KR20120040693A - Method for setting payment means - Google Patents

Abstract

According to the payment means setting method of the present invention, in the payment means setting method performed in a wireless terminal equipped with or detachable wireless IC chip interoperable with a contactless interface, N (N≥1) recorded in the wireless IC chip When the payment means is confirmed, and a specific payment method to be used for payment is selected from the identified N payment means, the selected specific payment means is set to be used for payment using the contactless interface.

Description

How to set up your payment method {Method for Setting Payment Means}

The present invention provides a payment means setting method performed in a wireless terminal in which a wireless IC chip interoperable with a contactless interface is mounted or detached, wherein N (N≥1) payment means recorded in the wireless IC chip are identified, When a specific payment means to be used for payment is selected from the N payment means identified, the selected payment means is set to be set to be used for payment using the contactless interface.

The wireless banking service provides various services such as balance inquiry, bank transfer, deposit inquiry, exchange rate inquiry, cashier's check, transaction history inquiry, credit card transaction, and cash service anytime, anywhere using a predetermined wireless terminal connected to the wireless communication network. As a financial transaction service that can be received, it is distinguished from telebanking in that it can be used safely with security, and it is included as a distinction from Internet banking in that it can be used on the go.

The wireless banking is a wireless IC chip method that enhances convenience and security by storing financial information of a corresponding financial customer in an IC chip (or IC card) mounted or detached from the wireless terminal, and a predetermined wireless terminal in the wireless terminal. At least a VM (Virtual Machine) method which downloads a banking program and executes the program every time a transaction is used, and a WAP (Wireless Application Protocol) method, which transfers the transaction information as a text between the wireless terminal and the bank system and processes the financial business. Including one or more, the recent trend is that the wireless IC chip method with enhanced convenience and security is mainly used.

However, since the IC chip issuance authority is in a financial institution, the wireless IC chip type wireless banking has a feature of conveniently and safely processing a financial transaction for a first financial institution that issues the IC chip to the wireless terminal. In addition to the first financial institution, there is a problem in that it is unable to process financial transactions of the second to Nth (N = 2, 3, 4..N) financial institutions that issue financial accounts (and / or payment means) to the user. The wireless banking of the VM method and / or the WAP method has a problem in that the wireless banking process is more complicated than the wireless IC chip method.

SUMMARY OF THE INVENTION An object of the present invention is a method of setting a payment means executed in a wireless terminal in which a wireless IC chip interoperable with a contactless interface is mounted or detached, wherein N (N≥1) payment means recorded in the wireless IC chip are confirmed. And selecting a specific payment means to be used for payment from among the identified N payment means, and providing a method of setting a payment means in which the selected specific payment means is used for payment using the contactless interface.

The payment means setting method according to the present invention is a payment means setting method performed in a wireless terminal in which a wireless IC chip interoperable with a contactless interface is mounted or detached, wherein N (N≥1) recorded on the wireless IC chip. Determining a payment means, selecting a specific payment method to be used for payment among the identified N payment means, and setting the selected specific payment means to be used for payment using the contactless interface. It is done.

In the method of setting a payment method according to the present invention, the method further comprises the step of displaying an interface for selecting a specific payment method to be used for payment among the N payment means, wherein the specific payment means is selected through the interface; It features.

In the method of setting a payment method according to the present invention, the method further comprises the step of inputting a usage right code for setting the selected specific payment means to be used for payment using the contactless interface, wherein the specific payment means is the usage right. Characterized in that the code is set to be used for the payment.

In the method of setting a payment means according to the invention, characterized in that it further comprises the step of the payment is processed using the contactless interface through the set specific payment means.

In the payment method setting method according to the present invention, the N payment means, comprising at least one of credit card payment means, debit card payment means, check card payment means, prepaid card payment means, electronic wallet payment means It features.

In the payment method setting method according to the invention, the contactless interface is characterized in that the interface according to the ISO / IEC 14443 standard.

According to the present invention, in the wireless terminal that performs a predetermined financial transaction (and / or payment processing) based on a wireless IC chip issued to a user by a first financial institution, the first financial unit is stored in the wireless IC chip (or memory). A predetermined financial account (and / or corresponding to a financial account (and / or payment means) issued to the user by at least one second to Nth (N = 2, 3, 4..N) financial institution other than the institution. Or after recording the means of payment), and during the financial transaction (and / or payment processing) using the first financial account (and / or payment means) included in the wireless IC chip in the wireless terminal, by the user selection By using the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information recorded in the wireless IC chip (or memory), predetermined second to N (N) = 2, 3, 4..N) a predetermined number corresponding to a financial account (and / or payment method) issued to the user by a financial institution; It has the advantage of performing a financial transaction (and / or payment processing).

According to the present invention, a financial account (and / or payment means) issued to the user by at least one second to Nth (N = 2, 3, 4..N) financial institution other than the first financial institution. In a wireless terminal having a wireless IC chip which records corresponding predetermined financial account (and / or payment means) information, a financial transaction (and / or a payment means) using a first financial account (and / or payment means) included in the wireless IC chip is provided. And / or the second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means) recorded in the wireless IC chip (or memory) by the user selection at the time of payment processing. Based on the information, there is an advantage of providing a WAP or VM wireless banking service by accessing the second to Nth (N = 2, 3, 4..N) financial institution servers (or financial institution linked servers).

1 is a diagram illustrating a preferred wireless terminal function configuration for operating a wireless IC chip according to an embodiment of the present invention.
2 is a diagram illustrating a file structure of a preferred wireless IC chip for storing second to Nth (N = 2, 3, 4..N) financial account (payment means) information according to an embodiment of the present invention. .
3 is a diagram illustrating a preferred structure of an element file included in other financial account (and / or payment means) storage information according to an embodiment of the present invention.
4 is a view showing the functional configuration of a preferred wireless IC chip operating system according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a preferred process of transmitting and recording another financial account (and / or payment means) information from a server to a wireless terminal according to an exemplary embodiment of the present invention.
FIG. 6 is a diagram illustrating a preferred process of initiating a predetermined financial transaction (and / or payment process) based on other financial account (and / or payment means) information in a wireless terminal according to one embodiment of the present invention.
7 is a view showing a preferred process for initiating a predetermined financial transaction (and / or payment processing) on the basis of other financial account (and / or payment means) information in a wireless terminal according to another embodiment of the present invention. .
8 is a diagram illustrating a preferred process of performing a predetermined financial transaction (and / or payment processing) on the basis of other financial account (and / or payment means) information in a wireless terminal according to an embodiment of the present invention.

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 the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, in a preferred embodiment of the present invention carried out below, a program recorded on a predetermined recording medium provided in the wireless terminal, including the wireless terminal function configuration as described above, is executed by the first financial institution to the user. A program for performing a predetermined financial transaction (and / or payment processing) based on a predetermined financial transaction means and / or payment means provided in the IC chip, the VM of the predetermined wireless IC chip for interworking with the wireless IC chip It may preferably comprise a function, and / or may consist of a predetermined program provided on the wireless terminal platform (e.g., the Wireless Internet Platform for Interoperability (WIPI) platform). In addition, the program recorded on the recording medium provided in the wireless terminal may consist of a single program or at least one or more programs that interoperate with each function of the program.

In addition, the preferred embodiment of the present invention to be implemented below is a wireless IC chip management apparatus equipped with the transmission means to efficiently describe the technical components constituting the present invention is the first financial institution server (or financial institution linked server) In the following embodiment, the wireless IC chip management apparatus (or the first financial institution server (or financial institution linked server)) is referred to as a server, and the functional configuration and / or storage provided in the server is provided in the following embodiment. Although all the media are described as being provided in the server, those skilled in the art to which the present invention pertains, the functional configuration and / or storage medium provided in the server according to the intention of those skilled in the art to practice the present invention At least interworking (e.g., transmitting or receiving information or data for server function realization) through a predetermined network and / or communication means It will be clearly understood that the two or more servers may be provided separately.

In addition, in a preferred embodiment of the present invention carried out below, the wireless IC chip mounted on or detached from the wireless terminal is a contact IC standard including ISO / IEC 7816 and / or a non-contact IC standard including ISO / IEC 14443. In order to have a predetermined financial account (and / or payment method) on the IC chip, the financial IC card standard (e.g., the financial IC card standard of the KFTC, or visa) defined by the EMV standard and / or domestic and international standardization related organizations. VSDC (Visa Smart Debit / Credit) of the features, and the content contained in the standard will not be described in detail within the scope of not impairing the technical spirit of the present invention, and also the technical spirit of the present invention Contents that can be easily changed according to the intention of those skilled in the art (for example, memory capacity of a wireless IC chip, or a platform provided in the wireless IC chip (for example, Java Card platform), or the file structure and file ID, ..., etc. stored in the wireless IC chip will be described through a preferred example, but if those skilled in the art to which the present invention pertains Based on the examples, the technical characteristics of the present invention and the method to be implemented in accordance with the field of application of each person skilled in the art can be easily inferred, and the technical idea of the present invention is limited by the contents omitted and / or illustrated in the following embodiments. It never happens.

