KR20150121990A - Method and device for financial transaction using meta agent - Google Patents

Abstract

According to an embodiment of the present invention, there is provided a method of providing a financial transaction through a meta agent, the method comprising: inputting a financial transaction request to the user terminal; Transmitting a tag information providing request to the smart card, the request including a plurality of tag information items required for the financial transaction request when the smart card is tagged; Receiving, from the smart card, a plurality of pieces of tag information extracted from the smart card corresponding to the tag information providing request; And controlling an operation of the user terminal according to the plurality of tag information.

Description

[0001] METHOD AND DEVICE FOR FINANCIAL TRANSACTION USING META AGENT [0002]

The present invention relates to a financial transaction providing method and a terminal, and more particularly, to a financial transaction providing method and a terminal using a meta agent included in a user terminal.

In recent years, financial information and personal information used in financial transactions have been leaked, resulting in a great social wave. Accordingly, the importance of security for various kinds of information used in financial transactions is increasing. As a measure for improving security, interest in financial transactions using smart cards with IC chips is increasing.

Generally, a smart card is an electronic credit card that can accommodate a large amount of information by mounting an integrated circuit (IC) memory device, which means all cards having one or more ICs inserted according to the standards of the International Organization for Standardization (ISO) .

Such a smart card contains information necessary for various financial transactions, so that the transaction can be easily handled by contacting or approaching the terminal.

However, in order to extract information necessary for various financial transactions stored in the smart card, the user must perform a procedure of tagging the smart card to the terminal whenever necessary.

Accordingly, in the case of a financial transaction requiring one or more tagging, the user has to tag the smart card for several times to process a desired financial transaction.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems of the prior art, and it is an object of the present invention to receive financial transaction information from a smart card through one tagging and process financial transactions.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to another aspect of the present invention, there is provided a method of providing a financial transaction through a meta agent, the method comprising: inputting a financial transaction request to the user terminal; Transmitting a tag information providing request to the smart card, the request including a plurality of tag information items required for the financial transaction request when the smart card is tagged; Receiving, from the smart card, a plurality of pieces of tag information extracted from the smart card corresponding to the tag information providing request; And controlling an operation of the user terminal according to the plurality of tag information.

The step of controlling the operation of the user terminal comprises the steps of: the user terminal executing a specific application or a web browser and accessing a financial company server; And receiving a result according to the financial transaction request from the financial service server.

The financial transaction request may include at least one of a financial product information request, a financial transaction request requiring a public certificate, and a financial transaction request requiring an OTP, and the tag information extracted from the smart card may include at least one of Address information, an execution command of a specific application, authorized certificate information, OTP information, and customer identification information.

According to another embodiment of the present invention, when a smart card is tagged, a communication unit transmits and receives data to and from the smart card; The method includes the steps of: identifying a plurality of tag information items necessary for processing the financial transaction request when a financial transaction request is input; and when the communication unit is tagging the smart card, A meta-agent for transmitting a request to the smart card, receiving a plurality of tag information extracted from the smart card corresponding to the tag information providing request, and storing the plurality of tag information; And a controller for controlling an operation of the user terminal according to the tag information stored in the meta-agent.

Wherein the control unit is capable of executing a specific application or a web browser to access a financial company server and receive a result of the financial transaction request from the financial company server, Can be stored together with matching order information.

The financial transaction request may include at least one of a financial product information request, a financial transaction request requiring a public certificate, and a financial transaction request requiring an OTP, and the tag information extracted from the smart card may include at least one of Address information, an execution command of a specific application, authorized certificate information, OTP information, and customer identification information.

According to an embodiment of the present invention, information necessary for financial transactions can be received from the smart card through one tagging, and the financial transaction can be processed, thereby enhancing the convenience of the user.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is an exemplary diagram illustrating a configuration of a financial service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating an internal configuration of a smart card according to an embodiment of the present invention.
3 is a block diagram illustrating an internal configuration of a user terminal according to an embodiment of the present invention.
4 is a flowchart illustrating a financial transaction providing method according to another embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

Hereinafter, a configuration of a financial service providing system according to an embodiment of the present invention will be described. 1 is an exemplary diagram illustrating a configuration of a financial service providing system according to an embodiment of the present invention.

1, the financial service providing system according to the present invention may include a smart card 100, a user terminal 200, and a financial company server 300. [

According to one embodiment, the smart card 100 may be an interactive smart card capable of carrying information bidirectional by incorporating an integrated circuit (IC) chip, a microprocessor, a memory, an input / output protocol, and an application program.

