JP2004005421A - Integrated financial transaction management system and its management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an integrated financial transaction management system and its management method providing an integrated financial transaction service such as deposit and withdrawal, account transfer, cashing service and public due payment from a multiplicity of financial institutions by using one IC chip registered with a multiplicity of pieces of financial institution account information, customer information, public due payer number or the like. <P>SOLUTION: The integrated financial transaction management system is provided with the IC chip built inside or externally attached to a card, a mobile communication terminal machine or the like and registered with the multiplicity of pieces of financial institution account information having dealings with a customer, card company information, public due payer number or the like to carry out various financial transactions, a teller terminal machine relaying financial transactions between the IC chip and the financial institutions such as deposit and withdrawal, account transfer, and cashing service via a data interface and registering new account information and a passbook entry breakdown, an automated apparatus, and an IC management system managing them. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an integrated financial transaction management system and a method of managing the same, and more specifically, a customer transacts on an IC chip (Integrated Circuit Chip) mounted on a smart card or a mobile communication terminal. The present invention relates to an integrated financial transaction management system and a management method thereof, in which a large number of financial institution account information is registered to enable transactions with a large number of financial institutions using an automated device or various types of terminals capable of interfacing.
[0002]
[Prior art]
Generally, transactions between a customer and a financial institution are performed by the customer using a passbook or a cash card issued by each financial institution, using a bank counter or an automated device, etc. at a corresponding transaction account of the relevant financial institution, fund transfer, cashing. It has simple procedures for services, transaction breakdown posting, etc.
[0003]
At this time, the passbook and the cash card issued by each financial institution are used by recording customer's financial information in an MS (Magnetic Stripe) track on the back side of the passbook and the cash card. It receives transaction services such as deposit / withdrawal, credit / direct payment purchase / payment, and cashing service using a large number of MS passbooks or cards issued for each account of a financial institution.
[0004]
Such a passbook and card MS truck has a low manufacturing cost and a small burden of issuing the passbook and card, but has a very small amount of data that can be stored.
For this reason, the customer must store and carry a large number of passbooks and cards issued by each financial institution, which is inconvenient to use and has a high risk of loss. In addition, when the wallet is lost, there is a problem in that it is necessary to declare each card and other financial institution that issued the passbook one by one.
[0005]
In order to solve this problem, each financial institution constructs a network between financial institutions or between a financial institution and a customer by making full use of network technology such as electronic communication technology and the Internet, and establishes a financial cooperative network. Services, and a Farm / Home Banking service using a PC or a telephone.
[0006]
In another case, in the process of issuing a card with a transaction account by each financial institution, an affiliated card integrating services provided by other transaction accounts, credit card companies and affiliated institutions such as the second financial area, etc. on one card Issue.
[0007]
However, such a firm / home banking service utilizing network technology also requires a customer to receive financial services such as deposit / withdrawal, account transfer, cashing service, etc. from the corresponding transaction account after connecting to the host of the transaction financial institution. However, the process is complicated, and there is an inconvenience that all account numbers of the corresponding transaction account must be stored.
[0008]
Also, affiliated cards provided by each financial institution can receive many accounts or financial services provided by credit card companies and the second financial area with one card, but this is optional at the financial institution issuing the card. The customer will register and issue other accounts in the same financial institution and the credit card number of the affiliated credit card company.
[0009]
Therefore, in order to use a transaction account of another financial institution that is not registered on the partner card, the customer must still store the account number of the relevant financial institution or keep and keep the issued card or passbook. Therefore, there is a problem that the use is inconvenient and the possibility of loss is high.
[0010]
[Problems to be solved by the invention]
Therefore, an object of the present invention is to use a single IC chip in which a large number of financial institution account information, customer information, a public billing payer number, and the like are registered, to receive and withdraw money from a large number of financial institutions, account transfer, cashing service, It is an object of the present invention to provide an integrated financial transaction management system and a management method for receiving an integrated financial transaction service such as payment of a public fee.
[0011]
Another object of the present invention is to provide a card and an IC chip mounted on a mobile communication terminal with a financial account number and payment required by a customer among a large number of financial institution account information and a public billing payer number. It is an object of the present invention to provide an integrated financial transaction management system and a management method for directly registering and using a user number.
[0012]
Still another object of the present invention is to replace the issuance of a physical passbook and card with an MS track on which customer information and account information are recorded by utilizing an IC chip having a relatively large memory capacity. An object of the present invention is to provide an integrated financial transaction management system and a management method thereof.
