KR20070103263A - Financial information processing method which uses the short distance radio communication financial automation machine - Google Patents

Abstract

A financial information processing method which uses a short distance radio communication financial automation machine is provided to maintain the high level of security by transmitting financial information such as account number information through a predetermined encryption algorithm. A financial information processing method which uses a short distance radio communication financial automation machine includes an RF(Radio Frequency) card(300), a wireless communication unit(310) having an authentication unit(320), an automatic teller machine(330), and a server(340). If a personal information terminal or the RF card accesses to an automatic teller machine at a predetermined distance, an authentication module provided at one side of the automatic teller machine receives wireless data from the personal information terminal or the RF card. The received wireless data is supplied to an upper HOST server or the automatic teller machine. Whereas the financial information of a corresponding user from the automatic teller machine is encoded/decoded to be supplied to the corresponding automatic teller machine or the upper HOST server.

Description

Financial information processing method which uses the short distance radio communication financial automation machine}

1 is a block diagram of a financial information processing system using a conventional financial automatic device

Figure 2 is a financial information processing method using a conventional financial automated device

3 is a first method for processing financial information using the automated teller machine according to the present invention.

4 is a second method for processing financial information using the automated teller machine according to the present invention.

The present invention relates to a financial information processing method using a financial automatic device for short-range wireless communication that can process a financial service by contacting an IC card with a financial automated device, and more particularly, a personal information terminal having a non-contact IC chip. The present invention relates to a method for demonstrating and trading financial information by demodulating an RF signal generated from a contactless IC card. Herein, the financial information, including account information, loan information, credit information, and the like, will be described below with reference to account information.

The contactless IC chip or IC card can be assumed as an electronic bank account for depositing and depositing information such as deposits and loans, and can provide information such as deposit and withdrawal details and balances of accounts corresponding to the electronic bank account. have. In the current financial affairs, such electronic accounts are rapidly replacing IC cards such as cash cards or credit cards and Internet banking. In other words, most users are using bank services such as account inquiry, withdrawal and transfer using IC card or internet banking.

1 is a block diagram of a financial information processing system using a conventional automated teller machine.

Referring to the drawings, a user may perform a banking service using a contactless IC card 101 such as a cash card or credit card possessed by the user or a personal information terminal 100 having a contactless IC chip.

For example, the financial automated device 110 that receives the account information encrypted by a predetermined algorithm from the personal information terminal 100 having a non-contact IC card or a non-contact IC chip is an authentication module provided at one side of the financial automated device 110. After decoding the corresponding account information by the 120, obtain the account password from the user and access the corresponding HOST server 130.

The automated teller machine 110 may receive the account information corresponding to the requested account from the corresponding HOST server 130, display the received account information as an output device of the teller machine 110, and provide the same to the user. The automated teller machine 110 and the HOST server 130 are connected to a dedicated network.

Figure 2 is a financial information processing method using a conventional automated teller machine.

As shown in the drawing, the contactless IC card 200 receives a financial information inquiry signal from a wireless communication unit 211 for short range communication; Extracting, by the contactless IC card 200, the financial information (priority account information) corresponding to the financial information inquiry signal with a preset encryption algorithm and transmitting the extracted financial information to the wireless communication unit 211 for short-range communication; An authentication unit (212) decrypting the financial information and providing the short-range communication wireless communication unit (211); Transmitting, by the short-range communication wireless communication unit 211, the decrypted financial information to the automated teller machine 220; When the automated teller machine 220 obtains the financial account password from the user through the input device provided at one side, and transmits the transaction approval request message including the decrypted financial information to the HOST server 230, the corresponding HOST The server 230 responding to the transaction approval result; It consists of.

However, the existing financial information processing method is to perform the encryption / decryption step by a predetermined encryption algorithm only when transmitting and receiving financial information between the user's contactless IC card 200 and the automated teller machine 220, and as a dedicated network High security level by not performing separate encryption operation in data transmission / reception between the connected automated teller machine 220 and the corresponding HOST server 230, ie financial information such as financial information and account password obtained from the user. There is a problem that cannot be maintained.