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

1 is a diagram illustrating a preferred wireless terminal function configuration for operating a wireless IC chip according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a wireless IC chip in a case where a mobile communication terminal connecting to a mobile communication network based on code division multiple access (CDMA) performs a function of the wireless terminal 100 for operating the wireless IC chip. The preferred functional configuration of the mobile communication terminal for operation. Those skilled in the art to which the present invention pertains, with reference to FIG. 1, another wireless terminal 100 (eg, a wireless data communication terminal or a portable internet terminal) for operating a wireless IC chip in addition to the mobile communication terminal. It can be easily inferred from the functional configuration of the. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, the wireless terminal 100 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 125, and internally. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal RF / IF SAW filter to remove the unwanted out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and reference clock source. VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Elements are gradually integrated into the modem chip, and in addition to the core components for the mobile communication service, the modem chip is integrated with various functions for various multimedia services and / or additional services.

Referring to FIG. 1, a wireless terminal 100 for operating a wireless IC chip basically includes a control unit 105, a screen output unit 115, a sound processing unit 110, a key input unit 120, a wireless processing unit 130, and the like. An IC chip 160 and an IC chip having a near field communication unit 135, a memory unit 165, and a battery 125 for power supply, mounted or detached from the wireless terminal 100 according to an embodiment of the present disclosure. IC chip reader unit 155 for reading / writing predetermined information or data to 160, a camera mounted or detached from the wireless terminal 100, and a camera unit 145 for reading predetermined image information from the camera. It further comprises a functional configuration including).

The control unit 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, a recording medium of the wireless terminal 100 for wireless IC chip operation). The predetermined program routine to be recorded is illustrated as being provided in the control unit 105 for convenience.) As a result, various functions to be implemented in the wireless terminal 100 are realized by the controller 105, and in order to control and manage the overall operation of the wireless terminal 100 to realize the above functions. It features. In particular, when power is input to the wireless terminal 100 to perform a function of the control unit 105 for controlling and managing the overall operation of the wireless terminal 100, an operating system routine and a system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 115 is a liquid crystal display (LCD) driver for outputting a screen, and a key input unit 120 by the controller 105 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the < RTI ID = 0.0 >), various information, signals, and / or content (e. G., Text content, image content, and / or < / RTI > Or multimedia content) to a predetermined screen output device (for example, an LCD panel), and the screen output unit 115 is connected to a screen output device (LCD) to operate a wireless IC chip. It is preferable to perform the function of the information output unit for outputting predetermined information required by the.

The sound processor 110 encodes a predetermined sound signal input from a microphone provided in the wireless terminal 100 and provides the sound signal to the controller 105 or extracted and / or generated by the controller 105. A sound signal is decoded and output through a speaker. To this end, the sound processor 110 includes a predetermined vocoder and a codec. Performs a function of a sound input unit provided in the wireless terminal 100 through the sound processor 110 and a microphone, or outputs a sound provided in the wireless terminal 100 through the sound processor 110 and a speaker. Perform the function of the means.

The key input unit 120 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, read from the table that stores the information or signal matching the key data) and delivers the information to the control unit 105, the key It performs the function of the key input means provided in the wireless terminal 100 through the input unit 120 and the keypad.

The wireless processor 130 may register a location and / or a slot mode and / or a power control in conjunction with the controller 105 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 130 processes the information or signal transmitted from the wireless terminal 100 to the base station to provide a mobile communication service to the CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 100 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 130 and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a server (or device) provided on the mobile communication network and / or a predetermined communication network that interworks with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 100 of FIG. 1 is a portable Internet terminal, the wireless processing unit 130 connects to a portable Internet network to provide a predetermined portable Internet service (eg, wireless And a function configuration for providing data communication or voice over IP (VoIP) based voice call).

The short range communication unit 135 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 100 connects a wireless section connecting a predetermined short range device 140 and a predetermined short range wireless communication session through the short range communication unit 135, and the short range device It is preferable to connect a predetermined communication channel with a server (or device) provided on a predetermined communication network through a wired section including a predetermined network to which the 140 is connected.

The camera unit 145 reads raster-based CCD image information from a camera 150 including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and controls the image information in a control unit ( 105).

According to an embodiment of the present invention, the wireless terminal 100 further includes at least one or more functional components for supporting the intention of the terminal manufacturer and / or additional services provided by a mobile communication company, in addition to the camera unit 145. It may be possible, but this description is omitted for convenience in this figure. However, the technical spirit of the present invention is not limited by the omitted wireless terminal 100 functional configuration.

The memory unit 165 is applied when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the wireless terminal 100 is performed. (A) general term for memory devices that store information and / or data; read-only memory (ROM) that corresponds to read-only memory, flash memory (FM) that can read / write, and electrically erasable and programmable Read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 100 and information or data therefor. The EEPROM is stored in the terminal registration related parameters (e.g., wireless terminal 100 identification data and / or wireless terminal 100 user identification data) and a telephone number (e.g., an address book) or the wireless terminal 100. At least one information and / or data, etc., which are extracted and / or generated while performing the provided application are stored.

According to an exemplary embodiment of the present invention, the memory unit 165 may include a financial account (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions, respectively. Predetermined user authentication information and predetermined login information respectively corresponding to the financial accounts (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions ( Or password information) and a financial institution (or financial institution linked server) corresponding to each of the financial accounts (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions. ) Access information and account number information (and / or payment means) corresponding respectively to the financial accounts (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions. Preferably, the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information including at least one or more card number information is stored. The law requires a high level of security among the financial account (and / or payment means) information or part of the financial account (and / or payment means) information (eg, the financial account (and / or payment means) information). Information data) may be stored in the memory unit 160-3 provided in the wireless IC chip 160.

In addition, the memory unit 165 may further store predetermined user interface information corresponding to the financial institution selection menu and / or the financial service selection menu, and / or the connection unit may include the second to Nth ( N = 2, 3, 4..N) predetermined second to Nth (N = 2, 3, 4..N) financial institution server for accessing the financial institution server (or financial institution linked server) 450 (Or financial institution linked server) 450 It is preferable to further store the connection information (not shown).

The IC chip reader unit 155 is an IC chip related functional configuration provided in the wireless terminal 100 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (eg, the wireless terminal 100). IC chip agent program provided in the) and the information and / or data exchange between the IC chip 160 mounted on or detached from the wireless terminal 100 is characterized in that it provides. For example, the IC chip reader unit 155 provides information and / or data exchange between the IC chip agent program and the IC chip 160 through an APDU (Application Protocol Data Unit).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 160 mounted on or detached from the customer wireless terminal may include a power supply (VCC), a reset signal (RST), and a clock signal ( I / O interface to communicate with IC chip reader 155 (e.g. command or data exchange) via contact points such as CLK, ground (GND), programming power supply (VPP), and / or input / output (I / O), etc. A processor unit 160-2 comprising a 160-1, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor, and the like. And a memory unit 160-3 including at least one memory device including read only memory, random access memory, electrically erasable and programmable read only memory, and flash memory. In particular, at least one of the memory elements (e.g., ROM) A chip operating system (COS) for managing and operating an IC card internal resource is stored. The chip operating system (COS) stores a predetermined value from the IC chip reader unit 155 through a power supply (VCC) contact point of the input / output interface 160-1. When power is supplied, the COS stored in the memory unit 160-3 is loaded into a predetermined execution memory to control the overall operation of the IC chip 160, and the clock frequency of the contact point of the clock signal CLK (eg, 3.57MHz or 4.9MHz) to control the information or data exchange between the IC chip 160 and the IC chip reader unit 155 through the APDU.

According to another exemplary embodiment of the present invention, the memory unit 160-3 includes a financial account (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions. Predetermined user authentication information corresponding to the < RTI ID = 0.0 >) and financial accounts (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions. Financial institutions (or finances) corresponding to login information (or password information) and financial accounts (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions, respectively. Institutional linked server) access information and account number information (and / or respectively) corresponding to the financial accounts (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions. Or storing the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information including at least one or more payment means card number information. It is possible to be stored only financial account (and / or the payment method), some (for example, information data of the financial account (and / or the payment method) information requiring a high level of security) of information.

According to the present invention, the IC chip storage information for operating the wireless IC chip is stored in the memory unit 160-3 of the IC chip 160, the IC chip storage information is provided in the customer wireless terminal A storage unit 160-5 which stores a data set corresponding to predetermined information or data which is read and / or used by a processor, and which the arithmetic function and the COS of the processor unit 160-2 provide. A program routine (for example, JAVA Applet in the case of Javacard), which is driven or executed by an instruction set and operated by a processor provided in the customer wireless terminal, interacts with the instruction set of the COS. There is a processing unit 160-4 corresponding to an application including a functioning instruction call code and execution code processed by the processor 160-2. In particular, the processing unit 160-4 At least one or more instructions stored in the storage unit 160-5 based on the read command and reading a command provided from a processor included in the customer wireless terminal through the input / output interface 160-1 through an APDU. Read or record information or data, and provide the result or read information or data to the processor provided in the customer wireless terminal via the input and output interface (160-1) through the APDU.

According to a preferred embodiment of the present invention, the memory unit 160-3 of the IC chip 160 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 160-3 It consists of a protected area where secret information such as a chip serial number (CSN) is stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. IC chip storage information for the invention is preferably stored in an area excluding the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit 160-3 includes one master file (MF) corresponding to a root file, and the master At least one dedicated file (DF) corresponding to each ICC stored information, and at least one dedicated file (DF) corresponding to each ICC stored information, and It includes a file structure consisting of an element file (EF) that is disposed and contains substantial information and / or data for the smart card service. The IC chip storage information for the present invention also includes the file structure as described above. Is done.

