WO2012050254A1

WO2012050254A1 - Method and system for performing electronic financial transactions using a token

Info

Publication number: WO2012050254A1
Application number: PCT/KR2010/007319
Authority: WO
Inventors: 김준모; 최종무
Original assignee: 단국대학교 산학협력단
Priority date: 2010-10-15
Filing date: 2010-10-25
Publication date: 2012-04-19
Also published as: KR20120039129A; KR101170055B1

Abstract

The invention relates to a method for performing electronic financial transactions using a token, which enables money to be transferred from a first account corresponding to a first terminal to a second account corresponding to a second terminal, and which comprises the steps of: (a) the first terminal and/or the second terminal delivering first information, which includes at least the amount of money, to a financial transaction server; (b) the second terminal delivering second information indicating that a first token separated from the first terminal is connected to the second terminal; and (c) the financial transaction server receiving the second information and then transferring the money from the first account to the second account according to the first information.

Description

Electronic financial transaction method and system using token

The disclosed technology relates to an electronic financial transaction method and system using a token.

Electronic money is a new concept of money that replaces cash as bank deposits or money are stored electronically on an integrated circuit card or computer connected to a network. IC card type electronic money is called electronic wallet type electronic money. This is because some of the bank deposits are transferred electronically to IC cards and paid as cash to terminals. Such IC card type electronic money cannot be used in electronic commerce unless it is compatible with the network type. Network-type electronic money can be stored in virtual banks or on customers' computers connected to the Internet, and there are cyber coins and e-cash.

Electronic money is vulnerable to electronic manipulation and forgery. The biggest impediment to the spread of electronic money systems is that digital cryptography does not prove 100% secure. If the hack succeeds, the aftermath cannot be controlled, the damage is theoretically infinite, and electronic theft by the hack cannot be completely prevented.

The technical problem of the disclosed technology is to eliminate the exposure to malicious behaviors performed on the simultaneous and infinite range of problems that digital electronic money has, thereby improving the limitation of the use of electronic money. It is to enable safe and convenient currency distribution compared to using physical currency.

The disclosed technology to achieve the above technical problem, in the electronic financial transaction method using a token transfers the amount of money from the first account corresponding to the first terminal to the second account corresponding to the second terminal, (a) said Transmitting, by at least one of the first terminal and the second terminal, first information including at least the amount to the financial transaction server to the financial transaction server; (b) transferring, by the second terminal, the second information corresponding to the fact that the first token separated from the first terminal is connected to the second terminal, to the financial transaction server; And (c) after the financial transaction server receives the second information, transferring the amount from the first account to the second account according to the first information.

The disclosed technique can have the following effects. However, since a specific embodiment does not mean to include all of the following effects or only the following effects, it should not be understood that the scope of the disclosed technology is limited by this.

According to the disclosed technology, a monetary system dualized into physical and electronic money can be unified, enabling transparent transactions and accurate currency control.

In addition, according to the disclosed technology, taking advantage of the electronic advantages of electronic money, physical transactions can slow down the propagation speed of disasters caused by digital hacking as physical propagation.

In addition, according to the disclosed technology, when a token is forged using a physical token having a unique ID, a duplicate or nonexistent token ID may be identified at a bank server to block a transaction by forgery.

1 is a block diagram illustrating an electronic financial transaction system according to an embodiment of the disclosed technology.

2 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology.

3 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology.

Description of the disclosed technology is only an embodiment for structural or functional description, the scope of the disclosed technology should not be construed as limited by the embodiments described in the text. That is, the embodiments may be variously modified and may have various forms, and thus the scope of the disclosed technology should be understood to include equivalents capable of realizing the technical idea.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "include" or "have" refer to features, numbers, steps, operations, components, parts, or parts thereof described. It is to be understood that the combination is intended to be present, but not to exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, operations, components, parts or combinations thereof.

Each step may occur differently from the stated order unless the context clearly dictates the specific order. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. The terms defined in the commonly used dictionary should be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

1 is a block diagram illustrating an electronic financial transaction system according to an embodiment of the disclosed technology. Referring to FIG. 1, an electronic financial transaction system includes a first terminal 100, a second terminal 200, and a financial transaction server 300.

The first terminal 100 is a terminal corresponding to the first account 110 and is electrically connected to the first token 120. The first terminal 100 may be a terminal for remitting money, and may include a mobile communication terminal, a personal computer (PC), and personal digital assistants (PDAs). The first account 110 corresponds to the first terminal 100 as an account with which an amount is withdrawn. Tokens are physical means of trading with unique IDs, and do not represent a certain amount. Tokens are exchanged when there is a transaction between terminals. The first token 120 is electrically connected to the token connection terminal of the first terminal 100. The first terminal 100 and the first token 120 are mapped and stored in the financial transaction server 300. The first token 120 may be connected to the first terminal 100 in various ways, such as a USB interface or an ISO 7816 (smart card interface).

