KR20150146463A - Automated teller machine, card server, mobile device, computer readable recording medium, and control method thereof - Google Patents

Abstract

A control method for a financial automatic machine is disclosed. The control method includes the steps of: reading a physical card for financial transactions; displaying a mobile card capable of being issued by the owner of the leading physical card; and selecting a mobile card to be issued on the displayed screen, To the card issuer server.

Description

TECHNICAL FIELD [0001] The present invention relates to an automated teller machine, a card server, a mobile device, a computer readable recording medium, and a control method thereof,

The present invention relates to a financial automation device, a card company server, a mobile terminal, a computer-readable recording medium, and a control method thereof, and more particularly to a method and system for issuing and authenticating a mobile card using a financial automation device such as an ATM (Automated Teller Machine) A credit card server, a mobile terminal, a computer-readable recording medium, and a control method thereof.

Due to the development of electronic technology, various types of electronic devices are being developed and distributed. In particular, mobile terminals such as smartphones based on superior IT technologies are becoming popular.

In recent years, demand for high-tech mobile terminals is increasing due to price reduction and performance improvement of the most advanced mobile terminals. As a result, efforts are being made to develop a variety of convenient methods for use in the latest mobile terminals.

For example, a mobile card that realizes a real credit card, a check card, a debit card, and a cash card (hereinafter, referred to as a real card) actually used by a user in a mobile terminal is developed and used.

In order to issue a mobile card, a system called TSM (Trust Service Manager) has been conventionally introduced to provide the transportation and credit card applications required for settlement in the Secure Element (SE) area of the Universal Subscriber Identity Module (USIM) or the SE area of the financial MicroSD Respectively.

Here, TSM is a service that connects a financial service provider such as a credit card company or a bank to a communication service provider, that is, the SE area of the real card and the SE area of the USIM and the financial MicroSD are the same. do. More specifically, TSM is empowered to provide services from a financial service provider and is entrusted with a SE area usage right and a communication network usage right from a communication service provider to provide a consistent mobile settlement to the final consumer. TSM has issued a mobile card using OTA (Over The Air) function which downloads mobile card to SE area using OTA channel.

As described above, TSM is a structure in which a business operator of TSM installs a mobile card through OTA. TSM is responsible for issuing credit cards by being arbitrated and authorized by a trusted business operator.

However, TSM is not a standardized system in the world, it is a system of high technical intensity that only a few companies have, and all rights of various financial companies, card companies, loyalty / coupons, tickets, The infrastructure is too big to handle management, issuing data maintenance, re-issuance / recovery service, lost / stolen report service, maintenance of user information, SD key management,

Accordingly, the present invention proposes a scheme of using an ATM network, which is an existing infrastructure installed.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned needs, and it is an object of the present invention to provide a financial automation device, a credit card company server, a mobile terminal, A recording medium and a control method thereof.

According to another aspect of the present invention, there is provided a method for controlling an automated teller machine, comprising: reading a physical card for a financial transaction; displaying a mobile card capable of being issued by the owner of the read physical card; And transmitting the issuing request of the mobile card corresponding to the selection to the card company server when the mobile card to be issued is selected on the displayed screen.

According to another aspect of the present invention, there is provided a method of controlling a card issuer server, the method comprising: receiving a mobile card issuance request for issuing a mobile card to a mobile terminal from a financial automation device; Determining whether the request for issuing the card is approved; generating URL (Uniform Resource Locator) information to which the mobile terminal can issue upon issuance of the mobile card upon approval; and transmitting the generated URL information to the mobile terminal .

According to another aspect of the present invention, there is provided a method of controlling a mobile terminal, the method comprising: issuing a mobile card from a card issuer server corresponding to the mobile card, And receiving the mobile card by accessing the card company server using the received URL information.

According to another aspect of the present invention, there is provided a financial automation apparatus including a communication unit, a reader unit for reading a physical card for financial transaction, a mobile card capable of issuing by the owner of the read physical card, And a controller for controlling the communication unit to transmit an issuance request of the mobile card corresponding to the selection to the card company server when the display unit for displaying the card and the mobile card to be issued on the displayed screen are selected.

According to another aspect of the present invention, there is provided a card issuer server including a communication unit for receiving a mobile card issuance request for issuing a mobile card from a financial automation device, And transmits the generated URL information to the mobile terminal when the mobile terminal is connected to the mobile terminal, and when the mobile terminal is authorized, generates URL (Uniform Resource Locator) information for issuing the mobile card, and transmits the generated URL information to the mobile terminal And a control unit for controlling the control unit.

