KR20100010872A

KR20100010872A - Method for inquiring real-time transaction by voip terminal, voip terminal and recording medium

Info

Publication number: KR20100010872A
Application number: KR1020080071945A
Authority: KR
Inventors: 정종필; 최수진
Original assignee: 주식회사 신한은행
Priority date: 2008-07-23
Filing date: 2008-07-23
Publication date: 2010-02-02

Abstract

PURPOSE: A real time deal inquiring method, a VoIP terminal, and a recording media for the same through a VoIP terminal are provided to safely inquire transaction about inquiry object accounts by mounting Widget. CONSTITUTION: A virtual financial terminal function of a VoIP terminal is activated. The VoIP terminal inactivates the VoIP telecommunication function. The VoIP terminal transmits the VoIP communications inactive information with the VoIP server of on communications network. The real time deal history inquiry request information is generated(810). The VoIP terminal generates a transaction request statement including the real time deal history inquiry request information through the Widget program based on the real time deal breakdown inquiry control information(815).

Description

Method for Inquiring Real-time Transaction by VoIP Terminal, VoIP Terminal and Recording Medium}

1 is a diagram illustrating a VoIP subscription system for providing virtual CD / ATM based non-face-to-face financial transactions and real-time transaction history inquiry through VoIP according to an embodiment of the present invention.

2A and 2B illustrate a VoIP subscription process for providing a virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history inquiry through VoIP according to an embodiment of the present invention.

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

4 is a diagram illustrating a virtual CD / ATM based 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 to query a real-time transaction history linked to a virtual CD / ATM function through VoIP 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 process of requesting real-time transaction history interworking with a virtual CD / ATM function through VoIP according to an embodiment of the present invention.

9 is a diagram illustrating a process of querying a real-time transaction history interworking with a virtual CD / ATM function through VoIP according to an embodiment of the present invention.

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

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

The present invention includes a key input means, a screen output means, and a card reader, and a non-face-to-face finance using a virtual financial terminal through the card reader, including at least one CD (Cash Dispenser) or ATM (Automatic Teller Machine). Through a VoIP terminal having a security module for controlling a transaction, and a memory unit for storing the real-time transaction history inquiry control information for controlling the real-time lookup of the transaction history for the at least one inquiry target account through the control of the security module In the real-time transaction inquiry method, activating a real-time transaction history inquiry function for the above-mentioned inquiry target account through the control of the security module, and at least one inquiry target account based on real-time transaction history inquiry control information stored in the memory unit Generating real-time transaction history inquiry request information for the virtual module of the security module; The virtual terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server to control the VoIP terminal to be recognized as a virtual financial transaction terminal. And transmitting the real-time transaction history inquiry request information to a financial institution server through the secure communication channel according to the control of the virtual financial terminal function of the security module, and corresponding to the real-time transaction history inquiry request information from the financial institution server. The present invention relates to a real-time transaction inquiry method through a VoIP terminal, which comprises receiving the inquiry result information and outputting the same through the screen output means.

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, a virtual financial terminal-a CD (Cash Dispenser), ATM (Automatic Teller Machine) through the card reader Security module for controlling non-face-to-face financial transactions using the above-function, and stores the real-time transaction history inquiry control information for controlling the real-time inquiry of the transaction history for one or more set of inquiry target account through the control of the security module A VoIP terminal having a memory unit, comprising: a real-time inquiry control unit for activating a real-time transaction history inquiry function for an inquiry target account through control of the security module, and based on real-time transaction history inquiry control information stored in the memory unit; Information generation unit for generating real-time transaction history inquiry request information for one or more inquiry target account And transmitting the generated real-time transaction history inquiry request information to the financial institution server through the secure communication channel, and receiving transaction history information corresponding to the real-time transaction history inquiry request information from the financial institution server through the screen output means. An object of the present invention is to provide a VoIP terminal having a real-time transaction inquiry function including a specialized processing unit for outputting.

The real-time transaction inquiry method through the VoIP terminal according to the present invention includes a key input means, a screen output means and a card reader, and a virtual financial terminal-CD (Cash Dispenser) and ATM (Automatic Teller Machine) through the card reader. Includes one or more-security module for controlling non-face-to-face financial transactions using the function, and real-time transaction history inquiry control information for controlling the real-time inquiry of the transaction history for one or more set of inquiry target account through the control of the security module In the real-time transaction inquiry method through a VoIP terminal having a memory unit for storing the step, activating the real-time transaction history inquiry function for the above-mentioned account to be controlled through the control of the security module, and real-time transaction history stored in the memory unit Real-time transaction history query request information for one or more accounts to be viewed based on the query control information And transmitting the virtual financial terminal information provided in the security module to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server according to the control of the virtual financial terminal function of the security module. Processing the terminal to be recognized as a virtual financial transaction terminal; transmitting the real-time transaction history inquiry request information to a financial institution server through the secure communication channel according to the control of the virtual financial terminal function of the security module; And receiving the inquiry result information corresponding to the real-time transaction history inquiry request information from a server and outputting the same through the screen output means.

The method may further include transmitting security module information and VoIP terminal information to a server on a communication network, and receiving virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network to activate a virtual financial terminal function. And connecting an end-to-end secure communication channel based on encryption / decryption with the financial institution server according to the control of the virtual financial terminal function of the security module.

According to the present invention, a server on the communication network includes a VoIP communication company server connected to the VoIP terminal, or a relay server for relaying the VoIP terminal and the financial company server, or non-face to the VoIP terminal. It characterized in that it comprises a financial company server for processing financial transactions.

According to the present invention, the security module, the financial terminal server connected to the VoIP terminal and the end-to-end secure communication channel virtual financial financing of the VoIP terminal in accordance with the financial terminal operation procedures and policies for each financial institution set in each financial institution Virtual financial terminal information to be recognized as a terminal, non-face-to-face financial transaction control information for controlling the VoIP terminal to process non-face-to-face financial transactions according to the financial terminal operation procedures and policies for each financial institution, and the non-face-to-face financial transaction control information The non-face-to-face financial transaction authentication function for authenticating each of the non-face-to-face financial transaction steps through the VoIP terminal and at least one key value and protocol for the non-face-to-face financial transaction authentication.

According to the present invention, the real-time transaction history inquiry request information, real-time inquiry on the transaction history for one or more accounts determined by the VoIP terminal user, or real-time inquiry of the card company approval history corresponding to the VoIP terminal user, or VoIP terminal user Characterized in that it comprises information for real-time inquiry of the bank account deposit history corresponding to the.

The present invention includes a computer-readable recording medium characterized by recording a program for executing a real-time transaction inquiry method through the above-described VoIP terminal.

The VoIP terminal having a real time transaction inquiry function according to the present invention includes a key input means, a screen output means and a card reader, and a virtual financial terminal-CD (Cash Dispenser) and ATM (Automatic Teller Machine) through the card reader. Including at least one)-a security module for controlling non-face-to-face financial transactions using the function, and real-time transaction history inquiry control for controlling the real-time inquiry of the transaction history for one or more set of inquiry target account through the control of the security module A VoIP terminal having a memory unit for storing information, the VoIP terminal comprising: a real-time inquiry control unit for activating a real-time transaction history inquiry function for an inquiry target account through control of the security module; and real-time transaction history inquiry control information stored in the memory unit To generate real-time transaction history query request information for one or more of the target accounts Sending the real-time transaction history inquiry request information to the financial institution server through the beam generating unit, the secure communication channel, and receives the transaction history information corresponding to the real-time transaction history inquiry request information from the financial institution server outputs the screen It includes a specialized processing unit for outputting through the means.

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 thereof 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. That is, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional component provided in at least one or more servers (or terminals), or At least one may be a combination of at least two 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.

In more detail, Figure 1 is a Voice over Internet Protocol (VoIP) or Internet telephone subscription customer provided with a key input means, a screen output means and a card reader, a virtual financial terminal (eg, CD (Cash Dispenser) through the card reader Purchase (or receive) a VoIP terminal 150 having a security module for controlling non-face-to-face financial transactions using the ATM (including at least one automatic teller machine) function, and for the VoIP terminal 150 In the VoIP subscription process, if the subscription processing terminal 145 provides 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 in the VoIP system The subscription information is stored in the storage medium 135 provided on the VoIP system, and the virtual terminal activation information for the security module corresponding to the security module information is generated to generate the VoIP terminal 15. 0), the virtual storage terminal activation information is further linked to the storage medium 135 and stored in the storage medium 135, and the VoIP terminal 150 is connected to the virtual financial terminal function in real time. CD / ATM-based non-face-to-face financial transactions through the VoIP terminal 150 by storing widget information corresponding to the widget program for transaction details and one or more inquiry target account information in the storage medium 135 The configuration of the VoIP subscription system for processing to provide a real-time transaction history query, and those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 1 and the virtual CD / ATM over the VoIP Various implementation methods may be inferred for the configuration of the VoIP subscription system that provides the based non-face-to-face financial transactions and real-time transaction details. Includes any method embodiment, it shall not be limited to the exemplary method shown in the figure 1.

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 virtual CD / ATM-based non-face-to-face financial transactions and real-time transaction history over VoIP according to the present invention includes at least one subscription connected to a communication network. A processing unit 145 and VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information transmitted from the subscription processing terminal 145, and corresponding to the security module information; A storage medium 135 which further stores and stores virtual financial terminal activation information for a security module, and is connected to the subscription processing terminal 145 through a communication network and receives and stores the VoIP subscription information transmitted through the communication network. And store virtual media terminal activation information for the security module corresponding to the security module information in the storage medium 135. Is characterized in that it comprises a VoIP subscription server 100, the storage medium 135, if the VoIP terminal 150 has a widget program for real-time transaction history inquiry associated with the virtual financial terminal function is mounted; It is preferable to associate and store widget information corresponding to the widget program provided in the VoIP terminal 150 and one or more inquiry target account information for inquiring real-time transaction details through the widget.

