WO2017164619A1

WO2017164619A1 - Card transaction system using near-field wireless communication, mobile communication terminal having function of same, and method for same

Info

Publication number: WO2017164619A1
Application number: PCT/KR2017/003023
Authority: WO
Inventors: 이유영; 강다윤
Original assignee: 주식회사 페이엠월드
Priority date: 2016-03-22
Filing date: 2017-03-21
Publication date: 2017-09-28
Also published as: KR20170109815A

Abstract

The present invention relates to application system, device and method utilizing near-field wireless communication and, more specifically, to a card transaction system, which uses near-field wireless communication, comprising: a near-field wireless communication module; a mobile communication terminal for displaying a touch transaction application, which performs a transaction procedure by means of the near-field wireless communication module, and, if the touch transaction application is executed, for reading card information from an IC card by means of the near-field wireless communication module, obtaining at least one transaction-related information item and requesting a transaction to an account of a recipient; and a financial institution server for receiving the transaction-related information from the mobile communication terminal, performing a transaction procedure to the account of the recipient that corresponds to the transaction-related information, and transmitting the transaction result to the mobile communication terminal.

Description

Card remittance system using short range wireless communication, mobile communication terminal having the same function and method

The present invention relates to an application system, an apparatus and a method utilizing Near Field Communication (NFC), and more particularly, to a mobile communication terminal such as a smart phone having a near field communication module (NFC module). The present invention relates to a card remittance system using a short range wireless communication, which can perform a simple and easy remittance of money to a foreign country by using a short range wireless communication module, and a mobile communication terminal having the function and a method thereof.

Recently, mobile communication terminals such as smart phones, smart pads, etc., which can access information on the Internet, search for information on the Internet, make online shopping and purchase, as well as voice telephone communication, are rapidly spreading. As the spread of mobile communication terminals is rapidly increasing, the domestic mobile payment market is also rapidly growing in size.

As a payment method applied to the mobile of the mobile communication terminal, card payment, account transfer, phone banking, and cell phone payment methods that were applied to computer-based payments such as personal computers and laptops are applied as they are.

On the other hand, in an international transaction between an individual or a company, when a remitter abroad pays for the goods, etc. to a recipient's won account in Korea, the remitter pays the local currency to the local bank. Transfered to the bank, the recipient bank converts the received foreign currency into Korean won and deposits it in the recipient's bank account.

In other words, foreign currency enters the country from foreign countries, and the foreign currency is exchanged into the won according to the domestic exchange rate and paid to the recipient.

Conversely, when a remitter in Korea sends money to an account abroad, if the remitter requests remittance through a bank account in Korea, the won in the Korean bank account is in the currency (eg dollars) circulated overseas. The exchanged money is then transferred to the bank account of the recipient bank abroad.

1 to 4 are diagrams for explaining a general mobile-based remittance method.

Referring to Figures 1 to 4, the general mobile-based remittance method is executed by the bank's financial institution application, selecting the overseas bank transfer menu, as shown in Figures 1 to 4 to select or input a variety of information for the international remittance Ask to do

For example, a sender who wants to transfer money abroad must select a won account or a won account + a foreign currency account as a withdrawal account, and input the type of currency (for example, US dollars) and the won withdrawal account number to send money. do. In addition, you must enter the won withdrawal account password and the won withdrawal amount.

In addition, select the division for the relay fee burden, and the English name of the beneficiary, the English address of the beneficiary, the country of the beneficiary bank, the beneficiary account number, the beneficiary bank BIC code, the beneficiary bank English name, the beneficiary bank English address, the beneficiary bank code, various Remittance client information, etc. should be entered or selected.

As described above, in the case of an overseas bank transfer in which money is transferred from a first bank account to a second bank account, there are many items and contents to be input, and a small size smart phone is to be input. There is a problem with considerable inconvenience.

Moreover, in the case of a person who frequently transfers a small amount of money abroad, it is inconvenient to input information of the same item every time, and there is a problem that a considerable inconvenience occurs because it takes a lot of time for a small amount of money transfer.

Accordingly, an object of the present invention is to provide a card using a short-range wireless communication that can be easily and easily carried out abroad using NFC when transferring money abroad from a mobile communication terminal, such as a smart phone equipped with an NFC module and connected to the Internet The present invention provides a remittance system, a mobile communication terminal having the same function, and a method thereof.

In addition, an object of the present invention is easy and convenient by the information obtained from the card (for example, bank card) using NFC when transferring money abroad from a mobile communication terminal such as a smart phone equipped with an NFC module and connected to the Internet The present invention provides a card remittance system using short-range wireless communication that can easily perform overseas remittance, a mobile communication terminal having the same function, and a method thereof.