According to a preferred embodiment of the present invention, the IC chip storage information preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or a credit card ( Credit Card) Payment method, Debit Card payment method, Check Card (Check Card) payment means, Prepaid Card (Prepaid Card) payment means It comprises preferably at least one or more Do. A preferred embodiment of the IC chip storage information will be described with reference to the preferred example in FIG.

Referring to FIG. 1, the wireless terminal 100 uses the wireless IC chip 160 entered through the key input unit 120 in association with the wireless IC chip 160 issued to the user by the first financial institution. The authentication unit 194 which checks a code and processes the user authentication, and the financial institution selection information selected by the user among the second to Nth (N = 2, 3, 4..N) financial institutions. And a confirmation unit 190 for confirming the financial service selection information to be performed using the selected financial institution, and the user connected to the identified financial institution (or a financial institution linked server) through a wireless communication network. Extracted from financial account (and / or payment means) information entered for the selected financial service and / or issued by the user's selected financial institution previously stored in the wireless IC chip 160 (or the memory unit 165). At least one Provided with a beam transmitting unit 182 for transmitting data characterized by comprising.

According to the exemplary embodiment of the present invention, the wireless terminal 100 is interoperable with the screen output unit 115 and / or the key input unit 120 and the wireless IC chip 160 issued to the user by the first financial institution. Second to Nth (N = 2, 3, 4..N) financial account issued to the user by the second to N (N = 2, 3, 4..N) financial institution (and And / or a user interface unit 186 which provides a user interface for a predetermined financial transaction (and / or payment processing) using a payment means).

According to the exemplary embodiment of the present invention, the wireless terminal 100 includes the second to Nth (N = 2, 3, 4..N) previously stored in the wireless IC chip 160 (or the memory unit 165). ) User authentication information, user login information (or password information), account number information (and / or It is preferable to further include an extraction unit 198 for extracting predetermined information including at least one payment means card number information from the wireless IC chip 160 (or the memory unit 165).

According to the exemplary embodiment of the present invention, the wireless terminal 100 includes the second to Nth (N = 2, 3, 4..N) previously stored in the wireless IC chip 160 (or the memory unit 165). Using the financial account (and / or payment means) information issued by the financial institution, the wireless IC chip 160 (or the predetermined connection information corresponding to the confirmed financial institution server (or financial institution linked server)) After extracting from the memory unit 165, it is used to connect to the second to N (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 through the wireless communication network It is preferable to further provide the connection part 178 to make.

According to the embodiment of the present invention, the wireless terminal 100 is connected to the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution connection) connected by the connection unit 178. It is preferable to further include a receiving unit 174 for receiving predetermined banking element data for providing a wireless banking service from the server (450).

According to the embodiment of the present invention, the wireless terminal 100 is connected to the first financial institution server (or financial institution linked server) 400, the first financial institution server (or financial institution linked server) 400 A predetermined financial account (and / or corresponding to a financial account (and / or payment means) issued to the user by at least one second to Nth (N = 2, 3, 4..N) financial institution Receiving payment means) information and receiving the received second to Nth (N = 2, 3, 4..N) predetermined financial account (and / or payment means) information of the wireless IC chip 160 (or It is preferable to further include a recording unit 170 for recording in the memory unit 165.

According to the method of the present invention, the first financial institution server (or financial institution linked server) 400 stores the wireless IC chip 160 information provided from the first financial institution to the user wireless terminal 100, It is preferable to perform the role of the management server to manage, the second to N (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 is the second to the second N (N = 2, 3, 4..N) It is preferable that the financial institution performs the role of a wireless banking server that provides a wireless banking service of the WAP method and / or VM method. Of course, the first financial institution server (or financial institution linked server) 400 may further perform a role of a predetermined wireless banking server provided in the first financial institution according to the embodiment.

The user interface unit 186 interoperates with the screen output unit 115 to use the financial account (and / or payment means) issued by the first financial institution to the user. = 2, 3, 4..N) Output a predetermined financial institution selection menu to select whether to use a financial account (and / or payment method) issued by a financial institution, and / or to select the financial institution selected by the user. And a user interface for outputting a financial service selection menu that can be provided to the user, and / or a wireless IC chip issued to the user by the first financial institution from the user in conjunction with the key input unit 120. (160) receive a permission code and / or receive predetermined financial institution selection information corresponding to the financial institution selection menu, and / or a predetermined corresponding to the financial service selection menu Characterized in that it provides a user interface for receiving the financial service selection information.

According to one embodiment of the present invention, in order to provide the predetermined user interface as described above, the user interface unit 186 includes predetermined user interface information corresponding to a financial institution selection menu and / or a financial service selection menu. The memory unit 165 (eg, as program data information included in a program) or in the form of a predetermined data file containing predetermined user interface information corresponding to the financial institution selection menu and / or the financial service selection menu. It is preferable to store in.

According to another exemplary embodiment of the present invention, the user interface unit 186 is connected to the extraction unit 198 at least one or more second to Nth (N = 2, N) recorded in the wireless IC chip 160. 3, 4..N) extract at least one or more second to Nth (N = 2, 3, 4..N) financial institution list information from the financial account (and / or payment means) information, and extract the at least Provide the financial institution selection menu using one or more second to Nth (N = 2, 3, 4..N) financial institution list information, and / or at least one recorded in the wireless IC chip 160 From the above second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information is extracted financial service list information that can be provided through the selected financial institution, and the extracted financial services It is possible to provide the financial service selection menu using the list information.

According to another exemplary embodiment of the present invention, information related to the selection of a financial institution among the user interface information may be included as program data information in the user interface, or may be stored in the wireless IC chip 160 (or the memory unit 165). After storing, after the predetermined second to Nth (N = 2, 3, 4..N) financial institutions are selected through the user interface unit 186, the connection unit 178 and / or the receiving unit 174 In conjunction with the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 to receive a predetermined financial service-related interface to the financial service selection menu It is possible to provide.

According to an embodiment of the present invention, when a predetermined financial transaction (and / or payment processing) using the wireless IC chip 160 issued by the first financial institution to the user is initiated in the wireless terminal 100, The user interface unit 186 interoperates with the key input unit 120 to use a wireless IC chip 160 authorization code (eg, a personal identification number (PIN)) issued from the user to the user by the first financial institution. It is preferable to receive the input to provide to the authentication unit 194, the authentication unit 194 is linked to the wireless IC chip 160, the user has the authority to use the wireless IC chip 160 By authenticating the validity of the wireless IC chip 160, thereby ensuring confidentiality, authentication, integrity, and nonrepudiation of the wireless IC chip 160.

In addition, the user interface unit 186 may be configured before the validity of the wireless IC chip 160 is authenticated (eg, the user authenticates the authority to use the wireless IC chip 160) or the wireless IC chip. After the validity of the 160 is authenticated, the user interface 186 cooperates with the screen output unit 115 to provide the user with a financial account (and / or payment means) issued by the first financial institution. Output a predetermined financial institution selection menu to select whether to use a financial account (and / or a payment method) issued by the second to Nth (N = 2, 3, 4..N) financial institutions; In connection with the key input unit 120, the predetermined financial institution selection information corresponding to the financial institution selection menu is received and provided to the verification unit 190, and the verification unit 190 is the financial institution By reading and confirming the selection information, the user A financial transaction (and / or payment processing) is performed by the user among the first financial institution that issues the wireless IC chip 160 and the second to Nth (N = 2, 3, 4..N) financial institutions. To identify the financial institution selected.

In addition, the user interface unit 186 inputs the financial institution selection menu output and predetermined financial institution selection information corresponding to the financial institution selection menu so that the financial institution to which the user makes a financial transaction (and / or payment processing) is input. After confirmation, the financial service selection menu that can be provided through the financial institution selected by the user in conjunction with the screen output unit 115 is output to the user, and in conjunction with the key input unit 120 to the financial service selection menu. It is preferable that the predetermined financial service selection information is received and provided to the identification unit 190. The identification unit 190 reads and confirms the financial service selection information so that the user selects the selected financial institution. It is characterized by identifying a predetermined financial service to be used for financial transactions (and / or payment processing).

According to the exemplary embodiment of the present invention, the user interface unit 186 is issued by the first financial institution to the user in a predetermined program provided in the wireless terminal 100 in cooperation with the screen output unit 115. You can choose whether to use a financial account (and / or payment method) or a financial account (and / or payment method) issued by the second to Nth (N = 2, 3, 4..N) financial institutions. Perform a function of a screen output means for outputting a predetermined financial institution selection menu, and / or when the financial institution selection information is input from the user through a key input means provided in the wireless terminal 100, the wireless In a predetermined program provided in the terminal 100 performs a function of the screen output means for outputting a financial service selection menu that can be provided through the financial institution selected by the user.