In addition, when the financial automation device 220 and the corresponding HOST server 230 is connected to a financial common network in which multiple HOST servers of other operators are not connected to a dedicated network, the bank information and the account password information obtained from the user as in the prior art. Sending and receiving without encrypting the back can cause security problems.

Accordingly, the present invention has been made to solve the above problems, and while maintaining a high level of security using a contactless IC card, and can handle a variety of financial services, automated financial device for short-range wireless communication and its control method The purpose is to provide.

In particular, an object of the present invention is to provide high-level information by encrypting and transmitting financial information, such as account information and account password information, obtained from a user by a predetermined encryption algorithm when transmitting and receiving data between a financial automatic device connected to a conventional dedicated network and a corresponding HOST server. To maintain the security level.

In addition, another object of the present invention is financial information, such as account information and account password information obtained from the user even when the data transfer between the automated teller machine and the HOST server connected to the financial common network that multiple HOST server of multiple operators are connected multiplely It is possible to maintain a high level of security by encrypting and transmitting by a predetermined encryption algorithm.

Hereinafter, a preferred embodiment of a financial information processing method using a financial automation device for short-range wireless communication according to the present invention will be described in more detail with reference to the accompanying drawings. In addition, the financial information processing method according to the present invention can be applied in the same manner to the usage statement inquiry of credit cards and the like. Hereinafter, it will be collectively referred to as a HOST server including the bank server, the card company server, and the like, and will be described based on a case of inquiring account information for convenience of description.

3 is a first method for processing financial information using the automated teller machine according to the present invention.

First, according to the drawings, the present invention provides a radio frequency IC card 300; Short-range communication wireless communication unit 310 having an authentication unit 320; Financial automation equipment 330; HOST server 340; It includes.

In the present invention, the IC card refers to a personal information terminal or a contactless IC card equipped with a contactless IC chip. The IC card may be included in a personal information terminal (mobile communication terminal) that is currently commercialized in the form of a chip, and account information is displayed through an output device mounted in a financial automation device such as a liquid crystal display (LCD).

The IC card is a broad concept that includes financial functions such as general cash cards, credit cards, and prepaid cards.

Here, the automated teller machine is connected to a HOST server based on the financial common network, and the inside of the teller machine includes a wireless communication unit for short range communication for short distance communication capable of transmitting and receiving data wirelessly with a controller equipped with a microprocessor. can do.

On the other hand, the network that is connected between the automated teller machine and the HOST server is characterized in that it is connected to the financial common network in which multiple HOST servers of different operators are multiplexed.

The short-range communication short-range communication wireless communication unit may further include a wireless communication authentication unit for encrypting / decrypting the financial information received from the non-contact IC card, the wireless communication authentication unit is included in the automated teller machine according to an embodiment Can be.

In the first method of processing financial information using a financial automation device for short-range wireless communication,

Receiving, by the contactless IC card (300), a financial information inquiry signal from a wireless communication unit (310) for short range communication; The contactless IC card 300 encrypting and extracting financial information corresponding to the financial information inquiry signal by a predetermined encryption algorithm and transmitting the extracted financial information to the wireless communication unit 310 for short-range communication; Receiving, by the authentication unit 320, the financial information received from the short-range communication wireless communication unit 310, providing the short-term communication wireless communication unit 310 by decoding the financial information; Transmitting, by the short-range communication wireless communication unit (310), the decrypted financial information to the automated teller machine (330); Requesting encryption to the short-range communication wireless communication unit 310 after obtaining the financial account password from the corresponding user through the input device provided at one side by the automatic teller machine 330; The short-range communication wireless communication unit 310 requests the encryption of the financial account password with a predetermined encryption algorithm for the authentication unit 320, the authentication unit 320 transmits the encrypted financial account password to the short-range communication wireless communication unit 310 Transmitting, by the short-range communication wireless communication unit 310 to the automatic teller machine 330; When the automated teller machine 330 transmits the transaction approval request text including the decrypted financial information and the encrypted account password to the HOST server 340, the corresponding HOST server 340 transmits the transaction approval result to the automated teller machine 330. Responding); Including, the transmitted financial information may be displayed to the user through the output device provided on one side of the automated teller machine 330.