The card remittance system using the short range wireless communication of the present invention for achieving the above object, including a short range wireless communication module, displays a touch transfer application for performing the transfer procedure using the short range wireless communication module, When the touch remittance application is executed, the mobile communication terminal to read the card information from the IC card through the short-range wireless communication module to obtain at least one transfer related information and to request remittance to the recipient's account, and the remittance related from the mobile communication terminal And a financial institution server for receiving information, performing a remittance procedure to the recipient's account corresponding to the remittance related information, and transmitting the remittance result to the mobile communication terminal.

Preferably, the remittance is characterized in that the remittance abroad is a remittance from the first financial institution server to the second financial institution server.

Preferably, the mobile communication terminal, a display unit for displaying the operating state of the mobile communication terminal and a user interface for selecting information input and function by the user, and in conjunction with the display unit to input information and function selection by the user A short range wireless communication module for wirelessly reading card information from the IC card in a contact or non-contact manner by a touch pad to perform a data communication by connecting a wired / wireless data communication network to the financial institution server. When a data transfer module and a touch remittance application performing a remittance procedure using the short range wireless communication module are executed, the card information is read from the IC card through the short range wireless communication module to obtain at least one remittance related information, thereby obtaining the recipient's account. To request a transfer to It characterized in that it comprises a control unit.

Preferably, the control unit, the information loading module for providing a touch transfer application through the display unit and activating the near field communication module and loading information from the near field IC card through the near field communication module, and the loaded card information A card information extraction module for extracting at least one information necessary for money transfer from the card, a money transfer processing module for transmitting money transfer related information to the financial institution server and requesting money transfer approval, and a money transfer approval notification received in response to the money transfer approval request; And a result processing module for receiving the information and displaying the information on the display unit.

Preferably, the control unit, characterized in that automatically inputting the at least one transfer related information obtained from the IC card to the touch transfer application.

Preferably, the remittance-related information, the type of currency to be remitted, the withdrawal account number in Korean won, the division for the burden of the relay fee, the English name of the payee, the English address of the payee, the country of the beneficiary bank, the beneficiary account number, the beneficiary bank And at least one of a BIC code, a beneficiary bank English name, a beneficiary bank English address, a beneficiary bank code, and remittance client information.

Preferably, the control unit is characterized in that the processing to be automatically input at least one information of the preset recipient according to the execution of the touch transfer application.

In another aspect, the mobile communication terminal having a card remittance function using the short-range wireless communication of the present invention for achieving the above object, the user interface for selecting the operation state of the mobile communication terminal and information input and function by the user An input unit including a display unit to display the touch panel, a touch pad configured to input information and function selection by a user in association with the display unit, and a short range wireless communication module wirelessly reading card information from the IC card in a contact or non-contact manner; And a remote wireless data communication module for accessing a wired / wireless data communication network to a financial institution server to perform data communication, and a touch remittance application for performing a remittance procedure using the short range wireless communication module. Read card information from card And a controller configured to control at least one remittance related information to request remittance to the recipient's account.

In another aspect, the card transfer method using the short-range wireless communication of the present invention, the process of executing a touch transfer application in the mobile communication terminal, and after driving the short-range wireless communication module through the short-range wireless communication module of the card of the IC card A card information loading process of loading information, a process of obtaining at least one remittance related information from the loaded card information, a process of automatically displaying the at least one remittance related information obtained in an input window, and a remittance request And transmitting the at least one remittance related information input according to the input to the financial institution server and requesting the remittance.

Meanwhile, the information for performing the card transfer method using the short range wireless communication may be stored in a recording medium readable by a server computer. Such recording media includes all kinds of recording media on which programs and data are stored so that they can be read by a computer system. Examples include Read Only Memory (ROM), Random Access Memory (RAM), Compact Disk (CD), Digital Video Disk (DVD) -ROM, Magnetic Tape, Floppy Disk, Optical Data Storage, etc. It also includes implementations in the form of (eg, transmission over the Internet). In addition, these recording media can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The present invention reads the information of the card through the NFC module in the mobile communication terminal having an NFC module and inputs it into the overseas bank transfer information input window, and performs the overseas remittance procedure through the mobile communication terminal to simplify the procedure, input information As a result, the time required to perform the remittance process can be reduced.

Accordingly, the present invention can increase the convenience of the user can increase the use rate of the card has the effect of increasing the sales from the card company perspective.

