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WO2013169053A1 - Système numérique pour effectuer des transactions financières, système de concordance effectuant une concordance avec le système numérique, et procédé de transaction financière - Google Patents

Système numérique pour effectuer des transactions financières, système de concordance effectuant une concordance avec le système numérique, et procédé de transaction financière Download PDF

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Publication number
WO2013169053A1
WO2013169053A1 PCT/KR2013/004129 KR2013004129W WO2013169053A1 WO 2013169053 A1 WO2013169053 A1 WO 2013169053A1 KR 2013004129 W KR2013004129 W KR 2013004129W WO 2013169053 A1 WO2013169053 A1 WO 2013169053A1
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WO
WIPO (PCT)
Prior art keywords
pair
financial transaction
digital
digital system
financial
Prior art date
Application number
PCT/KR2013/004129
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English (en)
Korean (ko)
Inventor
김동진
김대진
심충섭
Original Assignee
주식회사 씽크풀
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Priority claimed from KR1020130052664A external-priority patent/KR101385723B1/ko
Application filed by 주식회사 씽크풀 filed Critical 주식회사 씽크풀
Publication of WO2013169053A1 publication Critical patent/WO2013169053A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a digital system capable of performing financial transactions, a pair system paired with the digital system, and a method of providing the same. More particularly, the present invention relates to a pair of a predetermined digital system, that is, a pair paired with the digital system. The present invention relates to a system and a method for providing the same, which can safely perform a financial transaction through the digital system or a financial transaction through the pair system.
  • online financial transactions are mainly used for services such as transfer and payment through the Internet.
  • Such online financial transactions can be performed by digital systems such as computers (eg, desktops, laptops, tablet PCs, etc.), IPTV, set-top boxes, mobile phones, etc.
  • computers eg, desktops, laptops, tablet PCs, etc.
  • IPTV IPTV
  • set-top boxes mobile phones, etc.
  • the fraudulent user may perform financial transactions while pretending to be a legitimate user.
  • financial information eg, account information, card information, password, authentication information, etc.
  • offline financial transactions include, for example, financial transactions such as inquiry, deposit, withdrawal, and remittance through financial automated devices such as ATM (Automatic Teller's Machine) and various card payments using credit cards, check cards, cash cards, or recently mobile.
  • financial automated devices such as ATM (Automatic Teller's Machine) and various card payments using credit cards, check cards, cash cards, or recently mobile.
  • ATM Automatic Teller's Machine
  • Such offline financial transactions have also been exposed to fatal risks if the payment method is lost or stolen.
  • financial transactions through cards eg, credit cards, check cards, cash withdrawal cards, etc.
  • cards are seriously threatened due to the illegal copying of cards.
  • the technical problem to be achieved by the present invention is to provide a system and a method of providing the same that can significantly increase the security in online and offline financial transactions, specifically, can perform financial transactions through communication with the financial transaction system.
  • the present invention provides a system and a method of providing the same for controlling a financial transaction function of a digital system using a predetermined pair system paired with the digital system.
  • the pair system is an independent financial transaction means, it is to provide a system and a method for providing the same that can control the financial transaction of the pair system using the digital system.
  • financial information of a pair system means identification information and / or payment that can identify an individual that a pair system or a digital system can store to conduct a financial transaction with a financial transaction system).
  • financial information means identification information and / or payment that can identify an individual that a pair system or a digital system can store to conduct a financial transaction with a financial transaction system.
  • the digital system performs a financial transaction, thereby providing a system that can be implemented so that the digital system does not store financial information itself and a method of providing the same.
  • a system capable of controlling the financial transaction function of the digital system may be attached to a predetermined object or device so that only a legitimate user can know, so that the pair system is less likely to be attacked or stolen. To provide a way.
  • the present invention provides a system and a method capable of blocking illegal financial transactions by illegal copying of a card system (eg, a pair system) by performing only when a financial transaction is paired.
  • a card system eg, a pair system
  • the present invention provides a system and method for blocking financial transactions.
  • the pair system is a card system
  • a digital system for requesting a financial transaction to the financial transaction system by communicating with a predetermined financial transaction system capable of performing a financial transaction is financed by the financial transaction system.
  • the financial transaction module may delete the received pair financial information after transmitting the received pair financial information to the financial transaction system.
  • the pair module receives identification information of the pair system through predetermined communication with the pair system, receives identification information of the pair system through a predetermined application installed in the digital system, or inputs the digital system to the pair system. Or performing pair formation procedure for specifying a pair system constituting a pair with the digital system by transmitting identification information of the pair module, wherein the control module is configured to identify the pair system and the pair specified through the pair formation procedure.
  • the control module is configured to identify the pair system and the pair specified through the pair formation procedure.
  • the pair system may include a communication device capable of performing RF communication with the pair module and a storage device storing pair financial information previously stored in the pair system.
  • control module determines that the digital system and the pair system are paired
  • the control system transmits a control signal to the pair financial transaction system to request a financial transaction, and the pair financial transaction system must receive the control signal. It may be characterized by allowing the financial transaction requested from the pair system.
  • the digital system determines that the pairing system is not paired, the digital system requests additional authentication in a predetermined manner.
  • the digital system enables the financial transaction module even though the pairing system is not paired. Or by controlling the financial transaction corresponding to the financial transaction request by outputting the control signal to the financial transaction system.
  • a digital system for communicating with a predetermined financial transaction system to solve the technical problem and requesting a financial transaction to the financial transaction system includes a financial transaction module for performing a financial transaction request to the financial transaction system and a predetermined pair system. And a pair module for performing communication with the pair module, and determining whether the pair module and the pair system are paired, and determining that the pair is paired, controlling the financial transaction module or transmitting a control signal to the financial transaction system. And a control module for controlling a financial transaction corresponding to the financial transaction request, wherein the control module transmits identification information of the pair system and identification information of the digital system received from the pair system to the financial transaction system. To request financial transactions The financial transaction system checks whether the pair system and the digital system are set to a pair in advance based on the identification information of the pair system and the identification information of the digital system. Only the device allows the financial transaction.
  • the control module generates mixed identification information by mixing identification information of the pair system and identification information of the digital system through a predetermined algorithm, and transmits the generated mixed identification information to the financial transaction system.
  • the controller may determine whether the pair system and the digital system are preset devices as pairs based on the received mixed identification information.
  • the pair system set in advance to pair with a predetermined digital system for solving the technical problem may store the identification information of the digital system in advance or the digital system may store the identification information of the pair system in advance.
  • the pair system is set as a pair to each other, the pair system is a communication device capable of performing RF communication with the digital system, the pair is pre-stored in the pair system is transferred to the pair financial transaction system used for pair financial transactions
  • a storage device for storing information and whether or not to be paired with the digital system are determined, or a control signal indicating whether or not to be paired is received from the digital system to determine whether pairing has been performed, and predetermined disable information according to the determination result. Save the above If the value is selectively disabling information to the storage device control apparatus, comprising: a for storing stored in is characterized in that by the pair of financial transaction systems which do not allow the financial transaction using the financial data pair.
  • a method of providing a digital system capable of performing a financial transaction request with a predetermined financial transaction system for solving the technical problem includes the steps of the digital system attempting to communicate with the digital system and a predetermined pair system. Determining whether the pairing system is paired with the paired system, and when determining that the pairing is performed, the digital system transmits the paired financial information of the paired system received from the paired system to the financial transaction system to perform a financial transaction. Requesting, wherein the pair system is paired with the digital system and is a system set in advance in the digital system or the financial transaction system, and the pair financial information is transmitted to the financial transaction system by the digital system. , By means of the financial transaction system it is characterized in that allows the financial transactions.
  • the digital system providing method further includes the digital system transmitting the identification information of the pair system and the identification information of the digital system received from the pair system to the financial transaction system, the financial transaction system received On the basis of the identification information of the pair system and the identification information of the digital system, it is determined whether the pair system and the digital system are pre-paired devices, and as a result of the confirmation, the device must be previously set as a pair to allow the financial transaction. Can be.