In addition, the user interface unit 186 is linked to the key input unit 120, using the wireless IC chip 160 issued to the user from the first financial institution, the financial account issued by the first financial institution ( And / or in the financial transaction using a financial account (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions, not the payment means. Receiving an input of a wireless IC chip 160 permission code issued to a user by an institution, and / or predetermined financial institution selection information corresponding to the financial institution selection menu, and / or predetermined financial service selection menu corresponding to the financial service selection menu. It performs a function of a key input means for receiving financial service selection information.

After the predetermined financial institution and the financial service are selected for the financial transaction (and / or payment processing) by the user through the user interface 186 and the verification unit 190 as described above, 1 If the financial institution, the wireless terminal 100 performs a wireless IC chip 160 banking procedure based on the wireless IC chip 160. On the other hand, if the selected financial institution is a second to Nth (N = 2, 3, 4..N) financial institution, the wireless terminal 100 is the memory unit 165 (and / or wireless IC chip 160) Memory based automated VM and / or WAP wireless banking procedures.

As a result of confirming the confirmation unit 190, if the selected financial transaction (and / or payment processing) corresponds to the second to N (N = 2, 3, 4..N) financial institutions, the connection unit 178 A financial account (and / or payment means) issued by the second to Nth (N = 2, 3, 4..N) financial institutions previously stored in the wireless IC chip 160 (or the memory unit 165). ) Predetermined information, for example, the second to Nth (N = 2, 3, 4..N) financial institution server corresponding to the identified financial institution server (or financial institution linked server). The wireless IC chip 160 (or the network address information corresponding to the selected financial service and the wireless banking method identification information of the financial institution server (or the financial institution linked server)) in (or a financial institution linked server) 450 may be used. Extracted from the memory unit 165, and the financial institution server (or financial institution) through a predetermined wireless communication network using the extracted access information. Be connected to the system server).

According to the method of the present invention, when the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 provides a wireless banking service of the WAP method In addition, the connection unit 178 emulates the WAP-based browser function provided in the wireless terminal 100 to the second to Nth (N = 2, 3, 4..N) financial institution servers (or finances). It is preferable to access the institution linked server (450), and the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 is VM-type wireless When providing a banking service, the connection unit 178 is the second to N (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 for a predetermined wireless banking A predetermined banking program (e.g., 2nd to Nth (N = 2, 3, 4..N) that can be connected to a financial institution mounted on the wireless terminal 100 for wireless banking service) It is preferable to access the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 by emulating a positive banking program). To Nth (N = 2, 3, 4.N) financial institution server (or financial institution linked server) 450 sends the WAP to the receiving unit 174 through the wireless communication network in response to the connection. Providing predetermined banking element data corresponding to the selected predetermined financial transaction (and / or payment processing) for wireless banking of the scheme or VM scheme.

According to an embodiment of the present invention, if the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 provides a wireless banking service of the WAP method Banking element data provided to the receiving unit 174 is defined to be transmitted from the wireless terminal 100 to the financial institution server (or financial institution linked server) for the selected financial service (and / or payment). Process) It is preferable to include a predetermined document file (eg, a Wireless Markup Language (WML) based document file) including a FORM for inputting related information, or the second to Nth (N = 2, 3). , 4..N) If the financial institution server (or financial institution linked server) 450 provides the VM-type wireless banking service, the banking element data provided to the receiving unit 174 may include a predetermined document file as described above. / Or the second to Nth ( N = 2, 3, 4..N) The financial institution server (or financial institution linked server) 450 preferably comprises a data block (e.g., a communication data structure) defined to transmit and receive with a predetermined banking program. .

Predetermined banking for providing the selected financial service from the selected second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 in a WAP or VM manner. When the element data is provided, the receiver 174 provides the received banking element data to the transmitter 182, and the transmitter 182 provides predetermined information data corresponding to the received banking element data. And input and / or extract the data to the second to Nth (N = 2, 3, 4..N) financial institution servers (or financial institution linked servers) 450.

According to an embodiment of the present invention, when the received banking element data requests at least one or more user authentication information for processing a financial service selected by the user from the financial institution server (or financial institution linked server), the transmission is performed. The unit 182 receives at least one or more user authentication information from the user in cooperation with the user interface unit 186, and / or the wireless IC chip 160 (or memory) in cooperation with the extraction unit 198. After extracting predetermined user authentication information from the financial account (and / or payment means) information issued by the second to N (N = 2, 3, 4..N) financial institutions previously stored in the unit (165) Preferably, the input and / or extracted predetermined information data is transmitted to the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450. .

For example, when the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 requests a predetermined ID / PW for user authentication, the transmission is performed. The unit 182 outputs the received banking element data to the screen in cooperation with the user interface unit 186, and inputs the requested ID / PW from the user, or the wireless IC chip 160 ( Or a predetermined ID / PW corresponding to the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 in the memory unit 165. To the Nth (N = 2, 3, 4..N) financial account (and / or payment means) information stored in advance, the transmission unit 182 is linked to the extraction unit 198 and the ID / PW and extracts the input or extracted ID / PW from the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 and the wireless terminal. Between 100 Depending on the communication protocol for wireless banking and transmits it to the second through the N (N = 2, 3, 4..N) financial institution server (or financial institution associated server) 450.

According to an embodiment of the present invention, the received banking element data is selected from the second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means). Or requesting predetermined information data for payment processing), the transmission unit 182, the transmission unit 182 is linked with the user interface unit 186 at least one or more financial transactions (and / /) from the user Or second to Nth data (N = N) previously stored in the wireless IC chip 160 (or the memory unit 165) in response to receiving information data for payment processing) and / or in conjunction with the extraction unit 198. 2, 3, 4..N) After extracting the information data for a predetermined financial transaction (and / or payment processing) from the financial account (and / or payment means) information issued by the financial institution, the input and / or extracted The predetermined information data is transferred to the second to Nth (N = 2, 3, 4..N) financial institution servers (or financial institution connections). Is preferably sent to the server 450).

For example, the selected financial transaction (and / or payment processing) is the financial transaction (and / or payment processing) of the second to N (N = 2, 3, 4..N) financial account (and / or payment means) In the case of inquiring details, the transmission unit 182 outputs the received banking element data on the screen in cooperation with the user interface unit 186, and the financial transaction (and / or payment processing) details from the user. Enter a financial account number (and / or credit card number) and a password for financial transactions (and / or payment processing) for the inquiry, or to the wireless IC chip 160 (or memory unit 165) Predetermined information data for querying the details of the selected financial transaction (and / or payment processing) is included in the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information. When stored, the transmission unit 182 is linked to the extraction unit 198 to the second to Nth (N = 2, 3, 4..N) financial account ( And / or extract the financial account number (and / or credit card number) and the password for financial transaction (and / or payment processing) from the information on the payment means, and enter or extract the financial account number (and / or credit card number). ) And a password for financial transactions (and / or payment processing) the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 and the wireless terminal ( 100 to the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 according to the wireless banking communication protocol defined between.

Further, for example, the selected financial transaction (and / or payment processing) is a predetermined X-th financial account (for example, the second to the third) in the second to N (N = 2, 3, 4..N) financial account To one of the N (N = 2, 3, 4..N) financial accounts, or second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 In the case of remitting a predetermined amount of money to another financial account other than the opened user or another financial account other than the user opened to the other row, the transmission unit 182 is linked with the user interface unit 186. After outputting the received banking element data on the screen, in conjunction with the extraction unit 198 from the second to N (N = 2, 3, 4..N) financial account (and / or payment means) information Extract the financial account number and the password for financial transaction (and / or payment processing) and extract the financial account number and financial transaction (and / or payment processing) from the banking element data. Insert the password into the position defined for inputting the password, input the X-th financial account number and the remittance amount for the remittance service in association with the user interface 186, and extract and / or input the information. The data is transmitted to the communication protocol for wireless banking defined between the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 and the wireless terminal 100. Accordingly, the data is transmitted to the second to Nth (N = 2, 3, 4..N) financial institution servers (or financial institution linked servers) 450.

According to an embodiment of the present invention, when the received banking element data is the financial service processing result details corresponding to the end of the financial service processing selected by the user (for example, the second to Nth (N = 2, 3). , 4..N) when a predetermined financial service processing result has been received from the financial institution server (or the financial institution linked server) 450), the receiving unit 174 is linked with the user interface unit 186. Display the financial service processing result received from the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 on the wireless terminal 100 screen. Or / or the finance received from the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 in conjunction with the memory unit 165. The service processing result is recorded on the memory unit 165 and / or wireless IC chip 160. It is preferable to store in the service processing result history storage area, the transmission unit 182 is the second to N (N = 2, 3, 4..N) financial institution server (or financial institution linked server) ( The financial service processing result received from the 450 is preferably transmitted to the first financial institution server (or financial institution linked server).

Those skilled in the art to which the present invention pertains, through the functional configuration provided in the wireless terminal 100 on the basis of the above-described exemplary embodiment through the second to N (N = 2, 3, 4. .N) It may be easy to infer a method for providing at least one financial transaction (and / or payment processing) service according to the wireless banking protocol defined in the financial institution server (or financial institution linked server) 450.

FIG. 2 is a diagram illustrating a file structure of a preferred wireless IC chip for storing second to Nth (N = 2, 3, 4..N) financial account (payment means) information according to an embodiment of the present invention. .