In addition, the present invention can enter the information quickly because the user does not have to enter the card information for payment, and reduce the probability of exposing the card information to the surrounding people, thereby allowing users to use the card in the mobile environment It is possible to perform the transfer through the card has an effect that can improve the card usage.

In addition, the present invention by setting and providing information frequently used through the overseas bank transfer application installed in the mobile communication terminal in the case of frequent remittance of small amount of money to the account in the same overseas, reduce unnecessary input and simplify the transfer procedure By doing so, it is possible to reduce the inconvenience of overseas remittance.

1 to 4 are diagrams for explaining a general mobile-based card transfer method.

5 is a diagram showing the configuration of a card transfer system using short-range wireless communication according to the present invention.

6 is a view showing the structure of a mobile communication terminal for performing a mobile card remittance using short-range wireless communication according to the present invention.

7 is a flowchart illustrating a card transfer method using short-range wireless communication according to the present invention.

8 to 12 are diagrams showing examples of screens displayed when the overseas bank transfer app according to the present invention.

13 is a diagram illustrating a detailed configuration of an electronic device according to an embodiment of the present disclosure.

DETAILED DESCRIPTION OF THE INVENTION The following detailed description of the invention refers to the accompanying drawings that show, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It is to be understood that the various embodiments of the invention are different, but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be embodied in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. Accordingly, the following detailed description is not to be taken in a limiting sense, and the scope of the present invention is defined only by the appended claims, along with the full range of equivalents to which such claims are entitled. Like reference numerals in the drawings refer to the same or similar functions throughout the several aspects.

Hereinafter, a configuration and operation of a card remittance system and apparatus using short-range wireless communication of the present invention will be described with reference to the accompanying drawings, and a card remittance method in the system and the device will be described.

5 is a diagram showing the configuration of a card payment system using short-range wireless communication according to the present invention.

Referring to FIG. 5, the card payment system using short-range wireless communication according to the present invention includes a smartphone 100, a first station financial institution server 210, and a second station financial institution server 220.

The smartphone 100, the first station financial institution server 210, and the second station financial institution server 220 are connected through a communication network 200.

The first station financial institution server 210 may be located in the first station, and the second station financial institution server 220 may be located in the second station. The first and second countries may use different types of currencies (eg, won, dollar, yen, euro, yuan, dirham, etc.).

The communication network 200 is a network including at least one or more of an Internet network including a wide area network (WAN) and a Wi-Fi network, and 3G and 4G mobile communication networks. The communication network 200 may be configured regardless of communication modes such as, for example, wired and wireless communication, and may include a personal area network (PAN), a local area network (LAN), and a metropolitan area network (MAN; It may be configured with various communication networks such as Metropolitan Area Network (WAN), Wide Area Network (WAN). In addition, the communication network 200 may be a well-known World Wide Web (WWW), and may use a wireless transmission technology used for short-range communication such as an infrared data association (IrDA) or Bluetooth. It may be.

The smartphone 100 includes a Near Field Communication (NFC) module and can be connected to the Internet through the communication network 200, and has a phone number, such as a smartphone or an iPad such as an iPhone or a Galaxy. And it may be a terminal such as a smart pad, tablet PC, such as Galaxy Tab.

Such a smart phone 100 provides a user with a money transfer means (for example, a money transfer application or a money transfer app) including a touch money transfer means capable of performing a card money transfer using an NFC module, and by the user through the touch money transfer means. After reading the card information from the IC card 1 without directly inputting the remittance account information, the remittance account information is generated and transmitted to the first station financial institution server 210 through the communication network 200. The IC card 1 may be a cash card, check card, credit card, or the like.

In addition, according to an embodiment of the present invention, when the smart phone 100 reads card information from the IC card 1, the smart phone 100 reads various types of information stored in the IC card 1, and at least one of the read informations. One information can be automatically entered in the remittance information input window. For example, when the remittance application is executed in the smart phone 100 and the card information is read from the IC card 1, at least one information necessary for overseas remittance among the information obtained from the IC card 1 is illustrated in FIG. 11. And it can be automatically entered on the execution screen of the overseas remittance application as illustrated in FIG.

The information required for the overseas remittance may include a type of currency (for example, US dollars) and a won withdrawal account number. In addition, according to an embodiment of the present invention, when the IC card 1 is a card made exclusively for overseas remittance to a specific account, various additional information may be further stored. The additional information includes the classification of the burden of the relay fee, the English name of the beneficiary, the English address of the beneficiary, the beneficiary bank country, the beneficiary account number, the beneficiary bank BIC code, the beneficiary bank English name, the beneficiary bank English address, the beneficiary bank code, and various remittances. Client information may be included. When such additional information is obtained through the IC card 1, the information to be input by the user can be significantly reduced. In addition, the additional information stored in the IC card 1 may be input when the card is manufactured, or may be input through a dedicated terminal for inputting information after distributing the card.

