KR100837301B1 - System and method for providing cash advance service in mobile station payment portal service - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to an apparatus for cash broker service using a wireless communication network, a method thereof, and a computer-readable recording medium storing a program for realizing the method.

2. The technical problem to be solved by the invention

The present invention uses a wireless terminal equipped with a medium (IC chip, etc.) equipped with a service authentication module (service application that can identify / identify members) for a cash service in a wireless terminal, and at the time of cash service. The present invention provides a cash mediation service apparatus and method thereof for preventing the leakage of an external password and preventing duplication and theft, and a computer readable recording medium recording a program for realizing the method.

3. Summary of Solution to Invention

The present invention provides a cash service brokering method applied to a cash service brokerage apparatus, comprising: a first step of registering a cash service authentication module for a cash service on a medium of a wireless terminal; A second step of authenticating the cash service request information received from the wireless terminal through a financial network via a financial automation device; A third step of generating, according to the authentication result of the second step, the authorization request information of the member based on the successful cash service request information and transferring the authorization request information to the credit card company to which the member is registered; And encrypting the transaction authorization information from the credit card company and transmitting the transaction authorization information to the financial automation device through the financial network.

4. Important uses of the invention

The present invention is used for authentication services using a wireless terminal.

Wireless Terminals, Cash Services, Media, Credit Cards, Service Applications

Description

Cash mediation service apparatus using wireless communication network and method thereof {System and method for providing cash advance service in mobile station payment portal service}             

1 is an exemplary configuration of a cash service system to which the present invention is applied.

Figure 2 is a configuration diagram of one embodiment of a cash intermediary service apparatus according to the present invention.

Figure 3 is a flow diagram of an embodiment of a cash service request process of the cash intermediary service method according to the present invention.

Figure 4 is a flow diagram of an embodiment of the cash service approval process of the cash brokerage service method according to the present invention.

* Explanation of symbols for the main parts of the drawings

10: wireless terminal (MS) 20: financial automation equipment

30: cash advance broker (MHP Portal) 40: credit card company

The present invention relates to an apparatus for cash broker service using a wireless communication network, a method thereof, and a computer-readable recording medium storing a program for realizing the method.

Conventional cash advance systems use credit cards to recognize that you are a member of a credit card company that offers cash advances, a user interface for transactions for cash advances, and financial automation devices (CD / ATM, KIOSK) for cash releases. It also consists of a network that connects financial automation devices and credit card companies, and a credit card company approval system that examines / approves cash service requests.

However, there is a security problem in cash services using such an environment, and it is possible to steal cash services by others. In other words, when requesting a cash service, there is a problem that a password entered by a member may leak due to the mechanical / electronic characteristics of the current financial automation device (CD / ATM, KIOSK). In addition, there was a problem that the credit card duplication used for cash services is easy.

The present invention has been proposed to solve the above problems, and includes a medium (IC chip, etc.) equipped with a service authentication module (service application for identifying / confirming a member) for a cash service in a wireless terminal. By using a wireless terminal equipped with a medium at the time of cash service, the cash mediation service apparatus and method for preventing the leakage of an external password, and copying and theft, and a computer for recording the program for realizing the method The purpose is to provide a recording medium that can be used.

The present invention for achieving the above object, in the cash service brokerage apparatus, in connection with the financial network, from the wireless terminal equipped with a medium equipped with a "cash service authentication module issued for the registered service member" financial automation equipment Financial network access means for receiving the password and cash service request information through, and transmits the transaction approval information to the financial automation device; Security management means for authenticating the password and the cash service request information from the financial network access means, encrypting the transaction approval information, and transferring the encrypted transaction approval information to the financial network access means; Cash service intermediary means for generating approval request information of the member based on the password and the cash service request information successfully authenticated by the security management means, and transferring the transaction approval information for the approval request to the security management means; Credit card company access means for transferring the authorization request information from the cash service mediation means to a credit card company to which the member subscribes, and transferring the transaction authorization information from the credit card company to the cash service mediation means; And transaction history management means for managing a cash service transaction history in association with the cash service mediation means.

On the other hand, the present invention, a cash service brokering method applied to the cash service brokerage apparatus, comprising the steps of registering a cash service authentication module for the cash service on the medium of the wireless terminal, the service registered member; Authenticating the password and the cash service request information received from the wireless terminal via a financial network via a financial automation device; Generating, according to the authentication result, the approval request information of the member based on the successfully authenticated password and the cash service request information, and transferring the approval request information to the credit card company to which the member is registered; And encrypting transaction approval information from the credit card company corresponding to the authorization request information and transmitting the encrypted transaction authorization information to the financial automation device through the financial network.