[0013]
[Means for Solving the Problems]
In order to achieve the above object, the integrated financial transaction management system according to the present invention is built in or external to a card and a mobile communication terminal, etc., and has a large number of financial institution account information, card company information and An IC chip that performs various financial transactions after receiving registration of a public charge payer number and the like, and relays financial transactions such as depositing / withdrawing, account transfer, and cashing service between the IC chip and a financial institution via a data interface. A contact terminal and an automatic device for registering new account information and a passbook entry in the IC chip, and a passbook of a financial account registered in the IC chip via a data interface between the IC chip and a financial institution. An electronic passbook organizer for recording and displaying the contents of the bookkeeping book, and printing the displayed contents of the bookbook with a printer; Automatic billing and billing storage automation device acting as a proxy for billing and billing via a data interface using an internal network and a financial cooperative network, and card company information or direct payment account information registered in the IC chip A merchant terminal that performs credit / direct payment purchase and settlement, and an external terminal such as the counter terminal and the automation device, an electronic passbook organizer, and a public billing storage automation device via an internal network; Issues a financial institution host that controls financial transactions by a number of financial institution accounts registered in the smart card and an IC chip built in or external to the smart card and the mobile communication terminal, and is registered in the issued IC chip. Equipped with an IC chip management system that manages a large number of financial institution account information, card company information, and payer payer number. .
[0014]
In order to achieve the above object, an integrated financial transaction management method according to the present invention provides an IC chip management system that issues an IC chip in which account information of a financial institution built in or external to a card and a mobile communication terminal is registered. Registering a large number of financial institution account information, card company information, and public billing payer number, etc., with which the customer is dealing with the issued IC chip by using the window terminal and the automated device; Using external terminals such as terminals and automation equipment, electronic passbook organizers, and public charge storage automation equipment, using a large number of financial institution account information, card company information, and public charge payer number registered in the IC chip, Performing a financial transaction according to the situation adjusted by the customer; and, when the financial transaction is completed, disabling the counter terminal and an automatic device, an electronic passbook organizer, and a public-charge storage automatic device. Displaying the changed financial institution account information of the customer on the lay unit and transmitting the changed financial institution account information to the IC chip; and when the changed account information is transmitted, the IC chip changes the financial institution account information. Storing the IC data.
[0015]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 is an overall configuration diagram of the integrated financial transaction management system according to the present invention.
[0016]
First, in adding reference numerals to components in each drawing, the same reference numerals are assigned to the same components as much as possible even if they are displayed on other drawings.
[0017]
As shown in FIG. 1, the integrated financial transaction management system according to the present invention includes an IC chip 10 built in or external to the card 20 and the mobile communication terminal 30 and the like, and a communication between the IC chip 10 and the financial institution 200. Window terminal 40 and automation device 60 that relay financial transactions, electronic passbook organizer 50 that displays and outputs the contents of passbook entries changed by financial transactions, and public billing between IC chip 10 and Financial Settlement Center 500. A public billing storage automation device 70 that performs storage, a member store terminal 80 that performs credit / direct payment purchase settlement using the IC chip 10, a financial institution host 220 that controls financial transactions by a financial institution account, and an IC chip And an IC chip management system 230 for managing ten registered items.
[0018]
Further, the integrated financial transaction management system is connected to a personal computer or the like so that financial transactions such as account transfer, cashing service, and electronic money filling can be performed between the IC chip 10 and the financial institution 200 via the Internet network 120. Further, an IC chip read / writer 90 is provided.
[0019]
The IC chip reader / writer 90 is connected to a customer's PC or another terminal capable of performing financial transactions using the Internet, and queries customer data registered in the IC chip 10 and performs financial transactions using the same. Enable.
[0020]
The IC chip 10 is issued from a specific financial institution dealing with a customer, and is manufactured so as to be built in or externally attached to the smart card 20 or a mobile communication terminal 30 such as a mobile phone or a PDA.
[0021]
At this time, since the IC chip 10 has storage means having a relatively large data capacity, it can store a plurality of accounts of a specific financial institution with which a customer transacts, and can store other financial institutions such as a bank, a card, and the like. It is also possible to store account information of companies, investment trust companies, securities companies, etc., and it is possible to store transactions with a plurality of accounts of a plurality of financial institutions and a breakdown of the transactions using one IC chip.
[0022]
Therefore, the customer can carry the bankbooks and cards of a large number of financial institutions without carrying the smart card 20 or the mobile communication terminal 30 in which one IC chip 10 is built-in or externally. Financial transactions such as depositing / withdrawing, account transfer, cashing service, transaction breakdown inquiry and storage, etc., can be performed using an automated device 60 such as a CD machine or an ATM machine and a counter terminal 40 of a branch office.
[0023]
In addition, the IC chip 10 stores not only a large number of financial institution account information that the customer is dealing with, but also customer information, card company information, public billing payer number, etc., and health insurance necessary for the life of the customer. In addition, additional service functions that can use life services such as a transportation card and a small amount card can be recorded.
[0024]
The IC chip 10 is built in a credit card such as a smart card 20, and is connected to an external terminal such as a counter terminal 40 and an automation device 60, an electronic passbook arrangement device 50, a public billing storage automation device 70, and a member store terminal 80. A contact-type IC chip for performing a data interface by a contact method, and a built-in or external device in a mobile communication terminal 30 such as a mobile phone or a PDA, or a built-in credit card, and an external terminal and an RF (Radio Frequency) or infrared (infrared). ) It is classified into a non-contact type IC chip which performs data interface by communication.
[0025]
FIG. 2 is an internal configuration diagram of the IC chip of FIG. 1, a counter terminal and an automation device.