As described above, in the case of an overseas bank transfer in which money is transferred from a first bank account to a second bank account, there are many items and contents to be input. By allowing automatic input through the mobile phone, it is easy to carry out the overseas remittance procedure in a relatively small smartphone.

When sending money overseas via the IC card 1, it is possible to further receive information such as a password from the user on the smartphone 100 for security. In addition, when a transfer request is made through an account stored in the first country financial institution server 210, the first country financial institution server 210 performs authentication by transmitting an OTP (one time password) password to the smartphone 100. It can also be done.

In addition, the smartphone 100 is displayed after the transfer request from the first financial institution server 210 or the second financial institution server 220 when the approval result for the transfer request is displayed to notify the user.

In FIG. 5, the first country financial institution server 210 in which the remitter's account is stored is directly transferred to the second country financial institution server 220 in which the remittee's account is stored. Remittance processing may be performed by a remittance relay system. Further, according to the request or setting of the user, the first country financial institution server 210 or the second country financial institution server 220 converts from the first country currency to the second country currency or from the second country currency to the first country currency. It is possible to transfer to or receive money by switching to the first country, and exchange the first country's currency instead of the second country's currency, and then transfer the foreign currency from the third country's currency to the second country's currency. .

As described above, the method of remitting abroad from the first financial institution server 210 to the second financial institution server 220 may be implemented in various embodiments, and embodiments of the present invention are not limited to a specific method.

6 is a diagram illustrating a structure of a mobile communication terminal (for example, a smartphone) for performing mobile card remittance using short-range wireless communication according to the present invention.

Referring to FIG. 6, the smartphone 100 having a mobile card transfer function using NFC according to the present invention includes a control unit 10, a storage unit 20, a display unit 30, an input unit 40, and an NFC module 50. And a long range wireless communication module 100.

The storage unit 20 stores a program storage area for storing a control program (or "application program") for performing mobile card payment using NFC according to the present invention, and for storing data generated during the execution of the control program. And a temporary area and a data area for storing data generated by a user or a program.

The display unit 30 displays the operation state of the smart phone 100 and various information. In particular, the display unit 30 displays an application execution screen according to the execution of the mobile card transfer application using NFC according to the present invention. In addition, the display unit 30 may display a remittance information input window for inputting various overseas remittance related information according to the execution of the remittance application according to an embodiment of the present invention.

The input unit 40 includes at least one of a keypad and a touch pad having at least one key for selecting information and a function input by a user in cooperation with the display unit 30.

The NFC module 50 loads card information from a card (hereinafter referred to as an "IC card") having an IC chip in a short range or in contact with the NFC antenna ANT1 and outputs the card information to the controller 10 or in a lighting mode. The information input from (10) is recorded on the IC card.

The long range wireless communication module 100 is connected to the communication network 200 to perform data communication with the control unit 10 and the servers connected to the communication network 200, depending on the type of the communication network 200 3G or It may be composed of one or more of the 4G mobile communication module 60 and the Wi-Fi communication module 70.

The controller 10 controls the overall operation related to the mobile card transfer using NFC according to the present invention. Specifically, the control unit 10 uses the card information read through the NFC module, including the touch transfer module 11 for providing a touch payment means according to the present invention through the display unit 40 to perform a touch payment. To perform the overseas remittance process. The touch remittance module 11 provides an input window through which the necessary information for the touch overseas remittance can be input through the display unit 30 when the mobile overseas remittance application is executed and the NFC module 50 is activated after the NFC module 50 is activated. 50) an information loading module 12 for loading information from a short-range IC card, a card information extraction module 13 for extracting only information necessary for overseas remittance from the loaded card information, and the extracted information and the user. Remittance processing module 14 for requesting overseas remittance by transmitting remittance request information including input information or preset information to the first country financial institution server 210 and remittance processing result received in response to the remittance request And a result processing module 15 for receiving the information and displaying it on the display unit 40.

According to an embodiment of the present disclosure, the remittance processing module 14 may automatically input overseas remittance related information extracted by the card information extraction module 13 into a remittance information input window. The remittance information input window may include a password input field for inputting a password including various overseas remittance related information, and configure remittance request information by receiving a password from a user through the password input field.