In more detail, Figure 2 shows credit card storage information (0200), debit card storage information (0300), financial common network storage information (F100), electronic money storage information (F200), signing certificate (F300), and key distribution At least a second to Nth (N = 2, 3, 4..N) financial institution issued to the user using the wireless IC chip 160 in the financial IC chip file structure in which the certificate F400 is stored. A predetermined function for performing a predetermined financial transaction (and / or payment processing) using one or more second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means) Second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) storage information (hereinafter referred to as "other financial account (and / or payment means) storage information 200" for convenience) 2) is stored in the wireless IC chip 160 so that the other financial account (and / or payment means) storage information 200 has a predetermined file ID. Is for the case. However, the other financial account (and / or payment means) storage information 200 is not limited to being recorded in the wireless IC chip 160 to have a predetermined file ID as shown in FIG. Or at least one or more second to second included in the other financial account (and / or payment means) storage information 200 of FIG. 2 according to the technical characteristics of the wireless IC chip 160 issued to the user by the skilled person. N (N = 2, 3, 4.N) financial account (and / or payment means) information is stored in the credit card storage information (0200) and / or debit card storage information (0300) and / or financial common network storage It may be recorded as a predetermined element file added to the information F100 and / or the electronic money storage information F200.

That is, if the person skilled in the art to which the present invention belongs, the element file of the other financial account (payment means) storage information shown in Figure 2 is the credit card storage information (0200) and according to the intention of those skilled in the art It may be clearly understood that the file may be implemented as an element file included in the debit card storage information (0300) and / or the financial common network storage information (F100) and / or the electronic money storage information (F200). The structure of the other financial account (payment means) storage information shown in FIG. 2 is for efficiently explaining the file structure of the other financial account (payment means) storage information to a person having ordinary knowledge in the technical field to which the present invention belongs. Accordingly, the technical spirit of the present invention is not limited, and it is apparent that the present invention can be easily changed and used by those skilled in the art.

The functions and features of the conventional components of the financial IC chip file structure shown in FIG. 2 will be understood by those of ordinary skill in the art to which the present invention pertains.

Referring to FIG. 2 according to a preferred embodiment of the present invention, the other financial account (payment means) stored information is disposed under the master file, and the other financial account (payment means) stored information is unique identification information or characteristic thereof. A third-party financial account (and / or payment means) dedicated file (F500) containing information, an element file disposed under the dedicated file and storing file control information (FCI), and a second financial account ( And / or an element file (F502) for storing information on payment means), an element file (F503) for storing information on third financial account (and / or payment means), and an N-th financial account (and / or payment means). It is preferable to include an element file (F50x, x> 3) for storing information. A preferred structure for each element file storing the second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means) will be described with reference to FIG.

The element file for storing the file control information is an element file for storing a data byte corresponding to a response to a SELECT FILE command transmitted by the terminal program included in the wireless terminal 100 to the IC card. An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of -4 and / or defined in TABLE 2 of ISO / IEC 7816-4. BER-TLV data objects include FMD templates carrying File Management Data (FMD) and / or FCI templates carrying FCP and FMD, which are retrieved according to the selection of the SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, a method of selecting the other financial account (payment means) stored information from among a plurality of stored information provided in the IC card includes: a selection method by a file identifier, a selection method by a path, and There is a method of selecting by EF identifier, and the method of selecting by file identifier is a method of using a 2-byte identifier assigned to each file. In FIG. 2, an identifier "F500 assigned to a dedicated file of other financial account (payment means) storage information is shown. Is to select the other financial account (payment means) stored information, and the selection method by the path is to select the other financial account (payment means) stored information using the "3FFF" identifier, and is selected by the EF identifier. The method is to select other financial account (payment means) storage information through a 5-bit identifier between "0" and "30" assigned to each element file. In general, when a selection method by a file identifier and a selection method by a path are used, the other financial account (payment means) storage information may be accessed through a SELECT FILE command. As another embodiment of the present invention, the file identifier may be accessed. If the selection method is not used, a dedicated file of other financial account (payment method) storage information may be omitted.

3 is a diagram illustrating a preferred structure of an element file included in other financial account (and / or payment means) storage information according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates at least one second to Nth issue issued to the user by a second to Nth (N = 2, 3, 4..N) financial institution using the wireless IC chip 160. (N = 2, 3, 4..N) provided in the wireless IC chip 160 for a function of performing a predetermined financial transaction (and / or payment processing) using a financial account (and / or payment means) As shown in the preferred data structure for the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information element file, it is common knowledge in the art If the person having the present invention, various embodiments of the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information with reference to Figure 3 (for example, the second to N (N = 2, 3, 4..N) An embodiment in which financial account (and / or payment means) information is stored in the memory unit 165, and / or the second to Nth (N = 2). , 3, 4..N) Financial accounts (and / or payment methods) Some of the information is stored in the memory unit 165, the remaining part requiring a high level of security can be easily inferred from the embodiment stored in the wireless IC chip 160, etc. The technical configuration is not limited to the case of FIG.

In accordance with one preferred embodiment of the present invention, Figure 3 shows the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information element file is one financial account number and The second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information, including the payment means information, consisting essentially of 80 bytes, the corresponding wireless IC chip If there is a free storage area according to the file structure characteristic, the corresponding area performs the RFU function. Those of ordinary skill in the art to which the present invention pertains may include second to Nth (N = 2, 3, 4.) including at least one financial account number and payment means information with reference to FIG. N) Preferred structure of financial account (and / or payment instrument) information (e.g., 2nd to Nth (N = 2, 3, 4..N) financial accounts including a main account number and at least one sub account number; (And / or payment means) information) can be easily inferred, and description thereof will be omitted.

Referring to FIG. 3, the second through Nth (N = 2, 3, 4..N) financial account (and / or payment means) information includes a 12-byte financial institution name and a 1-byte financial institution identification code. And user ID information including letters / numbers within 12 bytes, user passwords including letters / numbers / symbols within 12 bytes, financial account numbers of 12 bytes, and financial transaction passwords within 12 bytes. And a 16-byte payment means information, a 2-byte financial service code, and a 1-byte option flag, wherein the second through Nth (N = 2, 3, 4..N) financial accounts (and And / or add a predetermined financial transaction random number in accordance with the financial transaction (and / or payment processing) procedure of the second to Nth (N = 2, 3, 4..N) financial institutions corresponding to the payment means information. It is possible to include.

The 12-byte financial institution name is a second to Nth (N = 2, N = 2, N, 2, 3, 4..N) issued to the user financial account (and / or payment means) 3, 4..N) Contains the financial institution name as a string, in the form "XX Bank".

The one-byte financial institution identification code is provided to the user in at least one second to Nth (N = 2, 3, 4..N) financial account (and / or payment) in the program provided in the wireless terminal 100. A unique identification code for identifying the second to Nth (N = 2, 3, 4..N) financial institutions that issued the means), and is composed of one byte of hexacode that does not overlap with each financial institution.

The user ID information including letters / numbers within 12 bytes and the user passwords including letters / numbers / symbols within 12 bytes are the second to Nth in a program provided in the wireless terminal 100. (N = 2, 3, 4..N) A financial institution server (or a financial institution linked server) 450 is connected to the second to Nth (N = 2, 3, 4..N) financial accounts (and And / or during the predetermined financial transaction (and / or payment processing) using the payment means, the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 ) Includes predetermined user authentication information for authenticating the user, wherein the user ID information and the user password are the second to Nth (N = 2, 3, 4..N) financial institution servers (or User authentication information other than the ID / PW according to the financial transaction (and / or payment processing) characteristics provided in the financial institution linked server (450) For example, the public certificate information provided in the wireless IC chip 160) may be used or inputted through a key input function provided in the wireless terminal 100 without being stored in the wireless IC chip 160. .

The 12-byte financial account number includes at least one second to Nth (N = 2, 3, 4) issued to the user by the second to Nth (N = 2, 3, 4..N) financial institutions. ..N) As an account number corresponding to a financial account, the financial account number format is preferably in accordance with the second to Nth (N = 2, 3, 4..N) financial institutions.

The financial transaction password within 12 bytes is stored in the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 in the program provided in the wireless terminal 100. ) Through the second to N (N = 2, 3, 4..N) financial account in the process of the predetermined second to N (N = 2, 3, 4..N) financial transaction Corresponds to the password to secure the validity of the financial transaction. For example, the financial transaction password may be set in the second to Nth (N = 2, 3, 4..N) financial transactions in the second to Nth (N = 2, 3, 4..N) financial accounts. When the bank transfer (or transfer) a predetermined amount of money to the X-th financial account, an account transfer (or transfer) password for executing the transfer (or transfer) is included.

The 16-byte payment means information includes at least one second to Nth (N = 2, 3, 4) issued to the user by the second to Nth (N = 2, 3, 4..N) financial institutions. ..N) information corresponding to a payment means, for example, the payment means information comprises a predetermined credit card number associated with the second to Nth (N = 2, 3, 4..N) financial accounts. .

The two-byte financial service code defines a financial service executable in bits on the basis of the second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means). In the case of a 2-byte code, up to 16 financial service codes can be defined. If 16 or more financial service codes are defined, the financial service code byte number may be extended in correspondence with the code number.