[0026]
As shown in FIG. 2, the IC chip 10 includes an account information storage unit 11 for storing account information converted into IC data and financial institution account information for a financial transaction, and a micro-processor for processing and controlling data in the IC chip. A processor section 12, a chip operation system 13 for managing all application programs in the IC chip 10, an interface section 14 for performing a data interface with an external terminal, and an RF for performing a data interface by RF communication with the external terminal And a communication unit 15.
[0027]
The account information storage unit 11 stores the data of the MS track of the actual passbook and the card converted into the IC type via the microprocessor unit 12 and the account information transmitted from the financial institution host 220, which will be described later. It stores the details of passbook entries and financial information stored in financial transactions of a large number of financial accounts.
[0028]
The microprocessor unit 12 converts data of a plurality of physical passbooks and MS (Magnetic Stripe) tracks of a plurality of physical passbooks and cards transmitted from a counter terminal 40 such as a CD machine or an ATM machine and an automation device 60 into an IC type and accounts. Control is performed so as to be stored in the information storage unit 11.
[0029]
The interface unit 14 is in contact with or non-contact with an external terminal such as a counter terminal 40 and an automation device 60, an electronic passbook arrangement device 50, a public billing storage automation device 70, a member store terminal 80, an IC chip read / writer 90, and the like. Perform data interface by the method.
[0030]
The RF communication unit 15 is a non-contact type using RF communication with an external terminal such as a counter terminal 40 and an automation device 60, an electronic passbook arrangement device 50, a public billing storage automation device 70, and a member store terminal 80. To perform data interface.
[0031]
On the other hand, as shown in FIG. 1 and FIG. 2, the office counter terminal 40 and the automation device 60 are used for depositing and withdrawing, account transfer, cashing service, etc. between the IC chip 10 and the financial institution 200 through a data interface. The financial transaction is relayed, and account information of a new or another financial institution and details of a passbook are registered in the IC chip 10.
[0032]
As shown in FIG. 2, the contact terminal 40 and the automation device 60 include an IC input / output unit 41, an infrared transmitting / receiving unit 42, an MS reader unit 43, a display unit 44, a main control unit 45, an MS account information storage unit 46, The system includes an electronic passbook processing unit 47, a deposit / withdrawal transaction unit 48, an integrated account financial processing unit 49, an internal network interface unit 61, and an Internet interface unit 62.
[0033]
The IC input / output unit 41 and the infrared transmission / reception unit 42 obtain customer information and financial institution account information of the IC data type stored in the IC chip 10 and provide the acquired information to the main control unit 45. The change items of the financial account, which are executed and whose transaction details are changed, are transmitted to the IC chip 10.
[0034]
The MS reader unit 43 obtains customer information and account information stored in MS tracks of physical passbooks and cards issued from a number of financial institutions, and obtains customer information and MS information of the acquired physical passbooks and cards. The account information is stored in the MS account storage unit 46.
[0035]
The MS account storage unit 46 transfers the stored customer information and account information of the MS truck to the IC chip 10 connected to the IC input / output unit 41 and the infrared transmitting / receiving unit 42 in a contact or non-contact manner.
[0036]
The electronic passbook processing unit 47 is controlled to store, query, and print the contents of the passbook book of the financial transaction of each account stored in the IC chip 10 obtained from the IC input / output unit 41 and the infrared transmitting / receiving unit 42. I do.
[0037]
The deposit / withdrawal transaction unit 48 performs financial transactions such as deposit / withdrawal, account transfer, and cashing service of a transaction account obtained from the IC input / output unit 41, the infrared transmitting / receiving unit 42, and the MS reader unit 43.
[0038]
The internal network interface unit 61 connects to an internal network (LAN) 100 of the financial institution for interfacing with the financial institution in each financial transaction.
[0039]
The main control unit 45 controls the entire operation process required for each component to perform a financial transaction using the IC chip 10 and the operation required according to the situation adjusted by the customer. All the financial transaction processes and the MS information transfer process as described above are displayed on the display unit 44.
[0040]
FIG. 3 is an internal configuration diagram of the electronic passbook organizer of FIG.
[0041]
Referring to FIGS. 1 and 3, the electronic passbook organizer 50 records and records a passbook entry of a financial account registered in the IC chip 10 through a data interface between the IC chip 10 and a financial institution 200. It is displayed, and the contents of the displayed passbook book are printed by the printer unit 56.
[0042]
As shown in FIG. 3, the electronic passbook organizer 50 includes an IC input / output unit 51, an infrared transmitting / receiving unit 52, an MS reader unit 53, a display unit 54, an electronic passbook control unit 55, a printer unit 56, and an internal network interface unit 57. And an Internet interface unit 58.
[0043]
The IC input / output unit 51 and the infrared transmission / reception unit 52 obtain customer information and financial institution account information of the IC data type stored in the IC chip 10 and provide them to the electronic bankbook control unit 55, and provide the relevant financial information according to the customer's selection. The account fluctuation items are transmitted to the IC chip 10.
[0044]
The MS reader unit 53 obtains customer information and account information stored in MS tracks of physical passbooks and cards issued from a number of financial institutions, and acquires customer information and MS information of the acquired physical passbooks and cards. The account information is transmitted to the electronic passbook control unit 55.
