KR20090002279U - Terminals for Electronic Remittance - Google Patents

Abstract

The present invention relates to an electronic transfer-only terminal, the terminal having a card reader for reading card information, a mode checking unit for confirming whether the operation mode of the electronic transfer-only terminal is switched to the electronic transfer mode, and the read An information verification unit for confirming that the card information includes cash card information (or account information) capable of electronic transfer transaction, and if the card information includes the cash card information (or account information) from the key input means, An information input unit for inputting a remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for remittance, an electronic remittance including the read card information, remittance bank code, remittance bank code, remittance amount and remittee account number Transfers the generated electronic money transfer request message to the electronic money transfer server through a communication network and a text generation unit for generating a request text; Outputting the full text transmission unit, a full text receiving unit for receiving the electronic money transfer result message including the electronic money transfer result information from the electronic money transfer server, and outputting the electronic money transfer result information included in the received electronic money transfer result message, or When the professional processing unit for printing and the card information includes the cash card information (or account information), input the remittance bank code, the remittance bank code, the remittance amount, and the remittee account number for electronic remittance, and the electronic remittance request. It is provided with an electronic money transfer transaction protocol for generating a full message and transmitting it to the electronic money transfer server and receiving and outputting the electronic money transfer result message, and has a security application module for controlling the electronic money transfer transaction according to the electronic money transfer transaction protocol.

Description

Electronic money transfer terminal {Terminals for Electronic Remittance}

The present invention provides a terminal having a card reader for reading card information, the mode checking unit for confirming whether the operation mode of the electronic money transfer dedicated terminal is switched to the electronic money transfer mode, and the cash information for the electronic card transaction of the read card information An information verification unit for confirming whether the card information (or account information) is included, and if the check result card information includes the cash card information (or account information), a remittance bank code for electronic money transfer from a key input means, and a receipt An information input unit for inputting a bank code, a remittance amount, and a beneficiary account number, and a specialized generation unit for generating an electronic money request message including the read card information, the remittance bank code, the beneficiary bank code, the remittance amount, and the beneficiary account number. And, a professional transmission unit for transmitting the generated electronic money transfer request message to an electronic money transfer server through a communication network, and the electronic money transfer. A professional receiving unit for receiving an electronic money transfer result message including electronic money transfer result information from a server; a professional processing unit for printing or printing out the electronic money transfer result information included in the received electronic money transfer result message and the card information; When the cash card information (or account information) is included, input the remittance bank code, the remittance bank code, the remittance amount, and the remittee account number for electronic remittance, and generate the full text of the electronic remittance request to the electronic remittance server The present invention relates to an electronic transfer dedicated terminal having an electronic transfer transaction protocol for receiving and outputting an entire electronic transfer result, and having a security application module for controlling the electronic transfer transaction according to the electronic transfer transaction protocol.

Due to the rapid development of the information and communication infrastructure, the communication infrastructure is no longer a barrier to entry of services in financial transactions using the communication network, and only legal regulations play a role of service entry barrier.

Recently, as the issuance of financial cards through card media with high-level security functions such as IC (Integrated Circuit) cards has been expanded, unmanned financial terminals (eg, cash), which could only be installed and operated by commercial banks (or affiliated institutions), It is expected that various non-face-to-face financial transactions (eg, account inquiry, cash withdrawal, etc.) through automatic teller machines (ATMs) and cash dispensers (CDs) will also be possible through second financial institutions such as securities firms. do.

However, the unmanned financial terminal, which has been supplied to commercial banks (or affiliated institutions) in the past, includes technical problems that are difficult to use in the second financial sector. In particular, a non-face-to-face financial transaction through the unmanned financial terminal is used for the second financial sector. If the liquidity crisis occurs in any of the institutions of the second financial sector, this may have a fatal problem that may affect the entire banking sector.

In addition, in the case of the conventional unmanned financial terminal, most non-face-to-face financial transactions such as account inquiry, cash withdrawal, and bank transfer services were possible through the unmanned financial terminal provided in the commercial bank. The non-face-to-face financial transaction through the network includes a problem that the bank transfer service cannot be provided.

An object of the present invention for solving the above problems is, in a terminal having a card reader for reading card information, a mode check unit for checking whether the operation mode of the electronic transfer dedicated terminal is switched to the electronic transfer mode, and the reading An information verification unit for confirming that the card information includes cash card information (or account information) capable of electronic remittance transaction, and if the card information includes the cash card information (or account information) from the key input means. An information input unit for inputting a remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for electronic remittance, an electronic card including the read card information, remittance bank code, remittance bank code, remittance amount and remittance account number; Transfer the generated electronic money transfer request message to the electronic money transfer server through a communication network and a professional generation unit for generating the transfer money message; Outputting the full text transmission unit, a full text receiving unit for receiving the electronic money transfer result message including the electronic money transfer result information from the electronic money transfer server, and outputting the electronic money transfer result information included in the received electronic money transfer result message, or When the professional processing unit for printing and the card information includes the cash card information (or account information), input the remittance bank code, the remittance bank code, the remittance amount, and the remittee account number for electronic remittance, and the electronic remittance request. Electronic money transfer provided with an electronic money transfer transaction protocol for generating a full message and transmitting the electronic money transfer result message to the electronic money transfer server, and outputs the full message, and controls the electronic money transfer transaction according to the electronic money transfer transaction protocol. In providing a dedicated terminal.

In one embodiment of the present invention, an electronic transfer-only terminal includes a mode checking unit for checking whether an operation mode of the electronic transfer-only terminal is switched to an electronic transfer mode in a terminal having a card reader for reading card information, and the read card. An information verification unit for confirming that the information includes cash card information (or account information) capable of electronic remittance transaction, and if the card information includes the cash card information (or account information), the electronic money transfer from the key input means. Electronic remittance request including a remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for the remittance bank, a read card information, remittance bank code, remittance bank code, remittance bank code and remitter account number A full text generation unit for generating a full text message and a full text message for transmitting the full text message to the electronic money transfer server through a communication network; Screen output or print output of a transmission unit, a message receiving unit for receiving an electronic money transfer result message including electronic money transfer result information from the electronic money transfer server, and the electronic money transfer result information included in the received electronic money transfer result message; When the specialized processing unit and the card information includes the cash card information (or account information), input the remittance bank code, the remittance bank code, the remittance amount, and the remittee account number for electronic remittance, the full text of the electronic remittance request After generating and transmitting to the electronic transfer server, the electronic transfer transaction protocol for receiving and outputting the full electronic transfer result, and comprises a security application module for controlling the electronic transfer transaction in accordance with the electronic transfer transaction protocol do.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for a preferred embodiment among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the following drawings and description. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the general contents of the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those of ordinary skill in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to properly modify, integrate, or separate the terms so that those skilled in the art to clearly understand the key technical features of the present invention can be clearly understood. However, this invention is not limited by this.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical idea of the present invention to those skilled in the art to which the present invention belongs. It is only.

1 is a view showing the functional configuration of the electronic money transfer terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an embodiment of a method for processing electronic money transfer through at least two specialized transmissions and receptions in a predetermined electronic money transfer terminal 100 (eg, a kiosk-type electronic money transfer device) for the electronic money transfer service. However, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer the functional configuration of various electronic money transfer terminals 100 for the electronic money transfer service. It is to be understood that the technical features are not limited by the present invention, but include all the inferred implementation methods.

Referring to FIG. 1, an electronic money transfer terminal 100 for an electronic money transfer service basically includes a control unit 105, a memory unit 150, a card reader unit 110, a key input unit 120, and a screen output unit 115. And a power supply unit 125 for supplying power to the communication processing unit 130, the security application module 135, the print output unit 140, and the electronic money transfer terminal 100, at least according to the intention of those skilled in the art. One or more terminal functional units (not shown).

The control unit 105 controls the overall operation of the electronic money transfer terminal 100 according to the function configuration, manages the flow of information (or data) between each component, and is provided in the electronic money transfer terminal 100 for the electronic money transfer function. At least one processor and an execution memory (eg, a register and / or a hardware) including a central processing unit (CPU) / micro processing unit (MPU) in hardware and at least one component. RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and also from the predetermined recording medium to perform a function specific to the electronic money transfer terminal 100 by software Contains program routines and / or program data that are loaded into execution memory and computed by the processor. For example, a predetermined program recorded on a recording medium provided in the electronic money transfer terminal 100 for the electronic money transfer function, and / or a component that can be processed in software from a functional configuration included in the electronic money transfer terminal 100. To be provided in the control unit 105).

According to an embodiment of the present invention, the control unit 105 is a component (eg, the memory unit 150, the card reader unit 110, the key input unit 120, and the screen provided in the electronic money transfer terminal 100). The electronic money transfer terminal by interworking an output unit 115, a communication processing unit 130, a security application module 135, a print output unit 140, and / or a terminal function unit (not shown) according to the intention of a person skilled in the art. Control and manage the various additional functions defined in (100), as well as control the components provided in the electronic money transfer terminal 100 for the electronic money transfer service according to the present invention, and / Alternatively, it is preferable to execute a program recorded on a recording medium provided in the electronic money transfer terminal 100 for the electronic money transfer service.

The memory unit 150 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the electronic money transfer terminal 100 is performed. General term for non-volatile memory for storing information (or data), including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD). And at least one storage means, wherein the control section 105 requires a predetermined program routine and program data (eg, a program routine to be input or performed to perform a predetermined function). Output data) is stored.

According to the implementation method of the present invention, the memory unit 150 is the card information read through the card reader unit 110 in the electronic transfer terminal 100 in the electronic transfer mode is a cash card capable of electronic transfer service It is preferable to store card verification information for verifying whether the corresponding card information (or account information).

