CN100444658C - System for mobile interactive financial transaction using mobile communication terminal - Google Patents
System for mobile interactive financial transaction using mobile communication terminal Download PDFInfo
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- CN100444658C CN100444658C CNB2004800176342A CN200480017634A CN100444658C CN 100444658 C CN100444658 C CN 100444658C CN B2004800176342 A CNB2004800176342 A CN B2004800176342A CN 200480017634 A CN200480017634 A CN 200480017634A CN 100444658 C CN100444658 C CN 100444658C
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Abstract
A method of providing banking services by use of a mobile communication system having a removable built-in integrated circuit (IC) card chip in which personal identification number (PIN) information and related information on financial accounts of a user are stored. The method includes selecting an electronic bankbook service and selecting any one from financial transactions for the electronic bankbook service and comparing the PIN information input at the mobile communication system with the PIN information stored in the IC card chip, and authenticating access to data stored in the IC card chip on the mobile communication system. The method further includes displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system and forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system, and transmitting the financial transaction request message to the banking server. The method further includes performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server, and transmitting a financial transaction response message to the mobile communication system and displaying the resulting transaction history in the display window of the mobile communication system.
Description
Technical field
The present invention relates to be used for by using mobile communication system that the method for bank service is provided, more specifically, dismountable (removable) integrated circuit (IC) the core of the card sheet is provided wherein for described mobile communication system, in described IC-card chip, store the information of PIN(Personal Identification Number) and financial account information etc., and use the bank that is used for financial transaction that on Java Virtual Machine, drives to use, and inquire about such as sweep account, account transfer/remittance, the mobile banking of loan/payment etc., thereby the maximization user is for the convenience of mobile banking, and the fail safe that minimizes the network load of communication network simultaneously and strengthened data and Financial Information.
Background technology
Current, along with mobile communication system becomes more powerful together with communication network on performance, provide the service of multiple mobile banking by using mobile communication system such as mobile phone, PDA(Personal Digital Assistant) etc.Particularly, the service of this mobile banking makes any client to use bank service, for example account query easily with any place at any time; Account transfer, remittance and payment; And the inquiry and the payment of loan, and need not directly to visit their corresponding bank.
In general, the conventional mobile banking that comprises account query, funds transfer or remittance serves the wireless internet system that has all used based on WAP (WAP (wireless application protocol)).Especially, the WAP browser that the service of conventional mobile banking allows any internet bank-user to drive terminal (for example personal computer) visits the URL (uniform resource locator) of interested bank server, be used for authentication so that import his ID (sign) and password, and after authentication, handle bank service, for example account query, account transfer/remittance and inquire about the payment etc. of loan account general view (overview) and interest thereof.
These conventional mobile bankings services only will be changed on wireless Internet service based on WAP in the internet bank service on the wired Internet.Because mobile communication system still can't provide large scale screen, simple and easy input program and storage capacity as personal computer, there are many inconvenience in actual use.
In addition, the bank service of using him to want whenever, the client must be by the various information of mobile communication system input such as ID, password, account number etc.Therefore, the client can meet difficulty when using bank service.In addition, because the data that relate to personal information may be stored and use to the fragility of mobile communication system fail safe hardly in the memory of mobile communication system.
In addition,, then during this session, carry out a series of processes in case mobile communication system has been visited bank server, for example, input account number, execution authenticated client, inquiry financial transaction history, inquiry loan account general view, payment on account of credit interest etc.Therefore, the problem of existence is, increased the weight of expense that user or client make a phone call etc., and the load that has increased the weight of communication network.
Summary of the invention
Therefore, for addressing the above problem, it is a kind of by using mobile communication system that the method for bank service is provided that an aspect of of the present present invention provides, it can use such as the sweep account inquiry service, move the service of account transfer/remittance, during the mobile banking of general view inquiry of mobile loan and loan interest payment services etc., complicated input program by simplifying the user and improve network access process and minimize access time between mobile communication system and the bank server, and the network load that minimizes communication network, strengthen the fail safe of transfer of data and Financial Information simultaneously.
For realizing in this respect, according to the present invention, providing a kind of is used for by using mobile communication system that the method for bank service is provided, wherein use the bank server of mobile communication system and at least one financial institution to carry out financial transaction, described mobile communication system has dismountable built-in (built-in) integrated circuit (IC) the core of the card sheet, in described IC card chip, store PIN(Personal Identification Number) information and about the relevant information of user's accounts of finance, described method comprises: step is selected in financial transaction, mobile banking's (M/B) dedicated array of keys by offering described mobile communication system and any one in the menu option are selected e-bank's bankbook service, and select any from the financial transaction of described e-bank bankbook service; The PIN authenticating step PIN information in the input of described mobile communication system place is compared with the PIN information that is stored in the IC-card chip, and authentication is to being stored in the visit of the data in the described IC-card chip on the described mobile communication system; The Financial Information step display after the login of finishing by described PIN authenticating step described IC-card chip, shows the financial account information that is stored in the user in the described IC-card chip in the display window of described mobile communication system; The Financial Information transmitting step, when in described mobile communication system place input based on to the signal of the selection of accounts of finance the time, use the relevant information of selected accounts of finance should be used for forming the financial transaction request message, and described financial transaction request message transmission is arrived bank server by the bank that is implemented in the described mobile communication system; The Financial Information response of step is carried out predetermined customer authentication process about described financial transaction and accounts of finance at bank server, and the financial transaction response message is transferred to described mobile communication system; And the transactions history step display, receive from the described financial transaction response message of described bank server transmission, and in the display window of described mobile communication system, show the transactions history that obtains.