[0045]
The internal network interface unit 57 is connected to the internal network 100 of the financial institution for interfacing with the financial institution 200 necessary for inquiring the details of the passbook book of each account registered in the IC chip 10.
[0046]
Further, the electronic passbook control unit 55 is provided with various components for storing, inquiring, and printing the financial transaction of each account stored in the IC chip 10 and the details of the passbook entry of the financial account acquired via the MS reader unit 53. And the necessary operation according to the situation adjusted by the customer.
[0047]
The details of the passbook entry due to the financial transaction of each account as described above are displayed on the display unit 54, and the displayed contents of the passbook entry are printed by the printer unit 56.
[0048]
At this time, external terminals such as the counter terminal 40, the automation device 60, and the electronic passbook arrangement device 50 further include Internet interface units 58 and 62 for connecting to the Internet in order to perform financial services on the Internet.
[0049]
On the other hand, FIG. 4 is an internal configuration diagram of the public charge storage automation device of FIG.
[0050]
Referring to FIGS. 1 and 4, the public billing storage automation device 70 is connected to a GIRO user (not shown) through a data interface using a financial cooperative network 130 between the IC chip 10 and the financial clearing house 500. Stores the given public charges.
[0051]
At this time, the billing storage automation device 70 is a billing storage automation device obtained by further adding functions to the automation device 60 such as a general CD machine and an ATM machine, or is simply not coupled to the automation device 60. This is an automated device having a separate terminal form that performs only the public charging storage function. If the billing storage automation device is connected to the automation device 60 such as a general CD machine and an ATM machine, the remaining financial transactions except for the billing storage function are the same as the automation device 60. It is.
[0052]
As shown in FIG. 4, the billing storage automation device 70 includes an IC input / output unit 71, an infrared transmitting / receiving unit 72, an MS reader unit 73, a display unit 74, a billing storage control unit 75, and a network interface unit 76.
[0053]
The IC input / output unit 71 and the infrared transmission / reception unit 72 obtain the public charge payer number stored in the IC chip 10 and provide the same to the public charge storage control unit 75. At this time, in order to initially register the public charge payer number in the IC chip 10, a customer inputs a public charge payer number written on a GIRO sheet to the automation device 60 or the public charge storage automation device 70. Is required, and the input public billing payer number is stored in the IC chip 10.
[0054]
The customer selects a GIRO user institution who wants to settle out of the details displayed on the display unit 74, and requests the financial settlement institution 500 via the network interface unit 76 for a public charge payment transaction.
[0055]
The network interface unit 76 is connected to the Financial Settlement Center 500 via the financial cooperative network 130, and receives a public charge payment breakdown to be paid by the customer registered in the IC chip 10 provided by the GIRO user.
[0056]
The MS reader unit 73 obtains the information stored in the MS track of the customer's credit card, direct payment card, and cash card necessary for the public bill settlement based on the customer's public bill payment details provided by the Financial Settlement Service 500. I do.
[0057]
The display unit 74 displays the details of the customer's public charge payment provided by the Financial Settlement Service 500, while also displaying the public charge payer number and the GIRO user institution acquired from the IC chip 10 and the entirety required for storing the public charge. Display the operation process.
[0058]
The public charging storage control unit 75 stores the public charging payer number and the GIRO user institution in the smart card 20 presented to the customer and the IC chip 10 built in or external to the mobile communication terminal 30 by the IC input / output unit 71 and Obtained via the infrared transmitting / receiving unit 72 and displayed on the display unit 74.
[0059]
Further, the public charge storage control unit 75 controls the entire operation process necessary for each component for paying the public charge of the customer, and controls the necessary operation according to the situation adjusted by the customer. Then, based on the MS track information of the customer's credit, cash or direct payment card obtained through the MS reader unit 73, a public charge payment process is performed by a method such as credit, cash or direct payment, and a fund transfer method. Complete.
[0060]
FIG. 5 is an internal configuration diagram of the member store terminal of FIG.
[0061]
Referring to FIG. 1 and FIG. 5, the member store terminal 80 is provided at a card company registered in the IC chip 10 or a member store capable of performing credit / direct payment purchase through direct payment account information. Terminal.
[0062]
As shown in FIG. 5, the member store terminal 80 includes an IC input / output unit 81 and an infrared transmitting / receiving unit 82 that can read / write the IC chip 10.
[0063]
The merchant terminal 80 transmits card company information or direct payment account information registered in the smart card 20 presented by the customer and the IC chip 10 built in or external to the mobile communication terminal 30 to the IC input / output. It is obtained via the unit 81 and the infrared transmitting / receiving unit 82 and displayed on the display unit 83.
[0064]
The customer selects the card company or the direct payment account information desired to be settled from the details displayed on the display unit 83, and requests purchase approval from the financial institution 200 and the server 300 of the credit card company via the VAN network 110. I do.
[0065]
In addition, the member store settlement control unit 84 of the member store terminal 80 performs the entire operation necessary for each component so that credit / direct payment purchase can be performed via the card company or direct payment account information registered in the IC chip 10. Control the process and control the necessary actions according to the situation adjusted by the customer.