According to another aspect of the present invention, there is provided a mobile terminal including a mobile terminal, a mobile terminal, and a mobile terminal, And a control unit connected to the card issuer server using the received URL information and controlling the mobile card to be issued to the storage unit.

According to various embodiments of the present invention, issuing and authenticating the mobile card using the financial automation device can reduce the issuing cost of the physical card / mobile card and improve the security.

In addition, according to various embodiments of the present invention, it is possible to easily link with a financial integration service using an existing infrastructure established in a financial automatic machine. More specifically, it can be linked to the computerized financial network. In case of using financial services after issuance, it can be connected to the integrated computer network of KFTC and deal with other banks.

In addition, according to various embodiments of the present invention, the technical and manpower requirements for a conventional mobile card issuing method, for example, a Trusted Service Manager (TSM), Over the Air (OTA) Can be improved.

In addition, according to various embodiments of the present invention, a user can easily obtain a mobile card at any time by using a financial automation device that is available outside business hours of a financial institution or on holidays.

1 is a diagram illustrating a mobile card issuing and authentication system according to an embodiment of the present invention.
2 is a timing diagram illustrating the operation of a mobile card issuance and authentication system in accordance with an embodiment of the present invention.
3 is a block diagram illustrating a financial automation apparatus according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating an operation of the automated teller machine according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating an operation of a financial automatic machine according to another embodiment of the present invention.
6 is a block diagram illustrating a card issuer server according to an embodiment of the present invention.
7 is a flowchart illustrating an operation of a card issuer server according to an embodiment of the present invention.
8 is a block diagram illustrating a mobile terminal in accordance with an embodiment of the present invention.
9 is a flowchart illustrating an operation of a mobile terminal according to an exemplary embodiment of the present invention.

The following merely illustrates the principles of the invention. Thus, those skilled in the art will be able to devise various apparatuses which, although not explicitly described or shown herein, embody the principles of the invention and are included in the concept and scope of the invention. Furthermore, all of the conditional terms and embodiments listed herein are, in principle, only intended for the purpose of enabling understanding of the concepts of the present invention, and are not to be construed as being limited to such specifically recited embodiments and conditions do.

It is also to be understood that the detailed description, as well as the principles, aspects and embodiments of the invention, as well as specific embodiments thereof, are intended to cover structural and functional equivalents thereof. It is also to be understood that such equivalents include all elements contemplated to perform the same function irrespective of the currently known equivalents as well as the equivalents to be developed in the future, i.e., the structure.

Thus, it should be understood that all flow diagrams, state transitions, pseudo code, etc. are representative of various processes that may be substantially represented on a computer-readable medium and executed by a computer or processor, whether the computer or processor is explicitly shown .

The functions of the various elements shown in the figures, including the functional blocks depicted in the processor or similar concept, may be provided by use of dedicated hardware as well as hardware capable of executing software in connection with appropriate software. When provided by a processor, the functions may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: There will be. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Various embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a mobile card issuing and authentication system according to an embodiment of the present invention. 2 is a timing diagram illustrating the operation of a mobile card issuance and authentication system in accordance with an embodiment of the present invention. 1 and 2, a mobile card issuance and authentication system 1000 includes a mobile terminal 100, a financial automation device 200 such as an ATM (automated teller machine), a card issuer server 300, a message server 400 .

The automated teller machine (200) means a device that automatically performs the work performed by a cashier at the counter of a financial institution outside or during business hours of a financial institution. The automated teller machine 200 may be installed in a place other than the window of the sales office, for example, in a department store, a high-speed bus terminal, a building or the like for the purpose of streamlining sales or improving service, The card issuer server 300, and the like. In addition, the automated teller machine 200 receives a variety of requests from the user, such as a cash payment request, a cash deposit request, a money transfer request, a banknote exchange request, etc., Can be performed.

The mobile terminal 100 may be a variety of devices such as a smart phone, a tablet computer, a notebook computer, a personal digital assistant (PDA), a portable multimedia player (PMP), a wearable smart glass, have.

In addition, the card issuer server 300 may perform a card-related processing operation such as checking whether the payment is requested using a physical card, a mobile card, or the like. Here, the card issuer server 300 may include a plurality of card issuer servers corresponding to each of a plurality of card companies.

In addition, the message server 400 may be connected to the mobile terminal 100 through a network and transmit the message to the mobile terminal 100. [ Here, the message server 400 includes a PUSH message server for transmitting in a format such as a text message server for transmitting in a text message format such as SMS (Short Message Service) or MMS (Multi-media Message Service), a PUSH message, .