The one-byte option flag is a flag for identifying whether there is additional information data in addition to the basic second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information. If the option flag is '0X00', there is no option information data, and the option flag other than '0X00' includes at least one or more option information data (for example, at least one sub account number or a random number of a financial transaction). will be.

In FIG. 3, the financial transaction random number is the second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) in the program provided in the wireless terminal 100. At a predetermined financial transaction (and / or payment processing) through a predetermined second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) When the second to Nth (N = 2, 3, 4..N) financial institutions request a predetermined random number printed on the random number card issued to the user, the random number is automatically processed. The financial transaction random number of 70 bytes as shown in FIG. 3 can represent up to 35 random numbers through a 2-byte decimal number.

4 is a view showing the functional configuration of a preferred wireless IC chip operating system according to an embodiment of the present invention.

4 shows a first financial institution server (or financial institution) that issues a wireless IC chip 160 mounted or detached from the wireless terminal 100 in the wireless terminal 100 as shown in FIG. In the associated server 400, the wireless IC chip 160 may provide second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information to the wireless terminal 100. (Or the memory unit 165) and based on the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information in the wireless terminal 100. Connect to at least one or more second to Nth (N = 2, 3, 4..N) financial institution servers (or financial institution linked servers) 450 to designate predetermined second to Nth (N = 2, 3). , 4..N) A preferred wireless IC chip operating system for performing a financial transaction (and / or payment processing), if one of ordinary skill in the art to which the present invention belongs, the wireless shown in Figure 4 IC chip Various modifications to the operating system can be easily inferred embodiments.

Referring to FIG. 4, a first financial institution server (or a financial institution linked server) 400 is a wireless IC chip 160 in which a predetermined first financial account (and / or payment means) is recorded in the wireless terminal 100. User information for the issuing user) and at least one second to Nth (N = 2, 3, 4..N) financial institution for issuing at least one financial account (and / or payment means) to the user. A storage medium 405 for storing the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information and at least one or more through the storage medium 405. A second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) for the user at a second to Nth (N = 2, 3, 4..N) financial institution. It is characterized in that comprises a management unit 410 for managing issuing.

According to an embodiment of the present invention, the first financial institution server (or financial institution linked server) 400 may communicate with the management unit 410 and the user through a predetermined network 440 and / or communication means 440. At least one second to Nth (N = 2, 3, 4..N) finance that has issued a second to Nth (N = 2, 3, 4..N) financial account (and / or payment method) Interface unit 415 associated with an institution server (or financial institution linked server) 450 and / or a predetermined financial management server 445 that stores / manages financial account (and / or payment means) management information for the user. It is preferable to further comprise a).

According to the method of the present invention, the first financial institution server (or financial institution linked server) 400 is second to Nth stored in the storage medium 405 (N = 2, 3, 4..N) Financial account (and / or payment means) information is provided to the wireless terminal 100 and / or processed into a data structure recordable in the wireless IC chip 160 (or memory unit 165), and the processed agent And a transmitting unit 420 for transmitting the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information to the wireless terminal 100 through a predetermined wireless communication network. It is preferable to make it.

According to the method of the present invention, the first financial institution server (or financial institution linked server) 400 is recorded in the wireless IC chip 160 (or the memory unit 165) in the wireless terminal 100. Second to Nth (N = 2, 3, 4..N) financial transactions using predetermined second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means) And / or payment processing) is ended, and further comprising a receiving unit 425 for receiving the financial service processing result details from the wireless terminal 100.

According to the exemplary embodiment of the present invention, the first financial institution server (or the financial institution linked server) 400 receives a storage medium 435 for storing a result of a predetermined financial service processing and the reception unit 425. It is preferable to further comprise a storage unit 430 for storing the financial service processing result details in association with the user information and / or the storage medium 435.

Storage medium for storing the user information that issued the wireless IC chip 160 and the second to N (N = 2, 3, 4..N) financial account (and / or payment means) information in association with ( 405 is a second to Nth (N = 2, 3, 4..N) financial transactions (and / /) through the wireless terminal 100 through the window terminal (or manager terminal) provided in the first financial institution Or provide user information requesting payment processing) and second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information (e.g., a user fills out a form When submitted to a financial institution, the information contained in the form is received and stored through a teller terminal (or manager terminal) of the financial institution, and / or a predetermined server (eg, internet banking) provided in the first financial institution. Server (not shown)) or a device to receive the user information and second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means) from the user. Characterized in that the storage.

User information for requesting second to Nth (N = 2, 3, 4..N) financial transactions (and / or payment processing) to the storage medium 405 through the wireless terminal 100 as described above. When the 2nd to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information is stored in association, the management unit 410 stores the stored user information and the 2nd to Nth (N). = 2, 3, 4..N) through the interface unit 415 based on the financial account (and / or payment means) information using the predetermined network 440 and / or communication means 440 Access to a second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 or a predetermined financial management server 445 (eg, KFTC server, or Accessing the credit rating agency server) to confirm the change of the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information for the user, and the second to N (N = 2, 3, 4..N) financial accounts (and / or When a change in payment method) information exists, it updates the changes in the storage medium 405.

The transmission unit 420 may change (or update) the second to Nth (N = 2, 3, 4..N) financial account (and / or payment means) information stored in the storage medium 405. In this case, the changed (or updated) information is transmitted to the wireless terminal 100 (for example, when the program provided in the wireless terminal 100 operates on a WIPI basis), or to the wireless terminal 100. The second to N th (N = 2) including a predetermined callback UEL (eg, the callback UEL requesting the wireless terminal 100 to connect to the first financial institution server (or financial institution linked server) 400). , 3, 4..N) transmit a financial account (and / or payment means) information update message, and transmit the changed (or updated) information to the wireless terminal 100 based on the callback UEL, or Transfer the changed (or updated) information to the wireless terminal 100 at the request of the wireless terminal 100. Or in the wireless terminal 100, the information changed (or updated) during the IC chip-based financial transaction (and / or payment processing) using the first financial account (and / or payment means). The second through Nth (N = 2, 3, 4..N) financial account (and / or payment means) information transmitted to the wireless terminal 100 is transmitted to the wireless terminal 100. 160 (or the memory unit 165).

The receiving unit 425 may use the second to Nth (N = 2, 3, 4..N) financial accounts (and / or payment means) in the wireless terminal 100. N = 2, 3, 4..N) When the financial service processing result is transmitted from the wireless terminal 100 after the financial transaction (and / or payment processing) is performed, the financial service processing result is recorded. Receives and provides to the storage unit 430, the storage unit 430 is the user information and / or the second to Nth (N = 2, 3, 4.) the details of the received financial service processing result. N) is stored in the predetermined storage medium 435 in association with the financial account (and / or payment means) information.

The second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server) 450 may provide at least one of the second to Nth (N = 2, 3, 4. 4..N) WAP-based and / or VM-based wireless banking server that issued a financial account (and / or payment method), and provides a wireless banking service based on the WAP-based and / or VM-based wireless banking service 455. And a storage medium 460 for storing predetermined wireless banking information necessary for the wireless banking, wherein the second to Nth (N = 2, 3, 4..N) financial institutions are included. The functional configuration of the server (or financial institution linked server) 450 follows the basic technical details of the wireless banking system provided in each of the second to Nth (N = 2, 3, 4..N) financial institutions. As a result, the technical idea of the present invention is not limited.

Hereinafter, the first financial institution server (or financial institution linked server) 400 is referred to as a "server" for convenience in describing a wireless IC chip operation process in the present invention, and the second to Nth (N = 2, 3, 4..N) The financial institution server (or the financial institution linked server) 450 is referred to as the "other bank financial server 450" and the second to Nth (N = 2, 3, 4..N) Financial accounts (and / or payment methods) are referred to as "other financial accounts (and / or payment methods)".

5 is a diagram illustrating a preferred process of transmitting and recording other financial account (and / or payment means) information from a server to a wireless terminal according to an embodiment of the present invention.

In more detail, in FIG. 5, a predetermined other financial account (and / or payment means) storage information 200 is recorded in the wireless IC chip 160 in advance (eg, in the process of issuing the wireless IC chip 160). Record the financial account (and / or payment means) storage information 200 or store the other financial account (and / or payment means) in the wireless IC chip 160 through a post-issuance procedure of predetermined IC chip storage information. In the case where the information 200 is recorded), a third-party financial account for the user is periodically linked with the at least one third-party financial server 450 and / or the financial management server 445 in the server 400. And / or the payment means information is confirmed, and the other financial account (and / or payment means) information is changed (for example, the user from the other financial server 450, the new financial account (and / or payment means) ) Or other issued financial accounts (and / or) If the ID / PW is changed, the payment method)), is to transfer the changes to the wireless terminal 100 for the exemplary method for recording to the wireless IC chip (160). A person of ordinary skill in the art to which the present invention pertains may refer to FIG. 5 and refer to a predetermined other financial account (and / or payment means) recorded in the memory unit 165 other than the wireless IC chip 160. ) Can be easily inferred from the process of transmitting the information (eg, other financial server 450 connection information) to the wireless terminal 100 and recording the information.

Referring to FIG. 5, the server 400 is a third-party financial server 450 that issues a predetermined financial account (and / or payment means) to the user through a predetermined network 440 and / or communication means 440. And / or in conjunction with a predetermined financial management server 445, at least one third party financial institution checks whether the predetermined third party financial account (and / or payment means) information issued to the user is changed (500).