In addition, described method also comprises: step of updating, use cordless communication network to upgrade about at least one the information in new account and the old account with regard to the IC-card chip of described mobile communication system, described new account is to open an account in banking institution recently, and described old account is corrected/stops; And correction/modification step, come the PIN information of the described IC-card chip of correction/modification freely by the user, described IC-card chip removably is implemented in the described mobile communication system, wherein said mobile communication system and described bank server use any in the encryption solution that comprises E2E (end-to-end) and WPKI (WPKI), are used for the data under the mobile environment and the fail safe of Financial Information.
At this moment, described mobile communication system is the communicator such as mobile phone, smart phone and PDA(Personal Digital Assistant) etc., and the described Financial Information transmitting step step that comprises account number by each accounts of finance that uses the user, form described financial transaction request message corresponding to the kind and the customer information of financial institution's code of described accounts of finance, described accounts of finance.
In addition, described method is further comprising the steps of: when the financial transaction of selecting by described mobile communication system is accounts of finance inquiry transaction, should be used for checking the relevant information of selected accounts of finance by bank at described IC-card chip place, the account query request message transmission is arrived corresponding bank server, and show from the response message of the transactions history of described bank server transmission.
In addition, when the financial transaction of selecting by described mobile communication system is account transfer/money transfer transactions, described method also comprises: the drawing account input step, import the account number of deposit account of the account number of the drawing account in the described accounts of finance and transfer amount, described accounts of finance and the information of respective financial institutions; Preparation (reserved) transaction request step is prepared transfer transactions based on the information of credit/debit account and transfer amount to corresponding bank server request; Safety card numeral input step, respond described preparation transfer transactions and generate the safety card numeral that comprises random digit from described bank server, the safety card Digital Transmission that is generated is arrived described mobile communication system, once more described safety card numeral is input in the described mobile communication system, and the safety card Digital Transmission of input is arrived described bank server; And result step display, described safety card Digital Transmission is arrived described bank server with the main transfer transactions of request about corresponding credit/debit account, and receive the result who handles described main transfer transactions from described bank server, so that in the display window of described mobile communication system, show handled result.
In addition, described method also comprises: account's register step is registered as the preference account with the target account after the financial transaction; Described drawing account input step comprise by described mobile communication system directly import the step of the account number of deposit account and corresponding financial institute information and by the application of described bank by means of in the step of the search of " preference deposit account " optionally being imported deposit account any.
Equally, when the financial transaction of selecting by described mobile communication system is loan inquiry/loan interest payment transaction, described method also comprises: step is checked in loan account, extraction is stored in the tabulation of the loan account in the described IC-card chip, in the display window of described mobile communication system, show described loan account tabulation, and the relevant information of checking the corresponding loan account of from described loan account tabulation, selecting; The loan account query steps, visit corresponding bank server with the information of request based on the relevant information of corresponding loan about the transactions history of corresponding loan account, reception is to the response message of described request, and the display window that described response message is outputed to described mobile communication system; The password input step, extraction and demonstration are stored in the tabulation of the common accounts of finance in the described IC chip, from described common accounts of finance tabulation, select to be used for the drawing account that currency is withdrawn deposit, and the password of importing described drawing account; Preparation transaction request step, to corresponding bank server, request preparation payment transaction receives response message from corresponding bank server, and exports described response message with the related information transmission of selected loan and drawing account; And main trading processing step, after normally finishing described preparation payment transaction, cooperate with corresponding bank server and handle main transaction after the preparation payment transaction in response to user's main transaction request.
Preferably, described loan account query steps may further comprise the steps: according to the loan interest information of user's request to described bank server application for credit account, receive response message, and the display window that described response message is outputed to described mobile communication system.
Description of drawings
By following detailed description and together with accompanying drawing, above-mentioned aspect of the present invention, feature and advantage will become more apparent, in the accompanying drawings:
Fig. 1 illustration realize being used for by using mobile communication system that the illustrative configurations of the required system of the method for bank service is provided according to of the present invention;
Fig. 2 illustration according to the hierarchy or the configuration of the software (S/W) of mobile communication system of the present invention;
Fig. 3 is the flow chart that the accounts of finance inquiry service is shown according to first embodiment of the invention;
Fig. 4 illustration according to the user interface screen of accounts of finance inquiry service of the present invention;
Fig. 5 illustrates the flow chart that moves account transfer/remittance process according to second embodiment of the invention;
Fig. 6 illustration according to the user interface screen of mobile account transfer of the present invention/remittance service;
Fig. 7 is the flow chart that the process that moves loan general view and loan interest inquiry is shown according to third embodiment of the invention; And
Fig. 8 is the flow chart that is illustrated in the process that moves loan general view inquiry loan interest payment afterwards according to the present invention.
Embodiment
To describe the preferred embodiments of the present invention below with reference to the accompanying drawings in detail.
Fig. 1 illustration realize being used for by using mobile communication system that the illustrative configurations of the required system of the method for bank service is provided according to of the present invention.
Referring to Fig. 1, realize that the system that is used for providing bank service according to the present invention generally includes user or client's mobile communication system 10, is used to support base transceiver systems/base station controller (BTS/BSC) 20, the packet data switched network (PDSN) 30 of radio communication of mobile communication system 10 and the bank server 40 that is installed on each financial institution of mobile banking's network.
PDSN 30 uses PPP (point-to-point protocol) and TCP/IP (TCP) to provide the packet data transmission service between RAN (Radio Access Network) and DCN (data core network), and wherein RAN comprises BTS/BSC 20 etc.Provide bank service of the present invention based on TCP/IP.
Each bank server 40 is the devices that provide for each financial institution, so as with the mobile system interaction.Each bank server 40 receives various request messages, carry out customer authentication process, handle the message that has received with its master server interaction, and result and related data thereof be transferred to mobile communication system 10 by PDSN 30, above-mentioned request message for example is account query request message, the request message relevant with account transfer/remittance, pays relevant request message etc. with loan general view inquiry/loan interest.