Here, by reading the card number system of the card information read through the card reader unit 110, the card number (or account number) included in the card information is the cash card information (or account information) capable of electronic money transfer service As information for verifying identification, it is preferable to include at least one or more Bank Identification Number (BIN) information, a cash card number system reading information, or an account number system reading information corresponding to a cash card of each cash card issuing bank. Do.

The customer receiving the electronic money transfer service according to the present invention through the electronic money transfer terminal 100 is based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, and / or a contact type based on the ISO / IEC 7816 standard. Have (or own) a financial card 195 including at least one IC card (or wireless IC chip) and / or a contactless IC card (or wireless IC chip) based on ISO / IEC 14443. The card reader unit 110 may provide an interface for reading at least one or more card information included in the financial card 195.

Here, the financial card 195 preferably includes a cash card (or financial common network) for the electronic money transfer service.

According to the implementation method of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the electronic money transfer terminal 100, and / or the contact IC card and the electronic money transfer terminal ( 100) a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the electronic money transfer terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized in that the interface of the predetermined card information from the at least one track (Track) provided in the MS of the MS card to the electronic transfer terminal 100 by using the loaded.

According to an embodiment of the present invention, when the operation mode of the electronic money transfer terminal 100 is an electronic money transfer mode, track data including at least one track I, track II and track III of the MS provided in the financial IC card. It is preferable to read card information corresponding to a predetermined cash card for the electronic money transfer service by reading.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. And supply power to the IC chip of the IC card through the contact point, and transmit predetermined card information from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized in that the interface to the remittance terminal 100.

According to the implementation method of the present invention, when the operation mode of the electronic money transfer terminal 100 is the electronic money transfer mode, the electronic money transfer service from the cash card storage information, financial common network storage information, etc. provided in the financial IC card; It is preferable to read the card information (or account information) corresponding to the predetermined cash card.

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443. The contactless IC reader unit may be formed at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and electronically transfers predetermined card information from the IC chip through the half duplex transaction using an APDU. Characterized in that the interface to the terminal 100.

According to the implementation method of the present invention, when the operation mode of the electronic money transfer terminal 100 is the electronic money transfer mode, the electronic money transfer service from the cash card storage information, financial common network storage information, etc. provided in the financial IC card; It is preferable to read the card information (or account information) corresponding to the predetermined cash card.

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or signal) input from the key input device of the electronic device and detects the information (or signal) from the key input device in the specific operation mode (or input mode) of the electronic money transfer terminal 100 controlled by the control unit 105. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The control unit 105 obtains predetermined key data corresponding to the key event in the current operation mode (or input mode) of the electronic money transfer terminal 100, and / or is defined to match the key event. And obtaining a command for executing a definition function. The key input unit 120 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the electronic money transfer terminal 100.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the implementation method of the present invention, the key input unit 120 is at least one or more key data (eg, bank code, remittance required for the electronic money transfer service providing process from the key input device for the electronic money transfer service according to the present invention) It is preferable to perform the function of the key input means for receiving the amount (receipt account number, etc.).

According to the exemplary embodiment of the present invention, a key input device corresponding to the key input unit 120 may switch the operation mode of the electronic money transfer terminal 100 to an electronic money transfer mode for an electronic money transfer service according to the present invention. It is desirable to be provided with.

The screen output unit 115 is a liquid crystal display (LCD) and / or CRT (by the control unit 105) in the process of the electronic transfer terminal 100 performs a predetermined function (for example, the electronic transfer processing function) And at least one information (or data) that is predefined or defined in real time to be output to a predetermined display output device including a Cathode Ray Tube) through a predefined interface screen. The 115 and the screen output device interoperate with each other to perform a function of the screen output means provided in the electronic money transfer terminal 100.

Predefined information (or data) to be output from the electronic money transfer terminal 100 to the screen output device is provided in the key data input through the key input unit 120 and / or in the electronic money transfer terminal 100. Corresponds to information (or data) stored or generated by the component, information (or data) transmitted / received through the communication processor 130, and / or a predetermined operation result performed by the electronic money transfer terminal 100. It comprises at least one (or data) to do.

According to a preferred embodiment of the present invention, the screen output unit 115 is a function of the screen output means for outputting the processing screen corresponding to the electronic money transfer service providing step to the screen output device for the electronic money transfer service according to the present invention It is preferable to carry out.

The communication processor 130 connects the communication channel with the electronic money transfer server 185 through a predetermined communication network while the electronic money transfer terminal 100 performs a predetermined function (for example, the electronic money processing function). It comprises a communication protocol and / or driver for connecting the communication channel in software.

The communication processor 130 may be a wired communication network including at least one or more xDSL-based wired communication network, public switched telephone network (PSTN), intelligent network, Ethernet, or the like, or code division multiple access (CDMA). / WCDMA (Wide-CDMA) based mobile communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, the wireless communication network including at least one or more, including the IEEE 802.16x-based mobile Internet and the like to communicate with the electronic money transfer server 185 Characterized by connecting a channel, and comprises a modem (Modem) or NIC (Network Interface Card) for connecting the electronic money transfer terminal 100 to the communication network in hardware, the electronic money transfer in software It comprises a communication protocol and / or a driver for connecting the terminal 100 to the communication network.

The secure application module (SAM) 135 is a confidentiality required in a process of performing an electronic money transfer function through the financial card 195 in the electronic money transfer mode provided in the electronic money transfer terminal 100. And / or security requirements including authentication and / or integrity and / or nonrepudiation, etc. without using an authentication server (or electronic money transfer server 185) on the network. As a safety device for performing a safe and reliable structure within the remittance terminal 100, a predetermined message processed in the process of the electronic remittance terminal 100 performs a predetermined security request function (for example, the electronic remittance function). Important in the process of encrypting or decrypting (information, data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It is characterized by performing a function of storing the core information.

In general, the security application module 135 is preferably composed of a predetermined security application module 135 inserter and a security application module 135 chip, the security application module 135 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the electronic money transfer terminal 100 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 140 may receive a predetermined variety of information (or data) generated as a result of, and / or as a result of, the electronic money transfer terminal 100 performing a predetermined function (for example, an electronic money transfer processing function). Characterized in that it is output in accordance with the print form, it is preferable that the print form comprises at least one electronic transfer receipt.

Referring to FIG. 1, the electronic money transfer terminal 100 checks whether an operation mode of the electronic money transfer terminal 100 corresponds to the electronic money transfer service in order to provide an electronic money transfer service according to the present invention. When the operation mode of the mode check unit 155 and the electronic money transfer terminal 100 is the electronic money transfer mode, the predetermined card for the electronic money transfer service from the customer card through the card reader unit 110 Information input unit 160 for reading and inputting information (or account information) or inputting a bank code, a remittance amount, a payee account number, etc. for the electronic money transfer service from a predetermined key input means through the key input unit 120. And an information verification unit 165 for validating the electronic money transfer through the read card information (or account information) through the card verification information provided in the memory unit 150, A full text generation unit 170 for generating an electronic money request message including at least one of card information (or account information), a bank code, a remittance amount information, a payee account number, etc. The professional transmission unit 175 for transmitting the generated electronic money transfer request telegram to the electronic money transfer server 185 in association with the communication processor 130 and from the electronic money transfer server 185 through the communication processor 130. The electronic device is configured to receive an electronic money transfer response message including predetermined electronic money transfer information, and output the electronic money transfer information included in the electronic money transfer response message in association with the screen output unit 115. Input predetermined electronic money transfer approval information in association with a key input unit 120, generate the electronic money transfer approval message including the electronic money transfer approval information through the full text generation unit 170, and transmit the full text After transmitting the generated electronic money transfer approval message through the unit 175 to the electronic money transfer server 185, and includes the predetermined electronic money transfer result information from the electronic money transfer server 185 through the message receiving unit 180 A special processing unit 183 for receiving an electronic money transfer result message corresponding to the electronic money transfer message and outputting the electronic money transfer result information included in the electronic money transfer result message in association with the screen output unit 115; The specialized processing unit 183 prints a predetermined electronic money receipt including the electronic money transfer result information in connection with the print output unit 140.

The mode checking unit 155 checks whether the operation mode of the electronic money transfer terminal 100 is an electronic money transfer mode corresponding to the electronic money transfer service periodically (or in response to the electronic money transfer mode switch key event). It is done.

If the check result is that the operation mode of the electronic money transfer terminal 100 is not the electronic money transfer mode, the electronic money transfer terminal 100 performs various additional functions provided in the electronic money transfer terminal 100, while the electronic When the operation mode of the remittance terminal 100 is confirmed as the electronic remittance mode, the mode check unit 155 outputs the electronic remittance mode check result through the screen output unit 115, and then the information input unit 160. Process to input at least one or more information (or data) for the electronic money transfer service through.

The information input unit 160 receives a predetermined card for the electronic money transfer service from the financial card 195 through the card reader 110 to process an electronic money transfer corresponding to the electronic money transfer mode for the electronic money transfer service. And reading and inputting information (or account information), and the input card information (or account information) is provided to the information verification unit 165.

According to an embodiment of the present invention, when the financial card 195 is an IC card, the information input unit 160 outputs a predetermined PIN (Personal Identification Number) input screen in association with the screen output unit 115. When predetermined PIN information is input through the key input unit 120, the PIN information is provided to the IC card in association with the card reader unit 110, thereby reading the card information (or account information). It is desirable to perform a PIN authentication procedure.

