KR20090093234A - VoIP Terminal with Function of Virtual Financial Terminal and Method for Financial Transaction, Program Recording Medium - Google Patents

Abstract

A financial transaction method for removing a complex procedure such as inconvenient key input and a separate certificate issuance is provided to supply non-facing financial transaction by recognizing CD/ATM(Cash Dispenser/Automatic Teller Machine) based security module. A VoIP(Voice over Internet Protocol) terminal confirms authentication information is inputted through a virtual financial terminal authentication interface(600). The VoIP terminal confirms the virtual financial terminal information from the security module(610). The financial corporation server confirms the virtual banking terminal validity of the VoIP terminal(625). The VoIP terminal performs the financial transaction process of corresponding to the crustaceous banking terminal.

Description

VIP terminal with virtual financial terminal function and financial transaction method and recording medium therefor {VoIP Terminal with Function of Virtual Financial Terminal and Method for Financial Transaction, Program Recording Medium}

The present invention provides security module information and VoIP corresponding to a security module provided in the VoIP terminal for controlling non-face-to-face financial transactions through the card reader through a VoIP terminal having a key input means, a screen output means, and a card reader. Transmitting terminal information to a server on a communication network; receiving virtual security terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network; and the security module through the virtual financial terminal activation information. Activating a virtual financial terminal function of a virtual CD / ATM (Cash Dispenser / Automatic Teller Machine) function and an encryption / decryption based end-to-end secure communication with a financial company server according to the non-face-to-face financial transaction control of the security module. Connecting a channel, and controlling the virtual financial terminal provided in the security module according to the non-face-to-face financial transaction control of the security module. Processing the VoIP terminal to be recognized as a virtual financial transaction terminal by transmitting a beam to a financial institution server through the secure communication channel and non-face-to-face financial transaction interface-CD on the screen output means according to the non-face-to-face financial transaction control of the security module. A financial transaction interface corresponding to the ATM transaction procedure, reading the customer card information through the card reader based on the non-face-to-face financial transaction interface, and selecting financial transaction type selection information and the selected financial transaction through a key input means. Input and process one or more transaction information corresponding to a type, generate a preamble including one or more of the read customer card information, financial transaction type selection information, and transaction information corresponding to the financial transaction type; Transmitting non-face-to-face financial transactions through the channel to the financial institution server Having a virtual terminal functions including financial transactions related to financial methods through a VoIP terminal.

With the continuous development of information and communication technology, each financial institution has been using non-face-to-face financial transaction channels through the financial transaction terminal through CD / ATM (Cash Dispenser / Automatic Teller Machine), telebanking, internet banking, and wireless application protocol (WAP) based wireless. It provides various types of non-face-to-face financial transaction channels using customer terminals such as banking and wireless banking based on integrated circuit (IC) chips.

The non-face-to-face financial transaction channel through the CD / ATM of the non-face-to-face financial transaction channel is carried by the customer through a card reader provided in the financial transaction terminal directly managed and operated by each financial institution (or an authorized affiliated company). It is characterized in that it provides a non-face-to-face financial transaction channel using the card information read from the customer card that is present as an authentication means (for example, terminal authentication for the CD / ATM and whether the customer card possession).

In addition, the tele-banking and WAP-based wireless banking of the non-face-to-face financial transaction channel, the characteristics of the communication network that the customer terminal uses a circuit-switched communication network difficult to intervene third-party intervention, and each communication company authenticates the validity of the terminal The non-face-to-face financial transaction channel is provided by using the subscriber authentication characteristic as an authentication means, and the Internet banking uses a non-faceted financial transaction by using an accredited certificate provided to a client terminal connected to an open network through which third party intervention is possible. Characterized by providing a face-to-face financial transaction channel, the IC chip-based wireless banking is characterized by providing a non-face-to-face financial transaction channel using the IC chip as an authentication means.

Recently, VoIP services have been commercialized, including the characteristics of subscriber authentication through carriers, such as telebanking and WAP-based wireless banking, and connected to an open network capable of third-party intervention.

However, the VoIP is difficult to provide a non-face-to-face financial transaction channel such as the telebanking and WAP-based wireless banking because it does not use a circuit-switching scheme, which has subscriber authentication characteristics through the telecommunications company, but the third party intervention is difficult. In order to solve the problem of the open network that can be intervened by the third party, in order to use the certificate as a means of authentication, there is a problem that involves complicated procedures such as inconvenient key input of numeric keys and issuance of a separate certificate. It is included.

An object of the present invention for solving the above problems is provided with a key input means, a screen output means and a card reader, corresponding to the security module provided in the VoIP terminal to control the non-face-to-face financial transactions through the card reader An information transmitter for transmitting security module information and VoIP terminal information to a server on a communication network, an information receiver for receiving virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network, and the virtual finance Activate the virtual financial terminal function of the security module through the terminal activation information, and controls to connect the end-to-end secure communication channel based on encryption / decryption based on the non-face-to-face financial transaction control of the activated security module, Non-face-to-face financial transactions on screen output means according to non-face-to-face financial transaction control of activated security module Control to output an interface, control to read customer card information through the card reader based on a non-face-to-face financial transaction interface, and perform transactions corresponding to the financial transaction type selection information and the selected financial transaction type through a key input means. Control to input one or more pieces of information, generate a full message including one or more of the read customer card information, financial transaction type selection information, and transaction information corresponding to the financial transaction type, and establish the end-to-end secure communication channel. When the non-face-to-face financial transaction is terminated and the non-face-to-face financial transaction is terminated, the virtual financial terminal controller for deactivating the security module and the VoIP terminal are processed as a virtual financial transaction terminal. Deactivate the VoIP terminal in communication with the VoIP server on the communication network A VoIP communication control unit which controls to recognize that the call is in progress, and when the non-face-to-face financial transaction is terminated, restores the VoIP call function and controls the VoIP call to be recognized as being possible by connecting to a VoIP server on a communication network. To provide a VoIP terminal.

In the financial transaction method through a VoIP terminal having a virtual financial terminal function according to the present invention, a non-face-to-face financial transaction through the card reader through a VoIP terminal having a key input means, a screen output means and a card reader Transmitting security module information and VoIP terminal information corresponding to the security module provided in the VoIP terminal to a server on a communication network, and virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network. Activating a virtual financial terminal function of the security module-a virtual Cash Dispenser / Automatic Teller Machine (CD / ATM) function through the virtual financial terminal activation information; Connecting an end-to-end secure communication channel based on encryption / decryption with a financial institution server according to financial transaction control, and Transmitting virtual financial terminal information included in the security module to the financial company server through the secure communication channel according to the financial transaction control face-to-face and processing the VoIP terminal to be recognized as a virtual financial transaction terminal; Output the non-face-to-face financial transaction interface-the financial transaction interface corresponding to the CD / ATM transaction procedure-on the screen output means according to the financial transaction control, and read the customer card information through the card reader based on the non-face-to-face financial transaction interface. Inputs and processes financial transaction type selection information and one or more transaction information corresponding to the selected financial transaction type through a key input means, and reads the read customer card information, financial transaction type selection information and the financial transaction type. Create a telegram containing one or more pieces of information, and establish It characterized in that it comprises the step of transmitting to the financial institution server non-face-to-face financial transactions are processed.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing a financial transaction method through a VoIP terminal having a virtual financial terminal function described above.

Meanwhile, a VoIP terminal having a virtual financial terminal function according to the present invention includes a key input unit, a screen output unit, and a card reader, and is provided in the VoIP terminal to control a non-face-to-face financial transaction through the card reader. An information transmitter for transmitting security module information and VoIP terminal information corresponding to the security module to a server on a communication network, and an information receiver for receiving virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network. And activating a virtual financial terminal function of the security module through the virtual financial terminal activation information, and connecting an end-to-end secure communication channel based on encryption / decryption with a financial company server according to the non-face-to-face financial transaction control of the activated security module. Control the non-face-to-face financial transaction control of the activated security module. Control the financial transaction interface to be output, control to read the customer card information through the card reader based on the non-face-to-face financial transaction interface, and correspond to the financial transaction type selection information and the selected financial transaction type through a key input means. Control to input one or more transaction information, and generate a full message including one or more of the read customer card information, financial transaction type selection information, and transaction information corresponding to the financial transaction type, and the end-to-end secure communication. When the non-face-to-face financial transaction is terminated through the channel and the non-face-to-face financial transaction is terminated, when the virtual financial terminal control unit and the VoIP terminal are processed as a virtual financial transaction terminal, the VoIP call of the VoIP terminal Disable the function and connect with VoIP server on the network. VoIP communication that controls the VoIP terminal to be recognized as being in a call, and when the non-face-to-face financial transaction is terminated, restores the VoIP call function and controls the VoIP terminal to be recognized as capable of a voice call with the VoIP server on the communication network. It is characterized by comprising a control unit.

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 addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 VoIP subscription system for providing CD / ATM-based non-face-to-face financial transactions through VoIP according to an embodiment of the present invention.

In more detail, Figure 1 shows that a VoIP subscription customer purchases (or receives) a VoIP terminal 150 equipped with a card reader and a security module, and when a VoIP subscription process is performed for the VoIP terminal 150, a subscription processing terminal ( 145) providing the VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information to the VoIP system through a communication network, the VoIP system having the VoIP subscription information on the VoIP system. Stored in the stored storage medium 135, generates virtual financial terminal activation information for the security module corresponding to the security module information, provides the VoIP terminal 150, and then stores the virtual financial information in the storage medium 135. By further connecting the terminal activation information to the storage medium 135, the VoIP subscription system for processing to provide a CD / ATM-based non-face-to-face financial transactions through the VoIP terminal 150 For those skilled in the art to which the present invention pertains, various implementations of the VoIP subscription system for providing CD / ATM-based non-face-to-face financial transactions through the VoIP by referring to and / or modifying the drawing of FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the VoIP subscription information provided from the subscription processing terminal 145 is stored in the storage medium 135 on the VoIP subscription information registration system shown in FIG. 1, and the virtual information about the security module corresponding to the security module information is stored. After generating the financial terminal activation information to the VoIP terminal 150 to the VoIP terminal 150, and further linked to the virtual financial terminal activation information to the storage medium 135 and stored in the storage medium 135 At least one means or component corresponding to the functional configuration is referred to as " VoIP subscription server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a VoIP subscription system for providing CD / ATM-based non-face-to-face financial transactions over VoIP according to the present invention includes at least one subscription processing terminal 145 connected to a communication network. And storing the VoIP subscription information including at least one of the customer information transmitted from the subscription processing terminal 145, the VoIP terminal 150 information, and the security module information, and virtual finance for the security module corresponding to the security module information. A storage medium 135 further storing terminal activation information in association with the terminal activation information, and connected to the subscription processing terminal 145 through a communication network, and receives VoIP subscription information transmitted through the communication network and stores the received subscription information in the storage medium 135. And a VoIP subscription server 100 further storing the virtual financial terminal activation information for the security module corresponding to the security module information in the storage medium 135. It characterized by comprising.

The subscription processing terminal 145 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the VoIP subscription server 100 through a communication or connected to a code division multiple access (CDMA) based mobile communication network, or A wireless communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based wireless communication network, a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including one or more.

