KR101425937B1 - Device server and controlling method thereof, and mobile banking system using thereof - Google Patents

Abstract

The present invention provides a wireless communication system comprising: a first wireless communication unit for performing communication with a tag for short-range communication that stores a plurality of codes for approving a financial transaction; A second wireless communication unit for performing communication with the bank server; Determining at least one of the plurality of codes as a code for approving a specific financial transaction, and upon receiving the access key from the bank server, reading the determined code from the tag for local communication using the access key, And transmits the generated code to the bank server to request approval of the specific financial transaction.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a terminal apparatus, a control method thereof, and a mobile banking system using the same.

The present invention relates to a terminal device capable of using mobile banking without a security card and a control method thereof.

With the advent of smart phones, not only telebanking but also internet banking has become available in mobile terminals. Users can connect to a bank server wherever they can access the Internet, conduct various financial transactions such as checking account information, transferring accounts, and trading stocks. If you intend to conduct financial transactions using telephone banking or Internet banking, you must use a security card issued by a bank company. For example, when a user requests a financial transaction to a terminal device, a screen for requesting input of a code recorded in the secure card may be displayed on the smartphone, as in the example shown in FIG. 1A. The user can control the completion of the financial transaction by inputting a code required by the smart phone through the security card illustrated in FIG. For example, in the example of FIG. 1A, since the code requested for the financial transaction is the last two of the codes arranged in the order of the first and the 10th among the codes arranged in the first order, the user inputs '12' The financial transaction can be completed by inputting.

When attempting a financial transaction using a security card, the user must bring a security card at all times. However, in the case of using a conventional security card, since a user must directly input a code recorded in the security card, problems such as a financial transaction cancellation problem due to an input error or a security threat due to leakage of a code recorded in the security card Lt; / RTI > As a result, there is a growing need for financial transactions that reduce user errors and enhance security.

The present invention provides a terminal device capable of using mobile banking without a security card.

Specifically, the present invention provides a terminal device that can use mobile banking without waiting for input of codes recorded in a security card.

The present invention is intended to provide a terminal device that can utilize mobile banking using local area communication.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are not restrictive of the invention, unless further departing from the spirit and scope of the invention as defined by the appended claims. It will be possible.

A terminal device related to an embodiment of the present invention for realizing the above-mentioned problem includes a first wireless communication unit for performing communication with a tag for short-range communication for storing a plurality of codes for approving a financial transaction; A second wireless communication unit for performing communication with the bank server; Determining at least one of the plurality of codes as a code for approving a specific financial transaction, and upon receiving the access key from the bank server, reading the determined code from the tag for local communication using the access key, And transmits the generated code to the bank server to request approval of the specific financial transaction.

At this time, the control unit may transmit the determined identification number of the code and the identification information of the tag for the short distance communication to the bank server.

Here, the identification information of the short distance communication tag may be a UID (Unique IDentification).

Further, the controller may control the first wireless communication unit to be automatically activated when the user requests the progress of the specific financial transaction.

At this time, when the first wireless communication unit is activated, the control unit can set the communication mode of the first wireless communication unit to the inter-device communication (P2P) mode.

A terminal device related to an embodiment of the present invention for realizing the above-mentioned problem includes a first wireless communication unit for performing communication with a tag for short-range communication for storing a plurality of codes for approving a financial transaction; A second wireless communication unit for performing communication with the bank server; When the at least one of the plurality of codes is determined as a code for approving a specific financial transaction by the bank server, receiving an access key from the bank server and then transmitting the determined code And transmits the read code to the bank server to request approval of the specific financial transaction.

The technical solutions obtained by the present invention are not limited to the above-mentioned solutions, and other solutions not mentioned are clearly described to those skilled in the art from the following description. It can be understood.

The present invention has the effect of providing a terminal device which can use mobile banking without a security card.

Specifically, the present invention can provide a terminal device that can use mobile banking without waiting for input of a code recorded in a security card.