[0066]
As shown in FIG. 1, the financial institution 200 uses the IC chip 10, a physical passbook, a card, and the like to perform a financial transaction through an external terminal such as a teller terminal 40, an automated device 60, and an electronic passbook organizer 50. During the operation, an authentication center 240 for issuing, storing and managing certificates, a financial institution host 220 for controlling financial transactions by a large number of financial institution accounts registered in the IC chip 10, and an issuance of the IC chip 10 And an IC chip management system 230 for managing the changed registration items.
[0067]
The financial institution host 220 is connected via the internal network 100 to an external terminal such as the teller terminal 40, an automated device 60 such as a CD machine or an ATM machine, and an electronic passbook organizer 50, and registered in the IC chip 10. Control financial transactions by numerous financial institution accounts.
[0068]
The IC chip management system 230 issues an IC chip 10 built in or external to the smart card 20 and the mobile communication terminal 30, and outputs a large number of financial institution account information registered in the issued IC chip 10, Manages card company information and payer number for public charges. In addition, when the card 20 with or without the IC chip 10 built therein or the mobile communication terminal 30 is declared to be lost, the use of all financial institution accounts registered in the IC chip 10 is controlled to be stopped.
[0069]
Next, an integrated financial transaction management method using the integrated financial transaction management system having such a configuration will be described with reference to the accompanying drawings.
[0070]
FIG. 6 is an overall flowchart of the integrated financial transaction management method according to the present invention.
[0071]
Referring to FIG. 6, first, the IC chip management system 230 of the financial institution 200 issues the IC chip 10 in which the account information of the financial institution that is built in or external to the smart card 20 and the mobile communication terminal 30 is registered ( S601).
[0072]
At this time, the new issuance of the IC chip 10 is the same as the conventional process of issuing a physical passbook and a card at each financial institution, and instead of simply issuing a physical passbook and a card, customer information and account information are stored in an IC data type. The issued IC chip 10 is issued. However, when the IC chip 10 is built in the card, the customer information and the account information are stored in the existing MS truck, and the IC chip 10 stores the customer information and the software necessary for the financial transaction without the account information required for the transaction. It is also possible to mount only. In this case, the customer can still use the existing transaction when using the card.
[0073]
The issued customer information and account information of the IC chip 10 are stored and managed in the IC chip management system 230.
[0074]
Next, the issuing terminal is connected to the financial institution host 220 of each financial institution 200 via the internal network 100 at the counter terminal 40 of the sales office, an automated device 60 such as a CD machine or an ATM machine, and a public billing storage automated device 70. A large number of financial institution account information, card company information, public charge payer number, etc., registered with the customer are registered in the IC chip 10 (S603).
[0075]
FIG. 7 is a detailed flowchart of the step of registering a large number of financial institution account information, card company information, and public charge payer number of FIG.
[0076]
Referring to FIG. 7, a customer having a smart card 20 with or without a built-in IC chip 10 and a mobile communication terminal 30 registers another financial account with which the IC chip 10 is trading. If the user desires, the physical passbook or card issued by another financial account is input to the counter terminal 40 and the MS reader 43 of the automation device 60.
[0077]
The counter terminal 40 and the MS reader 43 of the automation device 60 acquire customer information and account information stored in the MS track of the inserted physical passbook and card (S701).
[0078]
The main control unit 45 receiving the customer information and the account information stored in the MS track acquired through the MS reader unit 43 records the acquired customer information and account information in the MS account storage unit 46. And stored (S703).
[0079]
When the IC chip 10 issued by the customer is connected to the IC input / output unit 41 and the infrared transmitting / receiving unit 42 and the customer information and the account information registered in the IC chip 10 are obtained, the main control unit 45 The customer information and account information of the MS track recorded and stored in the MS account storage unit 46 are transferred to the connected IC chip 10 (S705).
[0080]
The microprocessor unit 12 of the IC chip 10 having received the customer information and the account information of the actual passbook and the card from the MS account storage unit 46 converts the information of the MS data type into the IC data type, and converts the information of the MS data type into the IC data type. (S707).
[0081]
When the information is implanted into the IC chip 10 through the above-described registration process, the customer information and account information stored in the existing physical passbook and card are transferred to the IC chip management system 230 of the financial institution 200 via the internal network interface 61. Are also stored and managed.
[0082]
When a new account is opened via the sales office terminal 40 of the financial institution 200, the smart card 20 and the mobile communication terminal already issued and used without issuing a physical passbook and card. Account information can also be directly registered in the IC chip 10 mounted on the machine 30.
[0083]
When the automatic device 60 is lost, the valid pass of the validity period, and the like, the reason for re-issuance of the actual passbook and the card occurs, the information submitted to the financial institution at the time of the first opening is not changed, and only the passbook or the card is used. By receiving information necessary for issuing a passbook and a card from the financial institution host 220 and directly registering it in the IC chip 10 possessed by the customer, the actual passbook and the issuance of a card are substituted.
[0084]
On the other hand, the registration of the public charge payer number and the account number of another financial institution is different from the storage of the MS track information, and is performed by the customer through the automation device 60 and the public charge storage automation device 70. This is done by directly entering the account number.
