서 암호화된 상태로 DTMF 톤 데이타 통신이 이루어져 데이타의 안정성을 확보할 수 있는 것이다.The present invention relates to a firm banking terminal device and a method of operating the terminal device, and in particular, a key input unit (1) for generating a key signal; A card connector 2 to which the smart card 20 is selectively coupled; A display unit 3 for displaying various kinds of information; A CPU 4 which performs overall control of the system; A ROM 5 in which a system operation program and various data are stored; A RAM 6 in which predetermined data is temporarily stored; A DTMF transceiver 7 for converting the output signal of the CPU 4 to the DTMF method for transmission to the host computer and converting the data sent from the host computer into a digital signal; It consists of a telephone line interface (8) to facilitate data communication between the terminal device and the host computer so that banking can be easily performed through a smart card even in a general company, so that the bank can be operated without a key input such as an account number. It is very convenient to use because the work is done automatically, and the DTMF tone data communication is performed between the terminal device and the bank's ARS and the host computer with the customer's password, account number and amount, so that the data can be secured. .

Description

펌 뱅킹 단말장치 및 그 단말장치의 운용방법Firm banking terminal device and operation method of the terminal device

본 내용은 요부공개 건이므로 전문내용을 수록하지 않았음As this is a public information case, the full text was not included.

제1도는 본 발명 장치의 블럭 구성도, 제2도는 본 발명 발법을 설명하기 위한 플로우챠트.1 is a block diagram of an apparatus of the present invention, and FIG. 2 is a flowchart for explaining the method of the present invention.

Claims (3)