Here, the inquiry target account, preferably comprises one or more real accounts, virtual accounts, online accounts determined by the user of the VoIP terminal 150, the VoIP terminal 150 is provided in a merchant (or store) In this case, it is preferable that the inquiry target account includes one or more accounts in which credit card authorization details are recorded in the ledger, and accounts in which the bank account deposit details are recorded in the ledger corresponding to the sales of the affiliated stores (or stores).

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 providing a virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history through the VoIP is the customer information transmitted from the subscription processing terminal 145. And stores VoIP subscription information including at least one VoIP terminal 150 information and security module information, and further stores the 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, an IP address, etc.) 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 is activated by the security module provided in the VoIP terminal 150 and the VoIP terminal 150 is recognized as a virtual financial terminal (for example, CD / ATM (Cash Dispenser / Automatic Teller Machine)) and Information to be processed to operate, including one or more verification (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, etc. that are read (or authenticated) by the security module It is preferable.

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.

Referring to FIG. 1, when the VoIP subscription server 100 is equipped with a widget program for real-time transaction history inquiry associated with the virtual financial terminal function in the VoIP terminal 150 provided with the virtual financial terminal activation information, An information receiving unit 115 for receiving widget information corresponding to the widget program and at least one inquiry target account information for inquiring a real-time transaction history through the widget from the subscription processing terminal 145 (or the VoIP terminal 150); And an information storage unit 125 which stores the stored widget information in the storage medium 135 in association with the received widget information and at least one inquiry target account information.

If the VoIP terminal 150 provided with the virtual financial terminal activation information is equipped with a widget program for real-time transaction history inquiry associated with the virtual financial terminal function, the information receiving unit 115 is the subscription processing terminal 145 ( Or receiving from the VoIP terminal 150 widget information corresponding to the widget program (for example, widget program information, widget access ID / PW information, etc.) and one or more inquiry target account information for inquiring real time transaction details through the widget. Characterized in that.

According to an exemplary embodiment of the present invention, the widget program is basically provided in the VoIP terminal 150 for payment affiliates requiring real-time transaction history inquiry associated with payment, or real-time transaction history inquiry for the inquiry target account. It is preferable that a customer who needs a service card downloaded from a program providing server (not shown) on the communication network and mounted on the VoIP terminal 150.

When the widget information and one or more inquiry target account information are received through the information receiver 115, the information storage unit 125 associates the received widget information with one or more inquiry target account information to the storage medium 135. It is characterized by storing.

Here, the storage medium 135 for storing the widget information in association with one or more inquiry target account information may be the same as or different from the storage medium 135 for storing the VoIP subscription information, and thus the present invention is not limited thereto. No.

In more detail, FIGS. 2A and 2B show that the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. 1 is connected to the VoIP subscription server 100 through the communication network with the customer information and the VoIP terminal 150 information. When the VoIP subscription information including at least one security module information is transmitted, the VoIP subscription server 100 stores the VoIP subscription information in a storage medium 135 and stores a virtual information about the security module corresponding to the security module information. After generating and providing financial terminal activation information to the VoIP terminal 150, the virtual medium terminal activation information is further linked to the storage medium 135 and stored in the storage medium 135, but the VoIP terminal 150 ) Further connects the widget information corresponding to the widget program for real-time transaction history inquiry associated with the virtual financial terminal function and one or more inquiry target account information to the storage medium 135. As a person of ordinary skill in the art to which the present invention pertains, a virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction through the VoIP by referring to and / or modifying the drawings 2a and 2b. Various implementation methods for the VoIP subscription process for providing a detail inquiry may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 2A and 2B.

2A and 2B, 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 on the VoIP subscription information registration system shown in FIG. 145 is referred to as a "terminal" for convenience.

2A and 2B, a terminal on the VoIP subscription information registration system shown in FIG. 1 accesses the server through the communication network to perform virtual CD / ATM-based non-face-to-face financial transactions and real-time transaction history inquiry through VoIP. Connect a communication channel for providing VoIP subscription (200).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the communication network through a browser program corresponding to the communication network based on the virtual CD / ATM based on the VoIP Since you will be familiar with the technical features of connecting communication channels for VoIP subscriptions that provide non-face-to-face financial transactions and real-time transaction details, detailed descriptions thereof will be omitted for convenience.

When the communication channel for VoIP subscription providing virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history inquiry through VoIP is connected between the terminal and the server as described above, the terminal connects the server to the server through the communication channel. Request an interface screen for VoIP subscription providing virtual CD / ATM based non-face-to-face financial transaction and real-time transaction history through VoIP (205), and correspondingly, the server requests the customer information and VoIP terminal 150 from the terminal. Generate (or extract) an interface screen including a user interface for inputting (or selecting) VoIP subscription information including at least one information and security module information (210), and generating (or extracting) the interface screen. It 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).

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).

Thereafter, the server checks whether the widget information corresponding to the widget program and at least one inquiry target account information for inquiring real-time transaction details are received through the widget from the terminal (or the VoIP terminal 150 having the widget program). (260).

If the widget information and the inquiry target account information are received (265), the server stores the widget information in association with the one or more inquiry target account information in the storage medium 135 (270).

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

In more detail, FIG. 3 includes a key input means, a screen output means, and a card reader, and includes a virtual financial terminal (eg, a CD (Cash Dispenser) and at least one Automatic Teller Machine (ATM)) through the card reader. In the VoIP terminal 300 having a security module 340 for controlling a non-face-to-face financial transaction using a function, the virtual terminal via VoIP based on the card reader and key input means, screen output means and security module 340 A CD / ATM-based non-face-to-face financial transaction function is provided, and a widget program (for example, a program operating in conjunction with a virtual CD / ATM function provided in the VoIP terminal 300) is provided in the VoIP terminal 300. The present invention relates to an implementation method for automatically inquiring (that is, real-time inquiry according to a predetermined cycle (or condition)) by interworking (or controlling) the virtual CD / ATM-based non-face-to-face financial transaction function. under Those skilled in the art may refer to and / or modify the drawing 3 and have other non-face-to-face financial transaction functions in addition to the virtual CD / ATM-based non-face-to-face financial transactions and real-time transaction details through the VoIP. Various additional function configurations for one VoIP terminal 300 can 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. No.

Referring to FIG. 3, the VoIP terminal 300 for virtual CD / ATM-based non-face-to-face financial transactions and real-time transaction history through VoIP basically includes a controller 305, a memory 330, and a card reader 310. And a key input unit 320, a screen output unit 315, a sound processor 325, a security module 340, and a power supply unit 345 for supplying power to the VoIP terminal 300. Connect the VoIP communication channel with the gateway (or gatekeeper) through the communication network connected to the terminal 300, or the financial company server 387 (or communication relay server 390) on the communication network connected to the VoIP terminal 300 And a communication processing unit 335 for connecting a communication channel for inquiring virtual CD / ATM based non-face-to-face financial transactions and real-time transaction details through VoIP, and at least one terminal function according to the intention of those skilled in the art. Wealth (not shown) It can be made of W, including.

The control unit 305 controls the overall operation of the VoIP terminal 300 in function configuration, manages the flow of information or data between each component, virtual CD / ATM based non-face-to-face financial transactions and real-time transactions through the VoIP At least one component interworking and controlling at least one component provided in the VoIP terminal 300 for the history inquiry function, and at least one including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. The processor and the execution memory (for example, register or RAM (Random Access Memory)) and a bus (BUS) for inputting and outputting a predetermined data, characterized in that it comprises a function specific to the VoIP terminal 300 by software A predetermined program routine that is loaded from a predetermined recording medium into the execution memory for execution and processed by the processor. (Routine) or program data (hence, a program recorded on a recording medium provided in the VoIP terminal 300 for a virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history function through the VoIP, or the Among the functional components provided in the VoIP terminal 300, the components that can be processed by software are shown in the control unit 305).

According to the exemplary embodiment of the present invention, the controller 305 may be configured with components (for example, the memory unit 330, the card reader 310, the key input unit 320, and the screen) provided in the VoIP terminal 300. The electronic payment service defined in the VoIP terminal 300 by interworking the output unit 315, the security module 340 and the communication processing unit 335, or a terminal function unit (not shown) according to the intention of a person skilled in the art. Control and manage the provision, as well as interworking control of the components provided in the VoIP terminal 300 for the virtual CD / ATM based non-face-to-face financial transactions and real-time transaction history via VoIP, or the VoIP It is preferable to execute a program recorded in a recording medium provided in the VoIP terminal 300 for inquiry of virtual CD / ATM based non-face-to-face financial transactions and real-time transaction details.

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 an embodiment of the present invention, the memory unit 330 is a financial company server (387) (or communication relay server 390) for the virtual CD / ATM-based non-face-to-face financial transactions and real-time transaction history through the VoIP In the preferably stored the security module 340 information for confirming the security module 340 provided in the VoIP terminal 300.

According to an embodiment of the present invention, the memory unit 330 is a card information (or account information) from the customer card through the card reader 310 for the virtual CD / ATM based non-face-to-face financial transactions via the VoIP The card information reading interface information for reading the card information reading interface for reading in conjunction with the screen output unit 315, the financial transaction item selection interface for selecting a financial transaction item through the key input unit 320 It is preferable to store the interface information including one or more financial transaction item selection interface information for output in association with the screen output unit 315, the authentication for processing the VoIP terminal 300 to be authenticated as a virtual financial terminal Virtual financial terminal authentication for outputting the virtual financial terminal authentication interface for inputting information in conjunction with the screen output unit 315 Preferably further stores interface information.