  • the digital system transmitting the identification information of the pair system and the identification information of the digital system received from the pair system to the financial transaction system, the digital system identification information of the pair system and identification information of the digital system Generating mixed identification information by mixing through a predetermined algorithm, and transmitting the generated mixed identification information to the financial transaction system, wherein the financial transaction system is based on the received mixed identification information; It is characterized by checking whether the digital system is a device set as a pair in advance.
  • the method for providing a pair system set to pair with a predetermined digital system for solving the technical problem is based on the step of determining whether the pair system is paired with the digital system that is paired with the pair system and based on the determined pairing. And selectively storing the disable information in a storage device storing the pair financial information used for the pair financial transaction by transmitting the pair system to the pair financial transaction system, wherein the disable information is stored in the storage device. In this case, the financial transaction using the pair financial information requested from the pair system may not be permitted by the pair financial transaction system.
  • At least the financial transaction function of the digital system can be activated only if it exists within a certain distance from the pair system, so that the digital system and the pair system are not lost together.
  • a malicious occupant is effective in preventing financial transactions through the digital system or the pair system.
  • the pair system may be implemented to be attached to a predetermined device, or may be easily carried, and thus, the pair system may be attached to a portable object or directly carried by the user. If the distance of more than a predetermined distance has the effect that the financial transaction is not performed through the digital system. Accordingly, there is an effect that an illegal user can be prevented from using the digital system to perform an illegal financial transaction.
  • a pair system e.g., which can be used as an independent payment method
  • a digital system e.g., inputting information for financial transactions such as credit card information
  • the digital system may not be separately stored in the digital system, and separately from the digital system.
  • the digital system By storing financial information used for financial transactions in a pair system owned by a user, it is possible to reduce psychological anxiety about financial information leakage that may occur due to storing important financial information in a digital system, and a safe financial trading environment. There is an effect that can provide.
  • the request of the financial transaction may not be performed at the user terminal at all, and thus, the Internet or the mobile such as an electronic commerce or game using the financial transaction system or the payment system, etc.
  • the Internet or the mobile such as an electronic commerce or game using the financial transaction system or the payment system, etc.
  • the pair system must also exist within a certain distance from the digital system to perform the financial transaction function, so that the financial system function is deactivated even if the pair system is stolen or lost and occupied by a malicious user.
  • the pair system is a financial means such as a credit card that can perform a credit financial transaction
  • the user can simply cause a fatal damage to a user in case of loss or theft by simply authenticating a user through a signature or the like.
  • a financial means such as a credit card does not function within a certain distance from a paired digital system, it can effectively increase the stability of the financial transaction environment.
  • the pair system is a system that the owner can carry in the wallet or body, such as a card may cause inconvenience to take out and reinsert the card in order to make a financial transaction
  • the technical idea of the present invention Since a financial transaction using the financial information of the card is possible using a digital system, there is an effect of eliminating the inconvenience and easily performing a financial transaction such as payment or authentication.
  • the user can recognize this, thereby preventing the digital system and / or the paired system from being lost or unwanted.
  • a pair of pre-registered pairs can be checked whether the paired digital system and the pairing system are paired with each other, and whether the systems are registered in the digital system or the financial transaction system in advance. In case of non-pairing by the system and the digital system, financial transactions can be blocked, thereby increasing the security.
  • FIG. 1 is a view showing a schematic configuration for implementing a financial transaction method according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating a schematic configuration of a digital system according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating an example of a method in which a digital system and a pair system form a pair according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating an example of a method in which a digital system and a pair system form a pair according to another embodiment of the present invention.
  • FIG. 5 is a diagram illustrating an implementation example of a pair system according to an embodiment of the present invention.
  • FIG. 6 is a view showing a schematic configuration of a pair system according to an embodiment of the present invention.
  • FIG. 7 is a view for explaining a process in which a financial transaction occurs through a digital system according to a financial transaction method according to an embodiment of the present invention.
  • FIG. 8 is a diagram for describing a process in which a financial transaction occurs through a pair system according to an embodiment of the present invention.
  • FIG. 9 is a diagram for describing a process in which a financial transaction occurs through a pair system according to another embodiment of the present invention.
  • the component when one component 'transmits' data to another component, the component may directly transmit the data to the other component, or through at least one other component. Means that the data may be transmitted to the other component.
  • FIG. 1 is a view showing a schematic configuration for implementing a financial transaction method according to an embodiment of the present invention.
  • a digital system 100 and a pair system 200 may be provided to implement a financial transaction method according to an exemplary embodiment of the present invention.
  • the digital system 100 may be defined as including all types of data processing devices capable of performing financial transactions online or offline.
  • the digital system 100 is illustrated in the form of a mobile phone only in FIG. 1, as long as it can perform financial transactions such as a computer, a laptop, a tablet, an IPTV, a smart TV, a set-top box, a remote control, a home automation device, Implementations may vary.
  • the digital system 100 may perform financial transactions using a predetermined financial transaction system 300.
  • the digital system 100 performs a financial transaction using the financial transaction system 300
  • the digital system 100 provides a predetermined wired / wireless network with financial information necessary for financial transaction in order to perform a financial transaction.
  • This may mean performing a series of procedures, such as transmitting to the financial transaction system 300 or receiving predetermined information (for example, information required for authentication) from the financial transaction system 300 through communication through the communication through the communication system. have.
  • the pair system 200 which will be described later, performs a pair financial transaction using the pair financial transaction system.
  • FIG. 1 through the wired / wireless Internet is an embodiment of the present invention.
  • Figure is a schematic diagram for implementing a financial transaction method according to.
  • a digital system 100 and a pair system 200 may be provided to implement a financial transaction method according to an exemplary embodiment of the present invention.
  • the digital system 100 may be defined as including all types of data processing devices capable of performing financial transactions online or offline.
  • the digital system 100 is illustrated in the form of a mobile phone only in FIG. 1, as long as it can perform financial transactions such as a computer, a laptop, a tablet, an IPTV, a smart TV, a set-top box, a remote control, a home automation device, Implementations may vary.
  • the digital system 100 may perform financial transactions using a predetermined financial transaction system 300.
  • the digital system 100 performs a financial transaction using the financial transaction system 300
  • the digital system 100 provides a predetermined wired / wireless network with financial information necessary for financial transaction in order to perform a financial transaction.
  • This may mean performing a series of procedures, such as transmitting to the financial transaction system 300 or receiving predetermined information (for example, information required for authentication) from the financial transaction system 300 through communication through the communication through the communication system. have.
  • the pair system 200 which will be described later, performs a pair financial transaction using the pair financial transaction system.
  • the digital system 100 or the pair system 200 performs a financial transaction using the financial transaction system 300 or the pair financial transaction system.
  • Financial transactions using NFC, infrared, etc.) financial transactions using information recorded on magnetic cards, and financial transactions using information stored on IC chips.
  • the financial transaction system 300 may be a financial-related automation device such as a predetermined ATM (Auto Teller's Machine, 310) or a predetermined web server (eg, a web of a financial institution) according to the type of financial transaction performed by the digital system 100.
  • a server providing a site, a server capable of performing online payment, etc. 320), a predetermined card reader 330, and the like may be various.
  • the digital system 100 may request a financial transaction through a predetermined web server and a wired / wireless internet.
  • the digital system 100 may request a financial transaction from the ATM 310 through wireless communication (for example, RF communication such as Bluetooth, Near Field Communication (NFC), or optical communication).
  • the digital system 100 may request a financial transaction through a wireless communication to a predetermined card reader 330.
  • the financial transaction system 300 determines whether to permit the financial transaction in a predetermined manner. However, according to the technical idea of the present invention, whether the financial transaction is allowed may be determined depending on whether the pair system 200 is in a paired state with the digital system 100. Of course, the authentication by the financial transaction system 300 may be further performed. In some embodiments, when the pairing is not performed, the financial transaction request may not be output to the financial transaction system 300. If such pairing is not performed, the financial transaction system 300 prevents the financial transaction request from being output to the financial transaction system 300 at all. The financial transaction system 300 receives the received financial transaction request at least from the digital system 100 and the pair system 200. ) Has the effect of knowing that it is paired.
  • the financial transaction system 300 does not perform separate authentication according to an embodiment. It may not. In this case, the financial transaction system 300 does not have to separately store the financial information of the individual for authentication of the financial transaction.