In addition, the present invention is characterized in that the financial automation device further comprises the step of performing a known cash service function according to the transaction approval information.

On the other hand, the present invention, in the cash service intermediary device having a processor, a function for registering a cash service authentication module for the cash service in the medium of the wireless terminal for the service registered member; A function of authenticating a password and cash service request information received from the wireless terminal via a financial network via a financial automation device; A function of generating approval request information of a corresponding member based on the successful password and cash service request information according to the authentication result, and transferring the approval request information to a credit card company to which the corresponding member is registered; And a computer-readable recording medium having recorded a program for realizing a function of encrypting transaction approval information from the credit card company with respect to the authorization request information and transmitting the encrypted transaction authorization information to the financial automation device through the financial network.

The present invention also provides a computer-readable recording medium having recorded thereon a program for the financial automation device to further realize a function of performing a known cash service function according to the transaction approval information.

The present invention provides a member (Chip, etc.) equipped with a service authentication module (service (credit card) application for identifying / confirming a member) for a cash service in a wireless terminal instead of an existing credit card for checking a member required for providing cash services. To minimize the possibility of replication and theft.

In addition, in the present invention, the password is input through a wireless terminal owned by a member, not a financial automation device (CD / ATM, KIOSK), thereby minimizing the possibility of external leakage of the password.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is an exemplary configuration diagram of a cash service system to which the present invention is applied. In the drawing, "10" is a mobile terminal (MS), "20" is a financial automation device (CD / ATM, KIOSK), and "30". Denotes a cash advance broker (MHP Portal), and "40" denotes a credit card company, respectively.

The wireless terminal (MS) 10 and the financial automation device (CD / ATM, KIOSK) 20 are connected via a wireless communication network (preferably a local area wireless communication network), and the financial automation device (CD / ATM, KIOSK) 20 ) Is connected to the cash service broker (MHP Portal) 30 through the financial network. In addition, the cash intermediary (MHP Portal) 30 and the credit card company 40 is connected by a dedicated communication line.                     

The wireless terminal (MS) 10 is provided with a medium (IC chip, etc.) having a service authentication module (service (credit card) application capable of identifying / confirming a member) for a cash service.

The wireless terminal (MS) 10 is establishing a communication environment in which the mobile terminal 20 can be connected to the financial automation device 20 through a local area wireless communication network, and can be connected to the MHP portal 30 through the financial network again. The short range wireless communication network may be a synchronous / asynchronous short range wireless network such as a wireless data network, a mobile communication network, a personal mobile communication network (PCS), and a next generation mobile communication network (IMT-2000).

Accordingly, the mobile terminal (MS) 10 may be a mobile communication terminal such as a cellular phone or a personal communication system (PCS) phone, a next generation mobile communication terminal such as an International Mobile Telecommunication Service (IMT-2000), or the like.

The medium (IC chip, etc.) is equipped with a service authentication module (service (credit card) application that can identify / identify members) necessary for cash service.

In order to make a cash service through a wireless terminal (MS) 10, a user first joins a membership management system (MHP Portal), becomes a member, and then services a cash service to his or her wireless terminal (MS) 10. Install a medium (IC chip, etc.) equipped with an authentication module (a service (credit card) application that can identify / identify members), become a member of a credit card company 40 who wishes to receive cash services, and then apply to the credit card company 40 You must first download your credit card application to the media.                     

Then, a process of registering a service authentication module required for cash service on a medium (IC chip, etc.) mounted in the wireless terminal (MS) 10 will be described in more detail.

First, as a prerequisite, a member management system (MHP Portal) distributes a medium (IC chip, etc.) equipped with a service authentication module (a service (credit card) application capable of identifying / confirming a member), and the medium is a wireless carrier branch. Suppose it is available at a dealer.

First, when a wireless communication user (customer) visits a wireless carrier branch / distributor and fills out a member registration application form, the wireless carrier branch / distributor inputs registration application information through a terminal (PC, etc.) to manage a member management system (MHP Portal). ). Accordingly, the member management system transmits a member registration confirmation message to the wireless terminal (MS) 10 after registering as a member.

Next, the medium is mounted in the wireless terminal (MS) 10 at the wireless communication company point / agent. Subsequently, when a service opening application message is created from the wireless carrier branch / distributor to the wireless terminal (MS) 10 and sent to the member management system (MHP Portal), the member management system (MHP Portal) issues information according to the requesting customer. And download application information and application programs generated by generating an application program to a medium in the wireless terminal (MS) 10.

Next, the wireless carrier point / agency pays the customer a wireless terminal (MS) (10) equipped with the issued information and the application is downloaded to the customer, when the customer receives it, the service authentication module for cash service The registration process is complete.                     