[0085]
When a number of financial institution account information, a card company and a public billing payer number have been registered in the IC chip 10 (S603), the teller terminal 40 and the automation device 60, the electronic passbook arrangement machine 50, and the public billing and storing automated device 70. Using an external terminal such as the like, various financial transactions are performed according to the situation adjusted by the customer using the information registered in the IC chip 10 (S605).
[0086]
FIG. 8 is a detailed flowchart of a stage of performing a financial transaction using the external terminal of FIG. 6, and a financial transaction process using the counter terminal 40 and the automation device 60 will be described as an example.
[0087]
Referring to FIG. 8, external terminals such as the contact terminal 40 and the automation device 60 transmit customer information, financial institution account information, public billing payer number, and the like registered in the connected IC chip 10. It is obtained via the IC input / output unit 41 and the infrared transmitting / receiving unit 42 (S801).
[0088]
Next, the main control unit 45 stores the acquired customer information, financial institution account information and payer payer number registered in the IC chip 10 in the integrated account financial processing unit 49, and is registered in the IC chip 10. The display unit 44 displays the large number of financial institution account information on the display unit 44 (S803).
[0089]
When an account number desired for transaction and necessary transaction contents are selected by the customer from the accounts of the financial institution displayed through the display unit 44 (S805), the corresponding financial institution host 220 of the selected account number is selected. A financial transaction is requested through an interface with the client (S807).
[0090]
At this time, if the selected account number is not the account number of the financial institution that issued the IC chip 10, the selected financial institution host is connected to the selected financial institution host via the financial cooperative network 130 or the Internet network 120 via the Internet interface unit 62. Request a transaction.
[0091]
If there is a financial transaction request through the window terminal 40 and the internal network interface unit 61 of the automation device 60, the financial institution host 220 confirms that the corresponding financial account is in a transactable state. And to the automation equipment 60.
[0092]
If it is confirmed that the corresponding financial account is ready to be traded (S809), the counter terminal 40, the automation device 60 and the financial institution host 200 perform the financial transaction requested by the customer through the interface through the internal network 100. The processing is performed (S811).
[0093]
On the other hand, when it is confirmed that the corresponding financial account which has requested the financial transaction is in a non-tradeable state (S809), the main control unit 45 of the counter terminal 40 and the automation device 60 displays a non-transactionable item on the display unit 44. Is displayed (S813).
[0094]
When the financial transaction processing of the customer request is completed, the teller terminal 40 and the automation device 60 store the changed account information such as the financial institution holding balance and transaction details of the customer (S815).
[0095]
When the financial transaction is completed by the above-described process (S605), the teller terminal 40, the automation device 60, the electronic passbook organizer 50, and the public bill storage automation device 70 are changed to the respective display units 44, 54, 73. The client's financial institution balance and transaction details are displayed, and the changed financial institution balance and transaction details are transmitted to the IC chip 10 (S607).
[0096]
When the changed transaction details are transmitted, the IC chip 10 stores the changed IC data in the account information storage unit 11 (S609).
[0097]
At this time, if the financial transaction content requested by the customer is a passbook breakdown inquiry and an electronic passbook entry, the teller terminal 40, the automation device 60, and the electronic passbook organizer 50 convert the passbook breakdown received from the financial institution host 220 into a conventional one. Instead of recording in the actual passbook, the information is recorded in the account information storage unit 11 via the interface with the IC chip 10. Therefore, the customer can record and keep the bookkeeping details of a large number of passbooks within a range in which the memory capacity of the IC chip 10 can be accommodated.
[0098]
In addition, when the financial transaction content requested by the customer is a public charge payment, the public charge storage automation device 70 performs the public charge storage using the public charge payer number registered in the IC chip 10 to perform the conventional charge storage. Public billing payment processing can be performed without direct input of the payer number by the customer. Therefore, the customer does not have to carry the publicly charged GIRO paper only with the IC chip 10.
[0099]
The above description is only one embodiment of the integrated financial transaction management system and the management method thereof according to the present invention, and any person having ordinary knowledge in this field can make various changes. It can be said that the technical spirit of the present invention is within a certain range.
[0100]
【The invention's effect】
As described above, the integrated financial transaction management system and the management method according to the present invention have the following effects.
[0101]
First, it has a single card or mobile communication terminal with a built-in or external IC chip. Customers can make payments from a number of financial institutions with which they do business, such as depositing and withdrawing, account transfer, cashing service, and public bill payment. By receiving the integrated financial transaction service, it is possible to minimize the inconvenience of use and the risk of loss due to the storage and possession of a large number of passbooks or cards.
[0102]
Second, instead of issuing a physical passbook and card with an MS track in which customer information and account information are recorded, the recording and storage of a large number of financial account transactions through an interface with a financial institution host is required. By using an IC chip that performs a possible electronic passbook function, it is possible to reduce the manpower and cost of a financial institution by issuing a physical passbook and issuing a card.
[0103]
Third, the financial account number and payer number required by the customer out of a large number of financial institution account information and payer payer number which are traded on the IC chip mounted on the card and the mobile communication terminal by the customer. By directly registering and using the service, more convenient financial transaction service can be provided.