  • the digital system 100, the pair system 200, and the digital system 100 and the pair system 200 must be paired with each other so that the financial transaction can be successfully performed. And / or the financial transaction system 300 may be implemented.
  • Whether or not the paired state may be determined according to whether a communication state between the digital system 100 and the pair system 200 satisfies a predetermined criterion.
  • the communication state may depend on the distance between the digital system 100 and the pair system 200.
  • the digital system 100 and the pair system 200 perform wireless communication (eg, RF communication)
  • the digital system 100 and the pair system 200 may be further affected by the communication environment between the digital system 100 and the pair system 200. have.
  • the communication state since the digital system 100 and the pair system 200 assume a daily living environment of a person, the communication state has a dominant influence on the distance between the digital system 100 and the pair system 200. Can be assumed to receive
  • when there is an object that can interfere with the wireless communication between the pair system 200 or the digital system 100 even if the distance is close enough may not be paired.
  • the digital system 100 and the pair system 200 may perform communication.
  • a signal having a predetermined size or more may be transmitted to the digital system 100 and / or the pair system 200. That is, in a general communication environment, it may mean that the digital system 100 and the pair system 200 exist within a communication distance capable of communicating with each other, or exist within a predetermined distance shorter than the communication distance. Can be.
  • the communication between the digital system 100 and the pair system 200 may be performed in various ways. And it is well known that in this manner, the distance and / or environment in which pairing is possible may vary. Communication between the digital system 100 and the pair system 200 may be, for example, various embodiments, such as Bluetooth, NFC, infrared communication, optical communication. In addition, a communication device for such communication may be provided in the digital system 100 and the pair system 200, respectively.
  • the digital system 100 and the pair system 200 may perform RF communication.
  • the digital system 100 and the pair system 200 may perform communication using a wireless standard protocol such as Bluetooth, Zigbee, or the like.
  • the pair system 200 may also have its own power supply or may be a system that can receive power from the outside.
  • Zigbee communication there may be an advantage that communication is possible at a lower power than Bluetooth.
  • the digital system 100 and the pair system 200 may perform various short range wireless communication (eg, IrDA, UWB, etc.), and according to the type of wireless communication, the digital system 100 and The pair system 200 may be provided with predetermined components for an environment required for the corresponding wireless communication.
  • various short range wireless communication eg, IrDA, UWB, etc.
  • the pair system 200 may be a system driven by an RF signal output from the digital system 100 without its own power supply.
  • the pair system 200 may be implemented as an RFID tag or a predetermined device including the RFID tag.
  • the digital system 100 may serve as a reader capable of communicating with the RFID tag.
  • the digital system 100 may output a predetermined RF signal to search the pair system 200 or receive predetermined information stored in the pair system 200.
  • the communication distance between the digital system 100 and the pair system 200 may vary according to the output power of the digital system 100.
  • a user may move within a predetermined distance to pair the digital system 100 and the pair system 200. It may be necessary to locate the digital system 100 and the pair system 200.
  • the pair system 200 may be a payment means capable of performing a financial transaction independently of the digital system 100, and the pair system 200 is the digital system 100 according to the technical spirit of the present invention. It may be a system implemented to determine whether it is paired with a self. For example, the pair system 200 has a unique computing power and storage capacity, a system in which a predetermined RF communication device for the technical idea of the present invention is added to an IC card or a smart card that a user can perform a financial transaction. Can be. In some implementations, the pair system 200 may also be implemented as a digital system as described above.
  • a PC or a notebook may be the digital system 100, and a smart phone or a tablet PC may be implemented as the pair system 200.
  • a digital system functioning as the pair system 200 or an application for executing a financial transaction is laid.
  • at least pairing devices must be attached or laid down for pairing with the digital system.
  • a predetermined communication device for implementing the technical idea of the present invention may be connected to the digital system 100 and / or the pair system 200 through a predetermined interface (for example, a USB interface).
  • a predetermined interface for example, a USB interface
  • the digital system 100 is a desktop PC
  • a predetermined communication device for implementing the technical idea of the present invention may be connected to the desktop, and the communication device connected to the desktop is in accordance with the technical idea of the present invention. It can also function as a pair module.
  • the pair system 200 may be a system that merely forms a pairing with the digital system 100 according to the technical spirit of the present invention.
  • the pair system 200 may be implemented as a system 220 implemented to have only a minimum of functions capable of pairing with the digital system 100, and the pair system 200 is a predetermined communication device.
  • an RF communication device (antenna, etc.) may be included or the communication device itself.
  • the RF tag or communication device (eg, RF communication device, etc.) may be provided with a predetermined storage device (eg, EEPROM, etc.) and / or an IC chip.
  • the pair system 200 may be implemented to be attached or inserted into a target object such as a predetermined object or device.
  • the pair system 200 may have a predetermined adhesive surface or may have a housing to be fitted to the target object.
  • the target object may be variously determined by a user's selection.
  • the pair system 200 may be a system in which a communication device (eg, an RF communication device, etc.) for the pairing function is embedded in an object that is made for a separate function even though it is not a financial transaction means.
  • a communication device eg, an RF communication device, etc.
  • the pair system 200 may be implemented in a wide variety of forms as long as it includes a communication device capable of pairing with the digital system 100.
  • the pair system 200 may be a payment means capable of independently performing a financial transaction, or may be implemented as a system having only a function for pairing.
  • the pair system 200 may be implemented to be attached or fitted to other objects, or may be generated as an independent object.
  • the pair system 200 may be a system determined by a manufacturer or distributor of the digital system 100 to be paired with a specific digital system 100 in advance, or may be selectively paired with the digital system by a user. It may be a system implemented to achieve. Or it may be a system implemented by the operating entity or security entity of the financial transaction system.
  • a manufacturer of the digital system 100 may determine the pair system 200 that may be paired with the digital system 100 in advance.
  • a user may select the pair system 200 to be paired with the digital system 100.
  • the pair system 200 or the digital system 100 may be determined by an operating entity or a security entity of the financial transaction system.
  • a financial institution that operates a financial transaction system may attach or embed a predetermined pairing system capable of implementing the technical idea of the present invention while issuing a credit card or a security card.
  • a predetermined application for implementing the technical idea of the present invention in the digital system 100 used when accessing the financial transaction system for financial transactions. Then, the financial transaction method may be implemented so that the financial transaction is made only when the digital system 100 and the pair system 200 are paired.
  • the determining agent for determining the digital system 100 or the pair system 200 may vary depending on the implementation method and the need, and the subject need not be limited. .
  • the pair formation procedure may include a process in which the digital system 100 or the pair system 200 receives identification information of the pair system 200 or the digital system 100. That is, the digital system 100 and the pair system 200 may perform the pair forming procedure through direct communication. According to an embodiment, the pair forming procedure may be performed by a user inputting identification information of the pair system 200 or the digital system 100 to the digital system 100 or the pair system 200. .
  • the pair formation procedure may be performed by registering the identification information of the digital system 100 and / or the identification information of the pair system 200 which are paired with each other in the financial transaction system 300. .
  • the user of the pair transaction system 200 paired with the digital system 100 and / or identification information of the digital system 100 to the financial transaction system 300, for example, a payment gateway company or a financial institution.
  • Identification information can be registered in advance.
  • the financial transaction system 300 may recognize and register identification information of the digital system 100 and / or the pair system 200 through various methods.
  • the pair system that communicated with the digital system 100 by the financial transaction system 300 must be a pair system 200 registered (set) to pre-pair with the digital system 100.
  • the transaction can be controlled to allow.
  • the paired pair system is a pair system registered in advance in the digital system 100 or the financial transaction system 300. Only 200 may result in financial transactions.
  • the control module 110 included in the digital system 100 is a pair system corresponding to the registered identification information.
  • the digital system 100 or the financial transaction system 300 may be controlled to request a financial transaction only when pairing with the 200 is performed.
  • the financial transaction system 300 receives the information from the digital system 100. Receives identification information of a pair system and identification information of the digital system 100, and determines whether the pair system is a device previously set as a pair with the digital system 100 based on the identification information of the pair system received You can also decide whether to allow the transaction.