According to an exemplary embodiment of the present invention, financial account (and / or payment means) information for the user is shared between the server 400 and the other financial server 450 through a predetermined financial common network, and And / or affiliated to share financial account (and / or payment means) information for the user between the first financial institution and the other party, and / or to the financial management server 445 for a financial account ( And / or payment means) information is shared, the server 400 accesses the other financial server 450 and / or financial management server 445 to the other financial account (and / or payment means) for the user It is desirable to check whether the information has been changed.

According to another exemplary embodiment of the present invention, the server 400 uses the change when the other financial account (and / or payment means) information issued to the user is changed by the other financial server 450. Provide to the server 400 through a predetermined network means (eg, internet banking), and provide the user with the other financial server 400 based on the provided financial account (and / or payment means) information. It is desirable to check whether the financial account (and / or payment method) information has changed.

If the other financial account (and / or payment means) information for the user is changed (505), the server 400 is the financial account from the other financial server 450 and / or financial management server 445 Extract changes to the (and / or payment means) information (510), and store the changes of the extracted other financial account (and / or payment means) information in the storage medium in association with the user information; Or update 515.

When a change in the information on the other financial account (and / or payment means) for the user is stored and / or updated in the storage medium, the server 400 sends the other financial account (and / or payment means) to the user. Information stored in a predetermined third party financial account (and / or payment means) including a data structure which is transmitted to the wireless terminal 100 and which is recorded in the wireless IC chip 160 by the wireless terminal 100. 200, and the wireless IC chip 160 issued or issued by the first financial institution through the predetermined wireless communication network is loaded or detached from the other financial account (and / or payment means) storage information 200. The transmission is transmitted to the wireless terminal 100 (525).

The wireless terminal 100 receives the other financial account (and / or payment means) storage information 200 from the server 400 through the wireless communication network, and receives the other external financial account (and / or payment means) The storage information 200 is stored in the wireless IC chip 160 (or the memory unit 165) (530).

6 is a view showing a preferred process for initiating a predetermined financial transaction (and / or payment processing) on the basis of other financial account (and / or payment means) information in a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an IC chip-based wireless banking service using a first financial account (and / or payment means) issued to the user by the first financial institution in the wireless terminal 100. Before the validity of the wireless IC chip 160 is authenticated (for example, user authentication through a personal identification number (PIN)), predetermined third-party financial institutions and financial services are provided through user interface information stored in the memory unit 165. And a user authentication process through ID / PW for the other financial account (and / or payment means).

Referring to FIG. 6, the wireless terminal 100 selects a predetermined hot key and / or a wireless banking menu, whereby the first financial account (and the first financial account issued by the first financial institution to the user) Check whether the IC chip-based wireless banking service using the payment means (or payment method) is started (600).

If the wireless terminal 100 starts a wireless banking service using a first financial account (and / or payment means) issued to the user by the first financial institution (605), the wireless terminal 100 is predetermined User interface information (eg, financial institution selection related user interface information included in the user interface unit 186 or financial institution selection related user interface information stored in the memory unit 165 included in the wireless terminal 100). A predetermined financial institution selection menu is output to the user based on the request, and waits for input of predetermined financial institution selection information from the user (610).

If predetermined financial institution selection information is input from the user (615), the wireless terminal 100 reads the input financial institution selection information so that the user has a first financial unit provided in the wireless IC chip 160. It is checked whether a financial institution corresponding to the account (and / or payment means) is selected or a predetermined third party financial institution that has issued a predetermined financial account (and / or payment means) to the user is selected (620).

If the user selects the first financial institution as a result of checking the financial institution selection information (625), the wireless terminal 100 confirms the validity of the wireless IC chip 160 (630). According to a preferred embodiment of the invention, the validation process for the wireless IC chip 160 is provided to the wireless IC chip 160 by inputting a predetermined personal identification number (PIN) in the wireless terminal 100, The wireless IC chip 160 includes a series of procedures for authenticating the personal identification number.

If the validity of the wireless IC chip 160 is not authenticated (635), a financial transaction using a predetermined financial account (and / or payment means) corresponding to the first financial institution in the wireless terminal 100 ( And / or payment processing) is terminated without being normally performed, whereas if the validity of the wireless IC chip 160 is authenticated (635), the wireless terminal 100 is the IC chip based wireless defined by the first financial institution. According to a banking procedure, a predetermined financial transaction (and / or payment processing) using the first financial account (and / or payment method) is performed (640).

On the other hand, if the check result of the financial institution selection information indicates that the user does not select the first financial institution (eg, selects a third-party financial institution that has issued a predetermined financial account (and / or payment method) to the user), The wireless terminal 100 may store predetermined user interface information (for example, financial service selection related user interface information included in the user interface unit 186 or a memory unit 165 included in the wireless terminal 100). Outputting a predetermined financial service selection menu to the user based on the user interface information related to the financial service selection, and waiting for input of predetermined financial service selection information using the other financial account (and / or payment means) from the user. (645).

If predetermined financial service selection information is input from the user (650), the wireless terminal 100 reads the input financial service selection information, and the predetermined financial service selection information corresponding to the read result is read from the memory unit 165. The third party financial server 450 access information (for example, the network address corresponding to the banking element for providing the selected financial service) is extracted from the third party financial server 450 and the extracted third party financial server 450 is connected. In operation 660, the information is connected to the other financial server 450 on the wireless communication network.

According to a preferred embodiment of the present invention, the other financial server 450 is a WAP-based and / or VM-based wireless banking server 450, the wireless terminal 100 is the WAP in the wireless banking server 450 Emulates a predetermined wireless browser and / or banking program defined to provide a base and / or VM-based wireless banking service, and accesses the other financial server 450, and the other financial server connected to the wireless terminal 100 is emulated. 450 preferably corresponds to a page address for providing the selected financial service on the WAP-based and / or VM-based on the wireless banking server 450.

When the wireless terminal 100 is connected to the other financial server 450 as described above, the server 400 transmits predetermined banking element data corresponding to the selected financial service to the wireless terminal 100. Referring to FIG. 6, the wireless terminal 100 receives predetermined banking element data for user authentication from the server 400 (665).

Upon receiving predetermined banking element data for user authentication from the server 400, the wireless terminal 100 transmits predetermined banking element data corresponding to the banking element data (eg, to another financial account (and / or payment means)). The corresponding ID / PW is input, and / or extracted from the memory unit 165 and transmitted to the other financial server 450 (670), and the other financial server 450 is the wireless terminal 100. Authorizing to provide a predetermined financial service through the other financial account (and / or payment means) through the wireless terminal 100 based on the predetermined user authentication information transmitted from.

If the above user authentication procedure is not normally performed (eg, if user authentication error information is received from the other financial server 450) 675, the wireless terminal 100 may transmit the other financial account (and / or). Ending the predetermined financial transaction (and / or payment processing) using the payment means).

On the other hand, if the user authentication procedure is normally performed, the wireless terminal 100 performs a predetermined financial transaction (and / or payment processing) process using the other financial account (and / or payment means) through the process as shown in FIG. Perform.

7 is a view showing a preferred process for initiating a predetermined financial transaction (and / or payment processing) on the basis of other financial account (and / or payment means) information in the wireless terminal according to another embodiment of the present invention .

In more detail, FIG. 7 illustrates an IC chip-based wireless banking service using a first financial account (and / or payment means) issued to the user by the first financial institution in the wireless terminal 100. When the validity of the wireless IC chip 160 is authenticated (eg, user authentication through a personal identification number (PIN)), a predetermined third party financial institution and a financial service are selected through user interface information stored in the memory unit 165. And a preferred embodiment of using the validity authentication result of the wireless IC chip 160 as user authentication information for the other financial account (and / or payment means). It is a preferred embodiment for the case where the alliance is shared between other financial institutions corresponding to the account (and / or payment means) to mutually share the user authentication result.

Referring to FIG. 7, the wireless terminal 100 selects a predetermined hot key and / or a wireless banking menu, whereby the first financial account issued to the user by the first financial institution (and Check whether the IC chip-based wireless banking service using the payment means (or payment method) is started (700).

If the wireless terminal 100 starts a wireless banking service using a first financial account (and / or payment means) issued to the user from the first financial institution (705), the wireless terminal 100 is To confirm the validity of the wireless IC chip 160 (710), according to a preferred embodiment of the present invention, the validation process for the wireless IC chip 160 is a predetermined personal identification number in the wireless terminal 100 When a PIN is input and provided to the wireless IC chip 160, the wireless IC chip 160 includes a series of procedures for authenticating the personal identification number.

If the validity of the wireless IC chip 160 is not authenticated (715), the wireless terminal 100 does not perform a predetermined financial transaction (and / or payment processing) using the wireless IC chip 160. .

On the other hand, if the validity of the wireless IC chip 160 is authenticated (715), the wireless terminal 100 is predetermined user interface information (e.g., user interface information related to financial institution selection included in the user interface unit 186). Or included in user interface information related to financial institution selection stored in the memory unit 165 included in the wireless terminal 100 or other financial account (and / or payment means) information stored in the wireless IC chip 160. Outputting a predetermined financial institution selection menu to the user based on the financial institution name and / or user interface information read from the financial institution identification code, and waits for input of the predetermined financial institution selection information from the user (720). .