On the other hand, the respective components of the device are separately shown in the drawings to indicate that they can be functionally and logically separated, and do not necessarily mean that they are physically separate components or implemented in separate code.

In this specification, each functional unit (or module) may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware. For example, each functional unit may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. It can be easily inferred by the average expert in the art.

In addition, the term "database" in this specification may mean a functional structural combination of software and hardware that stores information corresponding to each database. The database includes all data storage media and data structures capable of storing information corresponding to the database.

7 is a flowchart illustrating a card transfer method using short-range wireless communication according to the present invention. A description with reference to FIGS. 5 and 6 is as follows.

The user of the smartphone 100 can be driven by installing a touch remittance application (or “means”) through the smartphone 100 and selecting the icon 510 of the installed touch remittance application as shown in FIG. 8. It may be (S411).

As shown in FIG. 9, an information input window for touch transfer may be displayed on the screen as the touch transfer application is driven. The user can select the remittance type in the information input window. For example, a domestic remittance or an international remittance can be selected, and a foreign currency remittance or a won currency account + a foreign currency remittance can be selected among foreign remittances.

In FIG. 9, if a confirmation is selected, a guide message for contacting a card for overseas remittance may be displayed as shown in FIG. 10. In addition, according to another embodiment of the present invention, when the icon 510 of the touch remittance application is selected in FIG. 8, a prompt message for contacting a card may be displayed as shown in FIG. 10 without the selection process of FIG. 9. In this case, when the card is touched in FIG. 10, the user may enter the selection screen of FIG. 9, or may switch to the information input screen of FIG. 11 immediately after automatically selecting a specific type (eg, an international remittance). That is, according to an exemplary embodiment of the present invention, the user may input and process various complicated information necessary for overseas money transfer at a time by only touching the smart card 100 for the international money transfer after executing the touch money transfer application. .

As described above, when the card for overseas remittance is contacted with the smartphone 100 (S413), the information stored in the overseas remittance card may be read (S415) and automatically input to the information input window of the application.

More specifically, in response to the execution of the touch remittance application, the controller 10 drives the NFC module 50 and displays a message for instructing the card to contact the smartphone as text or an image as shown in FIG. 10.

After the card contact request, the controller 10 checks whether the card is recognized from the NFC module 50. Once the card is recognized, it is possible to read the information sent from the card and determine the type of card. At this time, when the card information is input from the NFC module 50, the control unit 10 extracts the information required for the actual overseas remittance according to the card type from the input card information. For example, if the card is a cash card or a check card, the bank name, card number (or account number), expiration date, member name, and the like can be extracted.

Optionally, the user inputs additional information (eg, money transfer amount, password, etc.) necessary for overseas remittance through the information input window (S417) and transmits the remittance information input to the first country financial institution server 210 (S419). can do.

According to various embodiments of the present disclosure, when the remitter frequently remittances to the same payee overseas, a frequently used account may be set to be automatically input as shown in FIG. 12 to simplify the input procedure. For example, the user may directly input or edit a frequently used account, or register an already sent account as a frequently used account. Accordingly, the remitter shall select the information related to the payee (e.g., the division of the payment fee) at each remittance, the English name of the payee, the English address of the payee, the country of the beneficiary bank, the beneficiary account number, the beneficiary bank BIC code, The English name of the bank, the English address of the beneficiary bank, the beneficiary bank code, and various types of remittance client information may be automatically entered.

In addition, according to various embodiments of the present disclosure, when additional authentication is required for the overseas remittance, for example, the first country financial institution server 210 transmits one time password (OTP) information to the smartphone 100 (S421). can do.

In the remittance information input window of the smart phone 100, remittance related information extracted from the card may be automatically input into the corresponding data field. As such, the user may generate a remittance information input window through a single card reading and automatically input remittance related information in the generated input window. In this way, the user does not need a separate input operation for inputting the remittance information, and it is possible to omit the step of inputting the information on the recipient.

When additional authentication is required for the overseas remittance, for example, the first country financial institution server 210 may transmit an OTP (one time password) to the smartphone 100 (S421).

When receiving the OTP from the first station financial institution server 210, the received OTP information is input to the information input window. In this case, when the OTP information is received in the form of a push message, the received OTP information may be automatically input into a corresponding field of the information input window.

After displaying the card information, the controller 10 checks whether a money transfer request button such as a confirmation button is pressed to generate a money transfer approval request (S631).

When the remittance approval request is generated, the controller 10 checks whether a password is input by checking a password input field, and if not, flashes the password input field, displays a message, or activates a password input numeric key button. Ask to enter.