  • the digital system 100 may transmit the identification information of the pair system and the identification information of the digital system to the financial transaction system 300 as it is or through encryption.
  • the identification information of the pair system 200 that the digital system 100 can receive is information that can be easily accessed by the digital system 100 through pairing, an attacker of the pair system 200 In the case of obtaining the identification information, there may be a risk that a false financial transaction request may be possible.
  • the digital system 100 does not transmit the identification information of the digital system 100 and the pair system 200 to the financial transaction system 300, but rather the identification information and the pair system ( By combining the identification information of 200) and transmitting the mixed identification information, such an attack or security risk can be reduced.
  • the mixed identification information is information that can be identified from the identification information of the digital system 100 and the identification information of the pair system 200. However, even if the encryption or encoding is released, the identification of the digital system 100 is not known in advance.
  • the identification information of the digital system 100 and the identification information of the pair system 200 may be mixed so that the information and the identification information of the pair system 200 are not known.
  • the control module 110 of the digital system 100 selects two pieces of identification information.
  • the mixture may be mixed through an algorithm to generate mixed identification information.
  • the algorithm may be an algorithm that mixes each digit of the identification information.
  • the control module 110 may generate mixed identification information such as “ab45c16e23fg” by mixing digital data of the identification information of the digital system 100, and transmit the generated mixed identification information to the financial transaction system 300. have.
  • the financial transaction system 300 may also know in advance which algorithm is the algorithm. Therefore, the financial transaction system 300 restores the mixed identification information received from the digital system 100 back to the identification information of each of the digital system 100 and the pair system 200, that is, "abc123" and "456efg". Can be. Based on the restored identification information, whether the digital system 100 and the pair system 200 are paired with each other may be determined by the information preset in the financial transaction system 300.
  • the pair system 200 when the pair system 200 is a system capable of performing a predetermined function (for example, a financial transaction function), the pair system 200 may also use the digital system in order to use the function. Can only be performed when paired with 100).
  • the pair system 200 when the pair system 200 is also implemented as a credit card capable of independently financial transactions, in order to make a payment with the credit card, the credit card may also be paired with the digital system 100. Therefore, if pairing is not performed, the user may not be able to perform a financial transaction through the credit card.
  • the person who performs the financial transaction must own or occupy both the digital system 100 and the pair system 200 to perform the financial transaction. Therefore, even if financial information or authentication information is exposed or a card is copied, financial transactions are not allowed unless the digital system 100 and the pair system 200 are both owned or occupied. The effect is significantly higher.
  • the digital system 100 and / or the pair system 200 capable of performing financial transactions according to the technical spirit of the present invention may be specified in advance.
  • identification information of the digital system 100 and / or the pair system 200 capable of performing financial transactions may be registered in advance.
  • the financial transaction system 300 checks whether the digital system that makes the financial transaction request is a pre-registered digital system 100, and receives a financial transaction request from the pre-registered digital system 100. Can be allowed.
  • the financial transaction system 300 may confirm whether the pair system paired with a predetermined digital system is a pair system 200 registered in advance, and allow financial transactions according to the verification result.
  • the digital system 100 may further transmit its identification information to the financial transaction system 300 while performing a financial transaction request to the financial transaction system 300.
  • the identification information of the pair system 200 which is paired with itself may be further transmitted.
  • the financial transaction system 300 checks whether the pair system paired with the digital system 100 is a preset device to pair with the digital system 100, and selectively allows financial transactions according to a confirmation result. can do.
  • the digital system 100 and / or the pair system 200 may confirm whether the system is registered in advance, and selectively allow financial transactions according to the confirmation result.
  • the pair system 200 when the pair system 200 is implemented so that the user can be attached to or inserted into a target object, such as a predetermined object arbitrarily, it is difficult for others to recognize what the target object is for authentication of financial transactions Loss or theft of the authentication means (ie, the pair system 200) may be difficult.
  • the pair system 200 when the pair system 200 is an independent payment means, a user may make a payment to the pair system 200 through the digital system 100.
  • the digital system 100 when the digital system 100 is a system for performing payment through RF communication, and the pair system 200 is an IC card for storing payment information (eg, card information, user information, etc.), the digital The system 100 may receive the payment information from the pair system 200 and perform payment with the payment information.
  • the digital system 100 since the digital system 100 does not need to store payment information separately, security is further enhanced.
  • the digital system 100 stores its own payment information (for example, payment information of the IC card or other credit card payment information), and may perform payment using its own payment information. .
  • the financial transaction method according to an embodiment of the present invention may be selected to selectively use a function (hereinafter referred to as a pairing financial transaction function) that the financial transaction is allowed only when the pairing is performed as described above.
  • a pairing financial transaction function a function that the financial transaction is allowed only when the pairing is performed as described above.
  • the user may temporarily disable the pairing financial transaction function through a predetermined authentication procedure. For example, a user who wants to make a financial transaction using only the digital system 100 may perform an additional authentication procedure.
  • the digital system 100 may not be paired with the pair system 200.
  • the transaction can be performed normally.
  • an additional authentication procedure may be performed through the pair system 200 and a financial transaction may be performed using the pair system 200.
  • the pair system 200 it may be preferable that the pair system 200 be implemented to perform the additional authentication procedure through the pair system 200.
  • the additional authentication procedure is for releasing the pairing financial transaction function separately from an authentication procedure (for example, input of a password) that is conventionally performed to perform a financial transaction with the digital system 100 or the pair system 200. It can mean authentication process.
  • the additional authentication procedure may be performed through, for example, a password, a secret pattern, biometric information (eg, fingerprint, iris, etc.), but various embodiments may be possible.
  • a predetermined alarm signal when the digital system 100 or the pair system 200 is separated from the digital system 100 and the pair system 200 by a predetermined distance or more, a predetermined alarm signal is generated.
  • the alarm signal may be a predetermined voice signal, a visual signal using a lamp or predetermined display information, or may be a tactile signal such as a vibration.
  • the digital system 100 may be turned off or disabled to output the alarm signal.
  • the pair system 200 may be implemented.
  • the digital system 100 or the pair system 200 usually maintains a predetermined function or device for a financial transaction, and the pair system 200 or the digital system 100 When pairing, the function or device can be enabled.
  • the digital system 100 or the pair system 200 normally maintains a predetermined function or device for a financial transaction, and then the pair system 200 or the digital system.
  • the pairing with the 100 is released, the function or the device may be disabled.
  • the user may turn off the pairing function of the digital system 100 and / or the pair system 200.
  • the digital system 100 and the pair system 200 are not paired, and thus the financial transaction is performed at all. It may not be. Therefore, even when a fraudulent user possesses the digital system 100 or the pair system 200 within a distance that can be paired, the financial transaction may not be performed at source.
  • a user disables a pair module (or a communication device (for example, an RF communication device), etc.) that performs a pairing function according to the spirit of the present invention to the digital system 100 (or the pair system 200). You can enter a request. Then, the pairing function of the digital system 100 (or the pair system 200) may be turned off.
  • the digital system 100 and the pair system 200 are preferably paired first.
  • the digital system 100 or the pair system 200 may enable or disable a function for financial transactions in software, or may enable or disable a predetermined device.
  • the function or device may be, for example, a communication function or a communication device (eg, a network device) in which the digital system 100 communicates with the financial transaction system 300 when the financial transaction performed is an online financial transaction through the wired or wireless Internet. Etc.) may be used.
  • the financial transaction when the financial transaction is an RF communication, the financial transaction may be controlled not to use the RF communication function, or may be controlled to not use the communication device or the module itself for the RF communication.
  • the digital system 100 transmits a predetermined control signal or control information to the financial transaction system 300, so that the financial transaction system 300 is allowed to use the control signal or control information. It may be controlled to determine.
  • the term financial transaction in the present specification may vary depending on the type of the financial transaction system 300 that receives the request of the digital system 100 or the pair system 200.
  • Withdrawal of cash, transfer, credit card, check card such as a variety of payment, mobile phone inquiry, payment, online or offline loan application, withdrawal, transfer, can be varied.
  • a financial transaction is settled will be described as an example.