According to the embodiment of the present invention, the subscription processing terminal 145 inputs (or at least one VoIP subscription information including at least one customer information, VoIP terminal 150 information and security module information from the VoIP subscription server 100) (or Receiving and outputting at least one interface screen, and inputting (or selecting) VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information through the interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for transmitting to the VoIP subscription server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the subscription processing terminal 145 corresponding to at least one wired terminal or a wireless terminal, and thus the detailed description thereof is provided for convenience. Omit.

When the subscription processing terminal 145 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the subscription processing terminal 145 is a wireless terminal, Preferably, the communication network includes at least one CDMA-based (or HSDPA-based) mobile communication network, IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless LAN communication network.

The storage medium 135 provided on the VoIP system for the VoIP subscription providing the CD / ATM based non-face-to-face financial transaction through the VoIP is the customer information transmitted from the subscription processing terminal 145 and the VoIP terminal 150. And store the VoIP subscription information including at least one information and security module information, and further associate and store virtual financial terminal activation information for the security module corresponding to the security module information.

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 150 provided with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 150. It is preferable to comprise).

The VoIP terminal 150 information is identification information assigned to the VoIP terminal 150 by a VoIP provider to identify the VoIP terminal 150 that is requested to be subscribed among the plurality of VoIP terminals 150. Preferably, the VoIP terminal 150 includes a telephone number, and according to the intention of a person skilled in the art, the VoIP terminal 150 further includes other identification information (for example, an ESN, a serial number, or an IP address) in addition to the telephone number. It is preferable to make.

The security module information is information for identifying a security module provided in the VoIP terminal 150, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information activates a security module provided in the VoIP terminal 150 so that the VoIP terminal 150 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, the storage of the virtual financial terminal activation information in the storage medium 135 may be omitted. The present invention is not limited by this.

According to an embodiment of the present invention, the VoIP subscription server 100 establishes a communication channel with the subscription processing terminal 145 through the communication network to provide a web interface corresponding to the communication network with the subscription processing terminal 145. It is characterized in that it comprises an interface unit 105 for connecting and managing, whereby the VoIP subscription server 100 is connected to the subscription processing terminal 145 and a wired communication network, or a wireless communication network of a web server connected through a wireless communication network. With functions.

According to an embodiment of the present invention, when the subscription processing terminal 145 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 105 is connected to the subscription processing terminal 145. Connect a communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and transmit and output an interface screen in the form of a document compatible with HTML (Hyper-Text Markup Language) to the subscription processing terminal 145 through the communication channel. It is preferable to perform a function of receiving and processing VoIP subscription information input (or selected) through the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the subscription processing terminal 145 and the WAP. (Wireless Application Protocol) or ME (Mobile Explorer) protocol to connect a communication channel, the interface screen in the form of WML (Wireless Markup Language) or HTML compatible document to the subscription processing terminal 145 through the communication channel It is preferable to perform the function of transmitting and outputting the data, and receiving and processing VoIP subscription information corresponding to the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is the subscription processing terminal 145. ) And a communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmits and outputs an interface screen to the subscription processing terminal 145 through the communication channel, from the subscription processing terminal 145. It is preferable to perform a function of receiving and processing VoIP subscription information corresponding to the interface screen, or when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, The interface unit 105 connects a communication channel with the subscription processing terminal 145 based on a wireless protocol corresponding to the IEEE 802.11x standard. To transfer the board through the interface screen to the join processing terminal 145 to the output, and performs processing from the subscriber terminal 145, a function of receiving the VoIP processing subscription information corresponding to the interface screen are preferred.

Referring to FIG. 1, the VoIP subscription server 100 connects the VoIP subscription server 100 to the VoIP subscription server 100 through the interface unit 105 to request VoIP registration information registration. In connection with 105, the subscription processing terminal 145 generates (or selects) an interface screen for inputting (or selecting) and transmitting VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information. Receives (or extracts) the VoIP subscription information inputted (or selected) through the interface screen from the interface providing unit 110 and the interface processing unit 105 and the interface processing unit 105 through the interface screen. The information receiving unit 115 and the information storage unit 125 for storing the received VoIP subscription information in the storage medium 135 is characterized in that it comprises a.

The interface providing unit 110, when the subscription processing terminal 145 is connected to the VoIP subscription server 100 through the interface unit 105, the functional configuration (eg, subscription) provided in the subscription processing terminal 145 In response to the browser program included in the processing terminal 145, the user can input (or select) VoIP subscription information to generate an interface screen for transmitting to the VoIP subscription server 100 through the communication network, or a database (not shown). And the interface screen generated in conjunction with the interface unit 105 is provided to the subscription processing terminal 145 through the communication network.

Thereafter, the subscription processing terminal 145 inputs (or selects) VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information based on the interface screen, and the VoIP subscription information. When it is confirmed that is input (or selected), the subscription processing terminal 145 transmits the input (or selected) VoIP subscription information to the VoIP subscription server 100 through the communication network.

Those skilled in the art to which the present invention pertains, the customer information and the VoIP terminal 150 information and at least one form form included in the interface screen in the subscription processing terminal 145 and The VoIP subscription server 100 includes technical features for inputting (or selecting) VoIP subscription information including at least one security module information, and the VoIP subscription information input (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features to transmit to, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) the VoIP subscription information through the interface screen at the subscription processing terminal 145 and transmits the information through the communication network. The VoIP subscription information is interworked with the interface unit 105. And receiving the received VoIP subscription information to the information storage unit 125.

The information storage unit 125 stores VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information received through the information receiving unit 115 in the storage medium 135. Characterized in that.

Referring to FIG. 1, the VoIP subscription server 100 includes an information generation unit 120 for generating virtual financial terminal activation information for a security module corresponding to the security module information, and the generated virtual financial terminal activation information. It is characterized in that it comprises an information transmitting unit 130 for transmitting to the VoIP terminal 150 and the information storage unit 125 for further storing the virtual financial terminal activation information in the storage medium 135 .

When the VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information is received through the information receiver 115, the information generator 120 is included in the VoIP subscription information. Based on the security module information, the virtual financial terminal activation information for the security module provided in the VoIP terminal 150 is generated.

Herein, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (eg, CD / ATM) by activating a security module provided in the VoIP terminal 150. It is preferable to include one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, and the like, which are read (or authenticated) by the security module.

According to another embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, generating the virtual financial terminal activation information may be omitted, and the present invention is not limited thereto. .

When the virtual financial terminal activation information is generated by the information generator 120, the information transmitter 130 transmits the virtual financial terminal to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through a communication network. By transmitting the activation information, when the non-face-to-face financial transaction in the VoIP terminal 150, the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information.

According to another exemplary embodiment of the present invention, the information transmitter 130 corresponds to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through the VoIP server 140 connected to the VoIP terminal 150 and the VoIP communication channel. By transmitting the virtual financial terminal activation information to), when the non-face-to-face financial transaction in the VoIP terminal 150, it is possible to process so that the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information. The present invention is not limited thereby.

When the non-face-to-face financial transaction is performed in the VoIP terminal 150 in the VoIP terminal 150, when the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information, the information storage unit 125 The virtual financial terminal activation information is stored in the storage medium 135 in further connection with the VoIP subscription information.

2 is a diagram illustrating a VoIP subscription process for providing CD / ATM based non-face-to-face financial transactions through VoIP according to an embodiment of the present invention.

In more detail, FIG. 2 shows that the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. 1 provides customer information, VoIP terminal 150 information, and security module information to the VoIP subscription server 100 through a communication network. When the VoIP subscription information including at least one is transmitted, the VoIP subscription server 100 stores the VoIP subscription information in the storage medium 135, and activates the virtual financial terminal for the security module corresponding to the security module information. After generating and providing the information to the VoIP terminal 150, the storage medium 135 is further associated with the virtual financial terminal activation information to store in the storage medium 135, the present invention Those skilled in the art, various implementations of the VoIP subscription process for providing a CD / ATM based non-face-to-face financial transactions through the VoIP by referring to and / or modifying the Figure 2 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the VoIP subscription server 100 on the VoIP subscription information registration system shown in FIG. 1 is referred to as " server " for convenience, and the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 2, a terminal on the VoIP subscription information registration system shown in FIG. 1 connects to the server through the communication network and establishes a communication channel for VoIP subscription providing CD / ATM-based non-face-to-face financial transactions through VoIP. To connect (200).

Those skilled in the art to which the present invention pertains, CD-ATM based ratio through the VoIP by the terminal connected to the server according to the communication protocol corresponding to the communication network through a browser program corresponding to the communication network Since you will be familiar with the technical features of connecting communication channels for VoIP subscriptions that provide face-to-face financial transactions, a detailed description thereof will be omitted for convenience.

When the communication channel for VoIP subscription providing CD / ATM based non-face-to-face financial transaction through VoIP is connected between the terminal and the server as described above, the terminal is connected to the server via the communication channel CD / ATM via VoIP. Request an interface screen for VoIP subscription providing a non-face-to-face financial transaction (205), and correspondingly, the server includes at least one of the customer information, VoIP terminal 150 information, and security module information in the terminal. An interface screen including a user interface for inputting (or selecting) VoIP subscription information is generated (or extracted) (210), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel ( 215).

Thereafter, the terminal includes at least one VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information through the user interface included in the interface screen for input (or selection) of the VoIP subscription information. Process 220 to input (or select).

If the VoIP subscription information is input (or selected) in the terminal (225), the terminal includes at least one of the customer information, VoIP terminal 150 information and security module information to the server through the communication channel. The VoIP subscription information is transmitted (230), and correspondingly, the server stores the received VoIP subscription information in the storage medium 135 shown in FIG. 1 (235).

Thereafter, the server generates virtual financial terminal activation information for the security module provided in the VoIP terminal 150 based on the security module information included in the VoIP subscription information (240).

Herein, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (eg, CD / ATM) by activating a security module provided in the VoIP terminal 150. It is preferable to include one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, and the like, which are read (or authenticated) by the security module.

According to another embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, generating the virtual financial terminal activation information may be omitted, and the present invention is not limited thereto. .

Thereafter, by transmitting the virtual financial terminal activation information to the VoIP terminal 150 corresponding to the VoIP terminal 150 information, the non-face-to-face financial transaction in the VoIP terminal 150, the virtual financial terminal activation information through the virtual terminal The non-face-to-face financial transaction function of the security module is processed to be activated (245).

If the VoIP terminal 150 is processed to activate the non-face-to-face financial transaction function of the security module through the virtual financial terminal activation information (250), the server adds the virtual financial terminal activation information to the VoIP subscription information. The data is stored in the storage medium 135 in association with each other (255).

3 is a diagram illustrating a functional configuration of a VoIP terminal 300 having a CD / ATM based non-face-to-face financial transaction function through VoIP according to an embodiment of the present invention.

In more detail, Figure 3 is a method for implementing a non-face-to-face financial transaction function based on the CD / ATM (Cash Dispenser / Automatic Teller Machine) via VoIP in the VoIP terminal 300 having a card reader, the present invention For those skilled in the art, various additional function configurations for the VoIP terminal 300 having the CD / ATM-based non-face-to-face financial transaction function through the VoIP are described with reference to FIG. It may be further inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 3, the VoIP terminal 300 for CD / ATM-based non-face-to-face financial transactions through VoIP basically includes a control unit 305, a memory unit 330, a card reader 310, and a key input unit 320. And a screen output unit 315, a sound processing unit 325, a security module, and a power supply unit 345 for supplying power to the VoIP terminal 300, and the communication network to which the VoIP terminal 300 is connected. Connect a VoIP communication channel with a gateway (or gatekeeper) through a network, or use a CD / ATM-based method through the VoIP server 385 (or communication relay server 390) on the communication network connected to the VoIP terminal 300 and the VoIP. Characterized in that it comprises a communication processing unit 335 for connecting a communication channel for non-face-to-face financial transactions, it is possible to further comprise at least one or more terminal functional units (not shown) according to the intention of those skilled in the art.