Mobile communication system 10 and bank server 40 are visited mutually by using TCP/IP.By wireless tcp/IP communication of using radio data network, transmission and receive various data or information between mobile communication system 10 and each bank server 40.
At this moment, mobile communication system 10 comprises and moving or cellular phone, smart phone, PDA(Personal Digital Assistant) etc., is provided for all hardware of RFDC for above-mentioned every kind of system.Mobile communication system 10 is equipped with detachable IC card chip 11 and the memory devices of all softwares (S/W) that are used for mobile banking's service is installed, and the service of described mobile banking for example is account query, funds transfer/remittance, loan general view inquiry and loan interest payment etc.
IC-card chip 11 can be dismantled from mobile communication system 10, and has various stored informations, such as PIN(Personal Identification Number) information, user and other people financial account information and customer information.The user can visit institute's canned data by PIN authentication, wherein by the information of input about the password of IC-card chip 11, i.e. and PIN information, and by checking whether the PIN information of being imported is matched with the PIN information of being stored and carries out the PIN authentication.In addition, coupling and stored the various information relevant with each loan account in IC-card chip 11, for example code of account number and password, corresponding financial institution, account's kind (for example regular savings account account, savings account, fixed deposit by installment account, the loan account that is used to buy a house in installments etc.) with each accounts of finance.
When the stored information of when providing IC-card chip 11, setting IC-card chip 11 such as financial institution's window of bank's window.The user can authenticate the login of finishing IC-card chip 11 by PIN, whether the PIN information that allows described PIN authentication check to be stored in the IC-card chip 11 is matched with the PIN information of importing by mobile communication system 10, and then can revise and interpolation financial account information (account number, password etc.) by mobile communication system 10.
In addition, when the user applied for IC-card chip 11 by mail service rather than personal visit financial institution, financial institution sent to the user with IC-card chip 11 under the state that PIN information can't be set.After only he has received IC-card chip 11 in user notification financial institution, financial institution provides Short Message Service (SMS) to user's that IC-card chip 11 has been installed mobile communication system 10, and then user's Management IC the core of the card sheet 11 under the state that PIN information can be set.Thereby, can prevent misuse in advance to IC-card chip 11, when IC-card chip 11 is sent out this misuse to IC-card chip 11 lose or stolen responsible.Therefore, can support the user to make the IC-card chip be issued and need not directly visit financial institution.In other words, the short message of SMS comprises the control messages that is used to be provided with PIN information, and is forwarded to mobile communication system 10.The control messages that is forwarded to mobile communication system 10 is called the IC-card API (API) (referring to Fig. 2) that is implemented in the mobile communication system 10.Then, Java Virtual Machine (Java VM) is transferred to IC-card driver with the data of IC-card API together with control messages by the S/W of system.Then, on IC-card chip 11, operate control messages, thereby PIN information can be set.
In addition, in IC-card chip 11, can select to come some accounts of finance of registration and management user (he) or all other men as " preference deposit account " by the user, together with information, so that make funds transfer/remittance more convenient about the depositor of described some accounts of finance.
IC-card chip 11 not only only visits its stored information by PIN authentication, and it can also be connected and use in mobile communication system 10 where necessary, and it can be preserved separately obsolete the time.Therefore, in the time of not only can working as the user input information relevant the user is facilitated, and can guarantee the fail safe of institute's input information with their accounts of finance.
In addition, disclosed in the present invention mobile communication system 10 and bank server 40 can use the encryption solution such as E2E (end-to-end), WPKI (WPKI) etc. on the basis, be used for the data under the mobile environment and the fail safe of Financial Information.
Fig. 2 illustration the hierarchy or the configuration of software (S/W) of mobile communication system 10.
Referring to Fig. 2, the configuration of the software of mobile communication system 10 (S/W) has and is established as than IC-card driver 16 and the S/W15 of system, the Java Virtual Machine (JavaVM) 14 of the structure of bottom and be established as the bank than the structure on upper strata and use 12 and IC-card API 13, wherein IC-card driver 16 is the data that are used for Management IC the core of the card sheet 11, and the S/W15 of system is the basic function that is used for management of mobile telecommunication system 10.
It is the treatment S/W programs that are used to carry out the mobile financial transaction of account transfer/remittance such as account query, fund, loan/payment etc. that bank uses 12.
Java VM 14 is defined intermediate codes, uses 12 so that allow to move (moving) bank by virtual machine, and unattended operation system (O/S) or platform.
Use 12 as the bank of S/W program and receive data and selection instructions by mobile communication system 10 with a series of processes that are used for sweep account inquiry, perhaps export the result of account query etc., and transfer of data is received data to IC-card chip 11 and bank server 40 and from IC-card chip 11 and bank server 40.
Bank use 12 and IC-card API 13 can be by using Java VM 14 function with carry out renewal than the structure-irrelevant ground of bottom, and can be by the download and the renewal of wireless network execution to S/W.
At this moment, will and be briefly described about the process of using 12 places visits IC-card chip in bank below.
In the present invention, in order to read PIN information and the financial account information that is stored in the IC-card chip 11, use 12 places in bank and call IC-card API 13, and Java VM 14 comes by the S/W of system 15 reading instruction of corresponding information to be transferred to IC-card driver 16 based on the data of IC-card API 13.Thereby IC-card driver 16 drive IC the core of the card sheets 11 are read corresponding information.
Equally, bank uses 12 and handles the information of reading from IC-card chip 11, it is shown in the display window of mobile communication system 10, and 40 transmission of request bank server are served the information that is produced by the mobile banking such as sweep account inquiry, mobile funds transfer/remittance and mobile loan account inquiry and loan interest payment.