  • the financial transaction through the pair system 200 will be defined as a pair financial transaction for convenience, and the pair system 200 may use the financial transaction system 300 for requesting a pair financial transaction for convenience.
  • the pair system 200 may use the financial transaction system 300 for requesting a pair financial transaction for convenience.
  • financial information that can be used when making a pair financial transaction will be defined as fair financial information.
  • FIG. 2 is a diagram illustrating a schematic configuration of a digital system according to an embodiment of the present invention.
  • a financial transaction may be performed by communicating with a predetermined financial transaction system 300 according to an embodiment of the present invention.
  • the digital system 100 may access a web server 320 providing a predetermined web site and use a financial transaction service provided by the financial transaction system 300.
  • the digital system 100 may request a financial transaction such as withdrawal, transfer, payment or inquiry from the ATM 310 using RF communication such as NFC.
  • the digital system 100 may request a predetermined payment from the card reader 3300 through a predetermined RF communication, such that the digital system 100 performs communication with the financial transaction system 300 (eg, infrared rays). Communication, optical communication, RF communication, etc.) may be variously implemented according to the type of the financial transaction system 300.
  • the digital system 100 may include a control module 110, a financial transaction module 120, and a pair module 130. According to the implementation example, the digital system 100 may further include an alarm means 140. In addition, the digital system 100 may further include a communication module 150. The communication module 150 may be provided in the digital system 100 separately from the financial transaction module 120, and may be provided in place of the financial transaction module 120 according to an embodiment.
  • the module may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware.
  • the module may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily inferred by the average expert in the art.
  • the control module 110 may include other components (eg, the financial transaction module 120, the pair module 130, the alarm means 140, and / or the communication module included in the digital system 100). 150), etc.) and / or resources.
  • the financial transaction module 120 may communicate with the financial transaction system 300 to perform financial transactions.
  • the financial transaction module 120 may be implemented as an RF communication device according to the type of communication.
  • the financial transaction module 120 when performing a financial transaction request to the financial transaction system 300 through RF communication such as NFC, the financial transaction module 120 is the RF communication device (eg NFC chip) and / or the RF communication device It may mean a predetermined application or a related configuration (eg, a device driver) for driving.
  • the financial transaction module 120 may connect a network device (eg, a wired or wireless network card, etc.) to connect the digital system 100 to the wired or wireless network.
  • this may mean a predetermined application or related configuration (eg, a device driver) for controlling the network device.
  • the financial transaction module 120 may include at least one software requesting a financial transaction using the financial transaction system 300 to the financial transaction system 300 and receiving a response accordingly. Or it may mean an organic combination of at least one hardware.
  • the digital system 100 may include the communication module 150 separately, or the financial transaction module ( 120 may mean the communication module 150.
  • the digital system 100 may include the communication module 150 separately.
  • the financial transaction module 120 may perform a financial transaction through a wired or wireless network. In this case, the digital system 100 may not need to separately include the communication module 150. . That is, the financial transaction module 120 may be the communication module 150.
  • the pair module 130 may communicate with the pair system 200 that forms a pair with the digital system 100.
  • the digital system 100 may be paired with the pair system 200 through the communication through the pair module 130.
  • a pair forming procedure of the digital system 100 and the pair system 200 may be performed through the pair module 130. Then, when the pair module 120 and the pair system 200 are paired, that is, satisfying a predetermined standard, the control module 110 performs the digital system 100 or the like. At least one of the financial transaction system 300 may be controlled.
  • the predetermined criterion is when the pair module 130 and the pair system 200 are in a communicable state as described above, or a communication power, that is, a signal between the pair module 130 and the pair system 200. It may be the case that the intensity is more than a predetermined intensity. In general, when the digital system 100 and the pair system 200 exist within a communication distance, communication may be possible. When the digital system 100 and the pair system 200 exist within a predetermined distance, it may be determined that pairing is performed. have. Alternatively, the predetermined criterion may be a case where a predetermined communication device (eg, an RF communication device) included in the pair module 130 and the pair system 200 performs tagging.
  • a predetermined communication device eg, an RF communication device
  • the tagging may mean a case in which the pair module 130 and the pair system 200 approach or contact each other at a predetermined distance or less.
  • the pair system 200 is connected to the digital system 100 or the pair system 200 within a distance of about 10 cm. Or a series of acts of proximity to the digital system 100.
  • the control module 110 may determine that the pairing is performed. Then, the control module 110 may control the digital system 100 or the pair system 200 to perform a financial transaction normally using the digital system 100.
  • the pairing may be maintained only for a predetermined time after the tagging is performed, and the pairing may be released after the predetermined time. In this case, the financial transaction may be normally performed only after the user passes through the tagging of the digital system 100 and the pair system 200 again.
  • control module 110 may control at least some components included in the digital system 100 or output a predetermined control signal or control information to the financial transaction system 300. Can be.
  • control module 110 may control the financial transaction module 120 included in the digital system 100 to perform the financial transaction only when pairing is performed. To this end, the control module 110 may be disabled so that the financial transaction module 120 may not perform a financial transaction if pairing is not possible. When pairing again, the financial transaction module 120 may be enabled.
  • the method of enabling or disabling the financial transaction module 120 may vary. In addition, disabling or enabling the financial transaction module 120 not only disables or enables the financial transaction module 120 itself, but also enables the financial transaction module 120 to function properly. It may be defined as meaning including controlling a predetermined configuration (eg, a device driver, an application, etc.) associated with the financial transaction module 120 to exert or exert.
  • control module 110 transmits a predetermined control signal or control information to the financial transaction system 300, and only when the digital system 100 and the pair system 200 are paired.
  • the financial transaction may be controlled to be performed.
  • a predetermined signal or information indicating whether the digital system 100 and the pair system 200 are currently paired or whether the financial transaction is allowed or not is received. 300). Then, the financial transaction system 300 may determine whether to allow the financial transaction requested from the financial transaction module 120 based on the received control signal or information.
  • the digital system 100 and the pair system 200 are paired with the pair system 200 and / or digital. It may be necessary to be able to specify information about what the system 100 is. As such, a procedure for specifying a pair system 200 in which the digital system 100 is paired with itself or a procedure for specifying a digital system 100 in which the pair system 200 is paired with itself is defined as a pair formation procedure. can do.
  • the pair forming procedure may be performed by the user of the digital system 100 and / or the pair system 200, and may be provided by the provider (eg, the digital system 100 and / or the pair system 200). May be determined in advance by a manufacturer, a distributor, a financial institution, a security company, or the like.
  • a system in which the digital system 100 or the pair system 200 becomes its own pair that is, the pair system 200 or the digital system 100 It may be performed through a procedure for transmitting and receiving information through communication.
  • the information about the pair system 200 may be input through a predetermined application installed in the digital system 100.
  • the pair forming procedure may be performed by registering information about the pair system 200 paired with the digital system (! 00) in advance in the financial transaction system 300.
  • FIG. 3 is a diagram illustrating an example of a method in which a digital system and a pair system form a pair according to an embodiment of the present invention.
  • 4 is a diagram illustrating an example of a method in which a digital system and a pair system form a pair according to another embodiment of the present invention.
  • FIG. 3 illustrates a case in which a digital system 100 and a pair system (eg, 210 and 220) perform a pair formation procedure through communication
  • FIG. 4 illustrates a predetermined application that may be installed in the digital system 100.
  • the pair formation procedure is performed.
  • the pair system 200 may be a financial transaction means (for example, credit card, etc.) capable of independent financial transactions, and may mean a system produced to perform a pairing financial transaction function to implement the technical idea of the present invention.
  • a financial transaction means for example, credit card, etc.
  • the present invention may be implemented in a form of being attached to or embedded in a predetermined target object with a pairing function (ie, a function of determining whether pairing has been performed) for implementing the technical idea of the present invention.
  • the pair system 200 may be an RF communication device itself capable of RF communication or a device in which a predetermined configuration is added to the RF communication device.
  • the RF tag may transmit its identification information to the digital system 100.
  • the digital system 100 may be initially in an unpaired state with the pair system 200.
  • the digital system 100 and the pair system 200 may be independently used in an unrelated state.