The controller 305 controls the overall operation of the VoIP terminal 300 in function configuration, manages the flow of information or data between each component, and VoIP for CD / ATM-based non-face-to-face financial transaction function through the VoIP Characterized in that interlocking and controlling at least one or more components provided in the terminal 300, at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU)) in hardware For example, it comprises a register or RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and a predetermined recording to perform a function specific to the VoIP terminal 300 by software. Any program routine or program data loaded from the medium into the execution memory and computed by the processor Including (therefore, a program recorded on a recording medium provided in the VoIP terminal 300 for a CD / ATM-based non-face-to-face financial transaction function through the VoIP, or a software configuration among the functional configurations provided in the VoIP terminal 300). Components shown in the control unit 305).

According to the exemplary embodiment of the present invention, the controller 305 outputs a screen (e.g., the memory unit 330, the card reader 310, the key input unit 320, and a screen) included in the VoIP terminal 300. Control the provision of the electronic payment service defined in the VoIP terminal 300 by interworking the unit 315 and the security module and communication processing unit 335, or a terminal function unit (not shown) according to the intention of those skilled in the art. And managing, as well as interworking control of the components provided in the VoIP terminal 300 for CD / ATM-based non-face-to-face financial transactions via VoIP, or CD / ATM-based non-face-to-face financial transactions via VoIP In order to execute the program recorded in the recording medium provided in the VoIP terminal 300 for.

The memory unit 330 may input or output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP terminal 300 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 305 to perform a predetermined control function. It is done.

According to the method of the present invention, the memory unit 330 is the VoIP terminal 300 in the financial institution server 385 (or communication relay server 390) for CD / ATM-based non-face-to-face financial transactions via the VoIP It is preferable to store the security module information for confirming the security module provided in the).

According to an exemplary embodiment of the present invention, the memory unit 330 receives card information (or account information) from a customer card through the card reader 310 for a CD / ATM based non-face-to-face financial transaction through the VoIP. Card information reading interface information for reading in association with the screen output unit 315, a password input interface for inputting a password through the key input unit 320 to the screen output unit 315 Password input interface information for outputting in association with the reference) and a financial transaction type selection interface for outputting the financial transaction type selection interface for selecting a financial transaction type through the key input unit 320 in connection with the screen output unit 315. Input transaction information including at least one transaction amount and transaction target account information through interface information and the key input unit 320. It is preferable to store the interface information including one or more transaction information input interface information for outputting the transaction information input interface in conjunction with the screen output unit 315, the VoIP terminal 300 as a virtual financial terminal It is preferable to further store interface information including one or more virtual financial terminal authentication interface information for outputting the virtual financial terminal authentication interface for inputting authentication information for processing to be authenticated in conjunction with the screen output unit 315.

According to an embodiment of the present invention, the card information reading interface information includes a CD / ATM based card information reading interface, the password input interface information includes a CD / ATM based password input interface, and the financial transaction. The type selection interface information may include a CD / ATM based financial transaction type selection interface, and the transaction information input interface information may include a CD / ATM based transaction information input interface.

According to another exemplary embodiment of the present invention, the card information reading interface information includes a card information reading interface for a mobile terminal for each financial company, and the password input interface information includes a password input interface for a mobile terminal for each financial company. The transaction type selection interface information may include a financial transaction type selection interface for each financial company, and the transaction information input interface information may include a transaction information input interface for each financial company.

Customers using the VoIP terminal 300, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, or based on the ISO / IEC 7816 standard contact IC card (or wireless IC chip), or ISO / Based on the IEC 14443 standard, it possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), and the card reader 310 includes at least one information or data provided in the card. It provides an interface for reading the.

According to the method of the present invention, the card reader 310 is an MS reader for providing an interface between the MS card and the VoIP terminal 300, or an interface between the contact IC card and the VoIP terminal 300. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 300.

The MS reader unit is a card reader unit 310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the VoIP terminal 300 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the VoIP terminal (300).

The non-contact IC reader is a card reader 310 based on ISO / IEC 14443. At least one of the non-contact IC cards may be in electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using APDU (VoIP terminal) 300).

According to the method of the present invention, the card reader 310 is a card information (for example, the customer account and the card) from the customer card through the card reader 310 for the non-face-to-face financial transactions through the VoIP It is preferable to read linked cash card information, debit card information, and check card information, or to read account information (eg, real account number, virtual account number, online account number) or electronic bank account information.

The key input unit 320 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the device, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP terminal 300 controlled by the controller 305. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305, and the controller 305 is Obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 300, or executing a predetermined function matched to the key event It is characterized by obtaining a command. The key input unit 320 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP terminal 300.

The key input device interoperating with the key input unit 320 may include a keypad device including at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 320 is a CD / ATM based non-face-to-face financial transaction process through the VoIP from at least one key input device for CD / ATM-based non-face-to-face financial transaction through VoIP. It is preferable to perform the function of the key input means for receiving at least one or more key data required.

According to the exemplary embodiment of the present invention, the key input apparatus corresponding to the key input unit 320 is based on the CD / ATM through the VoIP in the initial mode, the voice call mode, or the data communication mode. It is desirable to have a hot key for non-face-to-face financial transactions.

The screen output unit 315 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 305 while the VoIP terminal 300 performs a predetermined function (for example, an electronic payment processing function). Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display output device including a) through a predefined interface screen, and the screen output unit 315 and the screen output Devices interoperate with each other to perform the function of the screen output means provided in the VoIP terminal 300.

The predefined information or data to be output from the VoIP terminal 300 to the screen output device may be provided by key data input through the key input unit 320 or a component included in the VoIP terminal 300. Information (or data) stored or generated, information (or data) transmitted and received through at least one communication processor 335, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 300. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 315 is in the CD / ATM-based non-face-to-face financial transaction step via VoIP to the screen output device for the CD / ATM-based non-face-to-face financial transaction via VoIP It is preferable to perform the function of the screen output means for outputting the corresponding process screen.

The sound processor 325 is a function component that processes input and output of sound in the voice call mode of the VoIP terminal 300. The sound processor 325 decodes at least one encoded sound data (or voice data) to decode the VoIP terminal. Or a vocoder and a codec for encoding and encoding a sound signal outputted to a speaker provided in the 300 or through a microphone provided in the VoIP terminal 300. It features.

The communication processing unit 335 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the VoIP terminal 300 and a gateway (or gatekeeper), or CD / Vo over the VoIP. It is characterized by connecting the communication channel to the financial company server 385 (or communication relay server 390) on the communication network for ATM-based non-face-to-face financial transactions.

The security module is the confidentiality (Authentication) or authentication (Integrity) or nonrepudiation (Nonrepudiation) required in the process of the VoIP terminal 300 performs the non-face-to-face financial transactions through the VoIP As a safety device for performing a security requirement including a security server and the like in a secure and reliable structure within the VoIP terminal 300 without using an authentication server (not shown) on the communication network, the VoIP terminal 300 is a predetermined Encrypts or decrypts a predetermined message (information or data) processed in the course of performing a security request function (e.g., electronic payment or electronic payment function), adds an authenticator to prevent forgery (or tampering) of the message, Or storing important key information in the process of performing the security request function.

In general, the security module is preferably composed of a predetermined security module inserter and a security module chip, the security module chip is a chip containing at least 8 bits or more CPU and memory on-demand semiconductor having a performance of 2 MIPS (Million Instructions Per Second) or more An Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)) is preferably included.

In addition, the security module may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) or keys required for the VoIP terminal 300 to perform a predetermined security request function. For example, one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, security module issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocol, key download protocol, security module revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode acquisition / collection / delete / retirement / initialization / reprocessing / cancellation command). It is preferable to comprise.

According to an embodiment of the present invention, the security module processes the virtual CD / ATM information so that the financial institution server 385 (or the communication relay server 390) recognizes the VoIP terminal 300 as a virtual CD / ATM. Preferably, the financial institution server 385 (or the communication relay server 390) that has received the virtual CD / ATM information is configured to execute the VoIP service until the non-face-to-face financial transaction through the VoIP terminal 300 is terminated. It is preferable to process the financial transaction by recognizing the terminal 300 as a virtual CD / ATM.

According to an embodiment of the present invention, the security module recognizes the VoIP terminal 300 as a virtual CD / ATM by the financial institution server 385 (or the communication relay server 390). Non-face-to-face financial transaction control information for controlling a non-face-to-face financial transaction procedure (for example, a virtual CD / ATM-based financial transaction procedure) through the VoIP terminal 300 according to the non-face-to-face financial transaction control information. It is preferable to have a non-face-to-face financial transaction authentication function for authenticating the non-face-to-face financial transaction step.

Here, the non-face-to-face financial transaction control information is a non-face-to-face financial including at least one card information reading interface, password input interface, financial transaction type selection interface, transaction information input interface from the VoIP terminal 300 to the screen output means. Preferably, the non-face-to-face financial transaction authentication function includes an interface according to a non-face-to-face financial transaction procedure to the screen output means through the interface control information. It is desirable to authenticate that is being output.

In addition, the non-face-to-face financial transaction control information, the card information authentication information for authenticating the validity of the card information (or account information) read from the card reader unit 310 through the card information reading interface, the password input interface Password authentication information for authenticating the validity of the password input from the key input unit 320 through, financial transaction type selection interface to the financial transaction type selection information input from the key input unit 320 through the transaction information input interface and various Preferably, the non-face-to-face financial transaction authentication function is read through the card reader 310 through the card information authentication information. Verify the validity of the card information (or account information), or It is desirable to authenticate the validity of the transaction information to group various key input unit 320 authenticates the validity of the financial transaction kind selected information inputted through the, or input through the key input unit 320. The

For example, validity authentication of the card information (or account information) through the card information authentication information, the card information (or account information) that can be non-face-to-face financial transactions through the VoIP terminal 300 ( Or account information) (eg, card information (or account information) associated with a customer account opened at a particular bank).

Alternatively, the validity authentication of the password through the password authentication information comprises authenticating whether the password includes a password system (eg, a 4-digit password) corresponding to the read card information (or account information). It is preferable.

Alternatively, validity authentication of the financial transaction type selection information through the input information authentication information may include non-face-to-face finance corresponding to the financial transaction type selection information through a customer account corresponding to the read card information (or account information). It may be desirable to include verifying that transactions (eg, cash withdrawal transactions, foreign currency remittance transactions, bank transfer transactions, etc.) are possible.

Alternatively, the validity authentication of the transaction information through the input information authentication information may include non-face-to-face financial transactions (eg, cash withdrawal) corresponding to the transaction information through a customer account corresponding to the read card information (or account information). Transactions, foreign currency remittance transactions, bank transfer transactions, etc.) is preferably included.

Referring to FIG. 3, the VoIP terminal 300 starts a virtual financial terminal program (eg, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 300). When performing the CD / ATM based non-face-to-face financial transaction function, the VoIP terminal 300 confirms that the VoIP based communication channel is connected, and when checking the VoIP based communication channel, the VoIP terminal 300 determines the VoIP based communication channel. ) And a communication channel switching unit 350 for switching to a communication channel between the financial institution server 385 (or the communication relay server 390).