In particular, the card information reading interface is a case where the customer card is an IC card having a PIN (Personal Identification Number) authentication function or a card password authentication function provided in the customer card is provided in the VoIP terminal 300. In addition, it is preferable that the PIN input interface for inputting the PIN information (or card password) for the customer card is preferably made.

According to an exemplary embodiment of the present invention, the memory unit 330 may output transaction information input interface for virtual CD / ATM-based non-face-to-face financial transaction through VoIP in association with the screen output unit 315. It is desirable to store the input interface information.

According to an embodiment of the present invention, the memory unit 330 preferably stores real-time transaction history inquiry control information for controlling a real-time transaction history inquiry linked to the virtual CD / ATM function through the VoIP.

Here, the real-time transaction history inquiry control information preferably comprises macro information on the non-face-to-face financial transactions for transaction history inquiry of the virtual CD / ATM based non-face-to-face financial transactions via the VoIP.

For example, the real-time transaction history inquiry control information recognizes the VoIP terminal 300 as a virtual financial terminal according to the non-face-to-face financial transaction control of the security module 340, and connects a secure communication channel with a financial company server 387; Automatically selects a financial transaction item for inquiry of transaction details among virtual CD / ATM-based non-face-to-face financial transactions through VoIP, and automatically selects inquiry target account information for inquiry of transaction details (in the financial company server 387). O) when at least one inquiry target account information associated with the widget information is registered) and automatically set the inquiry period, and includes one or more inquiry target account information (optional), inquiry period information, and widget information in real time. It includes macro information for controlling transaction (or real time) transmission of the transaction history inquiry request information to the financial institution server 387 through the secure communication channel. It is to be preferred.

Here, the inquiry target account, preferably comprises one or more real accounts, virtual accounts, online accounts determined by the user of the VoIP terminal 300, the VoIP terminal 300 is provided in a merchant (or store) In this case, it is preferable that the inquiry target account includes one or more accounts in which credit card authorization details are recorded in the ledger, and accounts in which the bank account deposit details are recorded in the ledger corresponding to the sales of the affiliated stores (or stores).

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 the 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 an exemplary embodiment of the present invention, the card reader 310 may use card information (eg, a customer account) from a customer card through the card reader 310 for a virtual CD / ATM based non-face-to-face financial transaction through the VoIP. It is preferable to read the cash card information, debit card information, check card information associated with, or to read the account information (eg, real account number, virtual account number, online account number) to 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 signals) inputted from the device, and selects 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 the information (or 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 Obtains predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 300, or executes a predetermined function matched with 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 virtual CD / ATM based on the VoIP from the at least one key input device for the virtual CD / ATM based non-face-to-face financial transactions and real-time transaction history inquiry via the VoIP It is preferable to perform a function of a key input means for receiving at least one or more key data required in the base non-face-to-face financial transaction and real-time transaction history inquiry process.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 320 may change the operation mode of the VoIP terminal 300 through the virtual 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 inquiry based on non-face-to-face financial transactions and real-time 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 or received through at least one communication processor 335, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 300. ) At least one or more.

According to a preferred embodiment of the present invention, the screen output unit 315 is a virtual CD / ATM through the VoIP to the screen output device for the virtual CD / ATM based non-face-to-face financial transactions and real-time transaction history via the VoIP It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the non-face-to-face financial transactions and the real-time transaction history inquiry step.

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 the gateway (or gatekeeper), or the virtual CD through the VoIP. It is characterized by connecting the communication channel to the financial company server 387 (or communication relay server 390) on the communication network for non-face-to-face financial transactions and real-time transaction history inquiry.

The security module 340 is the confidentiality (Authentication) or authentication (Authentication) or integrity required in the process of the VoIP terminal 300 performs the virtual CD / ATM-based non-face-to-face financial transactions and real-time transaction history inquiry through the VoIP As a safety device for performing a security requirement, including (Integrity) or non-repudiation (Negrepudiation) in a secure and reliable structure within the VoIP terminal 300 without using an authentication server (not shown) on the communication network, Encrypt or decrypt a predetermined message (information or data) that is processed in the process of the VoIP terminal 300 performing a predetermined security request function (for example, an electronic payment or electronic payment function), and forge (or modulate) the message. Adding an authenticator that prevents the information from being stored in the server, or storing important information in the process of performing the security request function. And a gong.

In general, the security module 340 is preferably composed of a predetermined security module 340 inserter and a security module 340 chip, the security module 340 chip is a chip containing at least 8 bits or more CPU and memory 2MIPS (Application Specific Integrated Circuit (ASIC) chip (e.g., PLCC 44-pin chip) or IC chip (e.g., IC card in the form of subscriber identity module (SIM)) having a performance of (Million Instructions Per Second) or more It is preferable.

In addition, the security module 340 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP terminal 300 to perform a predetermined security request function Or a key (eg, one master key and at least one application key) or protocol (eg, a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a security module 340 issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, security module 340 revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / revocation / Initialization / reprocessing / cancellation command).

According to an exemplary embodiment of the present invention, the security module 340 processes the financial company server 387 (or the communication relay server 390) to recognize the VoIP terminal 300 as a virtual CD / ATM. Preferably, the terminal information includes the terminal information, and the financial institution server 387 (or the communication relay server 390) that has received the virtual financial terminal information is configured until the non-face-to-face financial transaction through the VoIP terminal 300 ends. It is preferable to process the financial transaction by recognizing the VoIP terminal 300 as a virtual CD / ATM.

According to an embodiment of the present invention, the security module 340 recognizes the VoIP terminal 300 as a virtual CD / ATM by the financial institution server 387 (or the communication relay server 390). The VoIP terminal 300 according to the non-face-to-face financial transaction control information for controlling a non-face-to-face financial transaction procedure (eg, a virtual CD / ATM-based financial transaction procedure) through the terminal 300 and the non-face-to-face financial transaction control information. It is desirable to have a non-face-to-face financial transaction authentication function for authenticating each non-face-to-face financial transaction step through.

Herein, the non-face-to-face financial transaction control information outputs the non-face-to-face financial transaction interface including one or more of the card information reading interface, the financial transaction item selection interface, and the transaction information input interface from the VoIP terminal 300 to the screen output means. It is preferable to include the interface control information for controlling and authenticating, wherein the non-face-to-face financial transaction authentication function is outputting the interface according to the non-face-to-face financial transaction procedure to the screen output means through the interface control information It is desirable to authenticate.

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 key input unit ( Password authentication information for verifying the validity of the PIN information (or card password) input from the 320, financial transaction for authenticating the validity of the financial transaction item selection information input from the key input unit 320 through the financial transaction item selection interface Preferably, the transaction information includes at least one item of authentication information. At this time, the non-face-to-face financial transaction authentication function may read card information (or account information) read through the card reader unit 310 through the card information authentication information. To verify the validity of the PIN information (or card password), or enter through the key input unit 320 That it is desirable to authenticate the validity of financial transactions item selection information.

In particular, the non-face-to-face financial transaction control information, for the virtual CD / ATM-based non-face-to-face financial transactions over the VoIP for the transaction information input (or selected) from the key input unit 320 through the transaction information input interface Preferably, the transaction information authentication information for authenticating the validity is included. In this case, the transaction information authentication information is preferably for validating the validity of the input (or selected) transaction information.

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 may include authenticating whether the PIN information or the card password includes a preset PIN information (or card password) system.

Alternatively, the validity authentication of the financial transaction item selection information through the financial transaction item authentication information may include a non-face-to-face corresponding to the financial transaction item selection information through a customer account corresponding to the read card information (or account information). It is desirable to include verifying that financial transactions are possible.

Alternatively, the validity authentication of the virtual CD / ATM based non-face-to-face financial transaction through the VoIP through the transaction information authentication information may include verifying whether the transaction information input (or selected) through the transaction information input interface is valid. It is preferable to make it.

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 virtual CD / ATM based non-face-to-face financial transaction and real-time transaction history inquiry function, the VoIP terminal 300 checks whether a VoIP based communication channel is connected, and when checking the VoIP based communication channel, the VoIP based communication channel It characterized in that it comprises a communication channel switching unit 350 for switching to a communication channel between the VoIP terminal 300 and the financial institution server 387 (or communication relay server 390).

When the customer using the VoIP terminal 300 requests a virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history through VoIP through the key input unit 320, the communication channel switching unit 350 is The VoIP terminal 300 checks whether the VoIP based communication channel is connected.

Upon checking 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 company server 387 (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 387 (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 387 (or communication relay server 390).

Referring to FIG. 3, when the virtual financial terminal program is activated, the VoIP terminal 300 switches the communication channel switching unit 350 for a virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history inquiry through the VoIP. The VoIP terminal 300 information and the security module 340 provided in the VoIP terminal 300 to the financial institution server 387 (or the communication relay server 390) through the communication channel switched (or connected) by the The security module 340 information and the VoIP terminal through the communication channel from the information transmitter 353 and the financial institution server 387 (or the communication relay server 390) for transmitting the corresponding security module 340 information. And an information receiver 355 for receiving virtual financial terminal activation information corresponding to the information.