  • the pairing procedure may be performed to implement the digital system 100 or the pair system 200 to operate normally.
  • the digital system 100 and the pair system 200 may communicate with each other to perform a pair forming procedure.
  • a user may input a predetermined signal requesting to perform the pair formation procedure to the digital system 100 or the pair system 200 in advance.
  • the digital system 100 or the pair system 200 may know in advance that a pair forming procedure is performed.
  • the digital system 100 and the pair system 200 may communicate with each other.
  • the digital system 100 may receive identification information for identifying the pair system 200 from the pair system 200.
  • the digital system 100 may transmit identification information of the digital system 100 to the pair system 200. Alternatively, both processes may be performed. Then, the transmitted identification information of the pair system 200 or the identification information of the digital system 100 may be recorded in the digital system 100 or the pair system 200, respectively.
  • the pair formation procedure may be completed.
  • the digital system 100 or the pair system 200
  • the pair system 200 is in communication with the pair system 200 (or the digital system 100) corresponding to the identification information recorded therein. If possible, pairing may occur when within a certain distance or when tagging is performed.
  • the communication for transmitting and receiving each other's identification information for this pair formation procedure may be performed if the two systems exist only within a distance that can be paired (hereinafter, pairing distance), but should be closer than within the pairing distance May be performed.
  • the pair formation procedure may not be performed even if the two systems are within a pairing distance (ie, a communicable distance or a shorter predetermined distance).
  • the pair forming procedure may be performed only when the digital system 100 and the pair system 200 are close to each other within a predetermined proximity distance (eg, 10 cm, etc.) such as NFC tagging.
  • a pair forming procedure may be performed by directly inputting identification information of a paired system to the digital system 100 or the pair system 200.
  • a predetermined application 10 for implementing the technical idea of the present invention may be installed in the digital system 100.
  • the application may be downloaded from a predetermined web server operated by the provider of the digital system 100 or the pair system 200.
  • the user may execute the application 10, and then the UI as shown in FIG. 4 may be provided to the user. Then, the user may input identification information of the pair system 200 paired with the digital system 100 through the UI.
  • the input identification information may be stored in a predetermined storage device, and the pair module 130 may check the stored identification information.
  • the digital system 100 is a mobile phone and the pair system 200 is a credit card that can be paired with the digital system 100.
  • the digital system 100 may download the application to a web site of the card company that provides the credit card or from a predetermined app store. Then, after the user of the digital system 100 executes the application, a pair formation procedure may be performed by inputting identification information of the credit card.
  • the pair system 200 may also be a system capable of driving a predetermined application.
  • the pair formation procedure may be performed by inputting identification information of the digital system 100 through a predetermined application installed and executed in the pair system 200.
  • the user may select the pair system 200 that is paired with his digital system 100, and the pair system 200 capable of implementing the technical idea of the present invention.
  • the pair system 200 paired with the digital system 100 may be changed, or a plurality of pairs may be used as a pair system.
  • the system to be paired in advance may be determined by the provider of the digital system 100 or the pair system 200.
  • information about the pair system 200 is pre-stored in the digital system 100 or information about the digital system 100 is pre-stored in the pair system 200 to be sold or distributed to a user.
  • the provider may sell or distribute the pair system 200 (or the digital system 100) together while selling or distributing the digital system 100 (or the pair system 200) to a user. Can be.
  • the digital system 100 when identification information of the pair system 200 or the digital system 100, which is paired in advance, is stored in the digital system 100 or the pair system 200, the digital system 100 ) Is paired with a predetermined system, it may be determined whether the system paired by the digital system 100 is a pair system 200 registered to pair with itself. Then, the digital system 100 may request a financial transaction to the financial transaction system 300 only when the digital system 100 is paired with the pair system 200 that pairs with the digital system 100.
  • the digital system 100 may transmit identification information of the pair system 200 to the financial transaction system 300.
  • it may further transmit its own identification information.
  • the digital system 100 transmits its identification information
  • the financial transaction system 300 when the financial transaction system 300 and the digital system 100 communicate, the financial transaction system 300 naturally identifies the digital system 100. It may mean that information can be checked.
  • the financial transaction system 300 is the digital system 100 is a financial transaction It may be determined whether the system is set in advance so as to request the financial transaction request received from the digital system 100 only if it is a predetermined system.
  • the user may register information about the digital system 100 that may perform financial transactions in advance in the financial transaction system 300 according to the technical idea of the present invention.
  • the financial transaction is allowed only through the digital system 100 registered in advance by the user, and the pair is set to be paired with the digital system 100 even through the digital system 100. Only when pairing with the system 200 can a financial transaction be allowed. Therefore, even if a fraudulent user steals a user's digital system or a paired system, a fraudulent financial transaction is performed unless the user steals both a pre-registered digital system 100 and a paired system 200 paired with the digital system 100. It has the effect of blocking what is allowed at source.
  • FIG. 5 is a diagram illustrating an implementation example of a pair system according to an embodiment of the present invention.
  • 5A illustrates a case in which the target object 400 to which the pair system 200 is attached or embedded for implementing the technical idea of the present invention is a credit card.
  • 5B illustrates an example in which the target object 410 to which the pair system 200 is attached or embedded is a security card.
  • the pair system 200 may be provided to a user, and the user may attach the pair system 200 to any target object desired by the user in addition to the object illustrated in FIG. 5.
  • the credit card or security card may be produced and / or distributed and provided to the user with the pair device 221 attached thereto.
  • the pair system 200 and the mobile phone must be paired. Can successfully perform financial transactions using the mobile phone.
  • the pair system 200 may be used or stored by the user in a different place or manner than the mobile phone, such as a user's wallet. Accordingly, an unauthorized user who acquires or steals the mobile phone may use the mobile phone to perform a financial transaction (eg, mobile payment, etc.) unless the mobile phone and the pair system 200 stored by the user in different ways are lost at the same time. ) Can not be performed.
  • the target object 400 may not communicate with the pair system 200.
  • the target object 400 may not know whether the pair system 200 is paired with a predetermined digital system 100. Even in such a case, the technical idea of the present invention can prevent the financial transaction using the target object 400 from being performed when the digital system 100 and the pair system 200 are not paired.
  • FIG. 8 is a diagram for describing a process in which a financial transaction occurs through a pair system according to an embodiment of the present invention.
  • FIG. 8 illustrates a case in which a pair system 200 according to the spirit of the present invention is simply attached or embedded in a conventional credit card 400.
  • the user may make a payment request to a predetermined financial transaction system, that is, the card payment device 330 by using the credit card 400 (S300).
  • the payment request may, for example, swipe the credit card 400 or, if payment is possible through a predetermined RF communication, bring the credit card 400 close to the card payment machine 330.
  • Contacting may be performed through tagging.
  • the digital system 100 may determine whether it is being paired with the pair system 200 (S310).
  • a predetermined control signal (or control information) according to the determination result may be transmitted to the card payment unit 330.
  • the card payment unit 330 may determine whether to accept the payment request based on the received control signal.
  • control signal may include identification information of the credit card 400.
  • the digital system 100 and the pair system 200 may input identification information of the credit card 400 in advance.
  • the card setter 330 or the card company system (not shown) connected to the card setter 330 receives a control signal indicating that the pairing is being performed from the digital system 100 to be paired to perform the payment.
  • the identification information of the card 400 may be stored in advance.
  • identification information of the digital system 100 attached to the credit card 400 may be registered in advance in the card payer 330 or the card company system.
  • the user may register the identification information of the credit card to which the pair system 200 is attached to the card company system of the credit card in advance.
  • the identification information of the pair system 200 and / or the identification information of the digital system 100 may be registered in advance.
  • the target object to which the pair system 200 is attached or simply embedded is also paired with the digital system 100.
  • the system 200 may be controlled to not perform a financial transaction successfully.
  • the pair system 200 may be attached or embedded in a predetermined security card 410.
  • the digital system 100 paired with the pair system 200 intends to perform a predetermined financial transaction using the security card information recorded on the security card 410
  • the digital system 100 The pair system 200 or the security card 410 paired with the digital system 100 is paired with the digital system 100 to successfully perform a financial transaction.