Furthermore, the present invention can provide a terminal device capable of using mobile banking only by a short distance communication without a security card.

The effects obtained by the present invention are not limited to the above-mentioned effects, and other effects not mentioned can be clearly understood by those skilled in the art from the following description will be.

1 is an exemplary view for explaining mobile banking using a conventional terminal device;
2 is a schematic diagram of a mobile banking system in accordance with an embodiment of the present invention.
FIG. 3 is a flowchart illustrating an operation of a mobile financial transaction system according to an embodiment of the present invention; FIG.
4 is an exemplary view for explaining that a guidance message is displayed on a terminal device;
5 is a flowchart illustrating an operation of a mobile financial transaction system according to another embodiment of the present invention.
6 is a block diagram of the terminal device shown in FIG. 2;

Hereinafter, a mobile terminal related to the present invention will be described in detail with reference to the drawings. The suffix "part" for the constituent elements used in the following description is to be given or mixed with consideration only for ease of specification, and does not have a meaning or role that distinguishes itself.

2 is a schematic diagram of a mobile banking system according to an embodiment of the present invention. Referring to FIG. 2, a mobile banking system according to the present invention may include a tag 100 for short-range communication, a terminal 200, and a bank server 300.

The short-range communication tag 100 is a replacement for a conventional security card, and the short-range communication tag 100 may store a plurality of codes to be used for financial transactions. At least one of a plurality of codes stored in the short-range communication tag 100 may be utilized as an approval key for approving a financial transaction requested by the terminal device 200. [ Each code may be assigned an order number for distinguishing each code. For example, when n codes are stored in the tag device, numbers from 1 to n may be assigned to each code. Or one or more codes may be assigned to the same sequence number. In this case, each code could be broken down in detail by the order in the sequence. Assigning order numbers to the respective codes is for the terminal device 200 to acquire the storage location of the codes from the insurance server.

Further, the short range communication tag 100 can further store unique identification information. Here, the identification information of the short distance communication tag 100 may be a unique identification (UID) of the short distance communication tag 100.

The short distance communication tag 100 may be one that uses wireless communication in a tag method such as Near Field Communication (NFC) or Radio Frequency Identification (RFID). That is, the near field communication tag 100 may be an NFC tag or an RFID tag. In particular, when the short range communication tag 100 is an NFC tag, the NFC tag may be provided in a removable form (for example, a sticker form) on an object, but not limited thereto.

When the near field communication tag 100 is an NFC tag, the NFC tag may be one that satisfies the standard of ISO 18092 or one that satisfies the standard of ISO 14443 (Sony Felica) or ISO 14443A (MiFare of Philips) . When the NFC tag satisfies the My Fair standard, the NFC tag may include a storage unit having 16 sectors. An NFC tag may store a plurality of codes in at least one sector specified by a bank among 16 sectors. Each sector may be composed of four blocks, and the four blocks may include a data storage block for storing data and a key storage block for storing sector key information for accessing the code. The codes to be used for approval of financial transactions can be stored in a data storage block. The last sequential block of the four blocks may be utilized as the key storage block, but the present invention is not limited thereto.

When the key information is received from the terminal device 200, the NFC tag can provide the terminal device 200 with the data of the sector to which the key storage block having the same key information as the received key information belongs. For example, if the terminal device 200 inputs the same key information as the key information of the key storage block of the first sector among the 1-16 sectors, the terminal device 200 can access the code storage block of the first sector .

However, the storage unit of the NFC tag does not necessarily have to consist of 16 sectors. In some cases, the NFC tag may have more or less than 16 sectors, and the number of blocks included in one sector may also be set differently.