After the password is input, when the request for remittance approval is generated, the control unit 10 displays the remittance request details confirmation screen, and when the check is selected, the first station financial institution server 210 transmits the selected remittance related information through the long range wireless communication module 80. Transmit (S425).

The first country financial institution server 210 performs a procedure such as currency exchange, if necessary, and then transfers the payment to the corresponding recipient account of the second country financial institution server 220 (S427). The second country financial institution server 220 may receive the money transfer from the first country financial institution server 210 and then transmit the result to the first country financial institution server 210 or the remitter's smartphone 100 (S429). , S431).

After transmitting the remittance request information, the control unit 10 checks whether the remittance completion information is received from the first station financial institution server 210 or the second station financial institution server 220, and when the remittance completion information is received, the display unit ( 30) (S433).

At least one of the operations illustrated in FIG. 7 may be omitted, and at least one other operation may be added between the operations. In addition, the operations of FIG. 7 may be processed in the order shown, and the execution order of at least one operation may be changed from the execution order of other operations. In addition, the operations illustrated in FIG. 7 may be performed in an electronic device or may be performed in a server. In addition, at least one of the operations illustrated in FIG. 7 may be performed in the electronic device, and the remaining operations may be implemented in the server.

On the other hand, the method according to an embodiment of the present invention can be implemented in the form of program instructions that can be executed by various computer means may be recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

In the above, the system, apparatus and method according to an embodiment of the present invention has been described in detail. In the above-described embodiment of the present invention, a smartphone has been described as an example, but the same may be applied to any electronic device. Hereinafter, an implementation example of various electronic devices that can be modified including a smart phone according to an embodiment of the present disclosure will be described.

An electronic device according to various embodiments of the present disclosure may include, for example, a smartphone, a tablet personal computer, a mobile phone, a video phone, an e-book reader, and a desktop. Desktop personal computer (PC), laptop personal computer (PC), netbook computer, workstation, server, personal digital assistant (PDA), portable multimedia player (PMP), MP3 player, mobile medical device , Cameras, or wearable devices (e.g. smart glasses, head-mounted-device (HMD), electronic clothing, electronic bracelets, electronic necklaces, electronic accessories, It may include at least one of an electronic tattoo, a smart mirror, or a smart watch.

13 is a diagram illustrating a detailed configuration of an electronic device (user terminal) according to an embodiment of the present disclosure. Referring to FIG. 13, the electronic device 1000 may include at least one of a processor 1010, a memory 1020, a bus 1030, an input / output interface 1040, a display 1050, and a communication interface 1060. Can be. According to an embodiment of the present disclosure, the electronic apparatus 1000 may omit at least one of the above components or additionally include other components.

The bus 1030 may include, for example, circuits that connect the components 1010 to 1060 to each other and transmit communication (eg, control messages and / or data) between the components. .

The processor 1010 may include one or more of a central processing unit (CPU), an application processor (AP), or a communication processor (CP). The processor 1010 may execute, for example, an operation or data processing related to control and / or communication of at least one other component of the electronic device 101.

The memory 1020 may include a volatile and / or nonvolatile memory. The memory 1020 may store, for example, commands or data related to at least one other element of the electronic device 1000. According to an embodiment of the present disclosure, the memory 1020 may store software and / or a program. The program includes, for example, a kernel 1024, middleware 1023, an application programming interface (API) 1022, and / or an application program (or “application”) 1021, or the like. can do. At least a portion of the kernel 1024, middleware 1023, or API 1022 may be referred to as an operating system (OS).

The kernel 1024 may be, for example, system resources used to execute operations or functions implemented in other programs (eg, middleware 1023, API 1022, or application program 1021). For example, the bus 1030, the processor 1010, or the memory 1020 may be controlled or managed. In addition, the kernel 1024 may control or manage system resources by accessing individual components of the electronic apparatus 1000 from the middleware 1023, the API 1022, or the application program 1021. Can provide an interface.

The middleware 1023 may serve as an intermediary for allowing the API 1022 or the application program 1021 to communicate with the kernel 1024 to exchange data. Also, the middleware 1023 may be connected to at least one application of the application program 1021 in response to the work requests received from the application program 1021. For example, assigning a priority to use the bus 1030, the processor 1010, or the memory 1020, or the like, to control work requests (e.g., scheduling or load balancing). Can be.

The API 1022 is, for example, an interface for the application 1021 to control a function provided by the kernel 1024 or the middleware 1023. For example, file control, window control, and image. It may include at least one interface or function (eg, a command) for processing or character control.