Meanwhile, the mobile card issuance and authentication system 100 according to an embodiment of the present invention can perform the issuance and authentication of the mobile card using the financial automation device 200. This will be described in detail with reference to FIG.

Referring to FIG. 2, the automated teller machine 200 may read a physical card for financial transactions (S101). For example, in order to issue a mobile card, a user selects a mobile card issuing menu from among a plurality of menus such as a cash payment menu, a cash deposit menu, a money transfer menu, and the like displayed on the automated teller machine 200, When read, the automated teller machine 200 can read the user's real card for financial transaction. Here, the physical card may be implemented in various ways such as an MS (Magnetic Stripe) card, an IC (Integrated Circuit) card, etc., and the card reader unit may be implemented by an MS card reader unit, an IC card reader unit, or the like.

 Then, the automated teller machine 200 can display a mobile card that can be issued by the owner of the leading physical card (S102). For example, the automated teller machine 200 may display a list of mobile cards that can be issued by the owner of the leading physical card, or may display a mobile card corresponding to the leading physical card. Here, the owner means the person of the real card, and the owner of the real card and the user who requests the issuance of the mobile card by manipulating the financial automation device may not be the same person or the same person.

When the mobile card to be issued is selected on the displayed screen, the automated teller machine 200 can transmit the mobile card issue request corresponding to the selection to the card company server (S103). For example, when a user selects a mobile card to be issued from among a plurality of mobile card lists available on the screen of the automatic teller machine 200, an issuance request including a PIN (Personal Identification Number) of the selected mobile card is transmitted to the card company server Lt; / RTI >

In this case, the card issuer server 300 may determine whether the received mobile card issuance request is approved (S104). For example, the card issuer server 300 may approve a mobile card issuance request if the PIN for the mobile card selected by the user matches, and may reject the mobile card issuance request if the PIN is inconsistent.

Then, the card issuer server 300 can generate URL (Uniform Resource Locator) information that the mobile terminal 100 can access and issue the mobile card at the time of approval (S105). Here, the card issuer server 300 can generate a message including the URL information.

Then, the card issuer server 300 can transmit the generated URL information to the mobile terminal of the user requesting the issuance of the mobile card through the message server 400 (S106). In this case, the message server 400 may transmit the message to the mobile terminal 100 of the user requesting the issuance of the mobile card in a text message format such as Short Message Service (SMS) or Multi-Media Message Service (MMS) .

In this case, the mobile terminal 100 may access the card issuer server 400 using the received URL information to receive the mobile card (S107). Here, when the mobile terminal 100 receives a message from the message server 400 and selects the URL information, the mobile terminal 100 executes an issuance application installed in the mobile terminal 100. The issuance application transmits the issuance application to the card issuer server 400, and information on the mobile card stored in the card issuer server 400 may be stored in the SE area of the USIM or the SE area of the financial microSD, or may be stored in an app card format. Here, the app card is an application-type mobile card, and may be a card which can be registered in an application and used in an on-line merchant without storing card information in the USIM (invisible card).

3 is a block diagram illustrating a financial automation apparatus according to an exemplary embodiment of the present invention. 3, the automated teller machine 200 includes all or some of the reader 210, the communication unit 220, the display unit 230, and the control unit 240. [

The reader unit 210 may read the user's real card for financial transaction. Here, the physical card may be implemented as an MS card or an IC card, and the reader unit 210 may include an MS card reader unit for reading the MS card and an IC card reader unit for reading the IC card.

The MS card reader unit includes a card input unit for receiving a user's card input operation such as sliding or inputting an MS card, a magnetic head unit for generating an electric signal for a track of the physical card, And a card information generating unit for generating the card information.

Specifically, the magnetic head portion corresponds to the magnetic stripe of the first track due to the influence of the magnetic stripe of the first track, the magnetic stripe of the second track, and the magnetic stripe of the third track included in the MS card A second electrical signal corresponding to the magnetic stripe of the second track, and a third electrical signal corresponding to the magnetic stripe of the third track may be derived. Accordingly, the magnetic head unit can generate electrical signals for at least one of the plurality of tracks of the MS card.

Also, the card information generating unit converts the analog signal corresponding to the electrical signal for one of the plurality of tracks of the MS card into a digital signal using the A / D converter, and acquires the card information of the MS card from the converted digital signal The card information can be generated.