The customer possesses a wireless terminal (MS) 10 equipped with a medium (IC chip, etc.) equipped with a service authentication module (service (credit card) application capable of identifying / confirming a member) required for cash service, and has a financial automation device. Visit the (CD / ATM, KIOSK) 20, and enter the password through your wireless terminal (MS) 10 to receive a cash service.

2 is a configuration diagram of an embodiment of a cash intermediary service apparatus according to the present invention, in which "31" is a financial network connection processing unit, "32" is a security management unit, "33" is a cash service intermediary processing unit, and "34" is The transaction history management unit, "35" represents a transaction history database, and "36" represents a credit card company connection processing unit, respectively.

As shown in FIG. 2, the cash intermediary service device (MHP Portal) 30 according to the present invention is linked to a financial network, and a cash service authentication module (a service (credit card) application capable of identifying / identifying members). Financial network connection processing unit for receiving the cash service request information from the wireless terminal (MS) 10 equipped with a medium through the financial automation device 20, and transmits the transaction approval information to the financial automation device 20 ( 31, the security management unit 32 for authenticating the cash service request information from the financial network connection processing unit 31, encrypting the transaction approval information, and transmitting the encrypted transaction approval information to the financial network connection processing unit 31; The cash service brokerage processing unit 33 generates the approval request information of the corresponding member based on the authentication successful cash service request information, and transfers the transaction approval information for the approval request to the security management unit 32, and among the cash services. Access to the credit card company that transfers the authorization request information from the processing unit 33 to the credit card company 40 to which the member subscribes, and transfers the transaction approval information from the credit card company 40 to the cash service brokerage processing unit 33. It includes a processing unit 36 and a transaction history management unit 34 in association with the cash service brokerage processing unit 33 to store and manage the cash service transaction details in the transaction history database 35.

Looking at the operation of the cash service broker (MHP Portal) 30 according to the present invention having the configuration as described above are as follows.

First, when a user, that is, a member, requests a cash service through a wireless terminal (MS) 10 and a financial automation device (CD / ATM, KIOSK) 20, the cash service request information is sent to the financial network access processing unit ( 31).

In response to the received request, the security management unit 32 checks whether the request is made by a legitimate user, and transfers the request to the cash service brokerage processing unit 33 at the normal confirmation, and the credit card company through the credit card company access processing unit 36. Send the approval request details to 40. Subsequently, the result of the approval examination from the credit card company 40 is transferred to the cash service broker processing unit 33 through the credit card company connection processing unit 26.

Thereafter, the cash service intermediation processing unit 33 transmits a transaction rejection message to the security management unit 32 when the transaction is rejected, and a transaction approval message when the transaction is approved based on the result of the approval review.

Then, the security management unit 32 encrypts the message from the cash service brokerage processing unit 33 and transmits it to the financial network through the financial network connection processing unit 31 to transmit the financial automation device 20 and the wireless terminal (MS) 10. To be sent).                     

If the transaction is approved, the wireless terminal (MS) 10 sends the result status of this work back to the cash service intermediary device 30, and this information is transferred to the financial network access processing unit 31 and the security management unit 32. , The transaction history management unit 34 is passed through the cash service brokerage processing unit 33 to update the transaction history database 35.

3 is a flowchart illustrating an embodiment of a cash service request process in a cash brokerage service method according to the present invention.

First, the user first joins the membership management system (MHP Portal) and becomes a member, and then, on his wireless terminal 10, a service authentication module (service (credit card) application for identifying / confirming a member) for cash service Install the provided media (IC chip, etc.), become a member of the credit card company 40 who wants to receive cash service, and download the credit card application of the credit card company 40 to the medium, and later the wireless terminal (MS) ( You can receive cash service through 10).

When the member who wants to receive the cash service presses the cash service request button (for example, "# 1", etc.) previously contracted to the wireless terminal (MS) 10 (301), the wireless terminal (MS) 10 The service authentication information is transmitted to the financial automation device (CD / ATM, KIOSK) 20 (302). In contrast, the financial automation device (CD / ATM, KIOSK) 20 authenticates the service (303), and returns the authentication result back to the wireless terminal (MS) 10 (304).

Then, the wireless terminal (MS) 10 displays a password input request message (305), and receives a password from the customer (306).

After that, the wireless terminal (MS) 10 encrypts the password and the cash service request information and transmits it to the financial automation device (CD / ATM, KIOSK) 20 (307), and the financial automation device (CD / ATM, KIOSK). In operation 20, the received password and the cash service request information are encrypted and transmitted to the cash service intermediary device (MHP Portal) 30 through the financial network, and the client waits for a response.