The second terminal 200 is a terminal corresponding to the second account 210 and is electrically connected to the second token 220. The second terminal 200 may include a mobile communication terminal, a personal computer (PC), and personal digital assistants (PDAs) as the terminal for receiving the amount of money. The second account 210 corresponds to the second terminal 200 as an account for receiving the amount of money. The second token 220 is electrically connected to the token connection terminal of the second terminal 200. The second terminal 200 and the second token 220 are mapped and stored in the financial transaction server 300. The second token 220 may be connected to the second terminal 200 in various ways, such as a USB interface or an ISO 7816 (smart card interface). When there is a transaction, the first token 120 may be separated from the first terminal 100 and electrically connected to the second terminal 200. In addition, the second token 220 may be separated from the second terminal 200 and electrically connected to the first terminal 100.

The financial transaction server 300 includes a database 310, a token recognition unit 320, and a transaction processing unit 330. The database 310 stores the first information transmitted by at least one of the first terminal 100 and the second terminal 200. The first information includes the ID of the first terminal 100, the ID of the first token 120, and the amount information. The first information may further include an ID of the second terminal 200 and an ID of the second token 220. The ID of the first terminal 100 may be, for example, a phone number of a mobile communication terminal, an IP address of an internet terminal, a member ID of a smartphone, an account number of the first account 110, or a member ID of a financial transaction server. The ID of the first token 120 is a unique number or letter assigned to the token, and the ID of the token does not change even if the token is exchanged between terminals. In addition, the database 310 stores a mapping relationship between the terminal and the token. Before the first token 120 is transferred from the first terminal 100 to the second terminal 200, the first token 120 is mapped to the first terminal 100, and the first token 120 is formed of the first token 120. After the first terminal 100 is transferred from the first terminal 100 to the second terminal 200, the first token 120 and the second terminal 200 are mapped. The token recognition unit 320 receives information corresponding to that the first token 120 separated from the first terminal 100 is connected to the second terminal 200. In addition, the token recognition unit 320 receives information corresponding to that the first token 120 separated from the second terminal 200 is connected to the first terminal 100. When there is a transaction request from the first terminal 100, the transaction processing unit 330 requests a transaction approval from the second terminal 200 and transfers the account according to whether the transaction is approved. In addition, when there is a transaction request of the second terminal 200, the transaction approval request is made to the first terminal 100, and the transfer is performed according to whether the transaction is approved. The communication between the financial transaction server 300 and the

terminals

100 and 200 may be encrypted. For example, when the first terminal 100 and the second terminal 200 access the financial transaction server 300 to transmit the first information, the first terminal 100 and the second terminal 200 may be driven by inputting a predetermined code. The predetermined code includes, for example, a personal identification number or a password. In addition, the transfer of information between the financial transaction server 300 and the

terminals

100 and 200 may be performed by a symmetric encryption or an asymmetric encryption method.

2 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology. Referring to FIG. 2, at least one of the first terminal 100 and the second terminal 200 transmits first information including at least an amount of money to the financial transaction server 300 (S410). One of the first terminal 100 and the second terminal 200 transmits the first information to the financial transaction server 300, or the first terminal 100 and the second terminal 200 transmit the first information. I can deliver it. The first terminal 100 corresponds to a terminal for remitting an amount corresponding to the first account 110, and the second terminal 200 corresponds to a terminal for receiving an amount corresponding to the second account 210. In the drawing, an example in which the first terminal 100 delivers the first information to the financial transaction server 300 is represented. The first information may further include an ID of the first terminal 100 and an ID of the first token 120 in addition to the amount information. In addition, the first information may further include an ID of the second terminal 200 and an ID of the second token 220. The communication between the financial transaction server 300 and the

terminals

100 and 200 may be encrypted.

The second terminal 200 transmits the second information corresponding to the connection of the first token 120 separated from the first terminal 100 to the second terminal 200 to the financial transaction server 300 ( S420). In addition, the first terminal 100 transmits the third information corresponding to the connection of the second token 220 separated from the second terminal 200 to the first terminal 100 to the financial transaction server 300. . When the first token 120 separated from the first terminal 100 is connected to the second terminal 200, the database 310 maps the first token 120 and the second terminal 200. In addition, when the second token 220 is connected to the first terminal 100, the database 310 maps the second token 220 and the first terminal 100. In this case, the token is transferred from one terminal to another, indicating that there is a transaction between the terminals. In the figure, an example is shown in which

tokens

120 and 220 are exchanged after the first information is transferred to the financial transaction server 300. However, after the

tokens

120 and 220 are exchanged, the first information is exchanged. May be communicated to 300.