The input / output interface 1040 may serve as, for example, an interface capable of transferring a command or data input from a user or another external device to other component (s) of the electronic device 1000. Also, the input / output interface 1040 may output a command or data received from other component (s) of the electronic device 1000 to a user or another external device.

The display 1050 may be, for example, a liquid crystal display (LCD), a light emitting diode (LED) display, an organic light emitting diode (OLED) display, or a microelectromechanical systems (MEMS) display, or an electronic paper ( electronic paper) display. The display 1050 may display various contents (for example, text, an image, a video, an icon, a symbol, etc.) to the user. The display 1050 may include a touch screen. For example, the display 1050 may receive a touch, gesture, proximity, or hovering input using an electronic pen or a part of a user's body.

The communication interface 1060 may establish communication between the electronic device 1000 and an external device, for example. For example, the communication interface 1060 may be connected to the communication network 230 through wireless or wired communication to communicate with the external device (eg, the management server 140).

For example, the wireless communication may use, for example, at least one of LTE, LTE-A, CDMA, WCDMA, UMTS, WiBro, or GSM as a cellular communication protocol. The wired communication may include, for example, at least one of a universal serial bus (USB), a high definition multimedia interface (HDMI), a reduced standard 232 (RS-232), a plain old telephone service (POTS), and the like. . The telecommunications network may include, for example, at least one of a computer network (eg, LAN or WAN), the Internet, or a telephone network.

The present invention has been described above with the aim of method steps indicative of the performance of certain functions and their relationships. The boundaries and order of these functional components and method steps have been arbitrarily defined herein for convenience of description. Alternative boundaries and orders may be defined so long as the specific functions and relationships are properly performed. Any such alternative boundaries and orders are therefore within the scope and spirit of the claimed invention. In addition, the boundaries of these functional components have been arbitrarily defined for ease of explanation. Alternative boundaries may be defined so long as any important functions are performed properly. Likewise, flowchart blocks may also be arbitrarily defined herein to represent any important functionality. For extended use, the flowchart block boundaries and order may have been defined and still perform some important function. Alternative definitions of both functional components and flowchart blocks and sequences are therefore within the scope and spirit of the claimed invention.

The invention may also be described, at least in part, in terms of one or more embodiments. Embodiments of the invention are used herein to illustrate the invention, aspects thereof, features thereof, concepts thereof, and / or examples thereof. Physical embodiments of apparatus, articles of manufacture, machines, and / or processes embodying the present invention may be described in terms of one or more aspects, features, concepts, examples, etc. described with reference to one or more embodiments described herein. It may include. Moreover, in the entire drawing, embodiments may incorporate the same or similarly named functions, steps, modules, etc. that may use the same or different reference numbers, and as such, the functions, The steps, modules, etc. may be the same or similar functions, steps, modules, etc. or others.

In the present invention as described above has been described by the specific embodiments, such as specific components and limited embodiments and drawings, but this is only provided to help a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from these descriptions.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and all of the equivalents and equivalents of the claims as well as the claims to be described later belong to the scope of the present invention. .

[Description of the code]

1: card 10: control unit

11: touch transfer module 12: information loading module

13: card information extraction module 14: remittance processing module

15: result processing module 20: storage unit

30: display unit 40: input unit

50: NFC module 60: mobile communication module

70: wifi communication module 80: long range wireless communication module

100: smartphone 200: communication network

210: first country financial institution server 220: second country financial institution server

Claims

In the card transfer system using short-range wireless communication,

A short distance wireless communication module, displaying a touch remittance application for performing a remittance procedure using the short distance wireless communication module, and reading the card information from an IC card through the short distance wireless communication module when the touch remittance application is executed; A mobile communication terminal for obtaining a single remittance related information and requesting remittance to a recipient's account;

A short-range wireless device including a financial institution server that receives the remittance related information from the mobile communication terminal, performs a remittance procedure to the recipient's account corresponding to the remittance related information, and transmits a remittance result to the mobile communication terminal; Card transfer system using communication.
The method of claim 1,

The remittance is a card remittance system using short-range wireless communication, characterized in that the overseas remittance transfer from the first financial institution server to the second financial institution server.
The method of claim 1, wherein the mobile communication terminal,

A display unit for displaying an operating state of a mobile communication terminal and a user interface for selecting information input and function by a user;

An input unit including a touch pad for performing information input and function selection by a user in association with the display unit;

A short range wireless communication module for wirelessly reading card information from the IC card in a contact or non-contact manner;