The communication channel is switched to the financial company server 387 (or the communication relay server 390) by the communication channel switching unit 350 for the virtual CD / ATM-based non-face-to-face financial transaction and real-time transaction history through the VoIP ( Or connected), the information transmitter 353 is connected to the memory unit 330 to the VoIP terminal 300 information (not shown) and the security module 340 provided in the VoIP terminal 300. Check the corresponding security module 340 information, and transmits the confirmed VoIP terminal 300 information and security module 340 information to the financial company server 387 (or communication relay server 390). do.

According to the method of the present invention, when the financial institution server 387 (or the communication relay server 390) can confirm the VoIP terminal 300 information through the communication channel, the information transmitter 353 Check the security module 340 information corresponding to the security module 340 provided in the VoIP terminal 300 in conjunction with the memory unit 330, and the information of the confirmed security module 340 to the financial company server (387) (Or communication relay server 390).

Thereafter, the financial institution server 387 (or the communication relay server 390) is a card reader and the effective security module 340 to the VoIP terminal 300 through the VoIP terminal 300 information and the security module 340 information. (E.g., the security module 340 having the virtual financial terminal information, the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function) is provided, and then, upon confirming the authentication, the communication The virtual financial terminal activation information is transmitted to the VoIP terminal 300 through a channel, and the information receiving unit 355 is the financial company server 387 (or the communication relay server 390) through the communication channel. Receiving the virtual financial terminal activation information from the terminal.

In this case, the virtual financial terminal activation information, by activating the security module 340 provided in the VoIP terminal 300 so that the VoIP terminal 300 operates as a virtual financial terminal (= virtual CD / ATM). As the information to be activated, the security module 340 activated by the virtual financial terminal activation information is the financial terminal server 387 via the VoIP terminal 300 and the financial company server 387 (or the communication relay server 390). And an encryption / decryption based secure communication channel, and transmits the virtual financial terminal information provided in the security module 340 from the VoIP terminal 300 to the financial institution server 387 through the secure communication channel. The non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module 340 may be processed by the VoIP terminal 300.

Referring to FIG. 3, when the virtual financial terminal activation information is received, the VoIP terminal 300 may include a security module processor configured to activate a virtual financial terminal function of the security module 340 through the virtual financial terminal activation information. 363, a communication channel connection unit 365 for connecting the financial company server 387 and an end-to-end secure communication channel based on encryption / decryption under the non-face-to-face financial transaction control of the security module 340, and the screen output means. An interface output unit 370 for outputting a virtual financial terminal authentication interface and the virtual financial terminal information from the security module 340 based on authentication information input through the virtual financial terminal authentication interface, and the secure communication channel The terminal authentication processor 367 is transmitted to the financial company server 387 to process the VoIP terminal 300 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM). It is characterized by the comparison.

When the virtual financial terminal activation information is received from the financial institution server 387 (or the communication relay server 390) by the information receiving unit 355, the security module processing unit 363 may receive the received virtual financial terminal activation information. By providing to the security module 340, the security module 340 is characterized in that the virtual financial terminal activation information is read to process the virtual financial terminal function of the security module 340 is activated.

According to the exemplary embodiment of the present invention, when the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, the operation of the VoIP terminal 300 is performed by the security module 340. It is preferable that each non-face-to-face financial transaction step is controlled and authenticated through non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function.

When the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, the communication channel connection unit 365 performs a financial company server 387 according to the non-face-to-face financial transaction control of the security module 340. ) And end-to-end secure communication channel based on encryption / decryption.

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 340, thereby allowing the VoIP terminal (Bypass). It is preferable to connect an end-to-end secure communication channel based on encryption / decryption between 300 and the financial institution server 387.

According to another exemplary embodiment of the present invention, the communication channel connection unit 365 is connected between the VoIP terminal 300 and the financial company server 387 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module 340. It is desirable to connect an end-to-end secure communication channel based on encryption / 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 300 and the financial institution server 387 described above. The detailed description thereof will be omitted for convenience.

When the virtual financial terminal function of the security module 340 is activated by the security module processor 363, and the end-to-end secure communication channel between the VoIP terminal 300 and the financial company server 387 is connected, the interface outputs. The unit 370 may output 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 340, and may include authentication information (eg, When the PIN information for the security module 340) is input, the terminal authentication processor 367 transfers the input authentication information to the security module 340 according to the non-face-to-face financial transaction control of the security module 340. Providing and reading the virtual financial terminal information from the security module 340 as an authentication result of the authentication information, and then processing the virtual financial terminal information. And the VoIP terminal 300 is recognized as a virtual financial terminal (eg, a virtual CD / ATM) by the financial institution server 387. do.

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 provided to the module 340 to be authenticated may be omitted, and the present invention is not limited thereto.

When the VoIP terminal 300 is recognized as the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication processor 367 receives virtual financial terminal authentication information from the financial company server 387. Accordingly, the VoIP terminal 300 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to the non-faced financial transaction control procedure according to the financial transaction control of the security module 340. It is characterized by performing a transaction procedure.

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 340, the VoIP module 300 includes the security module 340. Interface output unit 370 for outputting a card information reading interface, a financial transaction item selection interface, and a transaction information input interface according to a non-face-to-face financial transaction procedure according to the non-face-to-face financial transaction control, and to the interface output unit 370. 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 a password through the key input unit 320. Input processing, when the financial transaction item selection interface is output by the interface output unit 370, the financial transaction item selection information is input through the key input unit 320, and the processing is performed. When the information input interface is output, the information input unit 373 for inputting and processing transaction information through the key input unit 320, the read card information (or account information) and financial transaction item selection information, and the selected financial transaction item A full text generation unit 377 for generating a full transaction request message including at least one transaction information (for example, account inquiry transaction, account transfer transaction, etc.) and the financial company server 387 through the end-to-end secure communication channel. And a specialized processing unit 380 for transmitting the generated transaction request message to the non-face-to-face financial transaction, and controlling the non-face-to-face financial transaction of the security module 340. In connection with 370, the screen output unit 315 controls to output at least one non-face-to-face financial transaction interface, and associates with the information reading unit 375. Based on the non-face-to-face financial transaction interface, the card reader 310 controls the card information (or account information) to be read, and the financial transaction is performed through the key input unit 320 in association with the information input unit 373. Control to input item selection information and one or more transaction information corresponding to the selected financial transaction item, and linked the card information (or account information), financial transaction item selection information, and the Control the generation of a transaction request message including at least one transaction information corresponding to a financial transaction item, and in connection with the professional processing unit 380 through the end-to-end secure communication channel the generated transaction request message financial company server (387) And a virtual financial terminal control unit 360 for controlling non-face-to-face financial transactions to be processed.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the interface output unit 370 may be configured to execute the virtual financial terminal control unit 360. Card information reading interface and financial transaction item in connection with the memory unit 330 according to the 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 340. And outputting a selection interface and a transaction information input interface, wherein each interface outputting step includes non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication of the security module 340 through the virtual financial terminal controller 360. It is desirable to authenticate based on functionality.

According to the first embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface according to a CD / ATM-based financial transaction procedure, it is preferable to output the financial transaction item selection interface and sequentially output the transaction information input interface according to the financial transaction item.

According to the second embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the financial transaction item selection interface according to the CD / ATM-based financial transaction procedure, it is preferable to sequentially output the transaction information input interface and the card information reading interface according to the financial transaction item.

According to the third embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to a CD / ATM based financial transaction procedure, it is preferable to sequentially output the transaction information input interface according to the financial transaction item.

According to the fourth embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to the CD / ATM-based financial transaction procedure, it is preferable to sequentially output the transaction information input interface according to the financial transaction item.

Those skilled in the art of the present invention, in addition to the interface output method described above, non-face-to-face based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 According to a financial transaction procedure (e.g., CD / ATM based financial transaction procedure), the card information reading interface, the financial transaction item selection interface, and the transaction information input interface are sequentially (or by combining two or more interfaces in one screen output means). Various output methods may be inferred, and the present invention is characterized by including all the inferred implementation methods.

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 340 through the virtual financial terminal controller 360. When the card information reading interface is outputted, the non-face-to-face financial transaction based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 is output. The card information (or account information) is read from the customer card through the card reader 310 according to a procedure (for example, CD / 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 controls the non-face-to-face financial transaction control information and the non-face-to-face finance of the security module 340. It is preferable to authenticate the validity of the read card information (or account information) on the basis of a transaction authentication function, wherein the validity authentication of the card information (or account information), the read card information (or account information) ) Includes authenticating card information (or account information) capable of non-face-to-face financial transactions through the VoIP terminal 300 (eg, card information (or account information) associated with a customer account opened in a specific bank). It is preferable to make it.

Alternatively, the interface output unit 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 340 through the virtual financial terminal controller 360. When the password input interface is output through 370, the information input unit 373 is a non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. The PIN information (or card password) is input through the key input unit 320 according to a transaction procedure (eg, CD / ATM-based financial transaction procedure).

When the password is input through the information input unit 373, the virtual financial terminal control unit 360 inputs the PIN 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 340. It is preferable to authenticate the validity of the information (or card password), wherein the validity authentication of the PIN information (or card password) is a PIN information (or card password) scheme in which the PIN information (or card password) is preset. It is preferable that the authentication comprises a.

Alternatively, the interface output unit 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 340 through the virtual financial terminal controller 360. When the financial transaction item selection interface is output through 370, the information input unit 373 is a non-face-to-face based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. According to a financial transaction procedure (eg, CD / ATM-based financial transaction procedure), the financial transaction item selection information is input through the key input unit 320.