If predetermined financial institution selection information is input from the user (725), the wireless terminal 100 reads the input financial institution selection information so that the user has a first financial unit provided in the wireless IC chip 160. It is checked whether a financial institution corresponding to the account (and / or payment means) is selected or a predetermined third party financial institution that has issued a predetermined financial account (and / or payment means) to the user is selected (730).

If, as a result of checking the financial institution selection information, the user selects the first financial institution (735), the wireless terminal 100 according to the IC chip-based wireless banking procedure defined by the first financial institution, the first financial institution; A predetermined financial transaction (and / or payment processing) using the financial account (and / or payment means) is performed (740).

On the other hand, if the check result of the financial institution selection information indicates that the user does not select the first financial institution (eg, selects a third-party financial institution that has issued a predetermined financial account (and / or payment method) to the user), The wireless terminal 100 may store predetermined user interface information (for example, financial service selection related user interface information included in the user interface unit 186 or a memory unit 165 included in the wireless terminal 100). Predetermined user interface information based on user interface information related to financial service selection or financial service code included in other financial account (and / or payment means) information stored in the wireless IC chip 160). Output a financial service selection menu, and use the other financial account (and / or payment means) from the user. Wait for input of the financial service selection information of the user (745).

If predetermined financial service selection information is input from the user (750), the wireless terminal 100 reads the input financial service selection information, and the predetermined financial service selection information corresponding to the read result is read from the memory unit 165. The third party financial server 450 access information (for example, the network address corresponding to the banking element for providing the selected financial service) is extracted from the other financial server 450, and the extracted third party financial server 450 is connected. Access to the other financial server 450 on the wireless communication network through the information (765), and the result of validity authentication on the wireless IC chip 160 is used as user authentication information on the other financial account (and / or payment means). The transmission to the other financial server 450 (765)

6 and 7 are for explaining the wireless IC chip operating process of the present invention to those skilled in the art to easily implement the present invention, and those skilled in the art to which the present invention pertains, FIG. With reference to 7 it can be easily inferred a variety of wireless IC chip 160 rotation process in accordance with the spirit of the present invention. For example, in FIG. 7), a process of transmitting the validity authentication result of the wireless IC chip 160 to the other financial server 450 as user authentication information for the other financial account (and / or payment means) ( In FIG. 6, the wireless terminal 100 receives predetermined banking element data for user authentication from the other financial server 450 and inputs predetermined user authentication information corresponding to the banking element data. And / or may be replaced with the steps 665 to 670 which are extracted from the wireless IC chip 160 (or the memory unit 165) and transmitted to the other financial server 450.

8 is a diagram illustrating a preferred process of performing a predetermined financial transaction (and / or payment processing) on the basis of other financial account (and / or payment means) information in the wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a predetermined transaction with the wireless terminal 100 through the process of FIGS. 6 to 7 (or a process of initiating financial transactions (and / or payment processing) inferred from FIGS. 6 and 7). The preferred process for performing the other financial transactions (and / or payment processing) disclosed between the financial server 450.

Referring to FIG. 8, a predetermined third party financial transaction (and / or payment) corresponding to a predetermined financial service is performed between the wireless terminal 100 and the predetermined third party financial server 450 through the processes of FIGS. 6 to 7. Process), the wireless terminal 100 waits for the predetermined banking element data corresponding to the selected financial service from the third party financial server 450 to be received (800). When predetermined banking element data corresponding to the selected financial service is received (805), the wireless terminal 100 outputs the received banking element data on the screen, and reads the received banking element data. At least one information data item for financial transactions (and / or payment processing) included in the banking element data is identified (810).

According to a preferred embodiment of the present invention, the information data item for the financial transaction (and / or payment processing) is the other financial server 450 in the wireless terminal 100 for the other financial transaction (and / or payment processing) It is preferable to include an item corresponding to the transmission data to be transmitted in the). For example, if the received banking element data refers to the transaction history of the other financial account, the information data item for the financial transaction (and / or payment processing) included in the banking element data may be stored in the other financial account (and / or). Financial account number for a payment method) and a financial transaction password for the financial account (and / or payment method) inquiry.

When the information data item for the financial transaction (and / or payment processing) is confirmed, the wireless terminal 100 confirms the information from the other financial account (and / or payment means) information recorded in the wireless IC chip 160. In operation 815, it is determined whether there is financial transaction (and / or payment processing) information data that should be extracted in response to the information data item for financial transaction (and / or payment processing).

If there is no need to extract predetermined third party financial account (and / or payment means) information data corresponding to the information data item for the financial transaction (and / or payment processing) from the wireless IC chip 160 (eg, the If the information data item for the identified financial transaction (and / or payment processing) requires user input or can be extracted from the financial account (and / or payment means) information stored in the memory unit 165, 820, the The wireless terminal 100 inputs the confirmed financial transaction (and / or payment processing) information data through predetermined key input means provided in the wireless terminal 100, and / or the memory unit 165. Extracted from 825.

On the other hand, if the predetermined third party financial account (and / or payment means) information data corresponding to the information data item for the financial transaction (and / or payment processing) to extract from the wireless IC chip 160 (for example, If the financial transaction (and / or payment processing) information data is stored in the wireless IC chip 160) (820), the wireless terminal 100 from the wireless IC chip 160 to the other financial account (and / or Alternatively, the method checks whether the validity of the wireless IC chip 160 is already authenticated in order to extract the information data (830).

According to the exemplary embodiment of the present invention, if the validity authentication process for the wireless IC chip 160 is performed as shown in FIG. 7 before the process of FIG. 8, the validity of the wireless IC chip 160 is pre-certified. If the validity verification process for the wireless IC chip 160 is omitted as in FIG. 6 before the process of FIG. 8, the validity of the wireless IC chip 160 is not verified. will be.

If validity authentication is required for the wireless IC chip 160 (835), the wireless terminal 100 confirms the validity of the wireless IC chip 160 (840), a preferred embodiment of the present invention According to the present invention, the validity checking process for the wireless IC chip 160 is performed by inputting a predetermined personal identification number (PIN) from the wireless terminal 100 to the wireless IC chip 160. ), A series of procedures for authenticating the personal identification number.

If the validity of the wireless IC chip 160 is not authenticated (845), the wireless terminal 100 extracts information data for the financial transaction (and / or payment processing) from the wireless IC chip 160. No processing is performed, and as a result, financial services using the other financial account (and / or payment means) are terminated.

On the other hand, if the validity of the wireless IC chip 160 is authenticated (845), the wireless terminal 100 is provided with the confirmed financial transaction (and / or payment processing) information data in the wireless terminal 100 Input through a predetermined key input means, and / or extracted from the wireless IC chip 160 (or the memory unit 165) (850).

In the above process, when the identified financial transaction (and / or payment processing) information data is input and / or extracted, the wireless terminal 100 receives the information data for the financial transaction (and / or payment processing). The payment is transmitted to the other financial server 450 to perform a predetermined financial transaction (and / or payment processing) corresponding to the financial service (855).

After the financial transaction (and / or payment processing) corresponding to the other financial account (and / or payment means) is performed through the above process, the wireless terminal 100 performs the other financial transaction (and / or payment) performed. Receive the predetermined financial service processing result details corresponding to the processing), and the predetermined financial service processing result details corresponding to the other financial transaction (and / or payment processing) are received from the other financial server 450. When received (865), the wireless terminal 100 outputs the received financial service processing result details on the screen of the wireless terminal 100, and stored in the wireless IC chip 160 (or memory unit 165). (870). In addition, the wireless terminal 100 transmits the financial service processing result details to the server 400 in real time (or periodically) through a predetermined wireless communication network and stores them in the storage medium 435 (875).

100: wireless terminal 160: wireless IC chip
165: memory unit 170: recording unit
174: receiving unit 178: connecting unit
182: transmission unit 186: user interface unit
190: verification unit 194: authentication unit
198: extractor 200: financial account (and / or payment method) storage information
400: first financial institution server (or financial institution linked server)
450: Second to Nth (N = 2, 3, 4..N) financial institution server (or financial institution linked server)

Claims (6)

In the payment means setting method performed in a wireless terminal that is mounted or detached wireless IC chip interoperable with a contactless interface,
Confirming N (N ≧ 1) payment means recorded in the wireless IC chip;
Selecting a specific payment method to be used for payment from among the identified N payment means; And
And setting the selected specific payment means to be used for payment using the contactless interface.
The method of claim 1,
And displaying an interface for selecting a specific payment method to be used for payment among the N payment means.
The payment method, characterized in that the payment method is selected through the interface.
The method of claim 1,
A step of inputting a permission code for setting the selected specific payment means to be used for payment using the contactless interface,
The payment method, characterized in that the payment means is set to be used for the payment through the permission code.
The method of claim 1,
And setting the payment using the contactless interface through the set specific payment means.
The method of claim 1, wherein the N payment means,
Method of setting a payment means comprising a credit card payment means, debit card payment means, check card payment means, prepaid card payment means, electronic wallet payment means.
The contactless interface of claim 1, wherein the contactless interface comprises:
Method of setting a payment method, characterized in that the interface according to the ISO / IEC 14443 standard.

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