The smart card 100 according to an exemplary embodiment may be connected to the user terminal 200 through short-range wireless communication through a communication method such as Near Field Communication (NFC), Bluetooth, and infrared communication.

The smart card 100 in accordance with one embodiment may include a tag applet that stores data received over a short range wireless communication with the user terminal 200 and may optionally store the received data in the smart card 100, It is possible to invoke various stored application programs and receive necessary information.

According to one embodiment, the tag applet may invoke an authorized authentication applet included in the smart card 100 and receive a public certificate from the authorized authentication applet, or may invoke an OTP applet included in the smart card 100, Can be requested.

The smart card according to an exemplary embodiment may store tag information.

The tag information according to one embodiment may be composed of a financial product inquiry field, a goods code field, a customer identifier field, and a checksum field. In the financial product inquiry field, a web address (Uniform Resource Locator: URL) or an application execution command of the benefit information site provided by the financial server 300 that can confirm the benefit information of the financial product can be stored. In the commodity code field, unique identification information on the financial instrument is stored.

According to one embodiment, the user terminal 200 can exchange data with the smart card 100 through short-range communication, and can exchange data with the financial server 300 through wireless communication.

The user terminal 200 can access the financial company server based on the tag information received (extracted) from the smart card 100 and display information about the financial product on the screen.

In accordance with an embodiment of the present invention, the user terminal 200 may include a meta agent through which a user may access a plurality of financial transactions that require one or more smart card tagging procedures It is possible to perform the financial transaction through a single smart card tagging without the hassle of tagging the smart card.

For example, when a user executes a mobile banking application and wants to perform a money transfer requiring a public certificate from a bank server, the user executes a mobile banking application to send a money transfer request, which is a financial transaction request, to the user terminal 200 .

The meta agent included in the user terminal 200 requests tagging of the smart card 100 to the user and transmits an item of tag information (for example, authorized certificate information, authorized authentication application execution command, etc.) necessary for the account transfer request, And transmit a request for the information to the smart card 100. [

According to an embodiment, the smart card 100 may extract each tag information corresponding to a tag information request and transmit the extracted tag information to the user terminal 200. In the case of the above example, The authorized certificate application applet may be called to extract the authorized certificate information and the application execution command for public authentication and transmit the extracted application execution command to the user terminal 200. [

Accordingly, the user terminal 200 can receive, store, and manage the public certificate information and the authorized authentication application execution information received through the meta agent. At this time, the tag information can be stored together with the execution order information have.

Then, based on the received tag information, the user terminal 200 first automatically executes an application for public authentication through an application execution command for public authentication, and based on the stored public certificate information, By performing the procedure, in the mobile banking application, the processing of the account transfer that requires authorized authentication can be completed.

As described above, the meta-agent according to the embodiment identifies a plurality of tag information items required for the financial transaction requested by the user, transmits a tag information request including the tag information items to the smart card 100 through tagging, 100) of the tag information.

According to one embodiment, the user terminal 200 may access a specific web page, execute an application, transmit the received information to the financial company server 300 according to the received tag information, have.

The financial company server 300 according to an embodiment can store and manage financial information such as user information, card information, account information, financial transaction information, and benefit information for each card, and can store and manage financial information such as a credit card company server, Server.

According to one embodiment, upon receipt of a financial information request from the user terminal 200, the financial institution server may provide the corresponding financial information, process the public authentication according to the public authentication request, Processing may be performed. The financial server 300 can inquire and provide the card information (e.g., card usage history, usage information, etc.) requested by the user terminal 200 when the authentication or OTP authentication is normally performed.

As described above, according to the embodiment of the present invention, a user can perform complex financial transaction through one smart card tagging, without having to tag the smart card whenever necessary in a financial transaction requiring a plurality of smart card tagging So that the convenience of the user can be increased.

Hereinafter, an internal configuration of the smart card 100 according to an embodiment of the present invention will be described with reference to FIG. 2 is a block diagram illustrating an internal configuration of a smart card according to an embodiment of the present invention.

The smart card 100 may include a communication unit 110, a tag applet 120, a memory 130, a security unit 140, and a control unit 150 according to an exemplary embodiment of the present invention.