The IC card reader unit may include a contact type IC card reader unit and a contactless IC card reader unit. The contact type IC card reader unit includes at least one contact point which is in electrical contact with a COB (Chip On Board) provided on the contact type IC card, and the contact type IC card reader unit is connected to the IC chip of the IC card And can read predetermined information or data from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit). Also, the non-contact type IC reader unit may include at least one antenna that makes electrical contact with the non-contact type IC card in a non-contact manner by using capacitive coupling and / or inductive coupling, Power is supplied to the IC chip of the IC card, and predetermined information or data can be read from the IC chip through the half-duplex transaction using the APDU.

Accordingly, the reader unit 210 can read the information about the physical card including the owner name, the date of birth, the card number, and the expiration date of the physical card by reading the physical card.

The communication unit 220 enables the automated teller machine 200 to communicate with other devices. In particular, the communication unit 220 enables communication between the financial automatic machine 200 and the card issuer server 300.

Here, the communication unit 220 may be connected in a wireless or wired manner via a local area network (LAN) and an Internet network, a form connected through a USB (Universal Serial Bus) port, a mobile communication network Or a form of being connected through a short-range wireless communication method such as NFC (Near Field Communication), Radio Frequency Identification (RFID), Wi-Fi, or the like.

The display unit 230 functions to display a screen. In particular, the display unit 230 may display various menus available from the automated teller machine 200 such as a cash payment menu, a cash deposit menu, a money transfer menu, a mobile card issuance menu, and the like. The display unit 230 can display a mobile card that can be issued by the user of the physical card using the physical card read by the reader unit 210. [

The display unit 230 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, a three-dimensional display (3D display), or a transparent display.

The control unit 240 controls the overall operation of the automated teller machine. Specifically, the control unit 240 can control all or a part of the reader unit 210, the communication unit 220, and the display unit 230.

In particular, when the mobile card issue menu is selected from a plurality of menus displayed on the display unit 230 and the user's physical card is read by the reader unit 210, the control unit 240 displays information on the physical card, Information on the physical card including the owner name of the card, date of birth, card number, expiration date, and the like can be detected.

In addition, the control unit 240 can display on the display unit 230 a mobile card that can be issued by the owner of the physical card, using information about the physical card. Here, the displayed mobile card may be a mobile card corresponding to the real card or a mobile card list which can be issued by the owner to the real card.

For example, when the leading physical card is the 'A physical card', the control unit 240 can display the 'A mobile card' corresponding to the leading physical card on the display unit 230 as a mobile card that can be issued by the user have.

As another example, when the leading physical card is an 'A physical card', the control unit 240 displays a plurality of physical cards 'A physical card, a B physical card, a C virtual card, and a D virtual physical card owned by the owner of the' The mobile card list including the 'A card, the B card, and the C card' which can issue a mobile card among the 'card' can be displayed on the display unit 230.

In this case, the control unit 240 can transmit the information about the detected real card to the card issuer server 300 and receive the issued mobile card information from the card issuer server 300. This will be described in detail with reference to FIGS. 4 to 5. FIG.

In addition, the control unit 240 may perform an authentication process for the user. Here, the identity authentication is a process for confirming whether the user is authorized to use the physical card, for example, a first authentication process for confirming that the owner of the real card is the owner, and an example of checking whether the user is authorized to issue the selected mobile card. And may include a secondary authentication process that confirms the owner of the mobile card. In this case, the control unit 240 may display a personal authentication screen on the display unit 230 in order to perform primary and secondary authentication, and may input a PIN (Personal Identification Number), a fingerprint, When a user's face image photographed by a camera installed in a predetermined area of the automation apparatus 200 is inputted, the user's face image can be transmitted to the card issuer server 400, and the card issuer server 400 can perform the identity authentication based on this.

The time point at which the above-described primary and secondary authentication are performed may be changed according to an embodiment of the present invention. For example, when the user selects the mobile card issuing menu and reads the physical card to the automated teller machine, the controller 240 performs a first authentication process to confirm the owner of the physical card before displaying the issuable mobile card Or if the user selects issuance of a mobile card corresponding to the physical card on the displayed screen, the control unit 240 may perform a primary authentication process to confirm that the physical card is the owner.

On the other hand, both of the above-described primary and secondary authentication may be performed, or only one of the primary and secondary authentication may be performed. For example, when the user selects the mobile card issuing menu, reads the physical card to the automated teller machine, completes the first authentication process to confirm the owner of the physical card, and then issues the mobile card corresponding to the physical card Upon request, the secondary authentication process may be omitted.