A long range wireless data communication module for performing data communication by connecting a wired or wireless data communication network to the financial institution server;

When a touch remittance application that performs a remittance procedure using the short range wireless communication module is executed, the card information is read from the IC card through the short range wireless communication module to obtain at least one remittance related information, and to request remittance to the account of the recipient. Card transfer system using a short-range wireless communication comprising a control unit for controlling.
The method of claim 3,

The control unit,

An information loading module for providing a touch remittance application through the display unit and activating the near field communication module and loading information from the near field IC card through the near field communication module;

A card information extraction module for extracting at least one information necessary for remittance from the loaded card information;

A remittance processing module for transmitting remittance related information to the financial institution server and requesting remittance approval;

And a result processing module for receiving the remittance approval notification information received in response to the remittance approval request and displaying the remittance approval notification information on the display unit.
The method of claim 3, wherein the control unit,

Card transfer system using short-range wireless communication, characterized in that for automatically inputting at least one transfer related information obtained from the IC card to the touch transfer application.
According to claim 5, The remittance related information,

Type of currency to be remitted, KRW withdrawal account number, classification of relay fee burden, English name of beneficiary, English address of beneficiary country, beneficiary bank country, beneficiary account number, beneficiary bank BIC code, beneficiary bank English name, beneficiary bank English Card remittance system using short-range wireless communication comprising at least one of an address, a beneficiary bank code, and remittance client information.
The method of claim 3, wherein the control unit,

A card remittance system using short-range wireless communication, characterized in that the processing to be automatically input at least one information of a predetermined recipient according to the execution of the touch transfer application.
In a mobile communication terminal having a money transfer function using a short range wireless communication,

A display unit for displaying an operating state of a mobile communication terminal and a user interface for selecting information input and function by a user;

An input unit including a touch pad for performing information input and function selection by a user in association with the display unit;

A short range wireless communication module for wirelessly reading card information from the IC card in a contact or non-contact manner;

Long range wireless data communication module for performing data communication by connecting a wired or wireless data communication network to a financial institution server;

When a touch remittance application that performs a remittance procedure using the short range wireless communication module is executed, the card information is read from the IC card through the short range wireless communication module to obtain at least one remittance related information, and to request remittance to the payee's account. A mobile communication terminal having a remittance function using short-range wireless communication comprising a control unit for controlling.
The method of claim 8,

The control unit,

An information loading module for providing a touch remittance application through the display unit and activating the near field communication module and loading information from the near field IC card through the near field communication module;

A card information extraction module for extracting at least one information necessary for remittance from the loaded card information;

A remittance processing module for transmitting remittance related information to the financial institution server and requesting remittance approval;

And a result processing module for receiving the remittance approval notification information received in response to the remittance approval request and displaying the remittance approval notification information on the display unit.
The method of claim 8, wherein the control unit,

And a remittance function using short-range wireless communication, which automatically inputs at least one remittance related information obtained from the IC card to the touch remittance application.
The method of claim 10, wherein the transfer related information,

Type of currency to be remitted, KRW withdrawal account number, classification of relay fee burden, English name of beneficiary, English address of beneficiary country, beneficiary bank country, beneficiary account number, beneficiary bank BIC code, beneficiary bank English name, beneficiary bank English A mobile communication terminal having a remittance function using short-range wireless communication, comprising at least one of an address, a recipient bank code, and remittance client information.
The method of claim 8, wherein the control unit,

And a remittance function using short-range wireless communication, wherein at least one information of a predetermined payee is automatically input according to the execution of the touch remittance application.
In the remittance method using short-range wireless communication,

Running a touch transfer application on the mobile communication terminal;

A card information loading process of loading card information of an IC card through the short range wireless communication module after driving the short range wireless communication module;

Obtaining at least one remittance related information from the loaded card information;

Automatically displaying the obtained at least one remittance related information in an input window;

And transmitting the at least one remittance related information input according to the remittance request input to the financial institution server and requesting remittance.
The method of claim 13,

The remittance is a remittance method using short-range wireless communication, characterized in that the overseas remittance transfer from the first financial institution server to the second financial institution server.
The method of claim 13, wherein the remittance related information,

Type of currency to be remitted, KRW withdrawal account number, classification of relay fee burden, English name of beneficiary, English address of beneficiary country, beneficiary bank country, beneficiary account number, beneficiary bank BIC code, beneficiary bank English name, beneficiary bank English Remittance method using short-range wireless communication comprising at least one of the address, the beneficiary bank code, remittance client information.