  • FIG. 6 is a view showing a schematic configuration of a pair system according to an embodiment of the present invention.
  • the pair system 200 may include a communication device (eg, an RF communication device, etc.) 240.
  • the communication device 240 eg, an RF communication device, etc. itself may be the pair system 200.
  • the communication device (eg, the RF communication device, etc.) 240 may include a predetermined RF antenna.
  • the communication device 240 may be implemented with, for example, an RFID tag.
  • the pair system 200 itself may be the RFID tag.
  • the communication device 240 may include an RF reader.
  • the communication device 240 may be implemented to communicate with the pair module 130 included in the digital system 100.
  • the pair system 200 may further include a predetermined financial transaction means 230.
  • the financial transaction means 230 may include, for example, a control device 231 and a storage device 232.
  • the storage device 232 may store pair financial information of the pair system 200.
  • the pair financial information may include information necessary for making a financial transaction through the pair system 200.
  • the pair financial information may be card information and / or user information corresponding to the pair system 200. .
  • the financial transaction means 230 may be implemented with a conventional IC card or smart card. Therefore, the pair system 200 may be a system in which an RF communication apparatus for a pairing function according to the technical idea of the present invention is added to a conventional IC card or a smart card. Therefore, the pair system 200 may be implemented as a credit card or check card, cash withdrawal card, or the like. Of course, the pair system 200 may be implemented in various forms or systems as described above.
  • the control device 231 may determine whether to allow (perform) a pair financial transaction using the pair financial information according to the communication state between the communication device 240 and the digital system 100.
  • the pair system 200 may be a system capable of independently performing a financial transaction (ie, a pair financial transaction), and the pair system 200 may also be paired with the digital system 100 if the pair system 200 is not paired with the digital system 100. It may be a system that is controlled to prevent the financial transaction from performing successfully.
  • FIG. 9 One such example is shown in FIG. 9.
  • FIG. 9 is a diagram for describing a process in which a financial transaction occurs through a pair system according to another embodiment of the present invention.
  • a predetermined digital system 100 may be paired with a pair system 200.
  • the pair system 200 may independently perform financial transactions, and may be paired with the digital system 100 to implement the technical idea of the present invention.
  • the pair system 200 may determine whether the digital system 100 is paired with itself in advance (S400).
  • the control device 231 of the pair system 200 includes a predetermined transaction included in the pair system 200 such that a financial transaction using the pair system 200, that is, a pair financial transaction, is not allowed.
  • the configuration of can be controlled. For example, certain disable information indicating that pairing is not performed may be stored in a predetermined storage device 232 included in the pair system 200 (S410). Alternatively, the predetermined communication device 240 included in the pair system 200 may be disabled (S410).
  • the pair system 200 requests a financial transaction (eg, payment) to a predetermined card payment machine 330 or other financial transaction system 300 (S420)
  • the disable information may be transmitted together. have.
  • the card payment unit 330 or the financial transaction system 300 may not allow the financial transaction (eg, payment) when the disable information is received (S430). If the communication device 240 is disabled, the payment request may not be transmitted at all (S420-1).
  • the pair system 200 may receive a predetermined control signal from the digital system 100.
  • the digital system 100 and the pair system 200 may communicate.
  • a predetermined control signal may be received. Therefore, whether or not the pairing is performed may be determined by the digital system 100, and the pair system 200 may receive the determined result from the digital system 100. Then, the pair system 200 may control whether to allow the pair financial transaction by disabling or enabling a predetermined configuration included in the pair system 200 based on the received control signal.
  • the pair system 200 is a system capable of independently performing financial transactions, if the pair system 200 is not paired with the digital system 100, the pair system 200 may be financed. The effect is that the transaction cannot be successfully executed.
  • the pair system 200 is implemented as a credit card, even if there is a person who wants to perform a financial transaction by acquiring or stealing the credit card, the paired system 200 occupies the digital system 100 paired with the credit card. If not, there is an effect that it is not possible to conduct financial transactions with the credit card. In addition, even when the credit card is duplicated, the digital system 100 is occupied, so that the financial transaction using the credit card cannot be performed unless paired with the credit card.
  • the digital system 100 when performing a financial transaction through the digital system 100, it is also possible to use the financial information of the pair system 200. That is, the digital system 100 may have an effect of making a payment to the pair system 200.
  • the digital system 100 when the digital system 100 is a mobile phone and the pair system 200 is a credit card, a user may perform a financial transaction (eg, payment) with the credit card using the digital system 100.
  • a financial transaction eg, payment
  • financial transactions using the mobile phone itself eg, financial transactions using separate credit card information stored in the mobile phone
  • financial transactions using the digital system 100 may be implemented to be performed only by using the financial information of the pair system 200.
  • FIG. 7 is a view for explaining a process in which a financial transaction occurs through a digital system according to a financial transaction method according to an embodiment of the present invention.
  • the pair system 200 may be a credit card capable of pairing with the digital system 100.
  • the digital system 100 may determine whether to pair with the pair system 200 (S100). If the pairing result is determined, the digital system 100 may receive pair financial information (eg, card information, etc.) from the pair system 200 (S110). Then, the digital system 100 may perform a financial transaction (eg, payment) using the received pair financial information (S120).
  • the digital system 100 may be a system capable of performing a financial transaction (eg, payment) through NFC communication with a predetermined reader 340. Then, the digital system 100 may transmit the pair financial information received from the pair system 200 to the reader 340 through tagging or the like communication. Then, the reader 340 may perform payment using the received pair financial information (S130).
  • the pair financial information may be received by the pair module 130 included in the digital system 100, and the financial transaction using the received pair financial information may be performed by the financial transaction module 120. .
  • the digital system 100 may perform financial transactions using the pair financial information of the pair system 200. Therefore, in order to perform a financial transaction using the digital system 100, separately input pair financial information of the pair system 200 into the digital system 100, or separate financial from the pair system 200. There is an effect that it is not necessary to perform settings such as inputting financial information of the trading means.
  • the digital system 100 may be implemented to perform payment using only the pair financial information.
  • the financial transaction module 120 included in the digital system 100 may implement financial transactions only through the pair financial information received from the pair system 200 through the pair module 130. May be Therefore, the financial transaction module 120 may not receive financial information other than a pair financial transaction input from the pair system 200 through the pair module 130.
  • the pair financial information may also be received from the pair system 200 only when a predetermined request for performing a financial transaction is received from the user. If the received pair financial information is transmitted to the financial transaction system 300, the pair financial information may be deleted. Then, the financial information for the financial transaction may not be stored in the digital system 100 at all except for a while when the financial transaction is performed. Therefore, there is an effect that can reduce the risk itself that financial information is exposed or leaked to the outside.
  • the digital system 100 may store its own financial information, that is, its own financial information.
  • the NFC chip for performing a payment (that is, the financial transaction module 120 of the present invention) is previously stored through a predetermined application.
  • payment may be performed using card information.
  • the financial information stored in advance in the digital system 100 and used when the digital system 100 independently performs a financial transaction may be its own financial information.
  • the control module 110 included in the digital system 100 may determine whether to be paired with the pair system 200 (S200). When it is determined that the pairing is performed, the control module 110 may enable the financial transaction module 120 to perform financial transactions using its own financial information (eg, card information, etc.). To this end, the financial transaction module 120 may transmit the self-financing information stored in a predetermined storage device of the digital system 100 to the reader 340 (S210). Then, the reader 340 may perform a financial transaction (eg, payment) using the received self-financing information (S220).
  • a financial transaction eg, payment
  • the digital system 100 may perform a financial transaction service provided through a predetermined web site or web application through communication with the web server 320 providing the web site or the web application. have. Then, the digital system 100 may determine whether pairing with the predetermined pair system 200 is performed through a pair forming procedure. When it is determined that the pairing is performed, the digital system 100 may receive predetermined financial information, ie, user input financial information, directly from the user through a UI provided by the web site or the web application. Then, the financial transaction module 120 (or the communication module 150) of the digital system 100 may transmit the received user input financial information to the web server 320 (S210-1). Then, payment may be performed by the web server (S220-1).