In addition, the information input unit 160 is a bank code for the electronic money transfer service from a predetermined key input means through the key input unit 120 to process the electronic money transfer corresponding to the electronic money transfer mode for the electronic money transfer service Characterized in that the input of the remittance amount, the recipient account number, and the like, the bank code, the remittance amount, the recipient account number, etc. are provided to the full text generation unit 170.

According to the exemplary embodiment of the present invention, the information input unit 160 preferably inputs a remittance bank code and a receivable bank code through the key input unit 120, and is read through the card reader unit 110. If the card information (or account information) includes BIN information for identifying a bank code corresponding to the card information (or account information), inputting the remittance bank code through the key input unit 120 is omitted. The present invention is not limited thereto.

When predetermined card information (or account information) is read through the card reader unit 110 in the electronic transfer mode, the information verification unit 165 uses the card verification information stored in the memory unit 150. By reading the read card information (or account information), it is characterized by checking whether the card information (or account information) comprises cash card information (or account information) for the electronic money transfer service.

According to the implementation method of the present invention, the card verification information comprises at least one or more BIN information corresponding to the cash card for each cash card issuing bank, cash card number system reading information, account number system reading information, etc. Preferably, the card verification unit compares the BIN information included in the card information (or account information) read through the card reader unit 110 with the BIN information included in the card verification information, or compares the card information with the card information. Validate the electronic money transfer through the card information (or account information) by reading by inserting into the cash card number system included in the card verification information or by inserting the account number into the account number system included in the card verification information. It is desirable to verify.

According to an embodiment of the present invention, when the financial card 195 is an IC card, the card verification unit is connected with the card reader 110 to provide card issuing organization information (or IC chip unique information) provided in the IC card. ) Or by confirming the customer real name number provided on the IC card, it is preferable to verify the validity of the electronic money transfer through the card information (or account information).

When the validity of the electronic money transfer through the card information (or account information) is verified by the information verification unit 165, the full text generation unit 170 may input card information (or account information) through the information input unit 160. And a full remittance request code including at least one remittance bank code, remittance amount information, receivable bank code, and payee account number.

When the electronic money request telegram is generated by the telegram generation unit 170, the telegram transmission unit 175 transmits the generated electronic wire transfer request telegram to the electronic transfer server 185 in association with the communication processor 130. The electronic money transfer server 185 receives the electronic money transfer request message, the card information (or account information) included in the electronic money transfer request message, the remittance amount information, the receiving bank code, and the recipient. It is preferable to transmit electronic remittance request information including at least one or more account numbers to the financial company server 190 corresponding to the remittance bank code.

According to the implementation method of the present invention, the specialized transmission unit 175 preferably transmits the electronic transfer request telegram (or electronic transfer approval telegram) encrypted by at least one or more encryption method, the present invention is the encryption method It is not limited by.

According to an embodiment of the present invention, when the remittance bank code and the receiving bank code are the same, the financial institution server 190 remits a remittance for a remittance account corresponding to card information (or account information) included in the electronic remittance request information. After checking the validity of the account and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount validity If the authentication, the financial institution server 190 preferably checks the validity of the receivable account for the payee account number.

According to another embodiment of the present invention, when the remittance bank code and the remittance bank code are different, the financial institution server 190 may determine a remittance account corresponding to the card information (or account information) included in the electronic remittance request information. After checking the validity of the remittance account, and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount If the validity is authenticated, the financial institution server 190 provides the remittance account information to the receiving financial institution server 190 corresponding to the receiving bank code through a predetermined financial settlement server, thereby allowing the financial institution server 190 to provide the remittance account information. After confirming the validity of the beneficiary account for the beneficiary account number, the beneficiary financial company server 190 from the beneficiary account It is desirable to receive validation information.

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 190 electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic money transfer server 185, the electronic money transfer server 185 preferably transmits the full electronic money transfer response message containing the electronic money transfer information to the electronic money transfer terminal (100).

On the other hand, if at least one or more validity of the remittance account validity, the remittance amount validity and the receivable account validity is not authenticated, the financial institution server 190 generates the predetermined electronic remittance processing information including a predetermined electronic remittance error code; The electronic money transfer server 185 transmits the electronic money transfer server 185 to the electronic money transfer terminal 100.

When the electronic money transfer response message is transmitted from the electronic money transfer server 185 to the electronic money transfer terminal 100, the professional receiver 180 is predetermined from the electronic money transfer server 185 through the communication processor 130. Characterized in that the electronic money transfer response message containing the electronic money transfer processing information.

According to the implementation method of the present invention, the full-text receiving unit 180 is the encrypted electronic transfer response full-text (or electronic transfer result) when the electronic transfer response full (or electronic transfer result full) is encrypted by at least one encryption method Full text), and the present invention is not limited to the decoding method.

The specialized processing unit 183 outputs the electronic money transfer information included in the electronic money transfer response message in association with the screen output unit 115, and the remittance account number and the amount of money to the electronic money transfer information When at least one recipient account number and recipient information are included, the specialized processor 183 further includes a user interface for inputting predetermined electronic money transfer approval information for the electronic money transfer processing.

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art It is possible to include at least one or more code information and one time password (OTP) code, if the financial card 195 is an IC card equipped with a predetermined certificate, the certificate further includes the authentication information It can be done.

When the electronic money transfer approval information is input through the key input unit 120, the professional processing unit 183 generates the electronic money transfer approval message including the electronic money transfer approval information through the text generation unit 170. The electronic money transfer approval message is transmitted to the electronic money transfer server 185 through the professional transmission unit 175, and the electronic money transfer server 185 receives the electronic money transfer approval text. Preferably, the electronic money transfer approval information included in the electronic money transfer approval message is transmitted to the financial company server 190, and the financial company server 190 preferably checks the validity of the electronic money transfer approval information.

When the remittance bank code and the receiving bank code are the same according to an embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 190 withdraws the remittance amount from the remittance account. It is preferable to perform an account transfer transaction for depositing to a receivable account, and record the account transfer transaction details in a ledger corresponding to the remittance account, and then generate electronic remittance result information including the account transfer transaction details information. Sending to the transfer server 185, the electronic transfer server 185 preferably transmits the full electronic transfer result containing the electronic transfer result information to the electronic transfer terminal (100).

When the remittance bank code and the receiving bank code are different according to another embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 190 withdraws the remittance amount from the remittance account. And performing an account transfer transaction for depositing the remittance amount into the beneficiary account in connection with the KFTC. The account transfer transaction history is recorded in the ledger corresponding to the remittance account. Generate and transmit the electronic money transfer result information including the information to the electronic money transfer server 185, and the electronic money transfer server 185 transmits the full electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 100. It is desirable to send to.

When the electronic money transfer result message is transmitted from the electronic money transfer server 185 to the electronic money transfer terminal 100, the specialty processor 183 receives a predetermined message from the electronic money transfer server 185 through the professional money receiver 180. Receiving an electronic money transfer result message corresponding to the electronic money transfer message including the electronic money transfer result information, and outputs the electronic money transfer result information included in the electronic money transfer result message in conjunction with the screen output unit 115 It is done.

In addition, the specialized processing unit 183 prints the electronic money transfer result information according to a predetermined printing form through the print output unit 140 to output a predetermined electronic money receipt.

2 is a view showing an operation of the electronic transfer terminal 100 for the electronic transfer processing according to an embodiment of the present invention.

In more detail, Figure 2 relates to the operation of the electronic transfer terminal 100 to process a predetermined electronic transfer through at least two professional transmission and reception in the electronic transfer terminal 100 shown in Figure 1, the present invention Those skilled in the art will be able to infer various implementation methods for the operation of the electronic money transfer terminal 100 for the electronic money transfer process by referring to and / or modifying the present invention. Is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the mode switching step of the electronic money transfer terminal 100 in FIG. 2 is omitted for convenience, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the electronic money transfer terminal 100 in addition to the electronic money transfer service When performing at least one additional function, it will be clearly understood that the mode switching step precedes the operation process shown in FIG.

Referring to FIG. 2, the electronic money transfer terminal 100 shown in FIG. 1 checks whether predetermined card information (or account information) is read from a predetermined financial card 195 through a predetermined card reader (210). .

If the predetermined card information (or account information) is not read through the card reader (215), the electronic money transfer terminal 100 has a predetermined bank code, a remittance amount and a receiving account number through a predetermined screen output means. The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (230).

On the other hand, if predetermined card information (or account information) is read through the card reader (215), the electronic money transfer terminal 100 reads the read card information (or account information) to check the validity of the electronic money transfer. (220).

According to an embodiment of the present invention, the electronic money transfer terminal 100 reads the read card information (or account information) through the card verification information stored in the memory unit 150 to read the card information (or account information). It is preferable to confirm the validity of the electronic money transfer by confirming that)) includes cash card information (or account information) for the electronic money transfer service.

The card verification information may include at least one or more BIN information corresponding to a cash card of each cash card issuing bank, a cash card number system reading information, or an account number system reading information. The terminal 100 compares the BIN information included in the card information (or account information) read through the card reader with the BIN information included in the card verification information, or includes the card information in the card verification information. It is desirable to verify the validity of the electronic money transfer through the card information (or account information) by reading in the credit card number system, or by reading the account number into the account number system included in the card verification information.

According to an embodiment of the present invention, when the financial card 195 is an IC card, the electronic money transfer terminal 100 is linked to the card reader card issuer information provided in the IC card (or IC chip unique information) ) Or by confirming the customer real name number provided on the IC card, it is preferable to verify the validity of the electronic money transfer through the card information (or account information).

If the electronic money transfer validity is not authenticated by reading the card information (or account information) (225), the electronic money transfer terminal 100 reads the card information (or account information) from the financial card 195 again. And, the electronic money transfer validation process is repeated.