고객이 자신의 스마트 카드(20)를 카드접속구(2)에 꽂음으로 인해 상호 인증절차가 이루어지면, CPU(4)는 단말장치를 은행의 ARS(31)에 연결시키므로 ARS(31)에서 전화 서비스를 접수받는 제1단계와; 사용자가 키입력부(1)를 통해 이용코자 하는 서비스 코드를 입력시키면 CPU(4)에서 스마트 카드로부터 계좌번호를 읽어들여 서비스 코드와 함께 DTMF 톤으로 ARS(31)에 전송하고, ARS(31)에서는 전송되어 온 계좌번호를 접수하여 서비스를 개시하는 제2단계와; 사용자가 키입력부(1)를 통해 비밀번호를 입력시키면 CPU(4)는 이 비밀번호를 하드웨어 시큐리티 디바이스(41)을 통해 암호화하여 DTMF 톤으로 전송하며, ARS(31)에서는 비밀번호내의 암호를 키로 푼 다음 호스트 컴퓨터(30)내에 기억되어 있는 비밀번호와 동일한지를 검출하는 제3단계와; 상기에서 비밀번호가 상호 일치되지 않으면 거래를 거부하고 비밀번호가 맞았으면 고객이 원하는 서비스를 수행하여 그 결과를 단말장치(10)로 송출하여 디스플레이부(3)에 나타내 주는 제4단계로 이루어진 것을 특징으로 하는 펌 뱅킹 단말장치의 운용방법.When the customer enters the smart card 20 into the card access port 2 and the mutual authentication process is made, the CPU (4) connects the terminal device to the bank's ARS (31), so the telephone service in the ARS (31) Receiving the first step; When the user inputs the service code to use through the key input unit 1, the CPU 4 reads the account number from the smart card and transmits it to the ARS 31 in DTMF tones along with the service code in the ARS 31. Receiving a transmitted account number and starting a service; When the user inputs a password through the key input unit 1, the CPU 4 encrypts the password through the hardware security device 41 and transmits it in DTMF tones. The ARS 31 decrypts the password in the password with a key and then the host. A third step of detecting whether the password is the same as stored in the computer 30; If the password does not match with each other, the transaction is rejected. If the password is correct, the customer performs a desired service, and transmits the result to the terminal device 10. Operation method of the firm banking terminal device. 숫자키를 포함하여 각종 기능키를 구비하고 사용자에 의해 선택적으로 조작되어 소정의 키신호를 발생시키는 키입력부(1)와; 소정은행에 대한 전화번호와 더불어 암호호된 상태의 통장 계좌번호 및 비밀번호등이 기억되어져 있는 고객의 스마트 카드(20)가 선택적으로 결합되어 CPU(4)와 데이타 통신이 이루어지도록 하는 카드접속부(2)와; 은행의 전화번호와 결재금액등을 포함한 각종 정보를 문자 및 숫자로 표시해 주는 디스플레이부(3)와; 소정프로그램에 의해 시스템의 전반적인 제어기능을 수행하는 CPU(4)와; 시스템운용 프로그램을 포함하여 각종 데이타가 기억되어지는 ROM(5)과; 시스템 운용중 소정의 데이타가 일시저장되는 RAM(6)과; 상기 CPU(4)로부터 출력되는 디지탈신호를 DTMF 방식으로 변환시켜 전화선로를 통해 ARS(31)로 전송하고 ARS(31)로부터 DTMF 방식으로 송출되어 오는 데이타를 디지탈로 변환시켜 CPU(4)로 입력시켜 주는 DTMF 송수신기(7)와; 상기 DTMF 송수신기(7)를 전화선로를 통해 은행의 ARS(31)와 연결시켜 소정의 데이타 통신이 원활히 이루어지도록 하는 전화라인 인터페이스부(8)로 구성된 것을 특징으로 하는 펌 뱅킹 단말장치.A key input unit (1) having various function keys including numeric keys and selectively operated by a user to generate a predetermined key signal; Card connection unit 2 for selectively communicating with the customer's smart card 20, in which the passbook account number and the password, etc., which are stored in the encrypted state together with the telephone number for the predetermined bank, are established. )Wow; A display unit (3) for displaying various types of information including letters and numbers of banks and bills; A CPU 4 which performs overall control of the system by a predetermined program; A ROM 5 which stores various data including a system operation program; A RAM 6 in which predetermined data is temporarily stored during system operation; The digital signal output from the CPU 4 is converted into the DTMF method and transmitted to the ARS 31 through the telephone line, and the data transmitted from the ARS 31 in the DTMF method is converted into digital and input into the CPU 4. DTMF transceiver 7 for making; Firm banking terminal device characterized in that the telephone line interface unit (8) for connecting the DTMF transceiver (7) to the bank's ARS (31) through a telephone line to facilitate a predetermined data communication. 제2항에 있어서, 상기 CPU(4)는 암호들을 풀기위한 키 데이타, 암호와 키를 조합하여 스마트 카드(20)의 암호를 인증하기 위한 운영 소프트웨어를 구비한 하드웨어 시큐리티 디바이스(41)이 내장된 것을 특징으로 하는 펌 뱅킹 단말장치.The hardware security device (41) according to claim 2, wherein the CPU (4) is equipped with a hardware security device (41) having key data for decrypting passwords, operating software for authenticating the password of the smart card 20 by combining the password and the key. Firm banking terminal device, characterized in that. ※ 참고사항 : 최초출원 내용에 의하여 공개하는 것임.※ Note: The disclosure is based on the initial application.
KR1019950014453A 1995-05-31 1995-05-31 Firm banking terminal unit using smart card and its operation method KR0170164B1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1019950014453A KR0170164B1 (en) 1995-05-31 1995-05-31 Firm banking terminal unit using smart card and its operation method

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Application Number Priority Date Filing Date Title
KR1019950014453A KR0170164B1 (en) 1995-05-31 1995-05-31 Firm banking terminal unit using smart card and its operation method

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KR960042403A true KR960042403A (en) 1996-12-21
KR0170164B1 KR0170164B1 (en) 1999-03-30

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100293174B1 (en) * 1998-05-27 2001-07-12 이종인 Security method and apparatus for mfc tone dial signals
KR100472830B1 (en) * 2001-02-05 2005-03-08 주식회사 국민은행 System for confirmation of internet customer's own name used ARS system

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100293174B1 (en) * 1998-05-27 2001-07-12 이종인 Security method and apparatus for mfc tone dial signals
KR100472830B1 (en) * 2001-02-05 2005-03-08 주식회사 국민은행 System for confirmation of internet customer's own name used ARS system

Also Published As

Publication number Publication date
KR0170164B1 (en) 1999-03-30

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