[Brief description of the drawings]
FIG. 1 is an overall configuration diagram of an integrated financial transaction management system according to the present invention.
FIG. 2 is an internal configuration diagram of the IC chip of FIG. 1, a counter terminal and an automation device.
FIG. 3 is an internal configuration diagram of the electronic passbook organizing machine of FIG. 1;
FIG. 4 is an internal configuration diagram of the public charge storage automation device of FIG. 1;
FIG. 5 is an internal configuration diagram of the member store terminal of FIG. 1;
FIG. 6 is an overall flowchart of the integrated financial transaction management method according to the present invention.
FIG. 7 is a detailed flowchart of a step of registering a plurality of financial institution account information, card company information, and a public charge payer number of FIG. 6;
FIG. 8 is a detailed flowchart of a stage of performing a financial transaction using the external terminal of FIG. 6;
[Explanation of symbols]
10 IC chip
20 Smart Card
30 Mobile communication terminal
40 window terminal
50 Electronic passbook organizer
60 Automation equipment
70 Automated payment storage equipment
80 Merchant terminal
100 internal network
130 Financial Community Network
220 Financial Institution Host
230 IC chip management system
500 Financial Settlement Service

Claims (14)

An IC chip that is built in or attached to a card or mobile communication terminal, etc., and performs various financial transactions by receiving registration of a large number of financial institution account information, card company information, and payer's payer number that the customer is dealing with. ,
Window terminal and automation for relaying financial transactions such as depositing and withdrawing, account transfer, and cashing service between the IC chip and a financial institution via a data interface, and registering new account information and passbook entries in the IC chip. Equipment and
An electronic passbook organizer that records and displays a passbook entry breakdown of a financial account registered in the IC chip via a data interface between the IC chip and a financial institution, and prints the displayed passbook entry breakdown by a printer. When,
A public billing storage automation device that performs public billing storage between the IC chip and the financial settlement agency via a data interface using an internal network and a financial cooperative network;
A merchant terminal for performing credit / direct payment purchase and settlement based on card company information or direct payment account information registered in the IC chip;
It is connected to an external terminal such as the counter terminal and the automation equipment, the electronic passbook organizer, the public billing storage automation equipment and the like via an internal network, and controls financial transactions by a large number of financial institution accounts registered in the IC chip. With a financial institution host,
The smart card and the IC chip built in or external to the mobile communication terminal are issued, and a large number of financial institution account information, card company information, and a public billing payer number registered in the issued IC chip are transmitted. An integrated financial transaction management system, comprising: an IC chip management system for managing. The apparatus may further include an IC chip reader / writer connected to a personal computer or the like so that financial transactions such as account transfer, cashing service, and electronic money filling can be performed between the IC chip and a financial institution via the Internet. The integrated financial transaction management system according to claim 1, wherein The IC chip comprises:
A contact type IC chip for performing a data interface by contacting the contact terminal and the automation device, an electronic passbook organizer, a public billing storage automation device, an external terminal such as a member store terminal,
Non-contact IC chip that performs data interface with RF (Radio Frequency) or infrared communication with external terminals such as the contact terminal and the automation equipment, the electronic passbook organizer, the public billing storage automation equipment, and the member store terminal. The integrated financial transaction management system according to claim 1, wherein The IC chip comprises:
A microprocessor unit for converting MS (Magnetic Strip) track data of a number of physical passbooks and cards transmitted from the teller terminal and the automation equipment into an IC type, and controlling and processing data in an IC chip;
An MS track data converted to an IC type via the microprocessor unit, and an account information storage unit for storing account information for a financial transaction transmitted from the financial institution host;
A chip management system for managing all application programs in the IC chip;
An interface unit for performing a data interface with an external terminal such as the teller terminal and the automation device, an electronic passbook organizer, a public billing storage automation device, and a member store terminal;
2. An RF communication unit for performing a data interface by RF communication with an external terminal such as the counter terminal and an automatic device, an electronic passbook organizer, a public account storage and automation device, and a member store terminal. Or the integrated financial transaction management system according to 3. The counter terminal and the automation equipment,
An IC input / output unit and an infrared transmitting / receiving unit for acquiring customer information and financial institution account information stored in the IC chip, and transmitting fluctuation information of each financial account to the IC chip;
An MS reader unit for acquiring customer information and account information stored in an MS track of a physical passbook and a card;
An MS account storage unit which stores customer information and account information of an MS track of a physical passbook and a card obtained from the MS reader unit, and which is transplanted to the IC chip; an IC input / output unit; an infrared transmitting / receiving unit; A deposit and withdrawal transaction unit that performs financial transactions such as deposit and withdrawal, account transfer, and cashing service of a transaction account obtained from the leader unit;
An electronic passbook processing unit that controls so that the details of the passbook book of each account stored in the IC chip obtained from the IC input / output unit and the infrared transceiver unit are stored, queried, and printed;
An internal network interface unit that connects to the internal network of the financial institution for interfacing with the financial institution by the financial transaction,
A display unit for displaying all financial transaction processes and MS information transplantation processes according to the configuration;
And a main controller for controlling an overall operation process required for each component for performing a financial transaction using the IC chip, and controlling an operation required according to a situation adjusted by a customer. Item 1. The integrated financial transaction management system according to Item 1. The electronic passbook organizer,