Hereinafter, each embodiment of the present invention will be described with reference to the drawings, wherein each embodiment relates to the mobile banking's service such as account query, account transfer/remittance, loan account inquiry and loan interest payment etc.
Will be in each embodiment described below, bank uses 12 and has different items according to every kind of bank service.For example, bank uses 12 can be classified as account query application, the application of account transfer/remittance and loan/payment application, and they are all provided identical label.
First embodiment
Fig. 3 shows the flow chart according to the sweep account inquiry service of first embodiment of the invention, wherein illustration by the process that the sweep account inquiry service is provided alternately between IC-card chip 11 and mobile communication system 10 and the bank server 40.
Referring to Fig. 3,, select e-bank's bankbook service (S301) by as shown in Figure 4 M/B (mobile banking) dedicated array of keys or the menu option that are installed on the mobile communication system 10 in order to use sweep account inquiry service according to first embodiment.In the option of e-bank's bankbook service, select any one, i.e. account query service (S302).
When selecting the account query service from the option of e-bank bankbook service, bank uses or account query is used 12 entr screens that start the PIN information in the display window of mobile communication system 10 in response to the input signal of key.Then, after the user imported PIN information, account query was used 12 visit IC-card chips 11, reads the PIN information that is stored in the IC-card chip 11, and carries out PIN authentication (S303) by PIN information of relatively being imported and the PIN information of reading.
Password when the IC-card chip of importing by mobile communication system 10 11, be PIN information, when being matched with the PIN information that is stored in the IC-card chip and then finishing login to IC-card chip 11, account query is used the display window that 12 accounts of finances that will be stored in the user in the IC-card chip 11 output to mobile communication system 10.Thereby, the kind of customer inspection accounts of finance, and acquisition outputs to the tabulation (S304) of the common accounts of finance of all except loan account of display window.
Then, the user selects one and prepares the accounts of finance of inquiry and ask account query (S305) in the tabulation of shown accounts of finance from the display window of mobile communication system 10.In response to this request, account query is used 12 and is come verification about the information of user-selected accounts of finance (promptly by IC-card chip 11, account number and password, financial institution's code, customer information etc.), and structure comprises the account query request message of check information.
Mobile communication system 10 is come socket (socket) access bank server 40 by BTS/BSC 20 and PDSN 30, setting up data transmission link (S306), and transmit constructed account query request message with the information (S307) of request about the last sale history of accounts of finance.In this point, mobile communication system 10 can receive the beginning of account query and do like this after the Close Date from the user.
Therefore, bank server 40 is carried out authentication procedure by account number and the password, customer information or the like of transmission from mobile communication system 10.When the authentication finished accounts of finance, bank server 40 is from the transaction history information of master server in the extraction inquiry period nearest or appointment, structure comprises the transactions history response message of the transaction history information of extracting, and constructed transactions history response message is transferred to corresponding mobile communication system 10 (S308).
When mobile communication system 10 normally receives the transaction history information of inquiring about about accounts of finance by above-mentioned process, discharge the data transmission link (S309) between mobile communication system 10 and the bank server 40, and account query is used 12 information (S310) that show transactions history about the scheduled date of accounts of finance, remaining sum etc. in the display window of mobile communication system 10.
Although not shown in the accompanying drawings, according to circumstances, the user can upgrade the information about new account and old account, and described new account is opened an account recently in certain banking institution, and described old account is corrected/stops.Use cordless communication network in the IC-card chip of mobile communication system, to store institute's updated information.User freely correction/modification is provided for the PIN information of the IC-card chip of mobile communication system.
As mentioned above, in the present invention, select and import automatically and handle account number and password, customer information etc. by option, and need not import them individually, can provide convenience to the user like this.In addition, mobile communication system is carried out such as a series of processes of selecting accounts of finance in advance, and access bank server, and beginning account query process are so that can reduce the time that is used for the access bank server and the network load of communication network.
Fig. 4 according to first embodiment sequentially illustration interface screen, use 12 by driving account query, each interface screen is shown in user's the display window of mobile communication system 10.
Referring to Fig. 4, in order to carry out bank service, the user presses the M/B dedicated array of keys 401 that is installed on the mobile communication system 10 and starts e-bank's bankbook service, and then selects account query service 402 (inquiry/account transfers of the fund of depositing) in the option of e-bank's bankbook service.
The display window of mobile communication system 10 allows to show the entr screen 403 of the PIN information that is used to start the account query service.Then carry out authentication procedure by the PIN information of mobile communication system 10 inputs.After finishing authentication, visit, extraction also show the tabulation 404 that is stored in the user's accounts of finance in the IC-card chip 11.
When the accounts of finance of selecting any preparation inquiry in the accounts of finance tabulation of user from the display window that is shown in mobile communication system 10 and request inquiry, mobile communication system 10 uses the information relevant with selected accounts of finance to make up inquiry request message 405, and constructed inquiry request message is transferred to bank server 40.Mobile communication system 10 receives the data that obtained by described inquiry, and shows transactions history 406 with regard to the date.
Second embodiment
Fig. 5 illustrates the flow chart that moves account transfer/remittance service according to second embodiment of the invention, wherein illustration by handling the process that mobile account transfer/remittance is served alternately between IC-card chip 11 and mobile communication system 10 and the bank server 40.
Referring to Fig. 5,, select the bankbook service S501 of e-bank by as shown in Figure 6 the M/B that offers mobile communication system 10 (mobile banking) dedicated array of keys or menu option in order to obtain to move the service of account transfer/remittance.In the option of e-bank's bankbook service, select any one, i.e. account transfer/remittance service S502.