On the other hand, if the validity of the electronic money transfer by reading the card information (or account information) (225), the electronic money transfer terminal 100 is a predetermined bank code, remittance amount, receiving account number through a predetermined screen output means The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (230).

If the bank code, the remittance amount, and the receiving account number are input through a predetermined key input means based on the user interface (235), the electronic remittance terminal 100, the card information (or account information) and the bank code, Generate an electronic money transfer request message including at least one transfer amount, a remittance account number, and the like (240), and the electronic money transfer server (185) through a communication network to which the electronic money transfer request message is connected. And transmits a predetermined electronic money transfer response message including predetermined electronic money transfer processing information corresponding to the electronic money transfer request message from the electronic money transfer server 185 (245).

If a predetermined electronic money transfer response message including the electronic money transfer information is received from the electronic money transfer server 185 (250), the electronic money transfer terminal 100 includes electronic money transfer information included in the electronic money transfer response message. Validate for (255).

According to an embodiment of the present invention, when the electronic remittance processing information includes a valid remittance account number, remittance amount, remittance account number and payee information, the electronic remittance terminal 100 confirms the validity of the electronic remittance processing information. In the case where the electronic money transfer information includes predetermined electronic money error information, it is preferable that the electronic money transfer terminal 100 processes that the validity of the electronic money transfer information is not confirmed. Do.

If the validity of the electronic money transfer information is not confirmed (260), the electronic money transfer terminal 100 outputs electronic money transfer error information included in the electronic money transfer information (265), and the electronic End the remittance process.

On the other hand, if the validity of the electronic money transfer information is confirmed (260), the electronic money transfer terminal 100 is the electronic money transfer information (for example, remittance account number, remittance amount, recipient account number, recipient information, etc.) And outputs a user interface for inputting predetermined electronic money transfer approval information, and waits for input of the electronic money transfer approval information through the user interface (270).

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art It is possible to include at least one or more code information and one time password (OTP) code, if the financial card 195 is an IC card equipped with a predetermined certificate, the certificate further includes the authentication information It can be done.

If the electronic money transfer approval information is input through the user interface (275), the electronic money transfer terminal 100 generates a predetermined electronic money transfer approval message including the electronic money transfer approval information (280), the generated The electronic money transfer approval message is transmitted to the electronic money transfer server 185, and the electronic money transfer result message containing the predetermined electronic money transfer result information is received from the electronic money transfer server 185 (285).

If the electronic money transfer result message is received from the electronic money transfer server 185 (290), the electronic money transfer terminal 100 outputs the electronic money transfer result information included in the electronic money transfer result message (295), The electronic money receipt containing the electronic money transfer result information is printed and output (299).

3 is a diagram showing the configuration of the inter-party electronic transfer system through the electronic transfer terminal 100 according to the embodiment of the present invention.

In more detail, FIG. 3 illustrates the electronic money transfer terminal 100 by including the same bank code as the remittance bank code and the receiving bank code included in the electronic money transfer request message transmitted from a predetermined electronic money transfer terminal 100. When the electronic money transfer service includes a party money transfer service that is processed in the same financial institution server 190, the system configuration for providing the money transfer service between the party, as the general design in the art Those skilled in the art will be able to infer various implementation methods for the configuration of the inter-party electronic remittance system through the electronic remittance terminal 100 by referring to and / or modifying the drawing 3, but the present invention is all inferred It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the intermittent electronic money transfer system through the electronic money transfer terminal 100 includes a predetermined electronic money transfer terminal 100 shown in FIG. 1 (or FIG. 5), and the electronic money transfer terminal 100. An electronic money transfer server 185 connected through a predetermined communication network, and a financial company server connected to the electronic money transfer server 185 through a predetermined communication network (eg, a dedicated network) and corresponding to the remittance bank code (or receiving bank code). It characterized in that it comprises a 190, wherein the financial company server 190 has a ledger corresponding to the remittance account (or the receiving account corresponding to the receiving account number) corresponding to the card information (or account information) It is preferable to comprise one ledger D / B.

4 is a diagram illustrating an inter-electronic transfer of funds through the electronic transfer terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 4 is shown in FIG. 3 in the electronic money transfer terminal 100 shown in FIG. 1 (eg, the electronic money transfer terminal 100 that processes a predetermined electronic money transfer through at least two specialized transmissions and receptions). The electronic money transfer is generated by generating an electronic money transfer request message including at least one of predetermined card information (or account information), a remittance bank code, a remittance amount information, a remittance bank code, and a remittee account number, etc. When transmitting to the server 185, the electronic money transfer server 185 processes the electronic money transfer request between the banks in association with a predetermined financial company server 190, and includes electronic money transfer information corresponding to the full text of the electronic money transfer request. Generates a predetermined electronic money transfer response message and transmits it to the electronic money transfer terminal 100, and the electronic money transfer approval information including predetermined electronic money transfer approval information in the electronic money transfer terminal 100. When a statement is generated and transmitted to the electronic money transfer server 185, the electronic money transfer server 185 cooperates with the financial company server 190 to approve the electronic money transfer between the banks and process the account transfer, and then responds to the bank transfer transaction. The present invention relates to a process of outputting the electronic money transfer receipt from the electronic money transfer terminal 100 by generating a predetermined electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 100. Those skilled in the art will be able to infer various implementation methods for the inter-bank electronic remittance process through the electronic remittance terminal 100 by referring to and / or modifying the drawing 4. The devise includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, when an error occurs in each step in describing the author remittance process between the drawings in Figure 4, the exception processing for the error will be omitted for convenience, it will be apparent that the present invention is not limited thereby. It is a bar.

Referring to FIG. 4, the electronic money transfer terminal 100 shown in FIG. 1 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code, and recipient account number in a predetermined electronic money transfer mode. Generate an electronic money transfer request telegram including at least one or more (400), and transmit the generated electronic money transfer request telegram to the electronic money transfer server 185 (405), and correspondingly, the electronic money transfer server 185 Check the financial company server 190 corresponding to the remittance bank code included in the electronic money request message, and the card information (or account information) and the remittance amount included in the electronic money request message to the financial company server 190. Electronic money transfer request information including at least one or more information and the receiving bank code and the recipient account number is transmitted (410).

The financial company server 190 receiving the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or account information) included in the full text of the electronic money request (415), and the remittance account validity. If it is confirmed, check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account (420), and if the remittance account validity and the remittance amount validity is verified, for the recipient account number Check the validity of the received account (425).

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 190 electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic transfer server 185 (430), the electronic transfer server 185 generates an electronic transfer response message containing the electronic transfer processing information and transmits to the electronic transfer terminal 100. (435).

Thereafter, the electronic money transfer terminal 100 inputs predetermined electronic money transfer approval information (440), generates a predetermined electronic money transfer approval message including the electronic money transfer approval information, and transmits it to the electronic money transfer server 185. In operation 445, the electronic money transfer server 185 transmits the electronic money transfer approval information included in the electronic money transfer approval message to the financial company server 190 (450). When the validity of the electronic money transfer approval information is confirmed (455), when the validity of the electronic money transfer approval information is confirmed, withdraw the remittance amount from the remittance account to process an account transfer transaction for depositing the received money account (460). ), After recording the account transfer transaction details in the ledger corresponding to the remittance account (465), the electronic money transfer server 185 by generating electronic transfer result information including the account transfer transaction history information; 470 is transmitted to.

The electronic money transfer server 185 transmits the entire electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 100 (475), and in response, the electronic money transfer terminal 100 transmits the electronic money transfer result. The screen outputs the electronic money transfer result information included in the full text (480), and prints and outputs a predetermined electronic money receipt including the electronic money transfer result information (485).

5 is a view showing the configuration of the electronic transfer between the party line through the electronic transfer terminal 100 according to the embodiment of the present invention.

In more detail, Figure 5 shows the remittance bank code and the receiving bank code included in the full electronic remittance request transmitted from a predetermined electronic remittance terminal 100 includes a different bank code, the electronic remittance terminal 100 If the electronic money transfer service through a predetermined financial settlement server 500 and two or more bank transfers that are processed through two or more financial company server 190 connected through the financial common network, providing the other party electronic money transfer services As a system configuration for the purpose of, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modifying the present Figure 5 for the inter-party electronic transfer system configuration through the electronic transfer terminal 100 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, as shown in FIG. Only the exemplary method is not limited that the technical features.

Referring to FIG. 5, the party-to-line electronic money transfer system through the electronic money transfer terminal 100 includes a predetermined electronic money transfer terminal 100 shown in FIG. 1 (or FIG. 5), and the electronic money transfer terminal 100. An electronic money transfer server 185 connected through a predetermined communication network, a financial company server 190 connected to the electronic money transfer server 185 through a predetermined communication network (for example, a dedicated network) and corresponding to the remittance bank code; Receiving financial company server 505 corresponding to a receivable bank code, the financial company server 190 and the receiving financial company server 505 is connected through a predetermined financial common network, the transfer of funds (for example, the difference between the transfer amount) It is characterized in that it comprises a financial settlement server 500 to provide a service.

Here, the financial company server 190 preferably comprises a ledger D / B having a ledger corresponding to the remittance account corresponding to the card information (or account information), the receiving financial company server 505 is It is preferable to have a ledger D / B having a ledger corresponding to a receiving account corresponding to the receiving account number.

