Auto banking-financing system by smart mobile terminal device

摘要

The present invention provides an automatic financial system by a smart portable terminal. In the automatic financial system of the smart portable terminal according to the present invention, a financial institution card (bank debit card, bank check card, credit card, etc.) is read by a smart portable terminal (smart phone, smart pad, ATM banking, smart banking, and phone banking, which require complicated authentication procedures by performing financial transactions such as remittance, account transfer, and CMS transaction / management by an ATM application installed in the ATM As a result, the financial transaction convenience of the user can be improved by the simple smart card authentication process such as the authentication of the card of the financial institution card owned by the user, Is captured by the built-in camera of the smart portable terminal Is produced by the screen capture feature of the smart mobile device is able to efficiently follow-up in illegal financial transactions by financial institutions involved and automatically sent to the management server of a financial institution. The automatic financial system of the smart portable terminal according to the present invention comprises: a financial institution card which is issued with authentication of a financial institution and can be linked to a deposit account of a financial institution; A card reader for reading information of a financial institution card; Financial transactions such as inquiry of deposits through financial institution card, transfer of accounts, settlement of payment and payment of bills are mediated, but financial transaction information input and output and financial transaction processing corresponding to patterns of input and output of financial transaction information and processing pattern of financial transaction are performed An ATM application; A smart portable terminal capable of installing and operating an application for wireless communication and a mobile terminal, a smart card terminal installed or detachably connected, and installed and operated with an ATM application; And a management server that communicates with the smart portable terminal and manages the financial transaction by the ATM application and authenticates whether the financial institution card is read by the card reader and transmits and receives financial transaction information, , Inputting a unique identification code of a financial institution card through a smart portable terminal, and driving an ATM application to perform a financial transaction.