When the customer using the VoIP terminal 300 requests the CD / ATM based non-face-to-face financial transaction through VoIP through the key input unit 320, the communication channel switching unit 350 is connected to the VoIP terminal 300. It is characterized by checking whether the VoIP based communication channel is connected.

Upon confirming the VoIP based communication channel, the communication channel switching unit 350 converts the VoIP based communication channel into a communication channel between the VoIP terminal 300 and the financial institution server 385 (or the communication relay server 390). It is characterized in that for connecting the communication channel between the VoIP terminal 300 and the financial institution server 385 (or communication relay server 390) through the communication network.

According to the exemplary embodiment of the present invention, when the VoIP terminal 300 supports a plurality of communication channels, the communication channel switching unit 350 maintains the VoIP based communication channel and the financial institution 300 and the financial company. It is preferable to connect a communication channel between the server 385 (or communication relay server 390).

Referring to FIG. 3, when the virtual financial terminal program is started, the VoIP terminal 300 is switched (or connected) by the communication channel switching unit 350 for CD / ATM based non-face-to-face financial transactions through the VoIP. Information for transmitting the VoIP terminal 300 information and the security module information corresponding to the security module provided in the VoIP terminal 300 to the financial institution server 385 (or the communication relay server 390) through the communication channel. Receiving virtual financial terminal activation information corresponding to the security module information and the VoIP terminal 300 information through the communication channel from the transmission unit 353 and the financial institution server 385 (or the communication relay server 390). An information receiving unit 355 is provided.

When the communication channel is switched (or connected) to the financial company server 385 (or the communication relay server 390) by the communication channel switching unit 350 for CD / ATM-based non-face-to-face financial transactions through the VoIP, The information transmitter 353 checks the VoIP terminal 300 information (not shown) and the security module information corresponding to the security module provided in the VoIP terminal 300 in association with the memory unit 330. The confirmed VoIP terminal 300 information and security module information is characterized in that for transmitting to the financial institution server 385 (or communication relay server 390).

According to the method of the present invention, when the financial institution server 385 (or the communication relay server 390) can check the information of the VoIP terminal 300 through the communication channel, the information transmitter 353 Check the security module information corresponding to the security module provided in the VoIP terminal 300 in conjunction with the memory unit 330, and the security module information to the financial company server (385) (or communication relay server 390) Is preferred.

Subsequently, the financial institution server 385 (or the communication relay server 390) uses a card reader and a valid security module (eg, the virtual CD) to the VoIP terminal 300 through the VoIP terminal 300 information and the security module information. / ATM information, and verify that the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function) is provided, and when the authentication is confirmed, the VoIP terminal 300 through the communication channel And the virtual financial terminal activation information, and the information receiver 355 transmits the virtual financial terminal activation information from the financial institution server 385 (or the communication relay server 390) through the communication channel. It is characterized by receiving.

Here, the virtual financial terminal activation information is information for activating the VoIP terminal 300 to operate as a virtual financial terminal (= virtual CD / ATM) by starting the security module provided in the VoIP terminal 300. As a security module activated by the virtual financial terminal activation information, the VoIP terminal 300 and the financial company server 385 (or the financial company server 385 via the communication relay server 390) and encryption / decryption based Connect the secure communication channel, and transmit the virtual CD / ATM information included in the security module from the VoIP terminal 300 to the financial institution server 385 through the secure communication channel, and the VoIP terminal 300. In the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module is preferred to process the non-face-to-face financial transaction.

Referring to FIG. 3, when the virtual financial terminal activation information is received, the VoIP terminal 300 may include a security module processor 363 that activates a virtual financial terminal function of the security module through the virtual financial terminal activation information. In accordance with the non-face-to-face financial transaction control of the security module, the communication channel connection unit 365 for connecting the financial company server 385 and the end-to-end secure communication channel based on encryption / decryption, and a virtual financial terminal authentication interface to the screen output means. Checks the virtual financial terminal information from the security module based on the interface output unit 370 and the authentication information input through the virtual financial terminal authentication interface, and transmits to the financial company server 385 through the secure communication channel. A terminal authentication processing unit 367 for processing the VoIP terminal 300 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM). Characterized in that eojineun.

When the virtual financial terminal activation information is received from the financial institution server 385 (or the communication relay server 390) by the information receiving unit 355, the security module processing unit 363 is the received virtual financial terminal activation information. By providing to the security module, the security module to read the virtual financial terminal activation information characterized in that the processing to activate the virtual financial terminal function of the security module.

According to the method of the present invention, when the virtual financial terminal function of the security module is activated by the security module processing unit 363, the operation of the VoIP terminal 300 thereafter is non-face-to-face financial transaction control information of the security module. It is desirable that each non-face-to-face financial transaction step is controlled and authenticated through the non-face-to-face financial transaction authentication function.

When the security module processing unit 363 activates the virtual financial terminal function of the security module, the communication channel connection unit 365 is based on encryption / decryption with the financial company server 385 according to the non-face-to-face financial transaction control of the security module. It characterized in that connecting the end-to-end secure communication channel.

According to an exemplary embodiment of the present invention, the communication channel connection unit 365 bypasses one or more communication relay servers 390 according to the non-face-to-face financial transaction control of the security module and the VoIP terminal 300. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption between financial institution servers 385.

According to another exemplary embodiment of the present invention, the communication channel connection unit 365 may encrypt / encrypt between the VoIP terminal 300 and the financial company server 385 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect a decryption-based end-to-end secure communication channel.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 300 and the financial institution server 385 described above. The detailed description thereof will be omitted for convenience.

When the virtual financial terminal function of the security module is activated by the security module processor 363, and the end-to-end secure communication channel between the VoIP terminal 300 and the financial institution server 385 is connected, the interface output unit 370. ) Outputs a virtual financial terminal authentication interface to the screen output means according to the non-face-to-face financial transaction control of the security module, and authentication information (eg, PIN for the security module) through the virtual financial terminal authentication interface. Information) is inputted, the terminal authentication processing unit 367 provides the input authentication information to the security module to be read according to the non-face-to-face financial transaction control of the security module, so as to be read as the authentication result of the authentication information. After confirming (or extracting) the virtual financial terminal information from the security module, the virtual financial terminal information is transferred to the secure communication channel. And the VoIP terminal 300 is recognized as a virtual financial terminal (eg, a virtual CD / ATM) by the financial institution server 385.

According to another exemplary embodiment of the present invention, the interface output unit 370 outputs the virtual financial terminal authentication interface, and the terminal authentication processing unit 367 stores the authentication information input through the virtual financial terminal authentication interface. Processing to be provided as a module to be authenticated may be omitted, thereby the present invention is not limited.

When the VoIP terminal 300 is recognized as the virtual financial terminal (eg, a virtual CD / ATM), the terminal authentication processor 367 receives virtual financial terminal authentication information from the financial company server 385. Accordingly, the VoIP terminal 300 performs a financial transaction procedure corresponding to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. It is characterized by performing.

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module, the VoIP terminal 300 performs a non-face-to-face financial transaction of the security module. The interface output unit 370 outputs a card information reading interface, a password input interface, a financial transaction type selection interface, and a transaction information input interface according to a non-face-to-face financial transaction procedure. When the card information reading interface is outputted, an information reading unit 375 for reading card information (or account information) from the customer card through the card reader unit 310 and the password input by the interface output unit 370. When the interface is output, a password is input through the key input unit 320, and the financial transaction type is selected by the interface output unit 370. When the face is output, the financial transaction type selection information is input and processed through the key input unit 320, and when the transaction information input interface is output, one or more transaction amount and transaction target account information are output through the key input unit 320. An information input unit 373 for inputting and processing transaction information, and a full text for generating a transaction request message including one or more of the read customer card information, financial transaction type selection information, and transaction information corresponding to the selected financial transaction type; And a professional processing unit 380 for generating the transaction request message to the financial company server 385 through the end-to-end secure communication channel to process the non-face-to-face financial transaction. In accordance with the non-face-to-face financial transaction control of the security module, the screen output unit 315 is connected to the interface output unit 370. Control to output one or more non-face-to-face financial transaction interfaces, control to read customer card information through the card reader unit 310 based on the non-face-to-face financial transaction interface in connection with the information reading unit 375, and In connection with the information input unit 373, the key input unit 320 controls the financial transaction type selection information and one or more transaction information corresponding to the selected financial transaction type to be input, and in conjunction with the full text generation unit 377. Control to generate a transaction request message including one or more of the read customer card information, the financial transaction type selection information, and the transaction information corresponding to the financial transaction type, and secure the end-to-end secure communication in connection with the specialized processing unit 380. Is it possible to control the non-face-to-face financial transaction by transmitting the generated transaction request message to the financial company server 385 through the channel. Characterized in that obtained by having a banking terminal control section 360. The

When the VoIP terminal 300 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module, the interface output unit 370 of the security module through the virtual financial terminal control unit 360. Card information reading interface, password input interface, financial transaction type selection interface in connection with the memory unit 330 according to a non-face-to-face financial transaction procedure (for example, CD / ATM-based financial transaction procedure) based on non-face-to-face financial transaction control And outputting a transaction information input interface, wherein each interface output step is authenticated based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module through the virtual financial terminal control unit 360. It is desirable to be.

According to the first embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure (eg, CD) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. / ATM based financial transaction procedure), after outputting the card information reading interface and the password input interface, it is preferable to output the financial transaction type selection interface, and sequentially outputs the transaction information input interface according to the financial transaction type.

According to the second embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure (eg, CD) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. / ATM based financial transaction procedure), and then outputs the transaction information input interface, the card information reading interface, and the password input interface sequentially according to the financial transaction type.

According to the third embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure (eg, CD) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. / ATM based financial transaction process), and after outputting the card information reading interface, password input interface and the financial transaction type selection interface, it is preferable to sequentially output the transaction information input interface according to the financial transaction type.

According to the fourth embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure (eg, CD) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. / ATM based financial transaction procedure) and then output the card information reading interface and the financial transaction type selection interface, and then sequentially outputs the transaction information input interface and the password input interface according to the financial transaction type.

Those skilled in the art to which the present invention pertains include a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360 in addition to the interface output method described above. For example, the card information reading interface, the password input interface, the financial transaction type selection interface, and the transaction information input interface are sequentially (or by combining two or more interfaces in one screen output means) according to a CD / ATM-based financial transaction procedure). Various output methods may be inferred, and the present invention is characterized by including all the inferred implementation methods.

Through the interface output unit 370 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. When the card information reading interface is output, the information reading unit 375 performs a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360 (eg, CD / The card information (or account information) is read from the customer card through the card reader 310 according to the ATM-based financial transaction procedure).

When card information (or account information) is read from the customer card through the information reading unit 375, the virtual financial terminal control unit 360 performs non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function of the security module. It is preferable to authenticate the validity of the read card information (or account information) based on, wherein the validity authentication of the card information (or account information), the read card information (or account information) is And verifying whether the non-face-to-face financial transaction is possible (eg, card information (or account information) associated with a customer account opened at a specific bank) through the VoIP terminal 300. desirable.

Alternatively, the interface output unit 370 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. When the password input interface is outputted, the information input unit 373 may perform a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360 (eg, CD / ATM-based financial transaction procedure) characterized in that the input password processing through the key input unit 320.