6 is a diagram illustrating a process of electronic transfer between parties through the electronic transfer terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 6 is shown in FIG. 5 in the electronic money transfer terminal 100 shown in FIG. 1 (eg, the electronic money transfer terminal 100 that processes a predetermined electronic money transfer through at least two professional transmissions and receptions). The electronic money transfer is generated by generating an electronic money transfer request message including at least one of predetermined card information (or account information), a remittance bank code, a remittance amount information, a remittance bank code, and a remittee account number, etc. When transmitting to the server 185, the electronic transfer server 185 processes the electronic transfer request between the parties in connection with the predetermined financial company server 190, and then includes the electronic transfer processing information corresponding to the entire electronic transfer request. Generates a predetermined electronic money transfer response message and transmits it to the electronic money transfer terminal 100, and the electronic money transfer victory information including predetermined electronic money transfer approval information in the electronic money transfer terminal 100. When the full text is generated and transmitted to the electronic money transfer server 185, the electronic money transfer server 185 cooperates with the financial company server 190 to approve an electronic transfer between parties and transfer the account, and then correspond to the account transfer transaction. The present invention relates to a process of outputting the electronic money transfer receipt from the electronic money transfer terminal 100 by generating a predetermined electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 100. Those skilled in the art may refer to and / or modify this drawing 6 to infer various implementation methods for the inter-party electronic transfer process through the electronic transfer terminal 100. The design is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, when an error occurs in each step in the process of the author's remittance between the lines in FIG. 6, an exception handling process for the error will be omitted for convenience, but the present invention is not limited thereto. Two are.

Referring to FIG. 6, the electronic money transfer terminal 100 shown in FIG. 1 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code and payee account number in a predetermined electronic money transfer mode. Generate an electronic money transfer request message including at least one or more (600), and transmit the generated electronic money transfer request message to the electronic money transfer server 185 (605), and correspondingly, the electronic money transfer server 185 Check the financial company server 190 corresponding to the remittance bank code included in the electronic money request message, and the card information (or account information) and the remittance amount included in the electronic money request message to the financial company server 190. Electronic remittance request information including at least one or more information and the receiving bank code and the recipient account number is transmitted (610).

The financial company server 190 receiving the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or account information) included in the full text of the electronic money request (615), and the remittance account validity. If it is confirmed, check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account (620), and if the remittance account validity and the remittance amount validity is authenticated, a predetermined financial settlement server ( After providing the remittance account information to the beneficiary financial company server 505 corresponding to the beneficiary bank code through 500, the beneficiary financial company server 505 requests to confirm the validity of the receivable account for the beneficiary account number (625). ), Receiving the account validity confirmation information from the beneficiary financial company server 505 to validate the account validity for the payee account number; Check (630).

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 190 electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic transfer server 185 (635), the electronic transfer server 185 generates an electronic transfer response message containing the electronic transfer processing information and transmits to the electronic transfer terminal 100. (640).

Thereafter, the electronic money transfer terminal 100 inputs predetermined electronic money transfer approval information (645), generates a predetermined electronic money transfer approval message including the electronic money transfer approval information, and transmits it to the electronic money transfer server 185. In operation 650, the electronic money transfer server 185 transmits the electronic money transfer approval information included in the electronic money transfer approval message to the financial company server 190 (655). When the validity of the electronic money transfer approval information is confirmed (660) and the validity of the electronic money transfer approval information is confirmed, withdraw the remittance amount from the remittance account, the remittance amount in connection with the KFTC 500 Process the bank transfer transaction for depositing the money into the receiving account (665), recording the bank transfer transaction details in the ledger corresponding to the remittance account (670), and including the account transfer transaction history information; The electronic money transfer result information is generated and transmitted to the electronic money transfer server 185 (675).

The electronic money transfer server 185 transmits the entire electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 100 (680), and correspondingly, the electronic money transfer terminal 100 transmits the electronic money transfer result. The electronic money transfer result information included in the full text is displayed on the screen (685), and the predetermined electronic money transfer receipt including the electronic money transfer result information is printed and output (690).

7 is a diagram illustrating a functional configuration of an electronic money transfer terminal 700 according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates an embodiment of a method of processing electronic money transfer through a single professional transmission and reception at a predetermined electronic money transfer terminal 700 (eg, a kiosk-type electronic money transfer device) for the electronic money transfer service. Those skilled in the art to which the subject matter pertains, it is possible to infer the functional configuration of the various electronic remittance terminal 700 for the electronic transfer service by referring to and / or modifying the present figure 7, the technical characteristics of the subject innovation It is to be understood that the present invention is not limited to the drawing, but includes all the inferred implementation methods.

Referring to FIG. 7, the electronic money transfer terminal 700 for the electronic money transfer service basically includes a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, and a screen output unit 715. And a communication supply unit 730, a security application module 735, a print output unit 740, and a power supply unit 725 for supplying power to the electronic money transfer terminal 700. One or more terminal functional units (not shown).

The control unit 705 controls the overall operation of the electronic money transfer terminal 700 according to the function configuration, manages the flow of information (or data) between each component, and is provided in the electronic money transfer terminal 700 for the electronic money transfer function. At least one processor and an execution memory (eg, a register and / or a hardware) including a central processing unit (CPU) / micro processing unit (MPU) in hardware and at least one component. RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and also from the predetermined recording medium in order to perform a function specific to the electronic money transfer terminal 700 by software Contains program routines and / or program data that are loaded into execution memory and computed by the processor. In addition, a predetermined program recorded on a recording medium provided in the electronic money transfer terminal 700 for an electronic money transfer function, and / or a component that can be processed in software among functional configurations provided in the electronic money transfer terminal 700. To be provided in the control unit 705).

According to the implementation method of the present invention, the control unit 705 is a component (for example, the memory unit 750, card reader 710, key input unit 720 and the screen provided in the electronic money transfer terminal 700) The electronic money transfer terminal by interworking an output unit 715, a communication processing unit 730, a security application module 735, a print output unit 740, and / or a terminal function unit (not shown) according to the intention of a person skilled in the art. Control and manage the various additional functions defined in (700), as well as control the components provided in the electronic money transfer terminal 700 for the electronic money transfer service according to the present invention, and / Alternatively, it is preferable to execute a program recorded on a recording medium provided in the electronic money transfer terminal 700 for the electronic money transfer service.

The memory unit 750 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the electronic money transfer terminal 700 is performed. General term for non-volatile memory for storing information (or data), including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD). And at least one storage means, wherein the control unit 705 inputs or outputs predetermined program routines and program data (eg, the program routines are required to perform a predetermined function). Output data) is stored.

According to the implementation method of the present invention, the memory unit 750 is the card information read through the card reader unit 710 in the electronic transfer terminal 700 in the electronic transfer mode is a cash card capable of electronic transfer service It is preferable to store card verification information for verifying whether the corresponding card information (or account information).

Here, by reading the card number system of the card information read through the card reader unit 710, the card number (or account number) included in the card information is available for electronic card transfer cash card information (or account information) As information for verifying identification, it is preferable to include at least one or more Bank Identification Number (BIN) information, a cash card number system reading information, or an account number system reading information corresponding to a cash card of each cash card issuing bank. Do.

The customer receiving the electronic money transfer service according to the present invention through the electronic money transfer terminal 700, the contact type based on the MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard based on the ISO / IEC 7810 standard Possesses (or owns) a financial card 795 including at least one IC card (or wireless IC chip) and / or a non-contact IC card (or wireless IC chip) based on ISO / IEC 14443. The card reader unit 710 may provide an interface for reading at least one or more card information included in the financial card 795.

Here, the financial card 795 preferably comprises a cash card (or financial common network) for the electronic money transfer service.

According to the implementation method of the present invention, the card reader unit 710 is an MS reader unit for providing an interface between the MS card and the electronic money transfer terminal 700, and / or the contact IC card and the electronic money transfer terminal ( 700) a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the electronic money transfer terminal 700.

The MS reader unit is a card reader unit 710 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized in that the interface of the predetermined card information from the at least one or more tracks provided in the MS of the MS card to the electronic transfer terminal 700 by using the loaded.

According to an embodiment of the present invention, when the operation mode of the electronic money transfer terminal 700 is an electronic money transfer mode, track data including at least one track I, track II and track III of the MS included in the financial IC card. It is preferable to read card information corresponding to a predetermined cash card for the electronic money transfer service by reading.

The contact IC reader unit is a card reader unit 710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. And supply power to the IC chip of the IC card through the contact point, and transmit predetermined card information from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized in that the interface to the remittance terminal 700.

According to the implementation method of the present invention, when the operation mode of the electronic money transfer terminal 700 is the electronic money transfer mode, the electronic money transfer service from the cash card storage information, financial common network storage information, etc. provided in the financial IC card; It is preferable to read the card information (or account information) corresponding to the predetermined cash card.

The contactless IC reader part is a card reader part 710 based on ISO / IEC 14443. The contactless IC reader part may be at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and electronically transfers predetermined card information from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the terminal 700.

According to the implementation method of the present invention, when the operation mode of the electronic money transfer terminal 700 is the electronic money transfer mode, the electronic money transfer service from the cash card storage information, financial common network storage information, etc. provided in the financial IC card; It is preferable to read the card information (or account information) corresponding to the predetermined cash card.

The key input unit 720 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or signal) input from the key input device of the electronic device and detects the information (or signal) from the key input device of the electronic input terminal 700 in the specific operation mode (or input mode) of the electronic input terminal 700. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 705. The controller 705 obtains predetermined key data corresponding to the key event in the current operation mode (or input mode) of the electronic money transfer terminal 700, and / or is defined to match the key event. And obtaining a command for executing a definition function. The key input unit 720 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the electronic money transfer terminal 700.