The control unit 240 may also display a phone number input screen of the mobile terminal to which the issuance of the issuance request is issued on the display unit 230 when an approval response to the issuance request of the mobile card is received from the card issuer server 300 .

Here, the telephone number input screen may include a mobile terminal telephone number display area of the physical card holder registered in the card issuer server 300, and a telephone number input area of the mobile terminal to which the mobile card is to be issued.

If the user does not input a separate telephone number in the telephone number input area, the control unit 240 may request the card issuer server 300 to issue a mobile card to the mobile terminal of the registered real card holder. However, when the user inputs a separate telephone number in the telephone number input area, the control unit 240 may request the card issuer server 300 to issue a mobile card to the mobile terminal corresponding to the telephone number input from the user .

The automated teller machine 200 according to an embodiment of the present invention may further include an input unit for receiving a user input for operating the automatic teller machine 200. Here, the input unit may include various types of buttons, a touch sensor that receives a touch input to the display unit 230, a proximity sensor that receives motion that is not directly connected to the surface of the display unit 230, And a microphone. However, the present invention is not limited thereto and may be implemented in any form capable of receiving a user's input.

In addition, the automated teller machine 200 according to an embodiment of the present invention may include a storage unit for storing various data and programs necessary for operation and a process of performing a predetermined function (for example, a cash entry / exit class) and / And a printing unit performing a function of printing predetermined information or data to be generated.

4 is a flowchart illustrating an operation of the automated teller machine according to an exemplary embodiment of the present invention. Referring to FIG. 4, the automated teller machine 200 reads the physical card (S201). When the physical card is read, information about the physical card is detected (S202).

Then, the automated teller machine 200 may perform a first authentication process to confirm whether the user is authorized to use the physical card, for example, the owner of the physical card (S203).

Then, the automated teller machine 200 can transmit the information on the leading physical card and the primary authentication information to the card issuer server 300 (S204). Here, the information on the physical card may include at least one of owner information such as the owner name of the real card, date of birth, date of the card, number information, and valid period information. The authentication information may include at least one of PIN (Personal Identification Number) information, fingerprint information, and user face image information shot by a camera installed in a predetermined area of the automatic teller machine 200.

In this case, the card issuer server 300 determines whether or not the authentication is approved. If it is determined that the authentication is approved, the card company server 300 can generate a mobile card list that can be issued by the owner of the physical card read using the information about the physical card.

Then, the automated teller machine 200 can receive and display the mobile card list from the card issuer server 300 (S205). For example, the display unit 230 may display a thumbnail image, a card number, a user name, etc. of each mobile card included in the mobile card list on the screen.

When the mobile card to be issued is selected from the mobile card list, the automated teller machine 200 can perform a second authentication process to confirm that the selected mobile card is authorized to issue, for example, an owner of the mobile card (S206). Here, if the mobile card selected in the mobile card list is a mobile card corresponding to the physical card, the secondary authentication process may be omitted. For example, if the leading physical card is the 'A physical card' and the selected mobile card is the 'A mobile card' for the 'A physical card', since the primary authentication has already been performed in the previous step, The secondary authentication process may be omitted. However, if the mobile card selected in the mobile card list is not a mobile card corresponding to the physical card, the secondary authentication process can be performed. For example, if the leading physical card is an 'A physical card' and the selected mobile card is a 'B mobile card' rather than a 'mobile card for the' A physical card ' A second authentication process can be performed to confirm that the user is authorized to issue a 'card'. Here, the secondary authentication can be performed in the same manner as the primary authentication.

Then, the automated teller machine 200 may transmit the mobile card issuance request including the information on the selected mobile card and the secondary authentication information to the card issuer server 300 (S207).

In this case, the card issuer server 300 determines whether the authentication is approved. If it is determined that the authentication is approved, the card issuer server 300 may request the financial automation device 200 to confirm the telephone number of the mobile terminal to which the mobile card is to be issued.

In this case, the automated teller machine 200 may display a telephone number input screen of the mobile terminal to which the mobile card is to be issued.

5 is a flowchart illustrating an operation of a financial automatic machine according to another embodiment of the present invention. Referring to FIG. 5, the automatic teller machine 200 reads the physical card (S301), and when the physical card is read, information on the physical card can be detected (S302).

Then, the automated teller machine 200 may perform a first authentication process to confirm whether the user is authorized to use the physical card, for example, the owner of the physical card (S303).

Then, the automated teller machine 200 can transmit the information on the leading physical card and the primary authentication information to the card issuer server 300 (S304).