When the password is input through the information input unit 373, the virtual financial terminal controller 360 validates the input password based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module. Preferably, the authentication of the password comprises authenticating whether the password includes a password system (eg, a 4-digit password) corresponding to the read card information (or account information). It is preferable.

Alternatively, the interface output unit 370 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. When the financial transaction type selection interface is outputted, the information input unit 373 may perform a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360 (eg, The financial transaction type selection information through the key input unit 320 according to a CD / ATM-based financial transaction procedure. In response, the interface output unit 370 is configured to control the virtual financial terminal control unit 360. The selected gold according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module. It characterized in that it outputs the transaction information input interface corresponding to the transaction type.

When the financial transaction type selection information is input through the information input unit 373, the virtual financial terminal control unit 360 inputs the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module. It is preferable to authenticate the validity of the financial transaction type selection information, wherein the validity authentication of the financial transaction type selection information is selected through the customer account corresponding to the read card information (or account information). It is preferable to include verifying whether non-face-to-face financial transactions (eg, cash withdrawal transactions, foreign currency remittance transactions, bank transfer transactions, etc.) corresponding to the information are possible.

Alternatively, the interface output unit 370 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. When the transaction information input interface is output through the information input unit 373, the key input unit 320 inputs transaction information including one or more transaction amounts corresponding to the financial transaction type and one or more transaction target account information. Characterized in that.

When the transaction information is input through the information input unit 373, the virtual financial terminal control unit 360 may enter into the input transaction information based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module. It is preferable to authenticate the validity, wherein the validity authentication for the transaction information, non-face-to-face financial transactions (eg, cash) corresponding to the transaction information through a customer account corresponding to the read card information (or account information) Preferably withdrawal transaction, foreign currency remittance transaction, bank transfer transaction, etc.).

The card information (or account information) is read from the customer card through the information reading unit 375, and the financial transaction type selection information and the transaction information corresponding to the financial transaction type are read through the information input unit 373. When input, the full text generation unit 377 may be a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360 (eg, CD / ATM-based financial transaction procedure). According to the customer card information, the financial transaction type selection information and the transaction request information including at least one transaction information corresponding to the selected financial transaction type is characterized in that it is generated.

Here, the transaction request message including one or more of the customer card information, the financial transaction type selection information, and the transaction information corresponding to the selected financial transaction type is a transaction request message transmitted from the CD / ATM terminal by the financial company server 385. It is preferable to include the CD / ATM-based transaction request specialized structure that is recognized as.

When the transaction request message is generated according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360, the The professional processor 380 may perform the communication channel according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal controller 360. The non-face-to-face financial transaction may be processed by transmitting the generated transaction request message to the financial company server 385 through an end-to-end secure communication channel connected by a connection unit 365.

In addition, the specialized processing unit 380 is in accordance with the non-face-to-face financial transaction procedures (eg, CD / ATM-based financial transaction procedures) based on the non-face-to-face financial transaction control of the security module through the virtual financial terminal control unit 360 A transaction response message (eg, a ledger response message including a ledger processing result corresponding to the transaction request message) from the financial institution server 385 through the end-to-end secure communication channel, or the transaction request message Receiving the transaction result including the financial transaction processing result according to the ledger processing result corresponding to the received transaction; and receiving the received transaction according to the non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure). Characterized in that the screen output the full response.

The professional processing unit 380 includes a profit transaction response message (eg, a ledger response message including a ledger processing result corresponding to the transaction request text message, or a financial transaction processing result according to the ledger processing result corresponding to the transaction request text message). Full transaction result), the virtual financial terminal control unit 360 is characterized in that it releases the end-to-end secure communication channel between the VoIP terminal 300 and the financial institution server (385).

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module, the VoIP terminal 300 performs the VoIP of the VoIP terminal 300. Deactivates the call function, controls the VoIP terminal 300 to be recognized as being in communication with the VoIP server 395 on the communication network, and when the non-face-to-face financial transaction is terminated, restores the VoIP call function and VoIP on the communication network. It is characterized in that it is provided with a VoIP communication control unit 305 for controlling to recognize that the voice call to the VoIP terminal 300 in association with the server 395.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module, the VoIP communication controller 305 deactivates the VoIP call function of the VoIP terminal 300. It is characterized by deactivating the VoIP-based voice call through the VoIP terminal 300, and deactivating the data communication function through the VoIP terminal 300 except for the secure communication channel.

In addition, the VoIP communication control unit 305 transmits the VoIP communication deactivation information to the VoIP server 395 (for example, a gateway or a gatekeeper) on the communication network, whereby the VoIP terminal 300 calls the VoIP server 395. Characterized in that the processing to be recognized as being.

The transaction processing message including the financial transaction processing result according to the ledger processing result corresponding to the transaction request message is received by the expert processing unit 380 or the VoIP terminal 300 and the financial company server ( When the end-to-end secure communication channel between 385) is released, the VoIP controller 357 activates the VoIP call function of the VoIP terminal 300, thereby activating the VoIP-based voice call through the VoIP terminal 300, It is characterized in that to activate the data communication function through the VoIP terminal (300).

In addition, the VoIP communication controller 305 transmits the VoIP communication activation information to the VoIP server 395 (eg, a gateway or a gatekeeper) on the communication network, thereby allowing the VoIP server 395 to communicate with the VoIP terminal 300. Characterized in that the voice call is processed as possible.

4 illustrates a CD / ATM based non-face-to-face financial transaction system through VoIP according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates that when the VoIP terminal 470 provides the VoIP terminal 470 information and the security module information to the financial institution server 435 (or a communication relay server) through a communication network, the financial institution server 435 (or Communication terminal) transmits virtual financial terminal activation information corresponding to the VoIP terminal 470 information and the security module information to the VoIP terminal 470 in association with the storage medium 430 of the VoIP terminal 470. The virtual financial terminal function is activated, and the financial institution server 435 receives and authenticates the virtual financial terminal information from the VoIP terminal 470 on which the virtual financial terminal function is activated, thereby enabling the virtual financial terminal function of the VoIP terminal 470. After authentication, a system configuration for processing a financial transaction by receiving the full transaction request from the authenticated VoIP terminal 470, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 4 It may be possible to infer various implementation methods for the configuration of CD / ATM based non-face-to-face financial transaction system through the VoIP by modifying and / or modifying the invention, but the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited only to the implemented method.

Hereinafter, the VoIP terminal 470 information and the security module information provided from the VoIP terminal 470 are received on the VoIP terminal 470 information and the security module information registration system shown in FIG. 4, and the received VoIP terminal ( 470) at least one or more means for transmitting the virtual financial terminal activation information corresponding to the information and the security module information to the VoIP terminal 470, or a component corresponding to the functional configuration is referred to as a "relay server 400" for convenience, After receiving and authenticating the virtual financial terminal information from the VoIP terminal 470 on which the virtual financial terminal function is activated, authenticating the virtual financial terminal function of the VoIP terminal 470, and then transacting from the authenticated VoIP terminal 470. At least one or more means for receiving the request message and processing the financial transaction, or a component corresponding to the functional configuration, is called " financial company server 435 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the CD / ATM-based non-face-to-face financial transaction system through VoIP includes at least one VoIP terminal 470 connected to a communication network and transmission from the VoIP terminal 470. A storage medium 430 storing the VoIP terminal 470 information and the security module information, and the VoIP terminal 470 connected to the VoIP terminal 470 through a communication network, and the VoIP terminal 470 information and the security module information transmitted through the communication network. And a relay server 400 for transmitting virtual financial terminal activation information corresponding to the received VoIP terminal 470 information and security module information to the VoIP terminal 470, and the VoIP terminal 470 and a communication network. Connected to the VoIP terminal 470 through the relay server 400 or through the relay server 400, and receives and authenticates the virtual financial terminal information from the VoIP terminal 470 on which the virtual financial terminal function is activated. Of terminal 470 After authenticating a virtual financial terminal function, and comprises a financial company server 435 for receiving a transaction request message from the authenticated VoIP terminal 470 to process a financial transaction, the financial company server 435 Is preferably a financial transaction server for processing a CD / ATM-based financial transaction, or comprises a server associated with a financial transaction server for processing a CD / ATM-based financial transaction.

The VoIP terminal 470 is characterized by having a VoIP function configuration shown in the drawing u, a detailed description thereof will be referred to the drawing u.

The storage medium 430 provided on the financial transaction system for CD / ATM-based non-face-to-face financial transactions through VoIP is provided with customer information, VoIP terminal 470 information, security module information, and the security module registered during the VoIP subscription. And storing the virtual financial terminal activation information for the security module corresponding to the information.

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 470 equipped with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 470. It is preferable to comprise).

The VoIP terminal 470 information is identification information assigned to the VoIP terminal 470 by a VoIP service provider to identify the VoIP terminal 470 that is requested to be subscribed among the plurality of VoIP terminals 470. It is preferable that the VoIP terminal 470 includes a telephone number, and further includes other identification information (eg, an ESN, a serial number, an IP address, etc.) in addition to the VoIP terminal 470 telephone number according to the intention of a person skilled in the art. It is preferable to make.

The security module information is information for identifying a security module provided in the VoIP terminal 470, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information activates a security module provided in the VoIP terminal 470 so that the VoIP terminal 470 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through a random number, the storage of the virtual financial terminal activation information in the storage medium 430 may be omitted. The present invention is not limited by this.

According to the exemplary embodiment of the present invention, the relay server 400 may include an interface unit 405 for connecting and managing the VoIP terminal 470 and the VoIP-based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 405 connects the VoIP terminal 470 and the VoIP-based voice call channel, and converts the voice call channel into a data communication channel.

According to another exemplary embodiment of the present invention, the interface unit 405 preferably connects the VoIP terminal 470 with a VoIP-based data communication channel.

Referring to FIG. 4, the relay server 400 receives an VoIP receiver 470 information and security module information transmitted from the VoIP terminal 470 in association with the interface unit 405. (Or information receiving means) and an information checking unit 415 (or information checking means) for confirming virtual financial terminal activation information corresponding to the VoIP terminal 470 information and the security module information in association with the storage medium 430. And an information transmitter 420 (or information transmission means) for transmitting the checked virtual financial terminal activation information to the VoIP terminal 470 to process the virtual financial terminal function of the VoIP terminal 470 to be activated. It is characterized by comprising.

The information receiving unit 410 receives the VoIP terminal 470 information and the security module information transmitted from the VoIP terminal 470 in association with the interface unit 405, the interface unit 405 When the information on the VoIP terminal 470 can be confirmed through the information receiving unit 410, the security module information received from the VoIP terminal 470 is received, and the VoIP terminal (405) is connected with the interface unit 405. 470 It is desirable to confirm the information.

When the VoIP terminal 470 information and the security module information are received by the information receiving unit 410, the information checking unit 415 is connected to the storage medium 430 and the VoIP terminal 470 information and security module. And confirming the virtual financial terminal activation information corresponding to the information.

According to another exemplary embodiment of the present invention, the information checking unit 415 may dynamically generate the virtual financial terminal activation information, and thus the present invention is not limited thereto.

Thereafter, the information transmitter 420 transmits the confirmed virtual financial terminal activation information to the VoIP terminal 470 to process the virtual financial terminal function of the VoIP terminal 470 to be activated.