The key input device interoperating with the key input unit 720 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an embodiment of the present invention, the key input unit 720 is at least one or more key data (for example, bank code, money transfer required for the electronic money transfer service providing process from the key input device for the electronic money transfer service according to the present invention) It is preferable to perform the function of the key input means for receiving the amount (receipt account number, etc.).

According to an embodiment of the present invention, the key input device corresponding to the key input unit 720 is a key button for switching the operation mode of the electronic money transfer terminal 700 to an electronic money transfer mode for an electronic money transfer service according to the present invention. It is desirable to be provided with.

The screen output unit 715 is a liquid crystal display (LCD) and / or CRT (by the control unit 705) in the process of the electronic transfer terminal 700 performs a predetermined function (for example, the electronic transfer processing function) And at least one information (or data) that is predefined or defined in real time to be output to a predetermined display output device including a Cathode Ray Tube) through a predefined interface screen. 715 and the screen output device interoperate with each other to perform the function of the screen output means provided in the electronic money transfer terminal 700.

Predefined information (or data) to be output from the electronic money transfer terminal 700 to the screen output device is provided in the key data input through the key input unit 720 and / or in the electronic money transfer terminal 700. Corresponding to information (or data) stored or generated by the component, information (or data) transmitted / received through the communication processor 730, and / or a predetermined operation result performed by the electronic money transfer terminal 700. It comprises at least one (or data) to do.

According to a preferred embodiment of the present invention, the screen output unit 715 is a function of the screen output means for outputting a processing screen corresponding to the electronic money transfer service providing step to the screen output device for the electronic money transfer service according to the present invention It is preferable to carry out.

The communication processor 730 connects the communication channel with the electronic money transfer server 788 through a predetermined communication network in the process of the electronic money transfer terminal 700 performing a predetermined function (for example, the electronic money processing function). It comprises a communication protocol and / or driver for connecting the communication channel in software.

The communication processor 730 may be a wired communication network including at least one or more xDSL-based wired communication network, public switched telephone network (PSTN), intelligent network, Ethernet, or the like, or code division multiple access (CDMA). / WCDMA (Wide-CDMA) based mobile communication network, high-speed downlink packet access (HSDPA) based wireless communication network, and the wireless communication network including at least one or more, including the IEEE 802.16x-based mobile Internet and the like to communicate with the electronic money transfer server 788 Characterized by connecting a channel, including a modem or a network interface card (NIC) for connecting the electronic money transfer terminal 700 to the communication network in hardware, the electronic money transfer in software And a communication protocol and / or a driver for connecting the terminal 700 to the communication network.

The security application module (735) is a confidentiality required in the process of performing the electronic transfer function through the financial card 795 in the electronic transfer mode provided in the electronic transfer terminal 700 (Confidentiality) And / or security requirements, including Authentication and / or Integrity and / or Nonrepudiation, etc., without using an authentication server (or electronic money transfer server 788) on the network. As a safety device for performing a safe and reliable structure within the remittance terminal 700, a predetermined message processed in the process of the electronic remittance terminal 700 performs a predetermined security request function (for example, the electronic remittance function). Important in the process of encrypting or decrypting (information, data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It is characterized by performing a function of storing the core information.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 735 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the electronic money transfer terminal 700 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 740 may be configured to process predetermined and / or predetermined information (or data) generated as a result of performing the predetermined function (eg, the electronic transfer processing function) of the electronic money transfer terminal 700 and / or as a result. Characterized in that it is output in accordance with the print form, it is preferable that the print form comprises at least one electronic transfer receipt.

Referring to FIG. 7, the electronic money transfer terminal 700 checks whether an operation mode of the electronic money transfer terminal 700 corresponds to the electronic money transfer service in order to provide an electronic money transfer service according to the present invention. When the mode check unit 755 and the operation mode of the electronic money transfer terminal 700 is the electronic money transfer mode, a predetermined card for the electronic money transfer service from the customer card through the card reader 710. Read and enter information (or account information), or a bank code, a remittance amount, a payee account number, and the card information (or account) for the electronic money transfer service from a predetermined key input means through the key input unit 720; The read card information (or information) through the information input unit 760 for inputting predetermined electronic money transfer approval information corresponding to the number) and the card verification information included in the memory unit 750. Information verification unit 765 for validating the electronic money transfer through the account information), card information (or account information) inputted through the information input unit 760, bank code, remittance amount information, payee account number, and electronic money transfer. The full text generation unit 770 for generating an electronic money transfer request message including at least one authentication information, and the electronic money transfer request message in connection with the communication processing unit 730 to the electronic money transfer server 788. A professional transmission unit 775 for receiving an electronic money transfer result message including predetermined electronic money transfer result information from the electronic money transfer server 788 through the communication transmitter 775, the communication processor 730, and the screen; And an information output unit 785 for outputting the electronic money transfer result information included in the electronic money transfer response message in association with the output unit 715. The information output unit 785 is an image. In conjunction with the print output section 740 and a predetermined transfer receipt containing the electron transfer result information, it characterized in that the printed output.

The mode checking unit 755 checks whether the operation mode of the electronic money transfer terminal 700 is an electronic money transfer mode corresponding to the electronic money transfer service periodically (or in response to the electronic money transfer mode switch key event). It is done.

If the check result is that the operation mode of the electronic money transfer terminal 700 is not the electronic money transfer mode, the electronic money transfer terminal 700 performs various additional functions provided in the electronic money transfer terminal 700, while the electronic When the operation mode of the transfer terminal 700 is confirmed as the electronic transfer mode, the mode check unit 755 outputs the electronic transfer mode check result through the screen output unit 715, and then the information input unit 760. Process to input at least one or more information (or data) for the electronic money transfer service through.

The information input unit 760 is a predetermined card for the electronic money transfer service from the financial card 795 through the card reader 710 to process the electronic money transfer corresponding to the electronic money transfer mode for the electronic money transfer service. The information (or account information) is read and inputted, and the input card information (or account information) is provided to the information verification unit 765.

According to an embodiment of the present invention, when the financial card 795 is an IC card, the information input unit 760 outputs a predetermined PIN (Personal Identification Number) input screen in association with the screen output unit 715. When predetermined PIN information is input through the key input unit 720, the PIN information is provided to the IC card in association with the card reader unit 710 to read the card information (or account information). It is desirable to perform a PIN authentication procedure.

In addition, the information input unit 760 is a bank code for the electronic money transfer service from a predetermined key input means through the key input unit 720 to process the electronic money transfer corresponding to the electronic money transfer mode for the electronic money transfer service. Characterized in that the input, the remittance amount, the recipient account number, and provides the input bank code, the remittance amount, the recipient account number and the like to the full text generation unit 770.

According to the exemplary embodiment of the present invention, the information input unit 760 may be configured to input a remittance bank code and a receiving bank code through the key input unit 720. When card information (or account information) includes BIN information for identifying a bank code corresponding to the card information (or account information), inputting the remittance bank code through the key input unit 720 is omitted. The present invention is not limited thereto.

In addition, the information input unit 760, the card information (or account information) from a predetermined key input means through the key input unit 720 in order to process the electronic transfer corresponding to the electronic transfer mode for the electronic transfer service Characterized in that the predetermined electronic money transfer approval information corresponding to the input, the electronic money transfer approval information is provided to the full text generation unit 770.

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art It is possible to include at least one or more code information and one time password (OTP) code, if the financial card 795 is an IC card equipped with a predetermined official certificate, further includes the official certificate authentication information It can be done.

When predetermined card information (or account information) is read through the card reader unit 710 in the electronic transfer mode, the information verification unit 765 uses the card verification information stored in the memory unit 750. By reading the read card information (or account information), it is characterized by checking whether the card information (or account information) comprises cash card information (or account information) for the electronic money transfer service.

According to the implementation method of the present invention, the card verification information comprises at least one or more BIN information corresponding to the cash card for each cash card issuing bank, cash card number system reading information, account number system reading information, etc. Preferably, the card verification unit compares the BIN information included in the card information (or account information) read through the card reader unit 710 with the BIN information included in the card verification information, or compares the card information. Validate the electronic money transfer through the card information (or account information) by reading by inserting into the cash card number system included in the card verification information or by inserting the account number into the account number system included in the card verification information. It is desirable to verify.

According to an embodiment of the present invention, when the financial card 795 is an IC card, the card verification unit is connected with the card reader unit 710 to provide card issuing organization information (or IC chip unique information) provided in the IC card. ) Or by confirming the customer real name number provided on the IC card, it is preferable to verify the validity of the electronic money transfer through the card information (or account information).

When the validity of the electronic money transfer through the card information (or account information) is verified by the information verification unit 765, the full text generation unit 770 may input card information (or account information) through the information input unit 760. And a full remittance request code including remittance bank code, remittance amount information, receivable bank code, payee account number, and the electronic remittance approval information.

When the electronic money request message is generated by the text generation unit 770, the text message transmission unit 775 transmits the generated electronic money request text message in association with the communication processor 730 to the electronic money transfer server 788. The electronic money transfer server 788 receives the electronic money transfer request message, and the card information (or account information) included in the electronic money transfer request message, the remittance amount information, the receiving bank code, and the payee. It is preferable to transmit electronic remittance request information including at least one or more account numbers to the financial institution server 790 corresponding to the remittance bank code.

According to the implementation method of the present invention, the specialized transmission unit 775 preferably transmits the electronic money transfer request by encrypting at least one encryption method, the present invention is not limited by the encryption method.

According to an embodiment of the present invention, when the remittance bank code and the receiving bank code are the same, the financial institution server 790 remits a remittance for a remittance account corresponding to the card information (or account information) included in the electronic remittance request information. After checking the validity of the account and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount validity If the authentication, the financial institution server 790 preferably checks the validity of the receivable account for the payee account number.