Next, when the cash service request response information is received from the cash advance broker (MHP Portal) 30 through the financial network, the financial automation device (CD / ATM, KIOSK) 20 based on the cash service request response information. The approval is confirmed (309), and if approved, the cash is released (310). If it is not approved, the reason for rejection is displayed on the screen (312). Thus, the customer receives cash or reason for refusal (311, 313).

Meanwhile, the password and the cash service request information are encrypted through the financial network and transmitted to the cash service broker (MHP Portal) 30, and the cash service request response information is received from the cash service broker (MHP Portal) 30. The process will be described in more detail with reference to FIG. 4.

Figure 4 is a flow diagram of an embodiment of the cash service approval process of the cash brokerage service method according to the present invention.

First, when the encrypted password and the cash service request information are received through the financial network, the encrypted password and the cash service request information are decrypted by the cash service broker (MHP Portal) 30 (401), and the decryption result is authenticated. In step 402, when the authentication fails, a rejection response is transmitted to the financial network as the cash service request response information (404), and the credit card company 40 to which the customer has subscribed the decrypted password and the cash service request information at the authentication success. 405.

Thereafter, the credit card company 40 checks the password and examines the limit amount (406), and depending on whether or not the authorization (407), the approval response or rejection response as the cash service request response information is financed through the cash service intermediary device (30). Transmission on the network (408 ~ 410).

The method of the present invention as described above may be implemented as a program and stored in a computer-readable recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.).

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

As described above, the present invention is a medium having a service authentication module (service (credit card) application for identifying / confirming a member) for a cash service in a wireless terminal instead of an existing credit card. (IC chip, etc.) can be used to minimize the possibility of replication and theft.

In addition, the present invention has the effect of minimizing the possibility of external leakage of the password by inputting the password through the wireless terminal owned by the member, not the financial automation device (CD / ATM, KIOSK).

Claims (8)

In the cash service brokerage device, Receive password and cash service request information through a financial automation device from a wireless terminal equipped with a medium equipped with a 'cash service authentication module issued to a registered service member' in connection with a financial network and recall the transaction approval information. Financial network connection means for transmitting to a financial automation device; Security management means for authenticating the password and the cash service request information from the financial network access means, encrypting the transaction approval information, and transferring the encrypted transaction approval information to the financial network access means; Cash service intermediary means for generating approval request information of the member based on the password and the cash service request information successfully authenticated by the security management means, and transferring the transaction approval information for the approval request to the security management means; Credit card company access means for transferring the authorization request information from the cash service mediation means to a credit card company to which the member subscribes, and transferring the transaction authorization information from the credit card company to the cash service mediation means; And Transaction history management means associated with the cash service mediation means for managing the cash service transaction history Cash mediation service device using a wireless communication network comprising a. The method of claim 1, The wireless terminal, In connection with the financial automation device through a short range wireless communication network, the password and cash service request information is transmitted to the financial network, and the wireless service request response information (acknowledgment result) is received from the financial network. Cash mediation service device using a communication network. The method according to claim 1 or 2, The cash service authentication module, A service (credit card) application module capable of identifying / confirming a member who wants to receive a cash service, wherein the cash broker service apparatus is downloaded to the medium for a registered member. A cash service brokering method applied to a cash service brokering device, Registering, for a service registered member, a cash service authentication module for cash service in a medium of a wireless terminal; Authenticating the password and the cash service request information received from the wireless terminal via a financial network via a financial automation device; Generating, according to the authentication result, the approval request information of the member based on the successfully authenticated password and the cash service request information, and transferring the approval request information to the credit card company to which the member is registered; And Encrypting the transaction authorization information from the credit card company for the authorization request information and transmitting the encrypted transaction authorization information to the financial automation device through the financial network; Cash broker service method using a wireless communication network comprising a. The method of claim 4, wherein The financial automation device performing a known cash service function according to the transaction approval information Cash broker service method using a wireless communication network further comprising. The method according to claim 4 or 5, The cash service authentication module, A service (credit card) application module capable of identifying / identifying a member who wishes to receive a cash service, wherein the cash broker service method is downloaded to the medium for a registered member. In a cash advance broker with a processor, Registering, for a service registered member, a cash service authentication module for a cash service in a medium of a wireless terminal; A function of authenticating a password and cash service request information received from the wireless terminal via a financial network via a financial automation device; A function of generating approval request information of a corresponding member based on the successful password and cash service request information according to the authentication result, and transferring the approval request information to a credit card company to which the corresponding member is registered; And Encrypting transaction authorization information from the credit card company for the authorization request information and transmitting the encrypted transaction authorization information to the financial automation device through the financial network; A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 7, wherein A function of the financial automation device to perform a known cash service function according to the transaction approval information A computer-readable recording medium that records a program for further realization.

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