In this case, the card issuer server 300 determines whether or not the authentication is approved. If it is determined that the authentication is approved, the card company server 300 can generate the mobile card information corresponding to the physical card using the information about the physical card.

Then, the automated teller machine 200 receives and displays the mobile card information corresponding to the physical card read from the card issuer server 300 (S305). For example, the display unit 230 may display a thumbnail image, a card number, a user name, and the like of the mobile card corresponding to the leading physical card on the screen. That is, the mobile card 'A mobile card' for the read 'A physical card' can be displayed as an issuable mobile card.

Then, the automated teller machine 200 may transmit an issuance request for the mobile card to the card issuer server 300 (S306). In this case, since the authentication of the 'A physical card' is performed at the previous first authentication stage, the second authentication process for issuing the 'A mobile card' may be omitted.

In this case, the card issuer server 300 may request the financial automation device 200 to confirm the telephone number of the mobile terminal to which the mobile card is to be issued.

In this case, the automated teller machine 200 may display a telephone number input screen of the mobile terminal to which the mobile card is to be issued.

6 is a block diagram illustrating a card issuer server according to an embodiment of the present invention. 6, the card issuer server 300 includes all or part of a communication unit 310, a determination unit 320, a storage unit 330, and a control unit 340.

The communication unit 310 enables the card issuer server 300 to perform communication with another device. In particular, the communication unit 310 may receive a mobile card issuance request to issue a mobile card to the mobile terminal from the automated teller machine 200. In addition, the communication unit 310 may transmit a message including the URL information capable of issuing the mobile card to the mobile terminal 100 through the message server 400. [

Here, the communication unit 310 may be connected in a wireless or wired manner via a local area network (LAN) and an Internet network, a form connected through a USB (Universal Serial Bus) port, a mobile communication network Or a form of being connected through a short-range wireless communication method such as NFC (Near Field Communication), Radio Frequency Identification (RFID), Wi-Fi, or the like.

The determination unit 320 may determine whether the first and second authentication steps performed in the automated teller machine 200 have been approved. Specifically, the determination unit 320 can determine whether the first authentication is approved by applying the authentication information such as the PIN for the physical card, and information about the real card, such as the card number, to Table 1 below.

In addition, the determination unit 320 may determine approval or disapproval of the secondary authentication by applying the authentication information such as the PIN for the mobile card and the information about the mobile card such as the card number to Table 1 below.

The storage unit 330 stores various data and programs necessary for the operation of the card issuer server 300. In particular, the storage unit 330 may store the physical card information, authentication information, and whether or not the mobile card can be issued for each of the physical cards issued by a plurality of owners. For example, the storage unit 330 may be stored as shown in Table 1 below.

Owner Information card number PIN Whether mobile cards can be issued Phone number A
Card number 1 0000 o Phone number 1
Card number 2 0001 x B
Card number 3 1111 o Phone number 2
Card number 4 2222 o

Herein, the storage unit 330 may be a RAM (Random Access Memory), a flash memory, a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EEPROM (Electronically Erasable and Programmable ROM) A memory card, or the like, as well as a detachable type storage device such as a USB memory.

The storage unit 330 may be implemented in the card issuer server 300 or in the form of an external database connected to the card issuer server 300.

The control unit 340 controls the overall operation of the card issuer server 300. Specifically, the control unit 340 may control all or a part of the communication unit 310, the determination unit 320, and the storage unit 330.

In particular, the control unit 340 may apply the information on the physical card received from the financial automatic machine 200 to Table 1 to detect the physical card capable of issuing the mobile card from among the plurality of physical cards owned by the user of the physical card have. The control unit 340 may generate a mobile card list that can be issued based on the detected physical card and may control the communication unit 310 to transmit the generated mobile card list to the automated teller machine 200.

If the mobile card issuance request is approved as a result of the determination by the determination unit 320, the controller 340 accesses the mobile terminal to generate a message including the URL information capable of issuing the mobile card, and transmits the generated message to the mobile terminal The communication unit 310 can be controlled. Here, information on the mobile card for which the issuance request is approved, for example, a card number, a thumbnail image, an owner name, an expiration date, and the like may be stored in the area of the card issuer server 300 corresponding to the URL information.

7 is a flowchart illustrating an operation of a card issuer server according to an embodiment of the present invention. Referring to FIG. 7, the card issuer server 300 may receive a mobile card issuance request for issuing a mobile card to the mobile terminal from the banking automation device 200 (S401).