The terminal device 200 is a basic device for performing mobile banking, and is a device for requesting a bank transaction to the bank server 300 by external input. Specifically, the user can log-in to the bank server 300 through the terminal device 200 and request a financial transaction to the bank server 300. The terminal device 200 described in the present specification may be applied to a mobile phone, a smart phone, a laptop computer, a PDA (personal digital assistant), a portable multimedia player (PMP), a tablet PC, It can be assumed that it is a mobile terminal. However, it will be readily apparent to those skilled in the art that the configuration according to the embodiments described herein may be applied to fixed terminals such as a digital TV desktop computer as well as a mobile terminal. That is, the configuration according to the embodiment described herein can be applied not only to a mobile banking service using a mobile terminal but also to an Internet banking service using a fixed terminal.

The bank server 300 determines whether to approve the financial transaction requested by the terminal device 200 in conjunction with the terminal device 200. The bank server 300 can determine whether to approve the financial transaction based on the approval key received from the terminal device 200. [

The bank server 300 may store the status of issuance of the tag 100 for short range communication and the codes stored in the short range communication tag 100 and storage location information of the codes. Storing the issuance status of the short-range communication tag 100 is for limiting the issuance of one short-range communication tag 100 to one user (or one ID) and storing the storage location information of the codes stored in the communication tag This is for the terminal device 200 to be able to read the code stored in the NFC tag. Further, by storing the codes stored in the NFC tag, it is possible to determine whether or not the One Time Password (OTP) input from the terminal device 200 is appropriate.

The organic coupling relationship of the components of FIG. 2 will be described in detail with reference to the operation flow chart of FIG. For convenience of description, it is assumed that the short distance communication tag 100 is an NFC tag.

3 is a flowchart illustrating an operation of a mobile financial transaction system according to an exemplary embodiment of the present invention. Referring to FIG. 3, a user who wishes to conduct a financial transaction can request a connection to the bank server 300 through the terminal device 200 (S301). Specifically, the terminal device 200 may request a connection using an ID and a password of a user input from the outside or request a connection to the bank server 300 using a public certificate and a password stored in the terminal device 200 have.

The bank server 300 receiving the connection request from the terminal device 200 can determine whether or not to approve connection of the terminal device 200 (S302). The connection request and approval to the bank server 300 are well-known matters, and a detailed description thereof will be omitted.

After the terminal device 200 logs into the bank server 300, the terminal device 200 can receive a user command for requesting a financial transaction from the user (S303). For example, the financial transaction may be a money transfer service. In order to execute the account transfer service, the user must input the account number information of the withdrawal passbook, the account number information of the remittance passbook, and the transfer amount information to the terminal device 200.

When a user command requesting a financial transaction is input, the terminal device 200 may output a guidance message requesting the user to tag the terminal device 200 with an NFC tag (S304). In the case of NFC communication, communication can be performed only when the NFC module and the NFC tag are located within 10 cm. Therefore, in order to form a communication channel between the terminal device 200 and the NFC tag, the terminal device 200 is tagged with the NFC tag The process must be accompanied by necessity. The NFC tagging of the user can be induced by displaying a guide message requesting to tag the terminal device 200 with the NFC tag.

For example, FIG. 4 illustrates that a guidance message is displayed on a terminal device. The user can recognize that the financial transaction can be performed only by tagging the terminal device 200 with the NFC tag through the guidance message shown in FIG.

When the user tags the terminal device 200 with the NFC tag, the terminal device 200 can form a communication channel with the NFC tag (S305). When the NFC communication channel is formed, the terminal apparatus 200 can receive the identification information of the NFC tag from the NFC tag. As described above, the identification information of the NFC tag may be a UID (Unique Identification) of the NFC tag, but is not limited thereto.

Upon receiving the identification information of the NFC tag, the terminal device 200 can determine the sequence number of the code to be used as the OTP among the plurality of codes stored in the NFC tag (S306). For example, when n codes are stored in the NFC tag, the terminal apparatus 200 may determine to use the codes of the a-th order number and the b-th order number as OTPs. At this time, the terminal device 200 can determine the order of codes to be used as random OTPs.