Thereby account transfer/remittance is used (or mobile banking uses) 12 entr screen and PIN information is outputed in the display window of mobile communication system 10.Then, after the user imports PIN information S503, account transfer/remittance is used the IC-card chip 11 that 12 visits are connected in mobile communication system 10, read the PIN information that is stored in the IC-card chip 11, compare PIN information of being imported and the PIN information of reading, and authentication is to the visit S504 of the storage data of IC-card chip 11.
When institute's PIN information of import and reading was mated mutually and finish login to IC-card chip 11, account transfer/remittance application 12 accounts of finances that will be stored in the user in the IC-card chip 11 were shown in the display window of mobile communication system 10.When selecting by the user to import the key signals relevant with funds transfer/remittance, the tabulation S505 of the common accounts of finance of output except loan account.Then, the user selects drawing account S506 from shown accounts of finance tabulation, so that the user can obtain the service relevant with funds transfer/remittance.
Then, account transfer/remittance is used 12 and show the entr screen of deposit account in the display window of mobile communication system 10, thereby allows by user's input about the information of the account number of deposit account and about the information S507 of financial institution.Here, the user can select and import deposit account information by searching for, and need not directly import the information of deposit account.In other words, when the user selects the search option of deposit account, account transfer/remittance uses that 12 visit IC-card chips 11 are exported the tabulation of the accounts of finance that is classified as " preference deposit account " and about its depositor's information, and the user can also select any one accounts of finance as deposit account.
In addition, account transfer/remittance is used 12 and is received about the information of the password of user-selected drawing account with about the information S508 of transfer amount.
When finishing the account transfer that this input and selection process and user then ask fund/remittance, account transfer/remittance is used 12 sockets visit and is kept the bank server 40 of the financial institution of described drawing account, and sets up data transmission link.
Account transfer/remittance is used 12 and is produced preparation transfer transactions request message by the information relevant with account transfer/money transfer amount with deposit account with drawing, and by described data transmission link request preparation transfer transactions S509 from the bank server 40 of the financial institution that keeps described drawing account.
As the response message S510 that normally receives from bank server 40 based on the preparation transfer transactions, so and user when pressing acknowledgement key, the random digit of bank server 40 formation ranges between 1 to 35 is as the numeral of safety card.The customer inspection safety card is imported the password corresponding to the safety card of safety card numeral.
Thereby account transfer/remittance is used 12 and is used transactions history and safety information card to make up main transfer transactions request message, and to the main transfer transactions S511 of bank server 40 requests.
When bank server 40 is carried out authentication S512 based on safety card, handle corresponding main transmission transaction S513, and when normally transmitting main transfer transactions response message S514, discharge the data transmission link between mobile communication system 10 and the bank server 40, and account transfer/remittance application 12 will be handled in the display window that the results are shown in mobile communication system 10 of main transfer transactions.
By this way, after main transfer transactions successfully finished, the user can be registered in the deposit account that is used for funds transfer " preference deposit account " tabulation.Then, with the information stores of this registration in IC-card chip 11.
As mentioned above, select to handle the information relevant by option, and need not import them individually, can provide convenience to the user like this with the credit/debit account with importing automatically.In addition, after a series of processes of having carried out the credit/debit account that is used for funds transfer such as input, input transfer amount etc., mobile communication system 10 access bank servers 40.Therefore, can reduce the time that is used for access bank server 40 and the network load of communication network.
Fig. 6 according to second embodiment sequentially illustration interface screen, use 12 by account transfer/remittance and show each interface screen to the user.
Referring to Fig. 6, the user presses the M/B dedicated array of keys 601 that is installed on the mobile communication system 10 and starts e-bank's bankbook service 601, and then selects account transfer/remittance service (inquiry/account transfer of the fund of depositing) 602 from the option of e-bank's bankbook service.
Therefore, the display window of mobile communication system 10 allows to show the entr screen 603 of PIN information.After the PIN authentication of finishing about IC-card chip 11, extract the tabulation that is stored in the user's deposit account in the IC-card chip 11, and in the display window of mobile communication system 10, show the tabulation of deposit account.
In addition, the display window that allows mobile communication system 10 is by exporting the entr screen of deposit account by means of the menu that is used for account's search or deposit account 604 is selected in its depositor's tabulation, and allows its output to be used for the account's password that the user can import and the entr screen 605 of transfer amount.
By this way, when having selected the credit/debit account and having imported transfer amount, the network of carrying out between mobile communication system 10 and bank server 40 connects and transfer of data.Then, mobile communication system 10 receives the result who handles funds transfer/remittance from bank server 40, and the result who is received is outputed to its display window 606.
The 3rd embodiment
Fig. 7 is the flow chart that the process that moves loan general view and loan interest inquiry is shown according to third embodiment of the invention.
Fig. 7 illustration by the general view that comes the inquiring user loan account alternately between IC-card chip 11 and mobile communication system 10 and the bank server 40 and the process of loan interest.
Referring to Fig. 7, select the bankbook service S701 of e-bank by M/B (mobile banking) dedicated array of keys or the menu option that offer mobile communication system 10.In the option of e-bank's bankbook service, select any one, i.e. inquiry/payment services.
Thereby, loan/payment is used (or bank uses) 12 input informations with PIN information and is outputed to the display window of mobile communication system 10, visit IC-card chip 11, read the PIN information that is stored in the IC-card chip 11, relatively by the PIN information of user's input and the PIN information of storage, and carry out the PIN authentication, so that the data of visit IC-card chip 11.
When institute's PIN information of import and storing was mated mutually and finish login to IC-card chip 11, loan/payment application 12 loan accounts that will be stored in the user in the IC-card chip 11 were shown in the display window of mobile communication system 10.