The card issuer server 300 can determine whether the received mobile card issuance request is approved. For example, the card issuer server 300 approves the request for issuing the mobile card if the PIN for the mobile card requested to be issued matches, and disables the request for issuing the mobile card if the PIN is inconsistent (S402).

Then, the card issuer server 300 can access the mobile terminal 100 to generate the URL information capable of issuing the mobile card at the time of approval (S403).

Then, the card issuer server 300 can transmit the generated URL information to the mobile terminal 100 (S404).

8 is a block diagram illustrating a mobile terminal in accordance with an embodiment of the present invention. 8, the mobile terminal 100 includes all or a part of the storage unit 110, the communication unit 120, and the control unit 130. As shown in FIG.

The storage unit 110 stores various data and programs necessary for the operation of the mobile terminal 100. In particular, the storage unit 110 may download the 'issuance application' related to issuance of the mobile card from the application providing server and store it.

In addition, the storage unit 110 may store the issued mobile card. For example, the storage unit 110 may store information on the issued mobile card in the SE area of the USIM, in the SE area of the financial MicroSD, or in an app card format. Here, the app card is an application-type mobile card, and may be a card which can be registered in an application and used in an on-line merchant without storing card information in the USIM (invisible card).

Herein, the storage unit 110 may be a RAM (Random Access Memory), a flash memory, a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an Electrically Erasable and Programmable ROM (EEPROM), a register, a hard disk, A memory card, or the like, as well as a detachable type storage device such as a USB memory.

The communication unit 120 enables the mobile terminal 100 to perform communication with another device. In particular, when the issuance of the mobile card using the automated teller machine 200 is requested, the communication unit 120 can receive the URL information for issuing the mobile card from the card issuer server 300 corresponding to the issued mobile card. More specifically, the communication unit 120 transmits the URL information transmitted from the card issuer server to a format such as a text message format such as SMS (Short Message Service), MMS (Multi-media Message Service), PUSH message As shown in FIG.

Here, the communication unit 120 may be connected in a wireless or wired manner via a local area network (LAN) and the Internet, a form connected through a USB (Universal Serial Bus) port, a mobile communication network Or a form of being connected through a short-range wireless communication method such as NFC (Near Field Communication), Radio Frequency Identification (RFID), Wi-Fi, or the like.

The control unit 130 controls the overall operation of the mobile terminal 100. Specifically, the control unit 130 can control all or a part of the storage unit 110 and the communication unit 120. [

In particular, the control unit 130 may access the card issuer server 300 using the received URL information to control the mobile card to be issued to the storage unit 110. [ Specifically, the display unit of the mobile terminal 100 can display a message including the received URL information, and when the URL information in the message is selected by the user, the control unit 130 transmits the URL information to the card issuer server 300 ). When receiving the information about the mobile card for which the issuance request is approved through the URL, for example, the card number, the thumbnail image, the owner name, the valid period, etc., To be issued to the storage unit 110. [0050] FIG. In this case, the controller 130 may store information on the received mobile card in the SE area of the USIM, the SE area of the financial MicroSD, or in the form of an app card.

9 is a flowchart illustrating an operation of a mobile terminal according to an exemplary embodiment of the present invention. Referring to FIG. 9, if a mobile card issuance request is made using the automated teller machine 100, URL information for issuing a mobile card can be received from the card issuer server 300 corresponding to the mobile card (S501) .

Then, the mobile card can be issued by accessing the card company server using the received URL information (S502).

Meanwhile, the control method of the financial automation device, the mobile terminal, and the card issuer server according to various embodiments of the present invention may be implemented in the form of installation data and stored in various non-transitory computer readable media. Or devices. Accordingly, each device can access the server or the device in which the installation data is stored, and download the installation data.

A non-transitory readable medium is a medium that stores data for a short period of time, such as a register, cache, memory, etc., but semi-permanently stores data and is readable by the apparatus. In particular, the various applications or programs described above may be stored on non-volatile readable media such as CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM,

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

100: mobile terminal 200: financial automation equipment
300: Card issuer server 400: Message server

Claims (21)