An IC input / output unit and an infrared transmitting / receiving unit for acquiring customer information and financial institution account information stored in the IC chip, and transmitting fluctuation information of each financial account to the IC chip;
An MS reader unit for acquiring customer information and account information stored in an MS track of a physical passbook and a card;
An internal network interface unit that connects to the internal network of the financial institution for interfacing with the financial institution necessary for inquiring the passbook entry breakdown of each account;
A display unit for displaying a bankbook breakdown of financial transactions of each account stored in the IC chip;
Controls the entire operation process required for each component for storing, referencing, and printing the details of the passbook entry in the financial transaction of each account obtained through the IC input / output unit, the infrared transmitting / receiving unit, and the MS reader unit, The integrated financial transaction management system according to claim 1, further comprising: an electronic passbook control unit that controls a necessary operation according to a situation adjusted by the user. The billing storage automation device,
An IC input / output unit and an infrared transmitting / receiving unit for acquiring information of a public charging payer number and a GIRO using organization registered in the IC chip;
A network interface unit for connecting to a financial cooperative network for interfacing with the Financial Settlement Center required for storing public bills;
A display unit for displaying a public billing payer number obtained from the IC chip, a GIRO user organization, a breakdown of a customer's public billing payment provided by the financial settlement agency and an overall operation process necessary for storing a public billing;
An MS reader unit for acquiring information stored in an MS track of a credit card, a direct payment card, and a cash card required for public charge settlement based on the customer's public charge payment breakdown provided by the Financial Settlement Service;
A billing storage control unit for controlling an overall operation process required for each configuration for the billing transaction of the customer, and controlling a necessary operation according to a situation adjusted by the customer. Item 1. The integrated financial transaction management system according to Item 1. The IC chip management system includes:
2. The system according to claim 1, wherein when the card or the mobile communication terminal having the built-in or external IC chip is reported to be lost, the use of all financial institution accounts registered in the IC chip is stopped. Integrated financial transaction management system. External terminals such as the contact terminal and the automation device, the electronic passbook organizer,
7. The integrated financial transaction management system according to claim 5, further comprising an Internet interface unit for connecting to the Internet for performing financial operations on the Internet. Issuing an IC chip in which account information of a financial institution built in or external to the card and the mobile communication terminal is registered in the IC chip management system;
Registering a large number of financial institution account information, card company information, and public billing payer number, etc., with which the customer is dealing with the issued IC chip at the counter terminal and the automated device;
In the external terminal such as the contact terminal and the automation equipment, the electronic passbook organizer, the public charge storage automation equipment, etc., using a large number of financial institution account information, card company information and public charge payer number registered in the IC chip. Conducting financial transactions according to the situation adjusted by the customer,
When the financial transaction is completed, the teller terminal and the automation device, the electronic passbook organizer, the public billing storage automation device displays the changed financial institution account information on the display unit, the changed financial institution account information Transmitting to the IC chip;
And storing the changed IC data in the IC chip when the changed account information is transmitted. In the counter terminal and the automation device, the step of registering a plurality of financial institution account information with which the customer is trading in the IC chip includes:
Acquiring customer information and account information stored in an MS track of a physical passbook and a card via an MS reader unit;
Recording and storing customer information and account information stored in the obtained MS track in an MS account storage unit;
Transferring the customer information and account information stored in the MS account storage unit to an IC chip issued through the IC chip management system and currently connected to an IC input / output unit and an infrared transmission / reception unit;
11. The integrated financial transaction management method according to claim 10, further comprising the step of: converting the MS data into IC data by the IC chip having received the customer information and the account information and storing the IC data in the account information storage unit. Performing a financial transaction according to the situation adjusted by the customer at the external terminal,
Acquiring customer information, financial institution account information, and payer payer number registered in the IC chip connected to the external terminal via the IC input / output unit and the infrared transmitting / receiving unit;
Storing the customer information, the financial institution account information, and the payer payer number registered in the obtained IC chip, and displaying a large number of financial institution account information registered in the IC chip on a display unit;
When a customer selects an account number desired to be traded and necessary transaction contents from the displayed accounts of the financial institution, the client requests a financial transaction through an interface with a corresponding financial institution host of the selected account number. The process of
If it is confirmed that the financial transaction requested via the financial institution host is in a transactable state, processing the financial transaction requested by the customer;
11. The integrated financial transaction management method according to claim 10, further comprising, after the financial transaction processing is completed, storing the changed financial institution account information of the customer. When new physical passbook MS data, public charge payer number, and the like are registered in the IC chip, the financial institution account number and payer number registered in the IC chip are registered in the IC chip management system via an interface. The method of claim 11, further comprising the step of: In the process of requesting a financial transaction through an interface with a corresponding financial institution host of the selected account number,
If the selected account number is not the account number of the financial institution that issued the IC chip, a transaction is requested to the selected financial institution host via the financial cooperative network or the Internet via the Internet interface unit. The integrated financial transaction management method according to claim 12, wherein

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