When the financial transaction item selection information is input through the information input unit 373, the virtual financial terminal controller 360 is 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 340. Preferably, the validity of the input financial transaction item selection information is verified, wherein the validity authentication of the financial transaction item selection information is performed through a customer account corresponding to the read card information (or account information). Preferably, the method includes authenticating whether a non-face-to-face financial transaction corresponding to the transaction item selection information is possible.

If the input financial transaction item selection information includes a financial transaction item corresponding to any one of the virtual CD / ATM based non-face-to-face financial transaction through the VoIP, the interface output unit 370 may be configured as the virtual financial terminal. A transaction corresponding to the selected financial transaction item 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 340 through the control unit 360. And an information input interface.

Alternatively, the interface output unit 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 340 through the virtual financial terminal controller 360. When the transaction information input interface is output through 370, the information input unit 373 may input and process transaction information corresponding to the financial transaction item through the key input unit 320.

When the transaction 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 340. Preferably, the validity of the transaction information is authenticated, wherein the validity authentication of the transaction information includes verifying whether the input (or selected) transaction information includes valid information.

The card information (or account information) is read from the customer card through the information reading unit 375, and the financial transaction item selection information and the transaction information corresponding to the financial transaction item 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 340 through the virtual financial terminal controller 360 (eg, CD / ATM-based). And a transaction request message including one or more of the card information (or the account information), the financial transaction item selection information, and the transaction information corresponding to the selected financial transaction item according to the financial transaction procedure).

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 387 as a transaction request telegram transmitted from the CD / ATM terminal.

The transaction request telegraph is generated by 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 340 through the virtual financial terminal controller 360. If not, the professional processor 380 may perform 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 340 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 institution server 387 through an end-to-end secure communication channel connected by the communication channel connection unit 365 according to.

In addition, the specialized processing unit 380 is a non-face-to-face financial transaction procedures (eg, CD / ATM-based financial transactions based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360). A general ledger response message including a ledger processing result corresponding to the transaction request message (eg, a ledger processing result corresponding to the transaction request message) from the financial institution server 387 through the end-to-end secure communication channel according to a procedure), or Receiving a transaction result text including financial transaction processing results according to the ledger processing result corresponding to the transaction request text), and in accordance with the non-face-to-face financial transaction procedure (for example, CD / ATM-based financial transaction procedure). Characterized in that the screen output the received transaction response message.

The transaction processing unit 380 includes a 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 may release the end-to-end secure communication channel between the VoIP terminal 300 and the financial company server 387.

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 340, the VoIP terminal 300 is connected to the VoIP terminal 300. Deactivates the VoIP 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 ends, restores the VoIP call function. It is characterized in that it comprises a VoIP communication control unit 305 for controlling to recognize that the voice call to the VoIP terminal 300 in association with the VoIP server 395 on the communication network.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the VoIP communication controller 305 performs the VoIP call function of the VoIP terminal 300. By deactivating, the VoIP-based voice call through the VoIP terminal 300 is deactivated, and the data communication function through the VoIP terminal 300 except the secure communication channel is deactivated.

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 387) 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.

Referring to FIG. 3, the VoIP terminal 300 performs a virtual CD / ATM function interworking real-time transaction history inquiry function through the VoIP through widget information for inquiring a real-time transaction history interworking with the virtual CD / ATM function through VoIP. An interface output unit 370 for activating and outputting a widget interface for controlling a real-time transaction history inquiry function linked to the virtual CD / ATM function through VoIP, and a real-time transaction history inquiry function linked to the virtual CD / ATM function through VoIP When activated, the VoIP terminal 300 is linked with the virtual financial terminal control unit 360 according to the non-face-to-face financial transaction control of the security module 340 through real-time transaction history inquiry control information stored in the memory unit 330. Recognized as a virtual financial terminal, connects a secure communication channel with a financial company server (387), and retrieves transaction details during virtual CD / ATM-based non-face-to-face financial transactions through the VoIP Automatically select a financial transaction item, and automatically select the query target account information for querying the transaction history (but omit when one or more query target account information associated with the widget information is registered in the financial company server 387), Real-time inquiry control unit 383 for automatically setting the inquiry period, and the account information (viewable through the transaction history inquiry function during the virtual CD / ATM-based non-face-to-face financial transactions through the VoIP in conjunction with the virtual financial terminal control unit 360) Information generation unit 385 for generating real-time transaction history inquiry request information including one or more inquiry period information and widget information; and a full text generation for generating a transaction request message including the real-time transaction history inquiry request information. The 377 transmits the generated transaction request message to the financial company server 387 through the end-to-end secure communication channel, and requests the real-time transaction history inquiry. Characterized in that it comprises a professional processing unit 380, wherein the interface output unit 370, the real-time inquiry control unit 383 and the information generating unit 385 is a widget provided in the VoIP terminal 300 It is included in the program function, the professional generation unit 377 and the professional processing unit 380 may be included in the widget program function, or may be included in the virtual financial terminal program function.

The interface output unit 370 inputs widget information (eg, widget access ID / PW information, OTP information, and real-time transaction history inquiry authentication information) for the real-time transaction history inquiry linked to the virtual CD / ATM function through the VoIP. A widget interface for activating a virtual CD / ATM function interworking function through VoIP and real-time transaction history inquiry function and controlling the virtual CD / ATM function interworking real-time transaction history inquiry function through the VoIP in connection with the virtual financial terminal control unit 360. It is characterized by outputting.

When the transaction history inquiry function between the virtual CD / ATM function interworking through the VoIP is activated through the widget interface, the real-time inquiry control unit 383 checks the real-time transaction history inquiry control information stored in the memory unit 330. .

Thereafter, the real-time inquiry control unit 383 connects to the virtual financial terminal control unit 360 through the real-time transaction history inquiry request information and controls the VoIP terminal 300 according to the non-face-to-face financial transaction control of the security module 340. Recognizes as a virtual financial terminal, connects a secure communication channel with a financial company server 387, automatically selects a financial transaction item for transaction details inquiry of the virtual CD / ATM based non-face-to-face financial transaction through the VoIP, and the transaction Automatically select the inquiry target account information for details inquiry (however, if one or more inquiry target account information associated with the widget information is registered in the financial institution server 387), and the inquiry period is automatically set.

Here, the inquiry target account, preferably comprises one or more real accounts, virtual accounts, online accounts determined by the user of the VoIP terminal 300, the VoIP terminal 300 is provided in a merchant (or store) In this case, it is preferable that the inquiry target account includes one or more accounts in which credit card authorization details are recorded in the ledger and accounts in which the bank account deposit details are recorded in the ledger corresponding to the sales of the affiliated stores (or stores).

The information generation unit 385 is a query target account information (can be omitted), inquiry period information, widgets for the real-time transaction history inquiry based on the transaction history inquiry function of the virtual CD / ATM based non-face-to-face financial transactions through the VoIP Characterized in that it generates the real-time transaction history query request information including one or more information, the full text generation unit 377 generates a full transaction request message including the real-time transaction history query request information, the professional processing unit 380 ) Transmits the generated transaction request message to the financial company server 387 through the end-to-end secure communication channel to request the real-time transaction history inquiry.

If the VoIP terminal 300 is provided in the affiliate store (or store), the real-time transaction history inquiry request information is the card company approval details corresponding to the sales of the affiliate store (or store) of the transaction history corresponding to the inquiry target account Preferably, the information further comprises a query target information for requesting to selectively view the transaction history including at least one bank deposit details, in this case, the real-time transaction history query is the transaction history corresponding to the inquiry target information is inquired It is preferable.

Thereafter, the transaction history information corresponding to the real-time transaction history inquiry request is received and output according to the transaction history inquiry function of the virtual financial terminal function.

In more detail, FIG. 4 illustrates that the widget interface is output to the VoIP terminal 480 shown in FIG. 3, and then the virtual CD / ATM based real-time transaction history inquiry function through the VoIP is activated. When the VoIP terminal 480 information and the security module information are provided to the financial institution server 435 (or the communication relay server 400) through a communication network, the financial institution server 435 (or the communication relay server 400) stores the information. The virtual financial terminal activation information corresponding to the VoIP terminal 480 information and the security module information is transmitted to the VoIP terminal 480 in association with the medium 430 to activate the virtual financial terminal function of the VoIP terminal 480. The financial company server 435 receives and authenticates the virtual financial terminal information from the VoIP terminal 480 on which the virtual financial terminal function is activated, and then authenticates the virtual financial terminal function of the VoIP terminal 480. At the VoIP terminal 480 The system is configured to process a CD / ATM-based financial transaction corresponding to the virtual CD / ATM-based real-time transaction inquiry when the transaction request message for the virtual CD / ATM-based real-time transaction inquiry is transmitted. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for configuring a virtual CD / ATM based financial transaction system through the VoIP. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the VoIP terminal 480 information and the security module information provided from the VoIP terminal 480 are received, and the virtual financial terminal activation information corresponding to the received VoIP terminal 480 information and the security module information. At least one or more means for transmitting the call to the VoIP terminal 480, or a component corresponding to a functional configuration is called a "relay server" for convenience, and the virtual financial terminal information from the VoIP terminal 480 where the virtual financial terminal function is activated. After receiving and authenticating the virtual financial terminal function of the VoIP terminal 480, and transmitting the full transaction request message for the virtual CD / ATM based real-time transaction inquiry from the authenticated VoIP terminal 480, At least one means for processing CD / ATM-based financial transactions corresponding to CD / ATM-based real-time transaction inquiry, or components corresponding to functional configurations are referred to as "financial company server 435" for convenience. .