A control method for a financial automatic machine,
Reading a physical card for a financial transaction;
Displaying an issuable mobile card of an owner of the leading physical card; And
And transmitting the issuance request of the mobile card corresponding to the selection to the card company server when the mobile card to be issued is selected on the displayed screen. The method according to claim 1,
Displaying a plurality of menus including a mobile card issuing menu; And
Further comprising: detecting the information about the physical card when the mobile card issuing menu is selected and the physical card is read,
The information about the physical card is,
The card number information, and the validity period information. 3. The method of claim 2,
Wherein the displaying comprises:
And transmitting information about the leading physical card to the card company server, and receiving from the card company server a list of mobile cards that can be issued by the owner of the leading physical card,
The step of transmitting the mobile card issuance request to the card issuer server comprises:
And transmits a mobile card issue request including a PIN (Personal Identification Number) to the selected mobile card in the mobile card list. The method according to claim 1,
Wherein the displaying comprises:
And displaying the mobile card corresponding to the leading physical card as an issuable mobile card. The method according to claim 1,
Further comprising the step of displaying a phone number input screen of the mobile terminal to which the issued mobile card is issued when the mobile card issuing request is approved by the card company server. A method of controlling a card issuer server,
Receiving a mobile card issuance request for issuing a mobile card from a financial automation device;
Determining whether the received mobile card issuing request is approved;
Upon approval, generating URL (Uniform Resource Locator) information through which the mobile terminal can access and issue the mobile card; And
And transmitting the generated URL information to the mobile terminal. The method according to claim 6,
Receiving information on a physical card that is read in the automated teller machine;
Detecting a physical card capable of issuing a mobile card among a plurality of physical cards of the physical card holder using information on the received physical card; And
Generating a mobile card list capable of issuing a mobile card based on the detected physical card, and transmitting the generated list to the financial automation device. A method for controlling a mobile terminal,
Receiving URL information for issuing a mobile card from a card company server corresponding to the mobile card when requesting issuance of a mobile card using the automated teller machine; And
And receiving the mobile card by accessing the card company server using the received URL information. 9. The method of claim 8,
The mobile card issuing request includes:
And the user of the mobile terminal reads the physical card for the financial transaction to the financial automatic machine. 9. The method of claim 8,
The issuing step includes:
And storing the mobile card in an SE (Secure Element) area or in an app card format. In a financial automatic machine,
A communication unit;
A reader unit for reading a physical card for financial transactions;
A display unit for displaying a mobile card which can be issued by the owner of the leading physical card; And
And a controller for controlling the communication unit to transmit an issuance request of the mobile card corresponding to the selection to the card company server when the mobile card to be issued is selected on the displayed screen. 12. The method of claim 11,
The display unit includes:
Displaying a plurality of menus including a mobile card issuing menu,
Wherein,
When the mobile card issuing menu is selected and the physical card is read, information on the physical card is detected,
The information about the physical card is,
The card number information, and the validity period information. 12. The method of claim 11,
Wherein,
The information about the leading physical card is transmitted to the card company server to receive a mobile card list that can be issued by the owner of the leading physical card from the card company server,
Wherein,
And controls the communication unit to transmit a mobile card issue request including a PIN (Personal Identification Number) to the selected mobile card in the mobile card list. 12. The method of claim 11,
The display unit includes:
And displays the mobile card corresponding to the leading physical card as a mobile card that can be issued by the user. 12. The method of claim 11,
The display unit includes:
And displays a phone number input screen of the mobile terminal to which the issued mobile card is issued when the card issuance request is approved by the card company server. In the card issuer server,
A communication unit for receiving a mobile card issuance request for issuing a mobile card to a mobile terminal from a financial automatic machine;
A determination unit for determining whether the received mobile card issuing request is approved; And
And a control unit for controlling the communication unit to transmit the generated URL information to the mobile terminal when the mobile terminal is approved, to generate URL (Uniform Resource Locator) information enabling the mobile terminal to issue the mobile card, . 17. The method of claim 16,
Wherein,
Receiving information on the physical card that has been read by the automated teller machine,
Wherein,
Detecting a physical card capable of issuing a mobile card among a plurality of physical cards of the physical card holder using information on the received physical card, generating a mobile card list capable of issuing a mobile card based on the detected physical card, And controls the communication unit to transmit the information to the financial automation equipment. In a mobile terminal,
A storage unit;
A communication unit for receiving URL information for issuing a mobile card from a card company server corresponding to the mobile card when a mobile card issuance request is made using the financial automation device; And
And a controller for accessing the card company server using the received URL information and controlling the mobile card to be issued to the storage unit. 19. The method of claim 18,
The mobile card issuing request includes:
And the user of the mobile terminal reads the physical card for the financial transaction to the automated teller machine. 19. The method of claim 18,
Wherein,
Wherein the mobile card is stored in a secure element (SE) area or in an app card format. A computer-readable recording medium having recorded thereon a program code for performing the control method recited in any one of claims 8 to 10.

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