The user asks to inquire about S702 by the respective account of selecting to prepare inquiry in the loan account tabulation that shows from the display window of mobile communication system 10, loan/payment is used 12 sockets visit and is kept the bank server 40 of the financial institution of selected loan account, and sets up data transmission link.
Then, loan/payment is used 12 account numbers by loan account, password etc. and is produced the transactions history inquiry request message, and by application for credit transactions history inquiry in the described data line road direction bank server 40.
In response to this request, bank server 40 is carried out predetermined customer authentication process, check the nearest transaction history data of corresponding loan account with its master server interaction, make up loan transaction historical responses message, and with constructed loan transaction historical responses transmission of messages to mobile communication system 10.
By this way, when normally receiving the loan transaction history of corresponding loan account, discharge the data transmission link between mobile communication system 10 and the bank server 40, and loan/payment application 12 is shown in Query Result in the display window of mobile communication system 10.
At this moment, the output of Query Result comprise the account number, the amount of the loan of corresponding loan account, together with S703 such as the loan payment history that shows in the moon/day of handling/year, the loan repayment amount of money, the loan interest amount of money.After this loan general view of request, the user selects and clicks the option S704 that is used for the loan interest inquiry.Then, mobile communication system 10 is carried out data access to bank server 40 once more, account number, password, query term by loan account wait and make up the loan interest inquiry request message, and constructed loan interest inquiry request message is transferred to bank server 40.
Bank server 40 is checked the data relevant with the loan interest of corresponding loan account, produces the loan interest query response message, and the loan interest query response message that is produced is transferred to mobile communication system 10.
By this way, when normally receiving the loan interest query response message, discharge the data transmission link between mobile communication system 10 and the bank server 40, and loan/payment is used 12 and is checked the message that is received, and will be shown in the display window of mobile communication system 10 about the information of the loan interest of corresponding loan account.Here, the output of Query Result can comprise the amount of money, the loan repayment amount of money of account number, loan balance, the commencement date and deadline of calculating loan interest, loan interest, overdue interest etc.
Fig. 8 is an illustration at the process of the loan account general view of mobile communication system 10 and bank server 40 place's inquiring users and the flow chart that is used for the process of payment on account of credit interest.
Fig. 8 shows the process of selecting e-bank's bankbook and loan/payment options, with inquiry and output directed lending account's general view S801 and S802, and similar described in itself and Fig. 7.
By this way, after having inquired about the particular loan account, when preparing the payment on account of credit interest, select and click payment options S803 by the user by mobile communication system 10.Then 12 visit IC-card chips 11 are used in loan/payment, and show the tabulation of the drawing account in the common accounts of finance (except loan account) in the display window of mobile communication system 10.
Now, the user can select corresponding drawing account from the tabulation of the drawing account the display window that is shown in mobile communication system 10, and imports the password of corresponding drawing account.Here, can by be stored in the IC-card chip 11 the account or by the user directly input select drawing account S804.
Loan/payment use 12 by about loan account and payment, drawing account and number thereof, the information of carrying out financial institution that currency withdraws deposit etc. produces preparation loan interest payment transaction request message, and the data transmission link of foundation and bank server 40, and then by this data transmission link request preparation loan interest payment transaction.
Then, bank server 40 and the financial institution with this drawing account be collaborative to carry out predetermined customer authentication process, makes up preparation loan interest payment transaction response message, and will prepare loan interest payment transaction response message and be transferred to mobile communication system 10.
After having shown the preparation loan interest payment transaction history of being transmitted by bank server 40 and then carried out final " repaying affirmation " by the user in the display window of mobile communication system 10, loan/payment application 12 produces main loan interest payment transaction request message and it is transferred to bank server 40.
Bank server 40 is handled the main loan interest payment transaction history about loan account and drawing account, and main loan interest payment transaction response message is transferred to mobile communication system 10.
By this way, when normally having received main loan interest payment transaction response message, 12 data transmission links that discharge between mobile communication system 10 and the bank server 40 are used in loan/payment, and handled result are outputed to the display window of mobile communication system 10.
Wherein, process with reference to figure 7 and the 8 loan inquiry/interest payments of describing generally is divided into loan account general view query procedure, loan interest query procedure and loan interest payment process, and all these processes can be performed discretely or be performed continuously with other any processes.In other words, the user can select loan account and drawing account at once and need not inquire about loan account and loan interest respectively, and handles the payment of loan interest (or capital).In addition, the user can inquire about the details of loan general view and loan interest, and payment on account of credit interest and/or capital.
As mentioned above, according to the present invention, when the user uses bank service by using this mobile communication system, omitted and imported the program of account number and ID (PIN)/password at every turn by mobile communication system, because bank's application of having used the detachable IC card chip and on Java VM, having driven.Therefore, it is more convenient to make the user carry out banking.
In addition, according to the present invention, before mobile communication system access bank server, handle various mobile banking services or authentication.Therefore therefore, can minimize the access time between mobile communication system and the bank server, and reduce user's expense (that is) burden, communication cost, and minimize network load of making a phone call.Simultaneously, can authenticate the data that strengthen under the mobile environment and the fail safe of Financial Information by the PIN of detachable IC card chip or any other security module.
Although simply illustration previous embodiment be used for by using mobile communication system that the method for bank service is provided realizing, but those skilled in the art are to be understood that, wherein can make the change on various forms and the details, and can not deviate from by the defined the spirit and scope of the present invention of claims.
Commercial Application
As mentioned above, according to the present invention, when the user uses bank service by using this mobile communication system, omitted and imported the program of account number and ID (PIN)/password at every turn by described mobile communication system, because bank's application of having used the detachable IC card chip and on Java VM, having driven.Therefore, can make user's banking more convenient.