Referring to FIG. 4 according to an embodiment of the present invention, the virtual CD / ATM-based financial transaction system via VoIP includes at least one VoIP terminal 480 connected to a communication network and a transmission from the VoIP terminal 480. A storage medium 430 for storing the VoIP terminal 480 information and the security module information, and the VoIP terminal 480 information and the security module information connected to the VoIP terminal 480 through a communication network. A relay server that receives and transmits virtual financial terminal activation information corresponding to the received VoIP terminal 480 information and security module information to the VoIP terminal 480, and is connected to the VoIP terminal 480 through a communication network; Or, through the relay server, relays and connects to the VoIP terminal 480 and receives and authenticates the virtual financial terminal information from the VoIP terminal 480 on which the virtual financial terminal function is activated, thereby virtualizing the VoIP terminal 480.After authenticating the terminal function, if the authenticated VoIP terminal 480 transmits the transaction request message for the virtual CD / ATM-based real-time transaction inquiry, the CD / ATM-based corresponding to the virtual CD / ATM-based real-time transaction inquiry And a financial company server 435 for processing a financial transaction, wherein the financial company server 435 is a financial transaction server for processing a CD / ATM based financial transaction, or processes a CD / ATM based financial transaction. It is preferable to include a server associated with the financial transaction server.

The VoIP terminal 480 is characterized by having a VoIP function configuration shown in FIG. 3, which will be described in detail with reference to FIG.

The storage medium 430 provided on the financial transaction system for the virtual CD / ATM based real-time transaction inquiry through the VoIP is the customer information, VoIP terminal 480 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 480 equipped with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 480. It is preferable to comprise).

The VoIP terminal 480 information is identification information assigned to the VoIP terminal 480 by a VoIP service provider to identify the VoIP terminal 480 requested to be subscribed among the plurality of VoIP terminals 480. It is preferable that the VoIP terminal 480 includes a telephone number, and further includes other identification information (eg, an ESN, a serial number, or an IP address) in addition to the VoIP terminal 480 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 480, 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 480 so that the VoIP terminal 480 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.

In addition, the storage medium 430 may include widget information (eg, widget program information, widget access ID / PW) corresponding to a widget program included in the VoIP terminal 480 for virtual CD / ATM based real-time transaction inquiry through VoIP. Information, OTP information, real-time transaction history inquiry authentication information) and one or more inquiry target account information (optional) may be stored in association.

According to the embodiment of the present invention, the relay server is characterized in that it comprises an interface unit 405 for connecting and managing the VoIP terminal 480 and the VoIP-based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 405 connects the VoIP terminal 480 with a 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 480 to a VoIP based data communication channel.

Referring to FIG. 4, the relay server includes an information receiver 410 (or information) for receiving VoIP terminal 480 information and security module information transmitted from the VoIP terminal 480 in association with the interface unit 405. Receiving means), an information checking unit 415 (or information checking means) for confirming virtual financial terminal activation information corresponding to the VoIP terminal 480 information and the security module information in association with the storage medium 430; And an information transmitter 420 (or information transmitting means) for transmitting the checked virtual financial terminal activation information to the VoIP terminal 480 to process the virtual financial terminal function of the VoIP terminal 480 to be activated. It is characterized by.

The information receiving unit 410 receives the VoIP terminal 480 information and the security module information transmitted from the VoIP terminal 480 in connection with the interface unit 405, and the interface unit 405 When the VoIP terminal 480 information can be confirmed through the information receiving unit 410, the security module information received from the VoIP terminal 480 is received, and the VoIP terminal (405) is linked with the interface unit 405. 480) It is desirable to confirm the information.

When the VoIP terminal 480 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 480 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 480 to process the virtual financial terminal function of the VoIP terminal 480 to be activated.

Referring to FIG. 4, the relay server connects the VoIP terminal 480 to the financial company server 435 when the VoIP terminal 480 connects to the financial company server 435 in an end-to-end secure communication channel. Characterized in that it further comprises a communication relay unit 425.

According to the exemplary embodiment of the present invention, when the relay server includes the communication relay unit 425, the relay server is preferably a communication relay server 400 between the VoIP terminal 480 and the financial company server 435. Do.

Referring to FIG. 4, the financial institution server 435 includes a communication channel operating unit 440 (or communication channel operating means) for connecting the VoIP terminal 480 to an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 445 (or information receiving means) for receiving the virtual financial terminal information from the VoIP terminal 480 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 480 shown in FIG.

According to an exemplary embodiment of the present invention, the communication channel operating unit 440 bypasses the relay server according to the non-face-to-face financial transaction control of the security module, thereby allowing the VoIP terminal 480 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 communication channel operation unit 440 encrypts between the VoIP terminal 480 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 480 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 480 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 480 is recognized as a virtual financial terminal by reading and authenticating the validity.

According to the exemplary embodiment of the present invention, the terminal authentication unit 450 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 480 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 480 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 480. In response, the VoIP terminal 480 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 institution server 435 may include at least one transaction request information including at least one of account information (optional), inquiry period information, and widget information from the VoIP terminal 480 through the secure communication channel. A professional receiving unit 455 (or a professional receiving means) for receiving the validity check unit 460 (or validity checking means for checking the validity of the real-time transaction history inquiry based on the widget information included in the transaction request message) ), A query target account identification unit 465 (or query target account checking means) for checking at least one query target account information for the real-time transaction history inquiry, and corresponding to the received transaction request text in association with a financial system; A transaction inquiry processing unit 470 (or a transaction inquiry processing means) for processing a transaction inquiry, and a transaction response message including the transaction inquiry processing result (for example, the transaction request) It is characterized in that it comprises a specialized transmission unit 475 (or specialized transmission means) for generating a full text containing the transaction history information corresponding to the ledger inquiry result corresponding to the door to the VoIP terminal 480 .

When the VoIP terminal 480 is recognized as a virtual financial terminal, the specialized receiver 455 selects customer card information and financial transaction items according to the non-face-to-face financial transaction control of the security module provided in the VoIP terminal 480. And receiving a transaction request message including one or more transaction information corresponding to the financial transaction item.

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 435 as the transaction request telegram transmitted from the CD / ATM terminal.

When the transaction request message is received through the specialized receiver 455, the validity checker 460 compares the widget information included in the transaction request message with the widget information stored in the storage medium 430 to provide the widget information. Based on the checking of the validity of the real-time transaction history inquiry.

If the validity of the real-time transaction history inquiry is confirmed, the inquiry target account identification unit 465 confirms one or more inquiry target account information included in the transaction request text, or the widget from the storage medium 430. It is characterized by checking one or more of the account information stored in connection with the information.

According to an embodiment of the present invention, when one or more inquiry target account information is included in the transaction request text, the inquiry target account identification unit 465 may search one or more inquiry targets for the real-time transaction details from the transaction request message. It is desirable to verify the account information.

According to an exemplary embodiment of the present invention, when one or more inquiry target account information is not included in the transaction request text, and the widget information and one or more inquiry target account information are stored in association with the storage medium 430, the inquiry target account is confirmed. The unit 465 may check at least one inquiry target account information stored in association with the widget information from the storage medium 430.

When the transaction request message is received through the specialized receiver 455, the transaction inquiry processing unit 470 may perform the requested ledger process (eg, ledger information inquiry) in association with the financial system.

In accordance with an embodiment of the present invention, if a transaction request message is received for the inquiry target account information (optional), inquiry period information, and widget information for the virtual CD / ATM-based real-time transaction inquiry through VoIP, the transaction inquiry processing unit 470 Preferably checks (or extracts) transaction history information for a period corresponding to the inquiry period information from a ledger corresponding to the inquiry target account information (or account information associated with card information) in association with the financial system. Do.

In the technical field to which the present invention belongs, the transaction inquiry processing unit 470 will be familiar with the technical features of processing the ledger corresponding to the transaction request text in connection with the financial system, and thus the detailed description thereof will be omitted for convenience. do.

When the transaction history information is confirmed (or extracted) through the ledger processing by the transaction inquiry processing unit 470, the specialized transmission unit 475 may include a transaction response message including transaction history information corresponding to the result of the ledger processing. For example, a full text including transaction history information corresponding to a ledger inquiry result corresponding to the full transaction request message may be generated and transmitted to the VoIP terminal 480.

After the transaction response message is transmitted to the VoIP terminal 480, the communication channel manager 440 preferably releases the end-to-end secure communication channel with the VoIP terminal 480.

5 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal 480 and a financial institution server 435 to query a real-time transaction history linked to a virtual CD / ATM function through VoIP according to an embodiment of the present invention.

In more detail, FIG. 5 shows a virtual financial terminal program (i.e., a widget program) which is activated by the VoIP terminal 480 shown in FIG. 3, and the started widget program is provided in the VoIP terminal 480 shown in FIG. For example, the VoIP terminal 480 information and security are linked to the relay server shown in FIG. 4 by interworking with (or controlling) a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 480. Receiving the virtual financial terminal activation information by transmitting module information, and after activating the virtual financial terminal function provided in the VoIP terminal 480 through the received virtual financial terminal activation information, based on the virtual financial terminal function As a process for connecting to the financial institution server 435 shown in Figure 4 through the end-to-end secure communication channel, if the person of ordinary skill in the art to which the present invention pertains, refer to Figure 5 It may be possible to infer various implementation methods for the process of connecting the secure communication channel between the VoIP terminal 480 and the financial institution server 435 by the addition and / or modification, the present invention includes all the implementation methods inferred It is made, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 5, a widget interface is started by invoking a widget program for inquiring real-time transaction details linked to a virtual CD / ATM function through VoIP by menu selection (or button click) in the VoIP terminal 480 illustrated in FIG. The control unit 500 outputs the communication channel of the VoIP terminal 480 to a communication channel with the relay server (500).