The communication unit 110 is a communication module that performs short-range communication with the user terminal 200. The communication unit 110 may use a communication method such as Near Field Communication (NFC), Bluetooth, or infrared communication. When the smart card 100 is tagged in the user terminal 200, And various data can be transmitted to and received from the user terminal 200 through the network 110. [

According to one embodiment, the tag applet 120 may include a select module 121, a write module 122, a read module 123, An authorized authentication interface module 124, a one time password (OTP) interface module 125, and an audio data storage module 126.

The selection module 121 according to an embodiment of the present invention includes a recording module 122, a reading module 123, a public authentication interface module 124, an OTP interface module 125, At least one of the storage modules 126 may be selected.

The recording module 122 according to an embodiment can record data received through the communication unit 110 in the memory 130 and the reading module 123 can read the data stored in the memory 130. [

The authorized authentication interface module 124 according to the embodiment calls the authorized authentication applet 141 and receives the authorized certificate from the authorized authentication applet 141. [

The OTP interface module 125 according to an embodiment calls the OTP applet 142 to request the OTP applet 142 for OTP authentication information.

The public authentication interface module 124 and the OTP interface module 125 call the public authentication applet 141 and the OTP applet 142 respectively and use the public authentication certificate 141 and the OTP applet 142, And transmits the OTP information to the control unit 150.

According to one embodiment, the voice data storage module 126 may store product information for the smart card as voice data.

According to one embodiment, the memory 130 stores various data such as a serial number of the smart card 100 and a random number and tag information generated in the card control unit 150, which will be described later. Here, the tag information may include a financial product inquiry field, a goods code field, a customer identifier field, and a checksum field. In the financial product inquiry field, a web address (Uniform Resource Locator: URL) or an application execution command of the benefit information site provided by the financial server 300 that can confirm the benefit information of the financial product can be stored. In the commodity code field, unique identification information on the financial instrument is stored.

According to one embodiment, the memory 130 may include a storage such as an Electrically Erasable Programmable Read Only Memory (EEPROM) and a flash memory, a read only memory (ROM), a random access memory (RAM) Means.

In accordance with one embodiment, a Security Element (SE) 140 includes a public authentication applet 141 that provides a public certificate for financial transactions and an OTP applet 142 that provides a one-time password (OTP). The security unit 140 can read and output the public key certificate (digital signature) stored in the storage unit of the security unit 140. [

According to one embodiment, the OTP applet 142 may generate OTP authentication information and store the generated OTP information.

The controller 150 may control the tag applet 120 to write data to the memory 130 or to read data from the memory 130 according to an embodiment of the present invention.

The control unit 150 may transmit data read through the communication unit 110 or may store data received through the communication unit 110 in the memory 130 according to an embodiment.

Hereinafter, an internal configuration of the user terminal 200 according to an exemplary embodiment of the present invention will be described with reference to FIG. 3 is a block diagram illustrating an internal configuration of a user terminal 200 according to an embodiment of the present invention.

3, the user terminal 200 may include a communication unit 210, a meta agent 220, and a control unit 230 according to an embodiment of the present invention.

The communication unit 210 according to an exemplary embodiment may include a short-range wireless communication module and may exchange data with the smart card 100 through tagging of the smart card 100. [ The short-range wireless communication module according to an exemplary embodiment may include NFC, Bluetooth, and infrared communication.

A meta agent 220 according to an exemplary embodiment of the present invention can identify and generate a plurality of tag information items required for processing a financial transaction request when a financial transaction request is input to the user terminal 200. [

For this purpose, the meta agent 220 according to one embodiment can preset and store a plurality of required tag information items for each type of financial transaction request.

When an item of tag information required for a financial transaction request is generated, the meta agent 220 according to an embodiment transmits a tag information providing request including an item of the tag information to the smart card 100, And can receive the extracted tag information from the smart card 100 according to the tag information providing request.

The financial transaction request according to an exemplary embodiment includes a request for providing information about a financial product (for example, benefit information for each card, interest rate information on a financial instrument, etc.), a financial transaction request (for example, A card billing inquiry request, etc.) and a financial transaction request that requires an OTP (e.g., a mobile card payment request, etc.).

The meta-agent 220 according to an exemplary embodiment may match and store a plurality of tag information received from the smart card to a tag information item. In this case, And stored.

For example, when the tag information received from the smart card 100 is designated as 1, 3, and 2 for the tag information of the application execution command, the public certificate information, and the OTP information tag, The tag information can be stored and managed in the order of "application execution command → OTP information → authorized certificate information" in that order.