When the sequence number of the code to be used as the OTP is determined, the terminal device 200 can provide the bank server 300 with the identification information of the NFC tag and the order of the code to be used as the OTP (S307).

The bank server 300 provided with the identification information of the NFC tag and the order of the code to be used as the OTP from the terminal device 200 can determine whether or not the NFC tag is issued to the user identified in the login process S308).

If the NFC tag is not issued to the user identified in the login process, the bank server 300 may send an error message to the terminal device 200.

In contrast, when it is determined that the NFC tag is issued to the user identified in the login process, the bank server 300 transmits the NFC tag to the terminal device 200 so that the terminal device 200 can read the code of the order requested from the NFC tag The access key may be provided (S309).

Upon receiving the access key from the bank server 300, the terminal device 200 can read the code for use as the OTP from the NFC tag using the access key (S310). The access key received from the bank server 300 may be a sector key for reading the code stored in the NFC tag. The sector key can be used to read the data recorded in a specific sector of the NFC tag. For example, if the NFC tag has a storage portion including 16 sectors, the sector key may be for accessing at least one of the 16 sectors. The terminal device 200 can access at least one of the sectors 1-16 using the sector key and read the code of the order determined in step S306.

If the code is read from the NFC tag, the control unit provides the read code to the bank server 300 and requests approval of the financial transaction entered in step S303 (S311). The bank server 300 receiving the OTP (that is, the read code) from the terminal device 200 can determine whether to approve the financial transaction requested by the terminal device 200 based on the OTP (S312). If the OTP received in step S307 is identical to the OTP received in step S307, the financial transaction is approved. Otherwise, the financial transaction can be disallowed. Next, the bank server 300 may provide the terminal device 200 with approval of the financial transaction to the terminal device 200 (S313).

The terminal device 200 may display a notification message informing the user of approval or disapproval of the financial transaction received from the bank server 300 (S314).

In FIG. 3, the order of codes to be used as OTPs is determined in the terminal device 200, but it is not necessary to determine the order of codes to be used as OTPs in the terminal device 200. For example, as shown in FIG. 5, the bank server 300 may determine the order of codes to be used as OTPs.

5 is a flowchart illustrating an operation of a mobile financial transaction system according to another embodiment of the present invention. 3, it is possible to determine the order of the code to be used as the OTP in the bank server 300, rather than the terminal device 200. [ That is, the step S306 of FIG. 3 performed through the terminal device 200 may be replaced with the step S508 performed through the bank server 300. FIG. In this case, the terminal device 200 may provide only the identification information of the NFC tag to the bank server 300 (see S307 and S506).

3 and 5, it is exemplified that a communication channel is formed between the terminal device 200 and the tag for local communication 100 after the user command for requesting the financial transaction is input (S304) (S305) The step S305 is not necessarily performed after the step S304 is performed. A communication channel may be formed between the terminal device 200 and the tag 100 for short-range communication even before step S304 is performed. In this case, the output of the guidance message described in Fig. 4 may be omitted.

The operation of the terminal device 200 shown in FIGS. 3 and 5 can be repeatedly performed each time a user requests a financial transaction. That is, in the examples of FIGS. 3 and 5, the code used for the approval of the first financial transaction is an OTP (One Time Password) and can not be used for approval of the second financial transaction. For approval of the second financial transaction, the terminal device 200 or the bank server 300 must again determine the code to be used for the approval of the second financial transaction.

Further, until the step S310 or S510 is performed, the communication channel formed in the step S305 or S505 needs to be continuously maintained. That is, the terminal device 200 and the local communication tag 100 need to maintain a close state until the terminal device 200 reads the code from the local communication tag 100 by using the access key. If the communication channel formed in the step S305 before the step S310 is not maintained, the step S305 before the step S310 is performed again.

6 is a block diagram of the terminal device shown in FIG. 6, the terminal 200 may include a first wireless communication module 210, a second wireless communication module 220, a display unit 230, a memory 240, and a controller 250 .