  • predetermined financial information ie, user input financial information
  • the control module 110 is the financial transaction module 120 (or the communication module 150) or the other
  • the configuration included in the digital system 100 may be controlled to prevent the user input financial information from being transmitted to the web server 320.
  • predetermined disable information indicating that the web server 320 is not paired may be further transmitted to the web server 320. Then, the web server 320 may not allow payment when the disable information is received.
  • the digital system 100 may perform a financial transaction service provided through a predetermined website or web application through communication with the web server 320 providing the website or the web application. have.
  • the digital system 100 may determine whether pairing with the predetermined pair system 200 is performed through a pair forming procedure, and if it is determined that the pairing is performed, the digital system 100 may determine a predetermined number as the web server.
  • the user may directly require a password or other authentication means. Embodiments in which user input information is additionally required may further enhance security.
  • the financial transaction in the present specification may be defined as including a predetermined pre or post procedure required for financial transactions, for example, accredited certification. Therefore, in the present specification, that the digital system 100 performs a financial transaction may mean, for example, that the digital system 100 receives a certification through an official certificate through the financial transaction system 300. .
  • the digital system 100 may determine whether pairing with the pair system 200 is performed, and if not determined, may perform a predetermined control so that the authentication is not performed. For example, if it is determined that the pairing is not performed, the control module 110 prevents access to the public certificate stored in the digital system 100 or transmits predetermined disable information to the financial transaction system 300 that performs authentication. It can also be transmitted to prevent the authentication process through a certificate at all.
  • login authentication may be included.
  • the control module 110 disables a network function to prevent access to the financial transaction system 300 at all,
  • the login request may not be output to the financial transaction system 300, or the login may not be performed by transmitting a predetermined disable signal.
  • the digital system 100 or the pair system 200 may be implemented to perform a predetermined financial transaction or a pair financial transaction even when not paired. This may require some additional authentication to be performed.
  • the financial transaction or the pair financing under limited conditions, that is, a condition in which additional authentication is successful. You can allow the transaction to be performed.
  • the additional authentication may be performed even if the financial transaction or a pair financial transaction is not performed when pairing, but if the pairing is not performed, all forms of authentication for performing the financial transaction or the pair financial transaction must be performed and succeeded. It may include. For example, at least one of authentication using a password, authentication using a secret pattern, authentication using biometric information (eg, fingerprint, iris, etc.), authentication using location information or unique identification information of hardware, and / or a public certificate It may be used as the additional authentication. Other methods of further authentication may vary.
  • the digital system 100 and / or the pair system 200 are not paired (or the digital system 100 and the pair system 200 over a predetermined distance or more).
  • the alarm signal may be, for example, a voice signal output from the digital system 100 and / or the pair system 200, or may be a visual signal such as light or display information output from the digital system 100.
  • various signals such as a tactile signal and a vibration generated when the digital system 100 performs a predetermined operation (eg, an operation) may be implemented as the alarm signal.
  • the alarm signal may be output to prevent a user from unoccupying the digital system 100 or the pair system 200 undesirably. It can prevent and reduce the risk of loss or theft.
  • the pair system 200 may also be implemented as a predetermined digital system.
  • the pair system 200 may include a communication device 240 and a control device for performing a pairing function with a system to be a pair.
  • the communication device 240 may communicate with a system forming a pair.
  • the control device may determine whether to be paired based on the communication state. Then, the control device may control at least some of predetermined functions scheduled to be performed by the pair system 200 according to whether pairing is performed.
  • the pair system 200 may be a digital system implemented to perform a predetermined function rather than a financial transaction. Then, if the pair system 200 is not paired with the digital system 100, the function may not be performed.
  • the digital system 100 may be an identification card of a user implemented with an IC card or a smart card
  • the pair system 200 may be a computer. Then, if the computer is not paired with the identification card, it may be controlled not to perform at least some functions of the computer.
  • the network device may be disabled or no information may be output to the monitor, or at least some of the functions that may be performed by the computer may be disabled according to other implementations.
  • the identification card paired with the computer may also disable certain functions.
  • the digital system 100 may be, for example, a mobile phone, and the mobile phone may be paired with a predetermined pair system (eg, credit card system, identification card, etc.). Then, when the mobile phone directly performs a financial transaction in a state in which the mobile phone is not paired with the pair system, for example, the mobile phone wants to perform a financial transaction by accessing a predetermined website or web application. At this time, the predetermined configuration of the mobile phone may be controlled such that the financial transaction is not performed.
  • a predetermined pair system eg, credit card system, identification card, etc.
  • the mobile phone even when the mobile phone does not directly perform a financial transaction but uses the mobile phone for authentication to use a financial transaction of another system (for example, a computer), the technical spirit of the present invention.
  • authentication using the mobile phone may not be performed. For example, when a user attempts to make a payment by accessing a predetermined website or web application using a computer, when the authentication number is received by the mobile phone, the received authentication number is inputted again into the website or web application.
  • There is a known authentication method using a mobile phone for authenticating payment At this time, when the mobile phone is not paired with a predetermined pair system according to the technical idea of the present invention, the mobile phone may be controlled not to receive the authentication number from the outside.
  • the control module included in the mobile phone controls the mobile phone so as not to receive any message in a state where pairing is not performed, or in some embodiments, a message. It can be controlled so that the user can receive it but cannot confirm it. You can also check received messages only when paired.
  • the technical spirit of the present invention has been described with reference to financial transactions, but may be applied to various forms of personal authentication in addition to the certification for issuance of public certificates other than financial transactions, and may be implemented in various ways.
  • the pair system can be easily understood by those of ordinary skill in the art that various forms of means such as a social security card, a driver's license, a student card, as well as a card system for financial transactions can be used.
  • the method of providing a digital system or a pair system may be implemented as computer readable codes on a computer readable recording medium.
  • Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations.
  • the computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.
  • the present invention can be used for financial transactions.

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  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
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  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système numérique, un système de concordance effectuant une concordance avec le système numérique, et un procédé de transaction financière. Le système numérique comporte : un module de transaction financière pour effectuer des transactions financières par l'intermédiaire d'une communication avec un système de transaction financière ; un module de concordance pour communiquer avec un système de concordance effectuant une concordance avec le système numérique ; un module de commande pour commander le système numérique et/ou le système de transaction financière de façon à effectuer la transaction financière, si l'état de communication du module de concordance et du système de concordance satisfait un critère prédéterminé.
PCT/KR2013/004129 2012-05-11 2013-05-10 Système numérique pour effectuer des transactions financières, système de concordance effectuant une concordance avec le système numérique, et procédé de transaction financière WO2013169053A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR1020120050170 2012-05-11
KR10-2012-0050170 2012-05-11
KR10-2013-0052664 2013-05-09
KR1020130052664A KR101385723B1 (ko) 2012-05-11 2013-05-09 금융거래를 수행할 수 있는 디지털 시스템, 상기 디지털 시스템과 페어를 이루는 페어 시스템, 및 금융거래 방법

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WO2013169053A1 true WO2013169053A1 (fr) 2013-11-14

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100856514B1 (ko) * 2006-12-13 2008-09-16 이노시드 주식회사 서비스 인증 처리 시스템
US20090143104A1 (en) * 2007-09-21 2009-06-04 Michael Loh Wireless smart card and integrated personal area network, near field communication and contactless payment system
KR20100024030A (ko) * 2008-08-25 2010-03-05 이만인 결제 수단의 인증 방식을 개선한 결제 장치 및 그 제어방법
US20110165896A1 (en) * 2010-01-05 2011-07-07 Stromberg Russel M Mobile communications resource management system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100856514B1 (ko) * 2006-12-13 2008-09-16 이노시드 주식회사 서비스 인증 처리 시스템
US20090143104A1 (en) * 2007-09-21 2009-06-04 Michael Loh Wireless smart card and integrated personal area network, near field communication and contactless payment system
KR20100024030A (ko) * 2008-08-25 2010-03-05 이만인 결제 수단의 인증 방식을 개선한 결제 장치 및 그 제어방법
US20110165896A1 (en) * 2010-01-05 2011-07-07 Stromberg Russel M Mobile communications resource management system

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