If the relay server and the communication channel is connected (or switched) (505), the VoIP terminal 480 is based on the widget interface widget information (eg, widget access ID / PW information, OTP information, real-time transaction history inquiry By logging into the relay server through the authentication information, the real-time transaction history inquiry function linked to the virtual CD / ATM function of the VoIP terminal 480 is activated based on the widget access authentication (510).

If the virtual CD / ATM function interworking real-time transaction history inquiry function of the VoIP terminal 480 is activated (515), the VoIP terminal 480 checks the real-time transaction history inquiry control information from the memory unit through the widget program ( Or extract 520).

For example, the real-time transaction history inquiry control information recognizes the VoIP terminal 480 as a virtual financial terminal according to the non-face-to-face financial transaction control of the security module, connects a secure communication channel with a financial company server 435, and the VoIP Automatically select financial transaction items for transaction details inquiry among virtual CD / ATM-based non-face-to-face financial transactions, and automatically select inquiry target account information for transaction details inquiry (However, widget information and If one or more linked account information is registered, it is omitted), and after setting the inquiry period automatically, the real-time transaction history inquiry request including one or more of the inquiry target account information (optional), inquiry period information, widget information It includes the macro information for generating the information to control the periodic (or real time) transmission to the financial institution server 435 through the secure communication channel It is desirable.

Thereafter, the VoIP terminal 480 is connected to the virtual financial terminal program provided in the VoIP terminal 480 based on the real-time transaction history inquiry control information through the widget program. Check the security module information corresponding to the security module provided in the terminal 480, and transmits the identified VoIP terminal 480 information and security module information to the relay server (525).

Subsequently, the relay server includes a card reader and a valid security module (eg, the virtual financial terminal information) in the VoIP terminal 480 in association with the storage medium 430, and provides the non-face-to-face financial transaction control information and the non-face-to-face finance. Security module having a transaction authentication function), and when the VoIP terminal 480 is provided with a card reader and a valid security module, information and security of the VoIP terminal 480 from the storage medium 430 In operation 530, the virtual financial terminal activation information associated with the module information is checked (or dynamically generated).

Here, the virtual financial terminal activation information, by activating the security module provided in the VoIP terminal 480 to activate the VoIP terminal 480 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 / decrypted based on the VoIP terminal 480 and the financial institution server 435 (or the financial institution server 435 via the communication relay server 400). Connect the secure communication channel, and transmit the virtual financial terminal information included in the security module from the VoIP terminal 480 to the financial institution server 435 through the secure communication channel, and the VoIP terminal 480. 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.

If the virtual financial terminal activation information is confirmed (535), the relay server transmits the virtual financial terminal activation information to the VoIP terminal 480 through the communication channel (540), and correspondingly the VoIP terminal 480 ) Receives the virtual financial terminal activation information through the communication channel and provides the virtual financial terminal activation information to the security module, thereby reading the virtual financial terminal activation information from the security module and processing the virtual financial terminal function of the security module to be activated. 545).

If the virtual financial terminal function of the security module is activated (550), the VoIP terminal 480 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 The channel is connected (555).

According to an exemplary embodiment of the present invention, the VoIP terminal 480 bypasses one or more communication relay servers 400 according to the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 480 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 VoIP terminal 480 is encrypted / decrypted between the VoIP terminal 480 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 the base end-to-end secure communication channel.

6 is a diagram illustrating a process of processing the VoIP terminal 480 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 480 shown in FIG. As a process for transmitting the virtual financial terminal information to the financial company server 435 to process the VoIP terminal 480 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM) by the financial company 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 480 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 480 of FIG. The terminal 480 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 480 is a virtual financial terminal function of the security module And processing the input authentication information to be provided to and read from the security module according to a non-face-to-face financial transaction control corresponding to the authentication. 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 480 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 identified (or extracted) from the security module (615), the VoIP terminal 480 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 check the validity of the virtual financial terminal of the VoIP terminal 480 (625).

If the validity of the virtual financial terminal of the VoIP terminal 480 is not authenticated (630), the financial institution server 435 transmits the virtual financial terminal error information to the VoIP terminal 480 through the secure communication channel (635). In step 640, the end-to-end secure communication channel between the VoIP terminal 480 and the financial institution server 435 is released.

On the contrary, if the validity of the virtual financial terminal of the VoIP terminal 480 is authenticated (630), the financial institution server 435 transmits the virtual financial terminal authentication information to the VoIP terminal 480 through the secure communication channel (645). In response, the VoIP terminal 480 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 480 according to an embodiment of the present invention.

In detail, FIG. 7 illustrates the VoIP terminal 480 of the VoIP terminal 480 of FIG. 3 through the virtual financial terminal recognition process of FIG. 6 from the VoIP terminal 480 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 480, the technical field to which the present invention belongs However, those skilled in the art will be able to deduce various implementation methods for the process of deactivating the VoIP communication function of the VoIP terminal 480 by referring to and / or modifying the present invention. 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 480 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 480 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 480 is performed 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 480 is activated (705), the VoIP terminal 480 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP) of the VoIP terminal 480. Based data communication function) to be deactivated (710).

According to an 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 480 may be performed in addition to the communication function through the secure communication channel. It is preferable 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 480.

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 480 is deactivated (715), the VoIP terminal 480 may be a VoIP server (eg, a gateway, Or gatekeeper) to transmit VoIP communication deactivation information (720), and correspondingly, the VoIP server recognizes that the VoIP terminal 480 is in a call through the VoIP communication deactivation information (725).

Hereinafter, through the process shown in Fig. 8 to Fig. 9, the VoIP terminal 480 is processed as a virtual financial terminal (for example, a virtual CD / ATM) to process a virtual CD / ATM based real-time transaction inquiry through the VoIP. It will be described with reference to a preferred embodiment to the.

In more detail, in FIG. 8, the virtual CD / ATM function interworking real-time transaction history inquiry function of the VoIP terminal 480 shown in FIG. 3 is activated through the process shown in FIG. 5, and the virtual shown in FIG. The VoIP terminal 480 shown in FIG. 3 is recognized as a virtual financial terminal (for example, CD / ATM) through a financial terminal recognition process, or the VoIP communication function deactivation process shown in FIG. After the VoIP communication function of the terminal 480 is deactivated, the financial institution server 435 by interworking (or controlling) the virtual CD / ATM based non-face-to-face financial transaction function through the VoIP in the widget program included in the VoIP terminal 480. This is about the process of requesting real-time transaction history inquiry (eg, periodic inquiry, batch inquiry), and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 8 Virtual CD / ATM function interworking via VoIP It can be inferred various implementation methods for the real-time transaction history inquiry request process, the present invention comprises all the implementation methods inferred, the implementation method shown in Figure 8 The technical features are not limited only.

Referring to FIG. 8, a virtual CD / ATM function interworking real-time transaction history inquiry function of the VoIP terminal 480 shown in FIG. 3 is activated through the process shown in FIG. 5, and the virtual finance shown in FIG. Through the terminal recognition process, the VoIP terminal 480 shown in FIG. 3 is recognized as a virtual financial terminal (eg, CD / ATM), or the VoIP terminal is disabled through the VoIP communication function deactivation process shown in FIG. After the VoIP communication function of 480 is deactivated, the VoIP terminal 480 is based on real-time transaction history inquiry control information for controlling the real-time transaction history inquiry function linked to the virtual CD / ATM function through a widget program. In connection with the virtual financial terminal function of 480, the inquiry target account (except when one or more inquiry target account information associated with the widget information is registered in the financial institution server 435) and the inquiry period are automatically Determining (800), based on the transaction history inquiry function of the virtual CD / ATM-based non-face-to-face financial transactions through the VoIP account information (optional), query period information, widget information for the real-time transaction history inquiry The real-time transaction history inquiry request information including the above is generated (805).

Here, the inquiry target account, preferably comprises one or more real accounts, virtual accounts, online accounts determined by the user of the VoIP terminal 480, the VoIP terminal 480 is provided in the merchant (or store) In this case, it is preferable that the inquiry target account includes one or more accounts in which credit card authorization details are recorded in the ledger, and accounts in which the bank account deposit details are recorded in the ledger corresponding to the sales of the affiliated stores (or stores).

If the VoIP terminal 480 is provided in the affiliate store (or store), the real-time transaction history inquiry request information is the card company approval details corresponding to the sales of the affiliate store (or store) among the transaction history corresponding to the inquiry target account Preferably, the information further comprises a query target information for requesting to selectively view the transaction history including at least one bank deposit details, in this case, the real-time transaction history query is the transaction history corresponding to the inquiry target information is inquired It is preferable.

According to another exemplary embodiment of the present invention, when preset real-time transaction history inquiry request information is stored (or provided) in the VoIP terminal 480, the VoIP terminal 480 checks the set real-time transaction history inquiry request information. It is possible.

If the real-time transaction history inquiry request information including one or more target account information (optional), inquiry period information, and widget information for the real-time transaction history inquiry is generated (or confirmed) (810), the VoIP terminal 480 ) Generates a full transaction request message including the real-time transaction history inquiry request information based on the real-time transaction history inquiry control information through a widget program (815).

If a transaction request message including the real-time transaction history inquiry request information is generated 820, the VoIP terminal 480 is a virtual program of the VoIP terminal 480 based on the real-time transaction history inquiry control information through a widget program. In operation 825, the transaction request message is transmitted to the financial institution server 435 through a secure communication channel in association with a financial terminal function.