Referring to FIG. 4, the relay server 400 connects the VoIP terminal 470 and the financial institution server 435 when the VoIP terminal 470 connects to the financial institution server 435 with an end-to-end secure communication channel. It is characterized by further comprising a communication relay unit 425 for relay connection.

According to an embodiment of the present invention, when the relay server 400 includes the communication relay unit 425, the relay server 400 may be a communication relay server between the VoIP terminal 470 and the financial company server 435. Is preferably.

Referring to FIG. 4, the financial institution server 435 includes a communication channel operating unit 440 (or communication channel operating unit) for connecting the VoIP terminal 470 with an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 445 (or information receiving means) for receiving virtual financial terminal information from the VoIP terminal 470 through the secure communication channel, and reading the virtual financial terminal information to read the virtual financial terminal information. It characterized in that it comprises a terminal authentication unit 450 (or terminal authentication means) for authenticating the validity.

The communication channel manager 440 connects the end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 470 shown in FIG.

According to an exemplary embodiment of the present invention, the communication channel operation unit 440 bypasses the relay server 400 in accordance with the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 470 and the financial company. It is desirable to connect an encryption / decryption based end-to-end secure communication channel between the servers 435.

According to another exemplary embodiment of the present invention, the communication channel operating unit 440 encrypts between the VoIP terminal 470 and the financial company server 435 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect end-to-end secure communication channels based on / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 470 and the financial institution server 435 described above. The detailed description thereof will be omitted for convenience.

Thereafter, the virtual financial terminal information receiving unit 445 receives virtual financial terminal information from the VoIP terminal 470 through the secure communication channel, and the terminal authentication unit 450 receives the virtual financial terminal information. It is characterized in that the processing to ensure that the VoIP terminal 470 is recognized as a virtual financial terminal by reading and authenticating the validity.

According to the exemplary embodiment of the present invention, the terminal authenticator 450 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 470 as a virtual financial terminal. Preferably, the financial institution server 435 has a database (not shown) that stores separate terminal authentication information for authenticating the virtual financial terminal information according to the CD / ATM authentication method for each financial institution. It is possible.

When the VoIP terminal 470 is authenticated (or recognized) with the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication unit 450 sends the virtual financial terminal authentication information to the VoIP terminal 470. In response, the VoIP terminal 470 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. It is characterized by performing a financial transaction procedure.

Referring to FIG. 4, the financial company server 435 is connected with a financial system 323 (or a professional receiving means) for receiving a transaction request message from the VoIP terminal 470 through the secure communication channel. A financial transaction processing unit 460 (or financial transaction processing means) that performs ledger processing corresponding to the received transaction request message, and a transaction response message (for example, corresponding to the transaction request message) Full-text transmission unit for generating a ledger response message including a ledger processing result, or a transaction result text including a financial transaction processing result according to the ledger processing result corresponding to the transaction request text message) and transmitting to the VoIP terminal 470; 465 (or specialized transmission means) is provided.

If the VoIP terminal 470 is recognized as a virtual financial terminal, the specialized processing unit according to the non-face-to-face financial transaction control of the security module provided in the VoIP terminal 470, the customer card information, financial transaction type selection information and the Characterized in that for receiving the full transaction request message containing one or more transaction information corresponding to the financial transaction type.

Here, the transaction request text including at least one of the customer card information, the financial transaction type selection information, and the transaction information corresponding to the selected financial transaction type is a transaction request message transmitted from the CD / ATM terminal at the financial company server 435. It is preferable to include the CD / ATM-based transaction request specialized structure that is recognized as.

When a transaction request message for requesting ledger processing according to the non-face-to-face financial transaction procedure is received through the specialized receiving unit 455, the financial transaction processing unit 460 is linked with the financial system to process the requested ledger process (eg, Ledger information inquiry, ledger information record).

In the technical field to which the present invention belongs, the financial transaction processing unit 460 will be familiar with the technical features of processing the ledger corresponding to the full transaction request in connection with the financial system, and the detailed description thereof will be omitted for convenience. do.

When the ledger processing by the financial transaction processing unit 460 is performed, the specialized transmission unit 465 may include a ledger processing result corresponding to the ledger processing result (eg, a ledger processing result corresponding to the transaction request full text). And a transaction result message including a financial transaction processing result according to a ledger processing result corresponding to the transaction request message), and transmits the generated message to the VoIP terminal 470. When the transaction result text including the financial transaction processing result according to the ledger processing result corresponding to the transaction request message is transmitted to the VoIP terminal 470, the communication channel operation unit 440 is end-to-end with the VoIP terminal 470. It is desirable to release the secure communication channel.

5 is a diagram illustrating a process of connecting a secure communication channel between the VoIP terminal 470 and the financial institution server 435 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 470) in the VoIP terminal 470 illustrated in FIG. Start and receive the virtual financial terminal activation information from the relay server 400 by transmitting the VoIP terminal 470 information and security module information to the relay server 400 shown in Figure 4, the received virtual financial After activating the virtual financial terminal function provided in the VoIP terminal 470 through the terminal activation information, based on the virtual financial terminal function connected to the financial institution server 435 shown in Figure 4 through the end-to-end secure communication channel As a person having ordinary skill in the art to which the present invention pertains, a secure communication channel is opened between the VoIP terminal 470 and the financial institution server 435 by referring to and / or modifying the present invention. Would be able to infer a variety of exemplary methods for the process of the present invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

Referring to FIG. 5, the VoIP terminal 470 shown in FIG. 3 starts a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 470). By connecting (or switching) the communication channel with the relay server 400 shown in FIG. 4 (500), and if the communication channel is connected (or switched) with the relay server 400 (505), the communication channel Check the VoIP terminal 470 information and the security module information corresponding to the security module provided in the VoIP terminal 470 in association with the memory unit through the relay server 400, and the confirmed VoIP terminal ( 470) and transmits the information and the security module information to the relay server 400 (510).

Subsequently, the relay server 400 includes a card reader and a valid security module (eg, the virtual CD / ATM information) in the VoIP terminal 470 in association with the storage medium 430, and the non-face-to-face financial transaction control information. And a security module having a non-face-to-face financial transaction authentication function), and when the VoIP terminal 470 is provided with a card reader and a valid security module, the VoIP terminal 470 from the storage medium 430. The virtual financial terminal activation information associated with the information and the security module information is checked (or dynamically generated) (515).

Here, the virtual financial terminal activation information, by activating the security module provided in the VoIP terminal 470 to activate the VoIP terminal 470 to operate as a virtual financial transaction terminal (= virtual CD / ATM). As information, the security module activated by the virtual financial terminal activation information is encrypted / decryption-based secure communication with the VoIP terminal 470 and the financial institution server 435 (or the financial institution server 435 via a communication relay server). Channel connection, and transmits the virtual CD / ATM information provided in the security module to the financial institution server 435 through the secure communication channel, and the VoIP terminal 470 Preferably, the non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function included in the security module are used to process the non-face-to-face financial transaction.

If the virtual financial terminal activation information is confirmed (520), the relay server 400 transmits the virtual financial terminal activation information to the VoIP terminal 470 through the communication channel (525), corresponding to the VoIP The terminal 470 receives the virtual financial terminal activation information through the communication channel and provides it to the security module, so that the virtual financial terminal function of the security module is activated by reading the virtual financial terminal activation information from the security module. Process 530.

If the virtual financial terminal function of the security module is activated (535), the VoIP terminal 470 is encrypted / decryption based end-to-end secure communication with the financial company server 435 in accordance with the non-face-to-face financial transaction control of the security module Connect the channel (540).

According to an exemplary embodiment of the present invention, the VoIP terminal 470 bypasses one or more communication relay servers according to the non-face-to-face financial transaction control of the security module, thereby allowing the VoIP terminal 470 and the financial company server 435. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption.

According to another exemplary embodiment of the present invention, the VoIP terminal 470 is encrypted / decrypted between the VoIP terminal 470 and the financial company server 435 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect the base end-to-end secure communication channel.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 470 and the financial institution server 435 described above. The detailed description thereof will be omitted for convenience.

6 illustrates a process of processing the VoIP terminal 470 to be recognized as a virtual financial terminal according to an embodiment of the present invention.

In more detail, FIG. 6 is connected to the financial company server 435 shown in FIG. 4 and the secure communication channel through the secure communication channel connection process of FIG. 5 in the VoIP terminal 470 shown in FIG. As a process for transmitting the virtual financial terminal information to the financial institution server 435 to process the VoIP terminal 470 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM) in the financial institution server 435, Those skilled in the art to which the present invention pertains can deduce various implementation methods for the process of processing the VoIP terminal 470 to be recognized as a virtual financial terminal by referring to and / or modifying the present invention. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 6, after the secure communication channel is connected to the financial institution server 435 shown in FIG. 4 through the secure communication channel connection process of FIG. 5, the VoIP terminal 470 of FIG. The terminal 470 outputs a virtual financial terminal authentication interface to the screen output means according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module, and authenticates information (eg, through the virtual financial terminal authentication interface). PIN information about the security module) is input (600), and if authentication information is input through the virtual financial terminal authentication interface (605), the VoIP terminal 470 is a virtual financial terminal function of the security module Authentication to the authentication information by processing to provide and read the input authentication information to the security module according to a non-face-to-face financial transaction control corresponding to Check the virtual financial information from the terminal and the security module as will be (or extraction) 610.

According to another exemplary embodiment of the present invention, the VoIP terminal 470 outputs the virtual financial terminal authentication interface, and provides authentication information input through the virtual financial terminal authentication interface to the security module to be authenticated. In this case, it is preferable to check (or extract) the virtual financial terminal information from the security module according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module.

If the virtual financial terminal information is confirmed (or extracted) from the security module (615), the VoIP terminal 470 is the secure communication channel according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module The virtual financial terminal information is transmitted to the financial institution server 435 through 620.

Thereafter, the financial institution server 435 receives the virtual financial terminal information, and reads and authenticates the received virtual financial terminal information to confirm the validity of the virtual financial terminal of the VoIP terminal 470 (625).

If the validity of the virtual financial terminal of the VoIP terminal 470 is not authenticated (630), the financial institution server 435 transmits the virtual financial terminal error information to the VoIP terminal 470 through the secure communication channel (635). In step 640, the end-to-end secure communication channel between the VoIP terminal 470 and the financial institution server 435 is released.

On the contrary, if the validity of the virtual financial terminal of the VoIP terminal 470 is authenticated (630), the financial institution server 435 transmits the virtual financial terminal authentication information to the VoIP terminal 470 through the secure communication channel (645). In response, the VoIP terminal 470 performs a financial transaction procedure corresponding to a virtual financial terminal (eg, a virtual CD / ATM) according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. do.

7 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal 470 according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates the VoIP terminal 470 of the financial terminal server 435 shown in FIG. 4 through the virtual financial terminal recognition process of FIG. 6 from the VoIP terminal 470 of FIG. When a virtual financial terminal is recognized as a virtual financial terminal, the process of deactivating the VoIP communication function (eg, VoIP-based voice call function, or VoIP-based data communication function) of the VoIP terminal 470, the present invention belongs to If one of ordinary skill in the art with reference to Figure 7 and / or modified to be able to infer various implementation methods for the process of deactivating the VoIP communication function of the VoIP terminal 470, the present invention is It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the VoIP terminal 470 shown in FIG. 3 is connected to the financial institution server 435 and the secure communication channel through the secure communication channel connection process shown in FIG. Through the virtual financial terminal recognition process, the VoIP terminal 470 is recognized as a virtual financial terminal by the financial company server 435 shown in FIG. 4, and the virtual financial terminal function of the VoIP terminal 470 by the security module. Check whether it is activated (for example, whether the virtual financial terminal authentication information is received from the financial institution server 435) (700).