The financial transaction server 300 checks whether the money is received from the second terminal 200 (S430). When the second terminal 200 approves the receipt of the amount, the financial transaction server 300 may convert the second account corresponding to the second terminal 200 from the first account 110 corresponding to the first terminal 100. The amount is transferred to 210. However, when the second terminal 200 refuses to receive the amount, the amount is not transferred to the account even though the second terminal 200 has already received the token from the first terminal 100.

When the second terminal 200 permits the receipt of the money, the financial transaction server 300 transfers the money from the first account 110 to the second account 210 according to the first information (S440). The financial transaction server according to the ID of the first terminal 100, the ID of the second terminal 200, the ID of the first token 120, and the amount of money, which is the first information transmitted by the first terminal 100 when the transaction is requested. 300 transfers money from the first account 110 to the second account 210. More specifically, as the second terminal 200 approves the first information from the first account 110 corresponding to the first terminal 100 to the second account 210 corresponding to the second terminal 200. The amount contained in is transferred to your account.

The financial transaction server 300 transmits the transaction details to the first terminal 100 and the second terminal 200 after the account transfer (S450). For example, the financial transaction server 300 may include a transaction history including an amount transferred to the first terminal 100, an account balance after the transfer, an ID of the first terminal 100, and an ID of the second terminal 200. Can be transmitted. In addition, the financial transaction server 300 records the transaction details including the amount received from the transfer to the second terminal 100, the account balance after the transfer, the ID of the first terminal 100 and the ID of the second terminal 200. Can transmit The financial transaction server 300 may, for example, transmit transaction details in the form of a short message service (SMS).

If the second terminal 200 refuses to accept the payment, the financial transaction server 300 checks whether the first token 120 is collected with respect to the first terminal 100 (S460). When the second terminal 200 refuses to receive the amount of money, since no transaction has occurred, it is possible to recover the token according to the intention of the first terminal 100. However, token collection is not essential when no transaction occurs. Therefore, when the first terminal 100 rejects the token collection, the second terminal 200 is connected to the first token 120 and the database 310 has the second terminal 200 and the first token 120. Will be mapped.

When the first terminal 100 approves the token recovery, the first token 120 is recovered to the first terminal 100 (S470). In addition, when the second token 220 is connected to the first terminal 100, the second token 220 is transferred to the second terminal 200 by the token recovery approval of the first terminal 100. The database 310 remaps the first terminal 100 and the first token 120. If the second token 220 is included in the transaction, the database 310 remaps the second terminal 200 and the second token 220.

3 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology. Referring to FIG. 3, the second terminal 200 transmits first information including at least an amount of money to the financial transaction server 300 (S510). The first terminal 100 corresponds to a terminal for remitting an amount corresponding to the first account 110, and the second terminal 200 corresponds to a terminal for receiving an amount corresponding to the second account 210. In the drawing, an example in which the second terminal 200 receiving the amount of money transfers the first information to the financial transaction server 300 to request a transaction is shown. The first information may further include an ID of the first terminal 100 and an ID of the second terminal 200 in addition to the price information. In addition, the first information may further include an ID of the second token 220. Communication between the second terminal 200 and the financial transaction server 300 may be encrypted.

The financial transaction server 300 transmits the amount information to the first terminal 100 (S520). In more detail, when the second terminal 200 receiving the amount of money first makes a transaction request, the financial transaction server 300 indicates that there is a transaction request with the amount information to the first terminal 100 to which the money is to be remitted. Inform.

The financial transaction server 300 confirms whether to approve the transaction with respect to the first terminal 100 (S530). More specifically, when the first terminal 100 that has received a transaction request rejects the transaction, the transfer is terminated, and when the first terminal 100 approves the transaction, the transfer continues.

When the first terminal 100 approves the transaction, the first terminal 100 transmits the ID of the first token 120 to the financial transaction server 300 (S540). The first terminal 100 that approves the transaction must deliver the first token 120 to the second terminal 200 as a precondition for the transaction to continue, and the first terminal to the financial transaction server 300 before the token is delivered. The ID of the first token 120 connected with the 100 will be transmitted.

The second terminal 200 transmits the second information corresponding to the fact that the first token 120 separated from the first terminal 100 is connected to the second terminal 200 to the financial transaction server 300 (S550). ). In addition, the first terminal 100 transmits the third information corresponding to the connection of the second token 220 separated from the second terminal 200 to the first terminal 100 to the financial transaction server 300. . When the first token 120 separated from the first terminal 100 is connected to the second terminal 200, the database 310 maps the first token 120 and the second terminal 200. When the second token 220 is connected to the first terminal 100, the database 310 maps the second token 220 and the first terminal 100. In this case, the token is transferred from one terminal to another, indicating that there is a transaction between the terminals. In the figure, an example in which

tokens

120 and 220 are exchanged after the first information is transmitted to the financial transaction server 300 is shown. However, the exchange of the

tokens

120 and 220 indicates that the first information is a financial transaction server ( It may also be performed prior to the step (300).