As described above, the tag information according to one embodiment may be at least one of address information of a specific web page, execution command of a specific application, authorized certificate information, OTP information, and customer identification information, Various types of information that can be managed can be included in the tag information.

As described above, the meta agent 220 according to the embodiment of the present invention identifies a plurality of tag information items required according to the financial transaction request input to the user terminal 200, The information inquiry request is transmitted to the smart card 100, and the received tag information can be classified and stored and managed according to the tag information item.

Accordingly, according to the embodiment of the present invention, even in a financial transaction requiring one or more smart card tagging, the user can extract all information necessary for financial transaction from the smart card with one smart card tagging And convenience of the user can be increased.

The controller 230 according to the embodiment extracts the tag information stored in the meta agent 220 according to the tag information specification order and performs the operation according to the tag information to the user terminal 200 Can be controlled.

The control unit 230 according to an embodiment executes a specific application or a web browser according to a plurality of pieces of tag information to access the financial company server 300 and transmits the tag information to the connected financial company server 300, A result according to the transaction request can be received.

According to one embodiment, the control unit 230 can execute an application through a specific application or a web browser execution command, or access a specific web site through a web browser. At this time, the executed application or web site may be an application or a web site managed by a financial company server.

According to one embodiment, the control unit 230 accesses a financial company server through the above-described method, requests specific information based on tag information, requests a specific transaction, and receives a result of a financial transaction request . As described above, the control unit 230 can control the user terminal to operate according to the tag information received by the meta agent 220. [

Hereinafter, a financial transaction providing method according to another embodiment of the present invention will be described with reference to FIG. 4 is a flowchart illustrating a financial transaction providing method according to another embodiment of the present invention.

First, the user can input a financial transaction request to the user terminal 200 (S410).

For example, suppose a user requests an inquiry of the card's monthly charge.

Accordingly, the meta agent stored in the user terminal 200 can identify a plurality of tag information items corresponding to the financial transaction request, that is, according to the financial transaction request (S420).

The financial transaction request according to an exemplary embodiment includes a request for providing information about a financial product (for example, benefit information for each card, interest rate information on a financial instrument, etc.), a financial transaction request (for example, A card billing inquiry request, etc.) and a financial transaction request that requires an OTP (e.g., a mobile card payment request, etc.).

The user terminal 200 requests the user to tag the smart card 100 and if the smart card 100 is tagged to the user terminal 200 at step S430, The tag information providing request including the plurality of tag information items identified (S440).

The smart card 100 according to the embodiment extracts a plurality of pieces of tag information stored in the smart card 100 according to a plurality of items of tag information included in the tag information providing request at step S450, (Step S460).

The tag information according to an embodiment may include at least one of address information of a specific web page, execution command of a specific application, authorized certificate information, OTP information, and customer identification information, and may be stored in the smart card 100, Various types of information that can be managed can be included in the tag information.

According to one embodiment, the meta-agent included in the user terminal 200 can store and manage the received plurality of tag information together with the order information required for each tag information (S470) And transmits the tag information to the control unit of the user terminal 200, so that the operation corresponding to the tag information is performed (S480).

According to one embodiment, the user terminal 200 can execute a specific application, execute a web browser (S481), connect to the financial company server 300 (S483) according to the received tag information, The server 300 processes the financial transaction corresponding to the tag information (S485), and a result corresponding to the financial transaction request may be received by the user terminal 200 (S487).

For example, when the financial transaction request is a specific information inquiry request, the specific information requested from the financial company server 300 may be received. In the case of the account transfer, payment, etc., the account transfer result and payment result Lt; / RTI >

The meta agent stored in the user terminal 200 may provide an item of tag information required for inquiring the monthly billing details of the card, a monthly charge amount of the card company A web page address, an authorized authentication application execution command, and an authorized certificate information item for authorized authentication.

 After the user terminal 200 tags the smart card 100, the meta agent can transmit a tag information providing request including the identified tag information item to the smart card 100. [

According to the tag information item included in the tag information providing request, the smart card 100 transmits each tag information, that is, the web page address of the monthly charge amount of the card company, the authorized authentication application execution command, and the authorized certificate information for authorized authentication To the user terminal (200).

When the user terminal 200 receives a plurality of pieces of tag information from the smart card 100, the meta-agent included in the user terminal 200 transmits the received tag information, Address, authorized authentication application execution information, and authorized certificate information for public authentication together with the order information required for each tag information.