On the other hand, the automatic teller machine 330 receives the approval result from the HOST server 340 and transmits the updated financial information according to the approval result to the short-range communication wireless communication unit 310; Transmitting the financial information transmitted by the short-range communication wireless communication unit 310 to the corresponding contactless IC card 300; Receiving and storing the financial information by the contactless IC card (300); It may further include.

In addition, the HOST server 340 may include at least one of a bank server and a card company server, and the financial information may include at least one of account information and a credit card usage specification.

4 is a second method for processing financial information using the automated teller machine according to the present invention.

First, according to the drawings, the present invention provides a radio frequency IC card 300; Short-range communication wireless communication unit 310; A financial automated device 330 having an authentication unit 320; HOST server 340; It includes.

In the present invention, the IC card refers to a personal information terminal or a contactless IC card equipped with a contactless IC chip. The IC card can be configured as a personal information terminal (mobile communication terminal) currently commercially available in the form of a computer for financial transactions or an IC chip, and the account information is provided through an output device mounted in a financial automation device such as a liquid crystal display (LCD). Is displayed.

The IC card is a broad concept that includes financial functions such as general cash cards, credit cards, and prepaid cards.

Here, the automated teller machine is connected to a HOST server based on the financial common network, and the inside of the teller machine includes a wireless communication unit for short range communication for short distance communication capable of transmitting and receiving data wirelessly with a controller equipped with a microprocessor. can do.

On the other hand, the network that is connected between the automated teller machine and the HOST server is characterized in that it is connected to the financial common network in which multiple HOST servers of different operators are multiplexed.

The short-range communication short-range communication wireless communication unit may further include a wireless communication authentication unit for encrypting / decrypting the financial information received from the non-contact IC card, the wireless communication authentication unit is included in the automated teller machine according to an embodiment Can be.

In a second method of processing financial information using a financial automation device for short-range wireless communication,

Receiving, by the contactless IC card (300), a financial information inquiry signal from a wireless communication unit (310) for short range communication; The contactless IC card 300 encrypting and extracting financial information corresponding to the financial information inquiry signal by a predetermined encryption algorithm and transmitting the extracted financial information to the wireless communication unit 310 for short-range communication; Receiving, by the authentication unit 320, the financial information received from the wireless communication unit 310 for short range communication, and transmitting the financial information to the automatic teller machine 330; Obtaining, by the automatic teller machine 330, a financial account password from the corresponding user through an input device provided at one side, and requesting encryption to the authenticator 320; The authentication unit 320 encrypting the financial account password using a predetermined encryption algorithm and transmitting the encrypted financial account password to the automatic teller machine 330; When the automated teller machine 330 transmits the transaction approval request text including the decrypted financial information and the encrypted account password to the HOST server 340, the corresponding HOST server 340 transmits the transaction approval result to the automated teller machine 330. Responding with); Including, the transmitted financial information may be displayed to the user through the output device provided on one side of the automated teller machine 330.

On the other hand, the automatic teller machine 330 receives the approval result from the HOST server 340 and transmits the updated financial information according to the approval result to the short-range communication wireless communication unit 310; Transmitting the financial information transmitted by the short-range communication wireless communication unit 310 to the corresponding contactless IC card 300; Receiving and storing the financial information by the contactless IC card (300); It may further include.

As described above, it is possible to provide a financial automation device for short-range wireless communication and a control method thereof capable of processing various financial services while maintaining a high level of security using a contactless IC card.