According to another embodiment of the present invention, when the remittance bank code and the remittance bank code are different, the financial institution server 790 may determine a remittance account corresponding to the card information (or account information) included in the electronic remittance request information. After checking the validity of the remittance account, and the validity of the remittance account, it is preferable to check the remittance amount validity to check whether the amount corresponding to the remittance amount information is deposited in the remittance account, the remittance account validity and the remittance amount If the validity is authenticated, the financial institution server 790 provides the remittance account information to the receiving financial institution server 790 corresponding to the receiving bank code through a predetermined financial settlement server, thereby allowing the financial institution server 790 to provide the remittance account information. After confirming the validity of the beneficiary account for the beneficiary account number, the beneficiary account company 790 from the beneficiary account It is desirable to receive validation information.

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 790 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generates and transmits to the electronic money transfer server 788, in which case the electronic money transfer server 788 preferably transmits the electronic money transfer approval information included in the electronic money transfer request message to the financial company server 790. .

On the other hand, if at least one or more validity of the remittance account validity, the remittance amount validity and the remittance account validity is not authenticated, the financial institution server 790 generates the predetermined electronic remittance result information including a predetermined electronic remittance error code The electronic money transfer server 788 is transmitted, and the electronic money transfer server 788 preferably transmits the entire electronic money transfer result including the electronic money transfer result information to the electronic money transfer terminal 700.

If the electronic money transfer server 788 transmits the electronic money transfer approval information to the financial company server 790, the financial company server 790 preferably checks the validity of the electronic money transfer approval information.

When the remittance bank code and the receiving bank code are the same according to one embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 790 withdraws the remittance amount from the remittance account. It is preferable to perform an account transfer transaction for depositing to a receivable account, and record the account transfer transaction details in a ledger corresponding to the remittance account, and then generate electronic remittance result information including the account transfer transaction details information. Sending to the transfer server 788, the electronic transfer server 788 preferably transmits the full electronic transfer result containing the electronic transfer result information to the electronic transfer terminal 700.

When the remittance bank code and the receiving bank code are different according to another embodiment of the present invention, when the validity of the electronic money transfer approval information is confirmed, the financial institution server 790 withdraws the remittance amount from the remittance account. And performing an account transfer transaction for depositing the remittance amount into the beneficiary account in connection with the KFTC. The account transfer transaction history is recorded in the ledger corresponding to the remittance account. Generates electronic money transfer result information including information and transmits it to the electronic money transfer server 788, and the electronic money transfer server 788 transmits the entire electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 700. It is desirable to send to.

When the electronic money transfer full message is transmitted from the electronic money transfer server 788 to the electronic money transfer terminal 700, the information receiver includes the electronic money transfer result information from the electronic money transfer server 788. Receiving the full text of the electronic money transfer result corresponding to the full text.

According to an embodiment of the present invention, when the full text message is encrypted by at least one encryption method, the full text receiver 780 preferably decrypts the encrypted full text message, and the present invention decrypts the full text message. It is not limited by the method.

Thereafter, the information output unit 785 outputs electronic money transfer result information included in the electronic money transfer result message in association with the screen output unit 715.

The information output unit 785 may print the electronic money transfer result information according to a predetermined printing form through the print output unit 740 to output a predetermined electronic money receipt.

8 is a view showing an operation of the electronic transfer terminal 700 for the electronic transfer processing according to another embodiment of the present invention.

In more detail, FIG. 8 relates to an operation process of the electronic money transfer terminal 700 for processing a predetermined electronic money transfer through a single professional transmission and reception in the electronic money transfer terminal 700 shown in FIG. Those skilled in the art will be able to infer various implementation methods for the operation of the electronic money transfer terminal 700 for the electronic money transfer process by referring to and / or modifying the present invention. It is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the mode switching step of the electronic money transfer terminal 700 in FIG. 8 is omitted for convenience, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the electronic money transfer terminal 700 in addition to the electronic money transfer service When performing at least one additional function, it will be clearly understood that the mode switching step precedes the operation process shown in FIG.

Referring to FIG. 8, the electronic money transfer terminal 700 illustrated in FIG. 7 checks whether predetermined card information (or account information) is read from a predetermined financial card 795 through a predetermined card reader (810). .

If the predetermined card information (or account information) is not read through the card reader (815), the electronic money transfer terminal 700 has a predetermined bank code, a remittance amount, and a receiving account number through a predetermined screen output means. The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (830).

On the other hand, if predetermined card information (or account information) is read through the card reader (815), the electronic money transfer terminal 700 reads the read card information (or account information) to check the validity of the electronic money transfer. (820).

According to an embodiment of the present invention, the electronic money transfer terminal 700 reads the read card information (or account information) through the card verification information stored in the memory unit 750 to read the card information (or account information). It is preferable to confirm the validity of the electronic money transfer by confirming that)) includes cash card information (or account information) for the electronic money transfer service.

The card verification information may include at least one or more BIN information corresponding to a cash card of each cash card issuing bank, a cash card number system reading information, or an account number system reading information. The terminal 700 compares the BIN information included in the card information (or account information) read through the card reader with the BIN information included in the card verification information, or includes the card information in the card verification information. It is desirable to verify the validity of the electronic money transfer through the card information (or account information) by reading in the credit card number system, or by reading the account number into the account number system included in the card verification information.

According to an embodiment of the present invention, when the financial card 795 is an IC card, the electronic money transfer terminal 700 is linked to the card reader card issuer information provided in the IC card (or IC chip unique information) ) Or by confirming the customer real name number provided on the IC card, it is preferable to verify the validity of the electronic money transfer through the card information (or account information).

If the electronic money transfer validity is not verified by reading the card information (or account information) (825), the electronic money transfer terminal 700 reads the card information (or account information) from the financial card 795 again. And, the electronic money transfer validation process is repeated.

On the other hand, if the validity of the electronic money transfer by reading the card information (or account information) (825), the electronic money transfer terminal 700 is a predetermined bank code, remittance amount, receiving account number through a predetermined screen output means The user interface is output, and the bank code, the remittance amount, and the receiving account number are waited for input through a predetermined key input means based on the user interface (830).

If the bank code, the remittance amount, and the receiving account number are input through a predetermined key input means based on the user interface (835), the electronic money transfer terminal 700 inputs predetermined electronic money transfer approval information. A screen is output and the electronic money transfer approval information is awaited through the user interface (840).

According to the implementation method of the present invention, the electronic money transfer approval information preferably comprises an account password corresponding to the remittance account number corresponding to the card information (or account information), withdrawal password, security according to the intention of those skilled in the art It is possible to include at least one or more code information and one time password (OTP) code, if the financial card 795 is an IC card equipped with a predetermined official certificate, further includes the official certificate authentication information It can be done.

* If the electronic money transfer approval information is input through the user interface (845), the electronic money transfer terminal 700 is the card information (or account information) and bank code, remittance amount, receipt account number and electronic money transfer approval information, etc. Generate a full text transfer request message containing at least one (850), and transmits the full electronic money transfer request message to a predetermined electronic money transfer server 788 through a communication network connected to the electronic money transfer terminal 700, the electronic The transmission server 788 receives a predetermined electronic money transfer result message including the predetermined electronic money transfer result information corresponding to the electronic money transfer request message (855).

If the electronic money transfer result message is received from the electronic money transfer server 788 (860), the electronic money transfer terminal 700 outputs the electronic money transfer result information included in the electronic money transfer result message (865), A predetermined electronic money receipt including the electronic money transfer result information is printed and output (870).

9 is a diagram illustrating an inter-electronic transfer of funds through the electronic transfer terminal 700 according to another embodiment of the present invention.

In more detail, FIG. 9 shows the electronic money transfer terminal 700 shown in FIG. 7 (eg, the electronic money transfer terminal 700 that processes a predetermined electronic money transfer through one full-text transmission and reception). Based on the interline electronic remittance system, generate a full electronic remittance request message including at least one of predetermined card information (or account information), remittance bank code, remittance amount information, beneficiary bank code, beneficiary account number, and electronic remittance authentication information. When the transfer to the electronic transfer server 788, the electronic transfer server 788 in conjunction with a predetermined financial institution server 790 to process the electronic transfer request between the party, and approves the electronic transfer between the party through the electronic transfer authentication information And after the bank transfer processing, and generates a predetermined electronic transfer result full text including the electronic transfer result information corresponding to the bank transfer transaction, and transmits to the electronic transfer terminal 700, Regarding the process of outputting the electronic money receipt from the electronic money transfer terminal 700, those having ordinary knowledge in the technical field to which the present invention belongs, will be referred to and / or modified to the present figure 9 to the electronic money transfer terminal ( It will be able to infer a variety of implementation method for the inter-electronic remittance process through 700, but the present invention includes all the implementation method inferred, the technical features are limited only by the implementation method shown in FIG. Not.

Hereinafter, when an error occurs in each step in the process of author remittance between the authors in this figure 9, the exception handling process for the error is described for convenience, but it is clearly revealed that the present invention is not limited thereto. It is a bar.

Referring to FIG. 9, the electronic money transfer terminal 700 shown in FIG. 7 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code, and recipient account number in a predetermined electronic money transfer mode. And generating an electronic money transfer request message including at least one or more electronic money transfer approval information (900), and transmitting the generated electronic money transfer request message to the electronic money transfer server 788 (905) and correspondingly to the electronic money transfer request message. The remittance server 788 checks the financial institution server 790 corresponding to the remittance bank code included in the electronic remittance request message, and the card information (or account) included in the electronic remittance request message to the financial institution server 790. Information), electronic money transfer request information including at least one or more of the remittance amount information, the receiving bank code, and the payee account number (910).