According to the non-face-to-face financial transaction control of the security module through the real-time transaction history inquiry control information for controlling the real-time transaction history inquiry function linked to the virtual CD / ATM function, a transaction request message for real-time transaction history inquiry is generated 800.

In more detail, FIG. 9 is based on the transaction request message in the financial company server 435 when the transaction request message is transmitted from the VoIP terminal 480 through a secure communication channel through the process shown in FIG. Regarding the VoIP terminal 480 as a virtual financial terminal, a process of processing a transaction inquiry corresponding to the transaction request message is a process, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified to infer various implementation methods for the process of processing the real-time transaction history inquiry linked to the virtual CD / ATM function through the VoIP, the present invention comprises all the inferred implementation methods, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9, when the transaction request message is transmitted from the VoIP terminal 480 through a secure communication channel through the process illustrated in FIG. 8, the financial institution server 435 may search for an account to be inquired through the secure communication channel. Receive a transaction request text including at least one of information (optional), inquiry period information, widget information (900), and check the validity of the widget information included in the transaction request text (905).

According to the exemplary embodiment of the present invention, the financial institution server 435 may check the validity of the widget information by comparing the widget information included in the transaction request text with the widget information stored in the storage medium 430.

If the validity of the widget information is confirmed (910), the financial institution server 435 checks the inquiry target account information corresponding to the full transaction request (915).

According to an embodiment of the present invention, when the transaction request message includes one or more inquiry target account information, the financial institution server 435 receives one or more inquiry target account information for the real-time transaction history inquiry from the transaction request message. It is desirable to confirm.

According to an exemplary embodiment of the present invention, when one or more inquiry target account information is not included in the transaction request text, and the widget information and one or more inquiry target account information are stored in association with the storage medium 430, the financial institution server 435 ) Checks one or more inquiry target account information stored in association with the widget information from the storage medium 430.

Thereafter, the financial institution server 435 confirms the transaction history information corresponding to the inquiry period information included in the transaction request text among the transaction history corresponding to the inquiry target account information (or card information) in association with the financial system (or Extraction) (920).

According to the method of the present invention, the financial institution server 435 is connected to the financial system during the period corresponding to the inquiry period information from the ledger corresponding to the inquiry target account information (or account information associated with the card information) It is desirable to check (or extract) the transaction history information.

If the transaction request to the inquiry request to selectively query the transaction history that includes at least one of the transaction history corresponding to the inquiry target account, the card company approval history corresponding to the sales of the merchant (or store), the bank account deposit details; If the information is included, the financial institution server 435 is the inquiry target of the transaction history information during the period corresponding to the inquiry period information from the ledger corresponding to the inquiry target account information (or account information associated with the card information) It is preferable to confirm (or extract) the transaction history information corresponding to the information.

If the transaction history information is confirmed (or extracted) (925), the financial institution server 435 generates a transaction response message including the confirmed (or extracted) transaction history information (930).

If the transaction response message is generated (935), the financial institution server 435 transmits the generated transaction response message to the VoIP terminal 480 through the secure communication channel (940), and correspondingly the VoIP The terminal 480 receives the transaction response message and outputs transaction history information included in the received transaction response message (945).

According to an embodiment of the present invention, it is preferable that the process of querying real-time transaction history linked to the virtual CD / ATM function through VoIP shown in FIGS. 8 to 9 is repeated periodically.

10 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal 480 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a virtual financial terminal function of the VoIP terminal 480 through the process illustrated in FIG. 9 after the VoIP communication function of the VoIP terminal 480 is deactivated through the process illustrated in FIG. When the interlocked real-time transaction history inquiry is completed or the secure communication channel between the VoIP terminal 480 and the financial institution server 435 is released, and when the real-time transaction history inquiry (or secure communication channel release) is confirmed, the VoIP The process of activating a VoIP communication function (eg, a VoIP-based voice call function or a VoIP-based data communication function) of the terminal 480, and a person skilled in the art to which the present invention pertains, FIG. By referring to and / or modifying the present invention, various implementation methods for the process of activating the VoIP communication function of the VoIP terminal 480 may be inferred. Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 10.

Referring to FIG. 10, the VoIP terminal 480 is deactivated by the VoIP communication function of the VoIP terminal 480 through the process illustrated in FIG. 7 and then the VoIP terminal 480 through the process illustrated in FIG. 9. The real-time transaction history inquiry in conjunction with the virtual financial terminal function of the complete or check whether the secure communication channel between the VoIP terminal 480 and the financial institution server 435 is released (1000).

If the real-time transaction history inquiry (or secure communication channel release) is not confirmed (1005), the VoIP terminal 480 checks whether the real-time transaction history inquiry function is executed according to a preset condition (or cycle). If the execution of the real-time transaction history inquiry function is confirmed (1015), the VoIP terminal 480 repeats the processes shown in FIGS. 5 to 8 according to the communication channel connection condition.

On the other hand, if the real-time transaction history inquiry (or secure communication channel release) is confirmed (1005), the VoIP terminal 480 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP based data communication function) to be activated (1020).

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 480 may include all communication through the VoIP terminal 480. (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 480 is activated (1025), the VoIP terminal 480 is connected to a VoIP server (eg, a gateway, Or transmits the VoIP communication activation information to the gatekeeper (1030), and in response, the VoIP server recognizes that the VoIP terminal 480 is capable of making a voice call (or transmitting and receiving a message) through the VoIP communication activation information. 1035, the original VoIP communication function provided in the VoIP terminal 480 is restored.

According to the present invention, a VoIP terminal which recognizes a VoIP terminal as a virtual CD / ATM is provided with a widget interoperating with the virtual CD / ATM function in a VoIP terminal providing a non-face-to-face financial transaction. There is an advantage that can be inquired conveniently and safely in real time.

According to the present invention, when the VoIP terminal is provided in an affiliated store (or a store), there is an advantage in that the VoIP terminal can easily and safely inquire the credit card approval details and the unpaid deposit details in real time.

Claims

A non-face-to-face financial transaction using a key input means, a screen output means, a card reader, and a virtual financial terminal through the card reader, including one or more CD (Cash Dispenser) and ATM (Automatic Teller Machine). Real-time transaction inquiry through the VoIP terminal having a security module for storing the real-time transaction history inquiry control information for controlling the real-time inquiry of the transaction history for one or more inquiry target account through the control of the security module; In the method,

Activating a real-time transaction history inquiry function for the inquiry target account through the control of the security module;

Generating real-time transaction history inquiry request information for one or more inquiry target accounts based on real-time transaction history inquiry control information stored in the memory unit;

According to the control of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal performs a virtual financial transaction. Processing to be recognized as a terminal;

Transmitting the real-time transaction history inquiry request information to a financial institution server through the secure communication channel according to the virtual financial terminal function control of the security module;

Receiving the inquiry result information corresponding to the real-time transaction history inquiry request information from the financial institution server and outputting the information through the screen output means; the VoIP terminal having a virtual financial terminal function, comprising: Real-time trading inquiry method through.

The method of claim 1,

Transmitting security module information and VoIP terminal information to a server on a communication network;

Receiving virtual financial terminal activation information corresponding to the security module information and VoIP terminal information from a server on the communication network to activate a virtual financial terminal function;

And connecting an end-to-end secure communication channel based on encryption / decryption with a financial institution server according to the control of the virtual financial terminal function of the security module.

The server of claim 2, wherein the server on the communication network comprises:

Or a VoIP communication company server connected to the VoIP terminal, or

Or a relay server for relaying the VoIP terminal and the financial company server, or

Real-time transaction inquiry method through the VoIP terminal, characterized in that it comprises a financial company server for processing the non-face-to-face financial transaction for the VoIP terminal.

The method of claim 1, wherein the security module,

A virtual financial terminal information for recognizing the VoIP terminal as a virtual financial terminal according to a financial terminal operation procedure and policy for each financial institution set in each financial institution in the financial institution server to which the VoIP terminal and the end-to-end secure communication channel are connected; Non-face-to-face financial transaction control information that controls the VoIP terminal to process non-face-to-face financial transactions according to the financial terminal operation procedures and policies for each financial institution, and each non-face-to-face through the VoIP terminal according to the non-face-to-face financial transaction control information. A non-face-to-face financial transaction authentication function for authenticating a financial transaction step and one or more key values and protocols for the non-face-to-face financial transaction authentication.

The method of claim 1, wherein the real-time transaction history inquiry request information,

Inquire transaction details about one or more accounts determined by the VoIP terminal user in real time, or

Real-time inquiry of card company approval history corresponding to VoIP terminal user, or

A real-time transaction inquiry method through a VoIP terminal, characterized in that it comprises information for real-time inquiry of the bank account deposit details corresponding to the VoIP terminal user.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

A non-face-to-face financial transaction using a key input means, a screen output means, a card reader, and a virtual financial terminal through the card reader, including one or more CD (Cash Dispenser) and ATM (Automatic Teller Machine). In the VoIP terminal having a security module and a memory unit for storing the real-time transaction history inquiry control information for controlling the real-time inquiry of the transaction history for the at least one inquiry target account through the control of the security module,

A real time inquiry control unit for activating a real time transaction history inquiry function for the above inquiry target account through the control of the security module;

An information generation unit for generating real-time transaction history inquiry request information for one or more inquiry target accounts based on real-time transaction history inquiry control information stored in the memory unit;

Transmitting the generated real-time transaction history inquiry request information to the financial institution server through the secure communication channel, receiving transaction history information corresponding to the real-time transaction history inquiry request information from the financial institution server, and outputting the transaction history information through the screen output means; Professional processing unit; VoIP terminal having a real-time transaction inquiry function, characterized in that comprises a.