The financial transaction server 300 transfers the amount of money from the first account 110 to the second account 210 according to the first information (S560). In more detail, as the first terminal 100 permits a transaction, the first terminal 100 is transferred from the first account 110 corresponding to the first terminal 100 to the second account 210 corresponding to the second terminal 200. 1 The amount of money included in the information will be transferred to the account.

The financial transaction server 300 transmits the transaction details to the first terminal 100 and the second terminal 200 after the account transfer (S570). More specifically, the financial transaction server 300 includes the amount of money transferred to the first terminal 100, the account balance after the transfer, the ID of the first terminal 100 and the ID of the second terminal 200. Transaction history can be sent. In addition, the financial transaction server 300 records the transaction details including the amount received by the transfer to the second terminal 100, the account balance after the transfer, the ID of the first terminal 100 and the ID of the second terminal 200. Can transmit The financial transaction server 300 may, for example, transmit transaction details in the form of a short message service (SMS).

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below I can understand that you can.

Claims

A financial transaction method in which an amount of money is transferred from a first account corresponding to a first terminal to a second account corresponding to a second terminal,

(a) transmitting at least one of the first terminal and the second terminal to a financial transaction server, the first information including at least the amount of money, to a financial transaction server;

(b) transmitting, by the second terminal, the second information corresponding to the fact that the first token 120 separated from the first terminal is connected to the second terminal, to the financial transaction server; And

(c) after the financial transaction server receives the second information, transferring the amount from the first account to the second account according to the first information.
The method of claim 1,

And the first information further comprises an ID of the first terminal and an ID of the first token.
The method of claim 1,

In step (a), the first terminal transmits the first information including the ID of the first terminal, the ID of the second terminal, the ID of the first token and the amount to the financial transaction server. Electronic financial transaction method using a token comprising a step.
The method of claim 3, wherein

The step (c) is an electronic financial transaction method using a token, further comprising receiving the money received from the second terminal before the transfer.
The method of claim 1,

In the step (a), the second terminal transmits the first information including the ID of the first terminal, the ID of the second terminal, the amount to the financial transaction server, the financial transaction server The electronic banking method using the token to transfer the amount information to the first terminal, the confirmation of the amount and the ID of the first token to the financial transaction server.
The method of claim 1,

Wherein step (a) is encrypted, the electronic financial transaction method using a token comprising the customer of the first and second terminals to enter a predetermined code to drive.
The method of claim 1,

The electronic financial transaction method using the token for transmitting the third information corresponding to the second token separated from the second terminal in step (b) connected to the first terminal.
The method of claim 1,

In the step (c), the financial transaction server further comprises transmitting the transaction details to the first and second terminals after the transfer of funds.
The method of claim 1,

In the step (c), if the second terminal refuses to receive the money, the transfer is not made, and the information related to the token connected to the second terminal is separated and connected to the first terminal. Electronic financial transaction method using a token that the server receives.
The method of claim 1,

And the token is electrically connected to token connection terminals of the first and second terminals.
The method of claim 1,

Before performing step (b), the first terminal and the first token are mapped to a database of a financial transaction server, and after performing step (b), the second terminal and the second token are mapped using the token. Electronic financial trading method.
A first terminal corresponding to the first account to which the money is to be transferred;

A second terminal corresponding to a second account to receive the money; And

A financial transaction server; and

The financial transaction server

At least one of the first terminal and the second terminal delivers the first information including at least the amount to the financial transaction server to the financial transaction server, and the first token separated from the first terminal is the first token. After the second terminal transmits the second information corresponding to the second terminal to the financial transaction server, and the financial transaction server receives the second information, the second information is transmitted according to the first information. Electronic financial transaction system using a token comprising transferring from one account to the second account.
The method of claim 12,

And the first information further comprises an ID of the first terminal and an ID of the first token.
The method of claim 12,

The financial transaction server is encrypted, the electronic financial transaction system using a token comprising the customer of the first and second terminals to enter a predetermined code to drive.
The method of claim 12,

The financial transaction server is an electronic financial transaction system using a token comprising receiving third information corresponding to the second token is separated from the second terminal is connected to the first terminal.
The method of claim 12,

The financial transaction server is an electronic financial transaction system using a token comprising transmitting the transaction history to the first and second terminals after the account transfer.
The method of claim 12,

And the token is electrically connected to token connection terminals of the first and second terminals.