If it is confirmed that the virtual financial terminal function of the VoIP terminal 470 is activated (705), the VoIP terminal 470 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP) of the VoIP terminal 470. Based data communication function) to be deactivated (710).

According to the exemplary embodiment of the present invention, deactivating the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 470 may be performed in addition to the communication function through the secure communication channel. It is desirable to include blocking all communication (eg, sending and receiving packets for voice call, or sending and receiving packets for data communication) through the VoIP terminal 470.

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 470 is deactivated (715), the VoIP terminal 470 may be a VoIP server (eg, a gateway, Or gatekeeper) and transmits the VoIP communication deactivation information (720), and correspondingly, the VoIP server recognizes that the VoIP terminal 470 is in a call through the VoIP communication deactivation information (725).

Hereinafter, an exemplary method of providing a non-face-to-face financial transaction by processing the VoIP terminal 470 into a virtual financial terminal (for example, a virtual CD / ATM) through the process illustrated in FIG. 8 through FIG. 11 will be described. Let's do it.

However, the process of providing the non-face-to-face financial transaction by treating the VoIP terminal 470 with a virtual financial terminal (for example, a virtual CD / ATM) is not limited to the implementation method illustrated in FIGS. 8 to 11 below. The process of providing the non-face-to-face financial transaction by treating the VoIP terminal 470 as a virtual financial terminal may be based on a non-face-to-face financial transaction procedure (e.g., interface output order and specialized processing method) included in the security module. Various modifications can be provided according to the present invention, and the present invention is characterized by including all the inferred non-face-to-face financial transaction procedures.

For example, in the following method of FIG. 8 to FIG. 11, after outputting the card information reading interface and the password input interface, the financial transaction type selection interface is performed, and the transaction information input interface according to the financial transaction type is sequentially performed. It shows an embodiment of the output method.

However, those skilled in the art to which the present invention pertains may refer to and / or modify the implementation method illustrated in FIG. 8 to FIG. 11 below to convert the VoIP terminal 470 into a virtual financial terminal (eg, It will be possible to infer various implementation methods for providing non-face-to-face financial transactions by treating them with virtual CD / ATM, and the present invention is characterized by including all the inferred non-face-to-face financial transactions procedures.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may output the financial transaction type selection interface by referring to and / or modifying the implementation method illustrated in FIGS. A method of sequentially outputting the transaction information input interface, the card information reading interface, and the password input interface according to a type, or after outputting the card information reading interface, the password input interface, and the financial transaction type selection interface; A method of sequentially outputting a transaction information input interface according to a type, or after outputting the card information reading interface and the financial transaction type selection interface, sequentially outputting a transaction information input interface and a password input interface according to the financial transaction type. doing The time method may be inferred, and in addition to the above-described method, another method (for example, an method of integrating and outputting two or more interfaces in one screen output means) may be inferred. It is characterized by including all the inferred non-face-to-face financial transaction procedures.

8 is a diagram illustrating a first process of processing a non-face-to-face financial transaction by treating the VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 8, the VoIP terminal 470 illustrated in FIG. 3 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process illustrated in FIG. After the VoIP communication function of the VoIP terminal 470 is deactivated through the VoIP communication function deactivation process shown in FIG. 7, the VoIP terminal 470 reads card information according to the non-face-to-face financial transaction control of the security module. After inputting a password, a method of generating a transaction request message including the card information and the password and transmitting the same to the financial institution server 435 through a secure communication channel is shown in the art. Those skilled in the art can refer to and / or modify this drawing 8 to process the VoIP terminal 470 as a virtual financial terminal for a first process of processing non-face-to-face financial transactions. The method can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the VoIP terminal 470 shown in FIG. 3 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process shown in FIG. After the VoIP communication function of the VoIP terminal 470 is deactivated through the VoIP communication function deactivation process illustrated in FIG. 7, the VoIP terminal 470 is configured to control the non-face-to-face financial transaction corresponding to the virtual financial terminal function of the security module. Accordingly, the card information reading interface is output to the screen output means, and it is checked whether card information is read through a card reader based on the card information reading interface (800).

If the card information is read through the card reader based on the card information reading interface (805), the VoIP terminal 470 is the card reader in accordance with the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module In operation 810, the validity of the read card information is checked.

Here, the validity check of the card information, the card information (or account information) that can be non-face-to-face financial transactions through the VoIP terminal 470 (for example, opened in a specific bank) It may be desirable to include authenticating whether the card information (or account information) associated with the customer account is included.

If the validity check on the read card information is not authenticated (815), the VoIP terminal 470 outputs card information reading error information to the screen output means (820), and outputs the card information reading interface. Repeat the process.

On the other hand, if the validity check for the read card information is authenticated (815), the VoIP terminal 470 is a password input interface to the screen output means according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module Outputs and confirms whether a password is input through the password input interface (825).

If a password is input through a key input based on the password input interface (830), the VoIP terminal 470 is connected to the input password according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. Check the validity (835).

In this case, the validity check of the password may include verifying whether the password includes a password system (eg, a 4-digit password) corresponding to the read card information (or account information).

If the validity check for the input password is not authenticated (840), the VoIP terminal 470 outputs password input error information to the screen output means (845), and repeats the process of outputting the password input interface. do.

On the other hand, if the validity check for the input password is authenticated (840), the VoIP terminal 470 is a specialized processing for the card information and password according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module After performing the non-face-to-face financial transaction, or processing the non-face-to-face financial transaction without specialized processing of the card information and password.

If performing the specialized processing for the card information and password (850), the VoIP terminal 470 after performing the specialized processing for the card information and password as shown in Figure 9 to Figure 10 When performing the face-to-face financial transaction process, and does not perform the specialized processing for the card information and password (850), the VoIP terminal 470 is the card information and password as shown in FIGS. Process the non-face-to-face financial transactions without specialized processing

9 is a diagram illustrating a second process of processing a non-face-to-face financial transaction by treating the VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates the secure communication channel in the VoIP terminal 470 shown in FIG. 3 when performing the specialized processing of the card information and the password in the non-face-to-face financial transaction process shown in FIG. Generate and send a transaction request message including the card information and the password to the financial company server 435 shown in FIG. 4 and include account information validation information through the card information and the password from the financial company server 435. After receiving the full ledger response message, the method for outputting the financial transaction type selection interface and the transaction information input interface is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or modified to process the VoIP terminal 470 as a virtual financial terminal for a second process of processing non-face-to-face financial transactions. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 9, in the non-face-to-face financial transaction process illustrated in FIG. 8, when the specialized processing of the card information and the password is performed, the VoIP terminal 470 may correspond to the virtual financial terminal function of the security module. In accordance with the non-face-to-face financial transaction control, a transaction request message including the card information and a password is generated and transmitted to the financial institution server 435 through the secure communication channel (900). In response, the financial institution server 435 The ledger process is performed on the card information and password included in the transaction request text in association with the financial system storing the ledger information corresponding to the card information (905).

Here, the ledger processing for the card information and the password may be performed including checking the validity of the account associated with the card information by checking the validity of the card information and the password.

If the ledger processing for the card information and password is performed (910), the financial institution server 435 is a full ledger response message corresponding to the ledger processing result (e.g., account validation results through the card information and password). Create 915.

According to the implementation method of the present invention, when the account validity is confirmed through the card information and the password, the ledger response text is preferably made to include the account information confirmed the account validity, can be omitted according to the intention of those skilled in the art Do.

Thereafter, the financial institution server 435 transmits the ledger response message to the VoIP terminal 470 through the secure communication channel (920). In response, the VoIP terminal 470 receives and reads the ledger response message. By checking the card validity through the card information and password (925).

If the account validity is not confirmed through the card information and the password (930), the VoIP terminal 470 outputs the account validity error information (935), and releases the secure communication channel connected to the financial institution server (435). (940).

On the other hand, if the account validity through the card information and password is confirmed (930), the VoIP terminal 470 outputs a financial transaction type selection interface according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module and In operation 945, the financial transaction type selection information is input through the financial transaction type selection interface.

If it is confirmed that the financial transaction type selection information is input through the financial transaction type selection interface (950), the VoIP terminal 470 according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The validity of the input financial transaction type selection information is checked (955).

Here, the validity check on the financial transaction type selection information may include non-face-to-face financial transactions (eg, cash withdrawal transactions) corresponding to the financial transaction type selection information through a customer account corresponding to the read card information (or account information). , Foreign currency remittance transactions, bank transfer transactions, etc.).

If the validity of the input financial transaction type selection information is not confirmed (960), the VoIP terminal 470 outputs the financial transaction type selection error information to the screen output means (965), and the financial transaction type selection interface Repeat the process to print.

On the other hand, if the validity of the input financial transaction type selection information is confirmed (960), the VoIP terminal 470 corresponding to the financial transaction type according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module The transaction information input interface is output (970).

10 is a diagram illustrating a third process of processing a non-face-to-face financial transaction by treating the VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a financial transaction process after the transaction information input interface is output on the VoIP terminal 470 screen through the non-face-to-face financial transaction process illustrated in FIG. 9. Those skilled in the art may refer to and / or modify the drawing 10 to process the third terminal for processing non-face-to-face financial transactions by treating the VoIP terminal 470 as a virtual financial terminal. Although it can be inferred, the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 10, if a transaction information input interface is output on the VoIP terminal 470 screen through the non-face-to-face financial transaction process illustrated in FIG. 9, the VoIP terminal 470 may be connected to the virtual financial terminal function of the security module. In operation 1000, the transaction information corresponding to the financial transaction type is input through the transaction information input interface according to the corresponding non-face-to-face financial transaction control.

If it is confirmed that transaction information corresponding to the financial transaction type is input through the transaction information input interface (1005), the VoIP terminal 470 controls the non-face-to-face financial transaction corresponding to the virtual financial terminal function of the security module. According to 1010, the validity of the input transaction information is checked.

Here, the validity check of the transaction information, non-face-to-face financial transactions (eg, cash withdrawal transactions, foreign currency remittance transactions, accounts) corresponding to the transaction information through a customer account corresponding to the read card information (or account information) It is preferable to include authenticating whether a transfer transaction or the like is possible.

If the validity of the input transaction information is not confirmed (1015), the VoIP terminal 470 outputs the transaction information input error information to the screen output means (1020), and outputs the transaction information input interface. Repeat.

On the other hand, if the validity of the input transaction information is confirmed (1015), the VoIP terminal 470 is the account information and the confirmed validity according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module A transaction request message including transaction information corresponding to a financial transaction type is generated and transmitted to the financial company server 435 through the secure communication channel (1025).

According to another exemplary embodiment of the present invention, the VoIP terminal 470 generates a full transaction request message including the card information, the password, and the transaction information corresponding to the financial transaction type, and transmits the financial institution server through the secure communication channel. 435), and the present invention is not limited thereto.

Thereafter, the financial company server 435 performs the ledger process (eg, financial transaction process) corresponding to the full transaction request in association with the financial system (1030).