For example, the meta-agent can acquire the tag information and the tag information in the form of " 1 rank: web page address of monthly charge of credit card company, 2 rank: authorized execution application execution information, The order in which the information is required can be stored and managed together.

Thereafter, the meta agent provides each tag information to the control unit of the user terminal 200 in accordance with the respective order information, and the control unit executes the web browser according to the tag information, and transmits the tag information to the web page address The user terminal 200 can receive the monthly charge amount information of the card by executing the authorized authentication application, providing the authorized certificate information for authorized authentication to the server, and completing the authentication procedure.

Next, a method of providing a financial transaction according to an embodiment of the present invention will be described, taking as an example a case where a user requests card settlement requiring OTP authentication.

First, the user terminal 200 receives a request for card settlement requiring OTP authentication from a user input means (not shown).

The mega agent included in the user terminal 200 can identify items of a plurality of tag information, that is, OTP application execution information and OTP information required for a financial transaction request (request for card settlement requiring OTP authentication).

When the smart card 100 is detected to be tagged, the user terminal 200 transmits a tag information provision request including a plurality of tag information items to the smart card 100.

The smart card 100 can read the tag information corresponding to the item according to the tag information item "OTP application execution information and OTP information" contained in the tag information provision request.

For example, the OTP interface module of the tag applet included in the smart card 100 calls the OTP applet. When the OTP applet generates OTP application execution information and OTP information and transmits the OTP application execution information and the OTP information to the OTP interface module, May transmit the OTP application execution information and the OTP information read by the tag Apple to the user terminal 200.

The mega agent of the user terminal 200 stores and manages the received tag information (OTP application execution information and OTP information) and transmits them to the control unit of the user terminal 200, . ≪ / RTI >

The user terminal 200 can automatically execute the OTP application, send the OTP information to the financial server 300 and request authentication for the OTP through the execution information of the OTP application, The terminal 200 can process the OTP authentication upon request. When the OTP authentication is completed, the financial server 300 can process the card payment requested by the user and transmit the result to the user terminal 200. [

As described above, according to the embodiment of the present invention, since the user can process a desired financial transaction through one smart tagging even in a financial transaction requiring tagging of a smart card several times, the user's convenience can be improved .

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Smart card
200: user terminal
300: Financial company server
110:
120: Tag applet
130: memory
140:
150:

Claims (9)

A method of providing a financial transaction through a meta agent, the method comprising:
Inputting a financial transaction request to the user terminal;
Transmitting a tag information providing request to the smart card, the request including a plurality of tag information items required for the financial transaction request when the smart card is tagged;
Receiving, from the smart card, a plurality of pieces of tag information extracted from the smart card corresponding to the tag information providing request; And
And controlling an operation of the user terminal according to the plurality of tag information.
The method according to claim 1,
Wherein controlling the operation of the user terminal comprises:
The user terminal executing a specific application or a web browser and accessing a financial company server; And
And receiving a result of the financial transaction request from the financial service server.
The method according to claim 1,
The financial transaction request includes:
A financial transaction request requiring an authorization certificate, and a financial transaction request requiring an OTP.
The method according to claim 1,
The tag information extracted from the smart card includes:
An address information of a specific web page, an execution command of a specific application, authorized certificate information, OTP information, and customer identification information.
A communication unit for transmitting and receiving data to and from the smart card when the smart card is tagged;
The method includes the steps of: identifying a plurality of tag information items necessary for processing a financial transaction request when a financial transaction request is input; and when the communication unit is tagging a smart card, A meta-agent for transmitting a request to the smart card, receiving a plurality of tag information extracted from the smart card corresponding to the tag information providing request, and storing the plurality of tag information; And
And a controller for controlling an operation of the user terminal according to the tag information stored in the meta-agent.
6. The method of claim 5,
Wherein,
A specific application or a web browser is executed to access a financial company server, and receives a result of the financial transaction request from the financial company server.
6. The method of claim 5,
The meta-
And stores the plurality of tag information and the order information of the tag information together.
6. The method of claim 5,
The financial transaction request includes:
A financial transaction request for a financial product, a financial transaction request for which a public certificate is required, and a financial transaction request for which an OTP is required.
6. The method of claim 5,
The tag information extracted from the smart card includes:
An address of a specific web page, an execution command of a specific application, authorized certificate information, OTP information, and customer identification information.

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