The financial institution server 790 which has received the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or the account information) included in the full text of the electronic money request (915), and the remittance account validity. If it is confirmed, check the remittance amount validity to confirm whether the amount corresponding to the remittance amount information is deposited in the remittance account (920), and if the remittance account validity and the remittance amount validity is verified, for the payee account number Check the validity of the receivable account (925).

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 790 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic transfer server 788 (930), the electronic transfer server 788 reads the electronic transfer processing information to determine whether the electronic transfer validity is authenticated (935).

According to the implementation method of the present invention, the electronic money transfer server 788 confirms that the electronic money transfer validity is authenticated when the electronic money transfer information includes a valid remittance account number, a remittance amount, a remittance account number, and a payee information. It is desirable to.

Thereafter, the electronic money transfer server 788 transmits the electronic money transfer approval information included in the electronic money transfer request message to the financial company server 790 (940), and in response thereto, the financial company server 790 transmits the electronic money transfer. When the validity of the approval information is confirmed (945), when the validity of the electronic money transfer approval information is confirmed, withdraw the remittance amount from the remittance account to process an account transfer transaction for depositing the received account (950), After recording the account transfer transaction details in the ledger corresponding to the remittance account (955), the electronic money transfer result information including the account transfer transaction history information is generated and transmitted to the electronic money transfer server (788) (960).

The electronic money transfer server 788 transmits the entire electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 700 (965), and the electronic money transfer terminal 700 corresponds to the electronic money transfer result. The electronic funds transfer result information included in the full text is output on the screen (970), and a predetermined electronic money transfer receipt including the electronic money transfer result information is printed and output (975).

10 is a diagram illustrating a process of electronic transfer between parties through the electronic transfer terminal 700 according to another embodiment of the present invention.

In more detail, FIG. 10 shows the electronic money transfer terminal 700 shown in FIG. 7 (eg, the electronic money transfer terminal 700 that processes a predetermined electronic money transfer through one full-text transmission and reception). Based on the interline electronic remittance system, generate a full electronic remittance request message including at least one of predetermined card information (or account information), remittance bank code, remittance amount information, beneficiary bank code, beneficiary account number, and electronic remittance authentication information. When the transfer to the electronic transfer server 788, the electronic transfer server 788 in connection with the predetermined financial company server 790 processes the inter-party electronic transfer request, and approves the inter-party electronic transfer through the electronic transfer authentication information And after the bank transfer processing, generates a predetermined electronic money transfer result message including the electronic money transfer result information corresponding to the wire transfer transaction, and transmits it to the electronic money transfer terminal 700. When the electronic money transfer terminal 700 outputs the electronic money receipt, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the electronic transmission by referring to FIG. 10. It will be able to infer various implementation methods for the process of electronic transfer between the other party through the terminal 700, but the present invention includes all the implementation methods inferred, the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, when an error occurs in each step in the process of the remittance between the authors in this figure 10, an exception handling process for the error will be omitted for convenience, but it will be clearly understood that the present invention is not limited thereto. It is a bar.

Referring to FIG. 10, the electronic money transfer terminal 700 shown in FIG. 7 includes predetermined card information (or account information), remittance bank code, remittance amount information, receiving bank code, and recipient account number in a predetermined electronic money transfer mode. And generating an electronic money transfer request message including at least one or more electronic money transfer approval information (1000), and transmitting the generated electronic money transfer request message to the electronic money transfer server 788 (1005), and correspondingly the electronic money transfer message. The remittance server 788 checks the financial institution server 790 corresponding to the remittance bank code included in the electronic remittance request message, and the card information (or account) included in the electronic remittance request message to the financial institution server 790. Information), electronic funds transfer request information including at least one or more of the remittance amount information, the receiving bank code, and the recipient account number (1010).

The financial company server 790 which has received the electronic money request information checks the validity of the remittance account for the remittance account corresponding to the card information (or the account information) included in the full text of the electronic money request (1015), and the remittance account validity. When the check is confirmed, the remittance amount validity confirms whether the amount corresponding to the remittance amount information is deposited in the remittance account (1020), and if the remittance account validity and the remittance amount validity is verified, a predetermined financial settlement server ( After providing the remittance account information to the beneficiary financial company server 1090 corresponding to the beneficiary bank code through 1085, the beneficiary financial company server 1090 requests to confirm the validity of the receivable account for the beneficiary account number (1025). ), Receiving the receivable account validity confirmation information from the receivable financial company server 1090 to validate the receivable account for the payee account number Check the sex (1030).

If both the remittance account validity and the remittance amount validity and the remittance account validity are authenticated, the financial institution server 790 is electronic remittance processing information including at least one of the remittance account number, remittance amount, remittance account number, payee information Generate and transmit to the electronic transfer server 788 (1035), the electronic transfer server 788 reads the electronic transfer processing information to check whether the electronic transfer validity is authenticated (1040).

According to the implementation method of the present invention, the electronic money transfer server 788 confirms that the electronic money transfer validity is authenticated when the electronic money transfer information includes a valid remittance account number, a remittance amount, a remittance account number, and a payee information. It is desirable to.

Thereafter, the electronic money transfer server 788 transmits the electronic money transfer approval information included in the electronic money transfer request message to the financial company server 790 (1045), and in response, the financial company server 790 transmits the electronic money transfer. When the validity of the approval information is confirmed (1050), and the validity of the electronic money transfer approval information is confirmed, withdraw the remittance amount from the remittance account, and relate the remittance amount to the financial settlement server (1085). After processing a bank transfer transaction for depositing a receivable account (1055), recording the bank transfer transaction details in the ledger corresponding to the remittance account (1060), and generates electronic money transfer result information including the bank transfer transaction history information. And transmits to the electronic money transfer server 788 (1065).

The electronic money transfer server 788 transmits the entire electronic money transfer result information including the electronic money transfer result information to the electronic money transfer terminal 700 (1070), and correspondingly, the electronic money transfer terminal 700 transmits the electronic money transfer result. The electronic funds transfer result information included in the full text is output on the screen (1075), and a predetermined electronic money transfer receipt including the electronic money transfer result information is printed and output (1080).

According to the present invention, there is an advantage of providing an electronic money transfer service irrelevant to liquidity problems through a low cost electronic money transfer terminal (eg, 20-300,000 won per unit) instead of an expensive unmanned financial terminal (eg, 4 million won per unit).

According to the present invention, by providing an inexpensive electronic money transfer terminal in a public place, a wholesale market, or a distribution warehouse, customers can conveniently perform the electronic money transfer service through the electronic money transfer terminal without visiting a branch (or an unknown point) of a bank. There is an advantage to use.

1 is a view showing a functional configuration of an electronic money transfer terminal according to an embodiment of the present invention.

2 is a diagram illustrating an operation of an electronic money transfer terminal for electronic money transfer processing according to an embodiment of the present invention.

3 is a view showing the configuration of the electronic transfer system between the bank through the electronic transfer terminal according to an embodiment of the present invention.

4 is a diagram illustrating an inter-electronic transfer of funds through the electronic transfer terminal according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a configuration of an electronic transfer system between parties through an electronic transfer terminal according to an embodiment of the present invention.

6 is a diagram illustrating a process of electronic transfer between parties through an electronic transfer terminal according to an embodiment of the present invention.

7 is a diagram illustrating a functional configuration of an electronic money transfer terminal according to another embodiment of the present invention.

8 is a diagram illustrating an operation of an electronic money transfer terminal for electronic money transfer processing according to another embodiment of the present invention.

9 is a diagram illustrating an inter-electronic transfer of funds through the electronic transfer terminal according to another embodiment of the present invention.

10 is a diagram illustrating a process of electronic transfer between parties through an electronic transfer terminal according to another embodiment of the present invention.

<Description of main parts of drawing>

100: electronic money transfer terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: power supply unit

130: communication processing unit 135: security application module

140: print output unit 145: printing apparatus

150: memory unit 155: mode confirmation unit

160: information input unit 165: information verification unit

170: professional generation unit 175: professional transmission unit

180: professional receiving unit 183: professional processing unit

185: electronic money transfer server 190: financial company server

195: Financial Card

Claims (1)

In the terminal having a card reader for reading card information, A mode checking unit for checking whether an operation mode of the electronic money transfer-only terminal is switched to an electronic money transfer mode; An information verification unit which checks whether the read card information includes cash card information (or account information) capable of electronic transfer transaction; An information input unit for inputting a remittance bank code, a remittance bank code, a remittance amount, and a remittee account number for electronic remittance from a key input means when the card information includes the cash card information (or account information); A full text generation unit for generating an electronic money transfer request message including the read card information, a remittance bank code, a remittance bank code, a remittance amount, and a remittee account number; A specialized transmission unit for transmitting the generated electronic money transfer request message to an electronic money transfer server through a communication network; A full text receiving unit for receiving a full text of the electronic money transfer result including the electronic money transfer result information from the electronic money transfer server; A specialized processor configured to display or print out the electronic money transfer result information included in the received electronic money transfer result message; And When the card information includes the cash card information (or account information), input the remittance bank code, the remittance bank code, the remittance amount, and the remittee account number for electronic remittance, generate the electronic remittance request message, and send the electronic remittance. And an electronic money transfer transaction protocol for receiving and outputting a full electronic money transfer result after transmission to a server, and a security application module for controlling the electronic money transfer transaction according to the electronic money transfer transaction protocol. Dedicated terminal.