Here, when the financial transaction type is limited to the current transaction, the ledger processing corresponding to the full transaction request is preferably completed through the ledger processing through the financial system of the financial company. If included, the ledger processing corresponding to the transaction request full text is preferably completed through the processing of the general ledger through the financial system of the financial company, and through the other ledger processing through another financial system connected through the financial system and the financial common network. Do.

If ledger processing (eg, financial transaction processing) corresponding to the transaction request text is performed (1035), the financial institution server 435 may complete the transaction result text corresponding to the ledger processing result (eg, financial transaction processing result). Generate (1040), transmit the generated transaction result text to the VoIP terminal 470 through the secure communication channel (1045), and in response, the VoIP terminal 470 receives and reads the transaction result text; The screen is output (1050), and the secure communication channel connected to the financial institution server (435) is released (1055).

11 is a diagram illustrating a fourth process of processing a non-face-to-face financial transaction by treating the VoIP terminal 470 as a virtual financial terminal according to an embodiment of the present invention.

In detail, FIG. 11 illustrates a non-face-to-face display by outputting the financial transaction type selection interface and transaction information input interface when the non-face-to-face financial transaction process shown in FIG. As a diagram illustrating a process of processing a financial transaction, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the diagram 11 to process the VoIP terminal 470 as a virtual financial terminal. It will be possible to infer various implementation methods for the fourth process of processing non-face-to-face financial transactions, but the present invention includes all the implementation methods inferred, the technical features only by the implementation method shown in FIG. This is not limited.

Referring to FIG. 11, when the non-face-to-face financial transaction shown in FIG. 8 does not perform the specialized processing for the card information and the password, the VoIP terminal 470 corresponds to the virtual financial terminal function of the security module. The financial transaction type selection interface is output according to the non-face-to-face financial transaction control, and it is checked whether the financial transaction type selection information is input through the financial transaction type selection interface (1100).

If it is confirmed that the financial transaction type selection information is input through the financial transaction type selection interface (1105), the VoIP terminal 470 may be controlled according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The validity of the input financial transaction type selection information is checked (1110).

Here, the validity check on the financial transaction type selection information may include non-face-to-face financial transactions (eg, cash withdrawal transactions) corresponding to the financial transaction type selection information through a customer account corresponding to the read card information (or account information). , Foreign currency remittance transactions, bank transfer transactions, etc.).

If the validity of the input financial transaction type selection information is not confirmed (11615), the VoIP terminal 470 outputs the financial transaction type selection error information to the screen output means (1120), and sends the financial transaction type selection interface. Repeat the process.

On the other hand, if the validity of the input financial transaction type selection information is confirmed (1115), the VoIP terminal 470 corresponds to the financial transaction type according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. Outputs a transaction information input interface (1125), and checks whether transaction information corresponding to the financial transaction type is input through the transaction information input interface according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module (1125). 1130).

If it is confirmed that transaction information corresponding to the financial transaction type is input through the transaction information input interface (1135), the VoIP terminal 470 controls the non-face-to-face financial transaction corresponding to the virtual financial terminal function of the security module. In accordance with the check the validity of the input transaction information (1140).

Here, the validity check of the transaction information, non-face-to-face financial transactions (eg, cash withdrawal transactions, foreign currency remittance transactions, accounts) corresponding to the transaction information through a customer account corresponding to the read card information (or account information) It is preferable to include authenticating whether a transfer transaction or the like is possible.

If the validity of the input transaction information is not confirmed (1145), the VoIP terminal 470 outputs transaction information input error information to a screen output means (1150), and outputs the transaction information input interface. Repeat.

On the other hand, if the validity of the input transaction information is confirmed (1145), the VoIP terminal 470 is the card information and password and the financial transaction in accordance with the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module The transaction request message including the transaction information corresponding to the type is generated and transmitted to the financial institution server 435 through the secure communication channel (1155).

Thereafter, the financial institution server 435 performs ledger processing (eg, financial transaction processing) corresponding to the full transaction request message in connection with the financial system in FIG. 10 (1030).

Here, when the financial transaction type is limited to the current transaction, the ledger processing corresponding to the full transaction request is preferably completed through the ledger processing through the financial system of the financial company. If included, the ledger processing corresponding to the transaction request full text is preferably completed through the processing of the general ledger through the financial system of the financial company, and through the other ledger processing through another financial system connected through the financial system and the financial common network. Do.

If ledger processing (eg, financial transaction processing) corresponding to the transaction request text is performed (1035), the financial institution server 435 may complete the transaction result text corresponding to the ledger processing result (eg, financial transaction processing result). Generate (1040), transmit the generated transaction result text to the VoIP terminal 470 through the secure communication channel (1045), and in response, the VoIP terminal 470 receives and reads the transaction result text; The screen is output (1050), and the secure communication channel connected to the financial institution server (435) is released (1055).

12 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal 470 according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates the virtual finance of the VoIP terminal 470 through the process illustrated in FIG. 9 or FIG. 10 after the VoIP communication function of the VoIP terminal 470 is deactivated through the process illustrated in FIG. When the non-face-to-face financial transaction through the terminal function is completed or the secure communication channel between the VoIP terminal 470 and the financial institution server 435 is released, and when the non-face-to-face financial transaction is completed (or secure communication channel release), As a process for activating a VoIP communication function (eg, a VoIP based voice call function or a VoIP based data communication function) of the VoIP terminal 470, those skilled in the art to which the present invention pertains, Although various implementation methods for the process of activating the VoIP communication function of the VoIP terminal 470 may be inferred by referring to FIG. 12 and / or modified, the present invention infers the above. Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 12.

Referring to FIG. 12, after the VoIP communication function of the VoIP terminal 470 is deactivated through the process illustrated in FIG. 7, the virtual financial terminal of the VoIP terminal 470 through the process illustrated in FIG. 9 or FIG. 10. In step 1200, the non-face-to-face financial transaction through the function is completed or the secure communication channel between the VoIP terminal 470 and the financial institution server 435 is released.

If it is confirmed that the non-face-to-face financial transaction is completed (or secure communication channel release) (1205), the VoIP terminal 470 is a VoIP communication function of the VoIP terminal 470 (eg, VoIP-based voice call function, Or VoIP based data communication function) (1210).

According to the exemplary embodiment of the present invention, the activation processing of the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 470 may be performed by all communication through the VoIP terminal 470. (E.g., packet transmission / reception for a voice call, or packet transmission / reception for a data communication).

If a VoIP communication function (eg, a VoIP based voice call function or a VoIP based data communication function) of the VoIP terminal 470 is activated (1215), the VoIP terminal 470 may be a VoIP server (eg, a gateway, Or transmits the VoIP communication activation information to the gatekeeper (1220), and in response, the VoIP server recognizes that the VoIP terminal 470 can make a voice call (or send and receive a message) through the VoIP communication activation information. 1225, the original VoIP communication function provided in the VoIP terminal 470 is restored.

According to the present invention, after having a card reader and a CD / ATM-based security module in the VoIP terminal, using the possession of the customer card through the card reader as a customer authentication means, subscriber authentication through a communication company provided in the VoIP terminal By activating the CD / ATM-based security module provided in the VoIP terminal based on the characteristics to process it to be recognized as a virtual CD / ATM device, there is an advantage to provide convenient and secure non-face-to-face financial transactions without a separate certificate.

1 is a diagram illustrating a VoIP subscription system for providing non-face-to-face financial transactions based on CD / ATM through VoIP according to an embodiment of the present invention.

2 is a diagram illustrating a VoIP subscription process for providing CD / ATM-based non-face-to-face financial transactions through VoIP according to an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a VoIP terminal having a CD / ATM based non-face-to-face financial transaction function through VoIP according to an embodiment of the present invention.

4 is a diagram illustrating a CD / ATM based non-face-to-face financial transaction system through VoIP according to an embodiment of the present invention.

5 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal and a financial institution server according to an embodiment of the present invention.

6 is a diagram illustrating a process of processing a VoIP terminal to be recognized as a virtual financial terminal according to an embodiment of the present invention.

7 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

8 is a diagram illustrating a first process of processing a non-face-to-face financial transaction by treating a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

9 is a diagram illustrating a second process of processing a non-face-to-face financial transaction by treating a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a third process of processing a non-face-to-face financial transaction by treating a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

11 is a diagram illustrating a fourth process of processing a non-face-to-face financial transaction by treating a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

12 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP subscription server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

130: information transmission unit 135: storage medium

140: VoIP server 145: subscription processing terminal

150: VoIP terminal

Claims (3)

In the financial transaction method via a VoIP terminal having a key input means, a screen output means and a card reader, Transmitting security module information and VoIP terminal information corresponding to a security module provided in the VoIP terminal to a server on a communication network to control a non-face-to-face financial transaction through the card reader; Receiving virtual financial terminal activation information corresponding to the security module information and the VoIP terminal information from a server on the communication network; Activating a virtual financial terminal function-a virtual cash dispenser / automatic teller machine (CD / ATM) function of the security module through the virtual financial terminal activation information; Connecting an end-to-end secure communication channel based on encryption / decryption with a financial institution server according to the non-face-to-face financial transaction control of the security module; Transmitting virtual financial terminal information provided in the security module to a financial institution server through the secure communication channel according to a non-face-to-face financial transaction control of the security module, so that the VoIP terminal is recognized as a virtual financial transaction terminal; And According to the non-face-to-face financial transaction control of the security module, a non-face-to-face financial transaction interface-a financial transaction interface corresponding to a CD / ATM transaction procedure-is output to the screen output means, and the card reader is executed based on the non-face-to-face financial transaction interface. Reading the customer card information, and inputs and processes the financial transaction type selection information and one or more transaction information corresponding to the selected financial transaction type through the key input means; and the read the customer card information, the financial transaction type selection information, and the financial Generating a full text including one or more transaction information corresponding to a transaction type, and transmitting the non-face-to-face financial transaction to the financial institution server through the end-to-end secure communication channel; Financial transaction method through a VoIP terminal having a terminal function. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In a VoIP terminal having a key input means, a screen output means and a card reader, An information transmitter for transmitting security module information and VoIP terminal information corresponding to the security module provided in the VoIP terminal to a server on a communication network to control a non-face-to-face financial transaction through the card reader; An information receiver configured to receive virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network; Activate the virtual financial terminal function of the security module through the virtual financial terminal activation information, and control the connection between the financial company server and the end-to-end secure communication channel based on encryption / decryption according to the non-face-to-face financial transaction control of the activated security module. And outputting the non-face-to-face financial transaction interface to the screen output means according to the non-face-to-face financial transaction control of the activated security module, and controlling to read the customer card information through the card reader based on the non-face-to-face financial transaction interface. And inputting at least one financial transaction type selection information and transaction information corresponding to the selected financial transaction type through a key input means, and corresponding to the read customer card information, financial transaction type selection information, and the financial transaction type. To create a full text message containing one or more transaction information The end-to-end If over a secure communication channel to send to the control bank server, and the non-face-to-face financial transaction is completed, the virtual financial terminal control to disable the security module; And When the VoIP terminal is processed as a virtual financial transaction terminal, deactivates the VoIP call function of the VoIP terminal, controls the VoIP terminal to be recognized as being in communication with a VoIP server on a communication network, and when the non-face-to-face financial transaction ends. And a VoIP communication control unit for restoring the VoIP call function and controlling the VoIP call to be recognized as being capable of a voice call to the VoIP terminal in connection with a VoIP server on a communication network. Terminal.