The first wireless communication module 210 is for performing first wireless communication with the NFC tag. The first wireless communication may be NFC communication or RFID communication. The terminal device 200 can receive codes to be used as UID and OTP from the NFC tag through the first wireless communication module 210. [ In the case of NFC or RFID, since the communication is performed within a distance of 10 cm or less, the first wireless communication can be performed by tagging the first wireless communication module 210 to the NFC tag.

The first wireless communication module 210 may be built in the terminal device 200 as shown in FIG. 6, but is not limited thereto. The first wireless communication module 210 may be provided in an external form in the terminal device 200. In this case, the first wireless communication module 210 is connected to the interface unit (not shown) of the terminal device 200 to perform the first wireless communication.

The second wireless communication module 220 is for performing a second wireless communication with the bank server 300. The second wireless communication module 220 may be one using wireless Internet technology such as WLAN (or Wi-Fi), WiBro, HSDPA, HRPD, LTE, CDMA, WCDMA.

The display unit 230 displays a screen related to the financial transaction so that the user can proceed with the financial transaction. The display unit 230 may be provided in the form of a touch screen, but is not limited thereto. If the display unit 230 is not provided in the form of a touch screen, the terminal device 200 should further include a user input unit (not shown) for receiving user input.

The control unit 250 controls each operation of the terminal device 200. The controller 250 may have a hardware configuration, but is not limited thereto. The control unit 250 may control the first wireless communication module 210, the second wireless communication module 220, and the display unit 230 in software.

The operations of the terminal device 200 described with reference to FIGS. 3 and 5 may be implemented through a financial transaction program (or application). The control unit 250 may control the operations of FIGS. 3 and 5 to be performed after driving the financial transaction program based on a user command for executing the financial transaction program.

The control unit 250 can automatically activate the first wireless communication module 210 when the financial transaction application is executed by a user command or when the user requests the progress of the financial transaction. Activation of the first wireless communication module 210 is for setting a state capable of performing communication with an NFC tag storing a plurality of codes for financial transactions. At the same time, the control unit 250 can set the communication mode of the first wireless communication module 210 to a communication mode suitable for communication with the NFC tag. For example, when the first wireless communication module 210 is an NFC communication module, the control unit 250 can set the communication mode of the NFC communication module to the inter-device communication (P2P) mode Peer, P2P) mode, reader / tag (Read / Write) mode, and card emulation (SC) mode).

Thereafter, when the financial transaction application is terminated or the financial transaction requested by the user is terminated, the controller 250 may control the first wireless communication module 210 to be inactivated.

According to an embodiment of the present invention, the above-described method can be implemented as a code readable by a processor on a medium on which a program is recorded. Examples of the medium that can be read by the processor include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and may be implemented in the form of a carrier wave (e.g., transmission over the Internet) .

The terminal device 200 described above can be applied to a configuration and a method of the embodiments described above in a limited manner, but the embodiments may be modified such that all or some of the embodiments are selectively combined .

100: Tag for short range communication
200: terminal device
210: a first wireless communication module
220: second wireless communication module
230:
240: Memory
250:
300: Bank server

Claims (23)