In addition, according to the present invention, before mobile communication system access bank server, various mobile banking services or authentication have been handled.Therefore therefore, can minimize the access time between mobile communication system and the bank server, and reduce user's expense (that is) burden, communication cost, and minimize network load of making a phone call.Simultaneously, can authenticate the data that strengthen under the mobile environment and the fail safe of Financial Information by the PIN of detachable IC card chip or any other security module.
Although simply illustration previous embodiment be used for by using mobile communication system that the method for bank service is provided realizing, but those skilled in the art are to be understood that, wherein can make the change on various forms and the details, and can not deviate from by the defined the spirit and scope of the present invention of claims.
Claims (15)
1. one kind is used for by using mobile communication system that the method for bank service is provided, wherein use the bank server of mobile communication system and at least one financial institution to carry out financial transaction, described mobile communication system has dismountable built-in integrated circuit IC-card chip, described IC card chip stores personal identity number PIN information at least and about the relevant information of user's accounts of finance, described method comprises:
The M/B of mobile banking dedicated array of keys by offering described mobile communication system and any one in the menu option are selected e-bank's bankbook service, and select any financial transaction from the financial transaction of described e-bank bankbook service;
PIN information in the input of described mobile communication system place is compared with the PIN information that is stored in the IC-card chip, and authentication is to being stored in the visit of the data in the described IC-card chip on the described mobile communication system;
The Financial Information step display after the login of finishing by described PIN authenticating step described IC-card chip, shows the user's financial account information that is stored in the described IC-card chip in the display window of described mobile communication system;
When having imported at described mobile communication system place based on the time to the signal of the selection of accounts of finance, use the relevant information of selected accounts of finance should be used for forming the financial transaction request message, and described financial transaction request message transmission is arrived bank server by the bank that is implemented in the described mobile communication system;
Carry out predetermined customer authentication process at bank server, and the financial transaction response message is transferred to described mobile communication system about described financial transaction and accounts of finance; And
Reception is from the described financial transaction response message of described bank server transmission, and the transactions history that demonstration obtains in the display window of described mobile communication system;
Wherein said mobile communication system and described bank server use any in the encryption solution that comprises end-to-end E2E and WPKI WPKI, are used to guarantee the data under the mobile environment and the fail safe of Financial Information.
2. method according to claim 1, wherein said mobile communication system is any among mobile phone, smart phone and the personal digital assistant PDA, and wherein said formation step comprises account number by each accounts of finance that uses the user, forms described financial transaction request message corresponding to the kind and the customer information of financial institution's code of described accounts of finance, described accounts of finance.
3. method according to claim 1, also comprise when the financial transaction of selecting by described mobile communication system is accounts of finance inquiry transaction, should be used for checking the relevant information of selected accounts of finance by bank at described IC-card chip place, the account query request message transmission is arrived corresponding bank server, and show from the response message of the transactions history of described bank server transmission.
4. method according to claim 2, also comprise when the financial transaction of selecting by described mobile communication system is accounts of finance inquiry transaction, should be used for checking the relevant information of selected accounts of finance by bank at described IC-card chip place, the account query request message transmission is arrived corresponding bank server, and show from the response message of the transactions history of described bank server transmission.
5. method according to claim 1 also comprises:
When the financial transaction of selecting by described mobile communication system is account transfer/money transfer transactions, import the account number of deposit account of the password of the drawing account in the described accounts of finance and transfer amount, described accounts of finance and the information of respective financial institutions;
Information based on credit/debit account and transfer amount is prepared transfer transactions to corresponding bank server request;
Generate the safety card numeral that comprises at least one random digit from described bank server in response to described preparation transfer transactions, the safety card Digital Transmission that is generated is arrived described mobile communication system, once more described safety card numeral is input in the described mobile communication system, and the safety card Digital Transmission of input is arrived described bank server; And
Described safety card Digital Transmission is arrived described bank server, with the main transfer transactions of request about corresponding credit/debit account, and receive the result who handles described main transfer transactions from described bank server, so that in the display window of described mobile communication system, show handled result.
6. method according to claim 5 also comprises the target account after the financial transaction is registered as the preference account.
7. method according to claim 6, wherein said input step comprise by described mobile communication system directly import the step of the account number of deposit account and corresponding financial institute information and by the application of described bank by means of in the step of the search of " preference deposit account " optionally being imported deposit account any.
8. method according to claim 2 also comprises:
When the financial transaction of selecting by described mobile communication system is account transfer/money transfer transactions, import the account number of deposit account of the password of the drawing account in the described accounts of finance and transfer amount, described accounts of finance and the information of respective financial institutions;
Information based on credit/debit account and transfer amount is prepared transfer transactions to corresponding bank server request;
Generate the safety card numeral that comprises at least one random digit from described bank server in response to described preparation transfer transactions, the safety card Digital Transmission that is generated is arrived described mobile communication system, once more described safety card numeral is input in the described mobile communication system, and the safety card Digital Transmission of input is arrived described bank server;
Described safety card Digital Transmission is arrived described bank server, with the main transfer transactions of request about corresponding credit/debit account, and receive the result who handles described main transfer transactions, so that in the display window of described mobile communication system, show handled result; And
Target account after the financial transaction is registered as the preference account.
9. method according to claim 8 also comprises the target deposit account after the financial transaction is registered as the preference deposit account.
10. method according to claim 9, wherein said input step comprise by described mobile communication system directly import the step of the account number of deposit account and corresponding financial institute information and by the application of described bank by means of in the step of the search of " preference deposit account " optionally being imported deposit account any.