In particular, the present invention not only transmits and receives data between the automated teller machine connected to a dedicated network and the corresponding HOST server, but also transmits and receives data between the teller machine and the corresponding HOST server connected to a financial common network in which multiple HOST servers such as other banks or financial institutions are connected in multiple times. Even when the financial information, such as account information and account password information obtained from the user is encrypted and transmitted by a predetermined encryption algorithm can maintain a high level of security.

In addition, since the automated teller machine according to the present invention is configured by using an existing contactless IC card authentication unit, there is no need to add a new component, and an existing cryptographic algorithm such as an existing bank or financial institution can be used as it is. It also works.

Claims (6)

In the financial information processing method between the contactless IC card and the automatic teller machine for short range wireless communication, Receiving, by the contactless IC card, the financial information inquiry signal from the wireless communication unit for short range communication; Transmitting, by the contactless IC card, financial information corresponding to the financial information inquiry signal by extracting the financial information by a predetermined encryption algorithm and then transmitting the extracted financial information to a wireless communication unit for short-range communication; An authentication unit receiving the financial information from the short range communication wireless communication unit, decrypting the financial information and providing the financial information to the short range communication wireless communication unit; Transmitting the decoded financial information to the automatic teller machine by the wireless communication unit for short range communication; Obtaining, by the automated teller machine, a financial account password from a corresponding user through an input device provided at one side, and requesting encryption for a short distance communication wireless communication unit; If the short-range communication wireless communication unit requests the encryption of the financial account password using a predetermined encryption algorithm for the authentication unit, and the authentication unit transmits the encrypted financial account password to the short-range communication wireless communication unit, the short-range communication wireless communication unit is sent to the automated teller machine Doing; When the automated teller machine transmits the transaction approval request message and the encrypted account password including the decrypted financial information to the HOST server, the corresponding HOST server responds to the automated teller machine with the transaction approval result; Financial information processing method using a financial automation device for short-range wireless communication comprising a. In the financial information processing method between the contactless IC card and the automatic teller machine for short range wireless communication, Receiving, by the contactless IC card, the financial information inquiry signal from the wireless communication unit for short range communication; Transmitting, by the contactless IC card, financial information corresponding to the financial information inquiry signal by extracting the financial information by a predetermined encryption algorithm and then transmitting the extracted financial information to a wireless communication unit for short-range communication; Receiving, by the authentication unit, the financial information from the short-range communication wireless communication unit, transmitting the financial information to a financial automatic device; Obtaining, by the automated teller machine, a financial account password from the corresponding user through an input device provided at one side, and requesting encryption from the authenticator; Transmitting the encrypted financial account password to the automatic teller machine by encrypting the financial account password using a predetermined encryption algorithm; When the automated teller machine transmits the transaction approval request message and the encrypted account password including the decrypted financial information to the HOST server, the corresponding HOST server responds to the automated teller machine with the transaction approval result; Financial information processing method using a financial automation device for short-range wireless communication comprising a. The method according to claim 1 or 2, Receiving, by the automatic teller machine, an approval result from a HOST server and transmitting updated financial information to the short-range communication wireless communication unit according to the approval result; Transmitting the financial information transmitted by the short-range communication wireless communication unit to the corresponding contactless IC card; Receiving and storing the financial information by the contactless IC card; Financial information processing method using a financial automation device for short-range wireless communication further comprising a. The method according to claim 1 or 2, The network connected between the automated teller machine and the HOST server is a financial common network in which multiple HOST servers of different operators are multiplely connected. The method according to claim 1 or 2, The wireless authentication unit for short-range communication financial information processing method using a financial automation device for short-range wireless communication, characterized in that included in at least one of a short-range communication wireless communication unit or a financial automation device. The method according to claim 1 or 2, The HOST server includes at least one of a bank server and a card company server, and the financial information includes at least one of account information and a credit card usage specification.

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