A first wireless communication unit for performing communication with a tag for short-range communication that stores a plurality of codes for approving a financial transaction;
A second wireless communication unit for performing communication with the bank server; And
Determining at least one of the plurality of codes as a code for approving a specific financial transaction,
When receiving the access key from the bank server, reading the determined code from the tag for local communication using the access key,
And a control unit configured to transmit the read code to the bank server to request approval of the specific financial transaction,
. The method according to claim 1,
And the controller transmits the determined code identification number to the bank server. 3. The apparatus of claim 2,
Wherein the identification information of the tag for short-range communication is further transmitted to the bank server for authentication of the short-range communication tag. The method of claim 3,
Wherein the identification information of the short distance communication tag is a unique identification (UID). The apparatus of claim 1,
Wherein the control unit controls the first wireless communication unit to be automatically activated when the user requests the progress of the specific financial transaction. 6. The apparatus of claim 5,
And sets the communication mode of the first wireless communication unit to the inter-device communication (P2P) mode when the first wireless communication unit is activated. A first wireless communication unit for performing communication with a tag for short-range communication that stores a plurality of codes for approving a financial transaction;
A second wireless communication unit for performing communication with the bank server; And
If at least one of the plurality of codes is determined by the bank server as a code for approving a specific financial transaction,
After receiving the access key from the bank server, reading the determined code from the tag for local communication using the access key,
And a control unit configured to transmit the read code to the bank server to request approval of the specific financial transaction,
. Forming a communication channel with a tag for short-range communication storing a plurality of codes for approving a financial transaction;
Determining one of the plurality of codes as a code for approving a specific financial transaction;
Receiving an access key for accessing the determined code from a bank server;
Reading the determined code from the tag for local communication using the access key; And
Transmitting the read code to the bank server and requesting approval of the specific financial transaction
And transmitting the control information to the mobile terminal. 9. The method of claim 8,
Wherein the mobile terminal transmits the identification number of the determined code to the bank server. 10. The mobile terminal of claim 9,
Wherein the identification information of the tag for the short distance communication is further transmitted to the bank server for authentication of the short distance communication tag. 11. The method of claim 10,
Wherein the identification information of the tag for the short distance communication is a unique identification (UID). Forming a communication channel with a tag for short-range communication storing a plurality of codes for approving a financial transaction;
Receiving an access key from a bank server to a code to be used for approval of a specific financial transaction;
Reading a code to be used for approval of the specific financial transaction from the tag for local communication using the access key; And
Transmitting the read code to the bank server and requesting approval of the specific financial transaction
And transmitting the control information to the mobile terminal. A tag for short-range communication that stores a plurality of codes for approving a financial transaction;
A terminal device for determining at least one of the plurality of codes as a code for approving a specific financial transaction; And
A bank server for providing an access key to the determined code to the terminal device and determining whether to approve the specific financial transaction;
Lt; / RTI >
Wherein the terminal device reads the determined code from the tag for local communication using the access key, and transmits the read code to the bank server to request approval of the specific financial transaction. 14. The method of claim 13,
Wherein the short-range communication tag is an NFC (Near Field Communication) tag. 15. The method of claim 14,
The NFC tag has a storage unit configured with 16 sectors,
Wherein the storage unit stores the plurality of codes in at least one of the sixteen sectors. 16. The method of claim 15,
Wherein each of the 16 sectors includes a data storage block for storing data and a key storage block for storing a sector key for accessing the data storage block,
Wherein the plurality of codes are stored in the data storage block. 17. The method of claim 16,
Wherein the access key is a sector key for accessing at least one data storage block of the sixteen sectors. 14. The method of claim 13,
Wherein the short-range communication tag is provided in a removable sticker form. 14. The method of claim 13,
And the terminal device transmits the determined code identification number to the bank server. 20. The method of claim 19,
Wherein the terminal device further transmits the identification information of the tag for local communication to the bank server,
Wherein the bank server performs authentication of the short-range communication tag based on the identification information, and provides the access key to the terminal device according to the authentication result. 21. The method of claim 20,
Wherein the identification information of the short-range communication tag is a unique identification (UID). 21. The method of claim 20,
Wherein the terminal device randomly determines at least one of the plurality of codes as a code for approving the specific financial transaction. A tag for short-range communication that stores a plurality of codes for approving a financial transaction;
A bank server for determining at least one of the plurality of codes as a code for approving a specific financial transaction; And
Receiving an access key for accessing the determined code from the bank server, reading the determined code from the tag for local communication using the access key, transmitting the read code to the bank server, A terminal device requesting approval of a transaction
And a mobile banking system.

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