11. method according to claim 1 when the financial transaction of selecting by described mobile communication system is loan inquiry and loan interest payment, also comprises:
Extraction is stored in the tabulation of the loan account in the described IC-card chip, shows described loan account tabulation in the display window of described mobile communication system, and the relevant information of checking the corresponding loan account of selecting from described loan account tabulation;
Visit corresponding bank server with the information of request based on the relevant information of corresponding loan, receive response message described request about the transactions history of corresponding loan account, and the display window that described response message is outputed to described mobile communication system;
Extraction and demonstration are stored in the tabulation of the common accounts of finance in the described IC-card chip, from described common accounts of finance tabulation, select to be used for the drawing account that currency is withdrawn deposit, and the password of importing described drawing account;
The related information transmission of selected loan and drawing account is arrived corresponding bank server, and request preparation payment transaction receives response message from corresponding bank server, and exports described response message; And
Be used for after normally finishing described preparation payment transaction, cooperating and handle the treatment step of the main payment transaction after the preparation payment transaction with corresponding bank server in response to user's main payment transaction request.
12. method according to claim 2 when the financial transaction of selecting by described mobile communication system is loan inquiry and loan interest payment transaction, also comprises:
Extraction is stored in the tabulation of the loan account in the described IC-card chip, shows described loan account tabulation in the display window of described mobile communication system, and the relevant information of checking the corresponding loan account of selecting from described loan account tabulation;
Visit corresponding bank server with the information of request based on the relevant information of corresponding loan, receive response message described request about the transactions history of corresponding loan account, and the display window that described response message is outputed to described mobile communication system;
Extraction and demonstration are stored in the tabulation of the common accounts of finance in the described IC-card chip, from described common accounts of finance tabulation, select to be used for the drawing account that currency is withdrawn deposit, and the password of importing described drawing account;
The related information transmission of selected loan and drawing account is arrived corresponding bank server, and request preparation payment transaction receives response message from corresponding bank server, and exports described response message; And
Be used for after normally finishing described preparation payment transaction, cooperating and handle the treatment step of the main payment transaction after the preparation payment transaction with corresponding bank server in response to user's main payment transaction request.
13. method according to claim 11 also comprises:
According to the loan interest information of user's request to described bank server application for credit account, receive response message, and the display window that described response message is outputed to described mobile communication system.
14. method according to claim 12 also comprises:
According to the loan interest information of user's request to described bank server application for credit account, receive response message, and the display window that described response message is outputed to described mobile communication system.
15. method according to claim 1, wherein said financial transaction are at least a in accounts of finance inquiry, account transfer and remittance and loan and the loan interest payment.
Applications Claiming Priority (6)
| Application Number | Priority Date | Filing Date | Title |
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| KR1020030041141 | 2003-06-24 | ||
| KR1020030041143A KR100423401B1 (en) | 2003-06-24 | 2003-06-24 | Account transfer/remittance system by mobile-phone and the method |
| KR1020030041142 | 2003-06-24 | ||
| KR1020030041143 | 2003-06-24 | ||
| KR1020030041144 | 2003-06-24 | ||
| KR1020030041140 | 2003-06-24 |
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| CN1810055A CN1810055A (en) | 2006-07-26 |
| CN100444658C true CN100444658C (en) | 2008-12-17 |
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| CNB2004800176342A Expired - Fee Related CN100444658C (en) | 2003-06-24 | 2004-06-22 | System for mobile interactive financial transaction using mobile communication terminal |
| CNB2004800176338A Expired - Fee Related CN100444657C (en) | 2003-06-24 | 2004-06-22 | System for mobile interactive financial transaction using mobile communication terminal |
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| CNB2004800176338A Expired - Fee Related CN100444657C (en) | 2003-06-24 | 2004-06-22 | System for mobile interactive financial transaction using mobile communication terminal |
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| CN (2) | CN100444658C (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN100568303C (en) * | 2004-08-27 | 2009-12-09 | 国际商业机器公司 | Portable closing accounts terminal, system and method based on mobile banking and anti-theft tag |
| KR101156664B1 (en) | 2005-06-20 | 2012-06-15 | 주식회사 비즈모델라인 | Method for Providing Mobile Information |
| US8504450B2 (en) * | 2007-08-31 | 2013-08-06 | Ebay Inc. | Mobile remittances/payments |
| CN102377759B (en) * | 2010-08-25 | 2014-10-08 | 中国移动通信有限公司 | Service processing system, user identity identification method and related devices |
| US9953309B2 (en) | 2010-09-21 | 2018-04-24 | Visa International Service Association | Third party integrated security system |
| CN102103778B (en) * | 2011-02-23 | 2014-04-30 | 中兴通讯股份有限公司 | Mobile payment system, mobile terminal and method for realizing mobile payment service |
| CN102222293A (en) * | 2011-06-01 | 2011-10-19 | 程永生 | Mobile payment method, mobile terminal and system |
| CN102938119A (en) * | 2011-08-15 | 2013-02-20 | 中兴通讯股份有限公司 | Method and system for telephone booking business |
| CN102393983A (en) * | 2011-11-03 | 2012-03-28 | 捷德（中国）信息科技有限公司 | Method for supporting alarm PIN (personal identification number), banking terminal, IC (integrated circuit) card and server |
| CN102663584A (en) * | 2012-04-13 | 2012-09-12 | 中国农业银行股份有限公司四川省分行 | Method and system for transferring account and withdrawing deposit through mobile phone roaming |
| KR101675416B1 (en) | 2014-07-28 | 2016-11-11 | 주식회사 예티소프트 | System and method for realtime detection of abnormal financial transaction |
| KR102317659B1 (en) | 2014-10-13 | 2021-10-26 | 에스케이플래닛 주식회사 | Method for providing of financial service, apparatus and system for the same |
| CN104821050A (en) * | 2015-04-30 | 2015-08-05 | 交通银行股份有限公司 | Method and system for manipulating automatic teller machine |
| CN111971706A (en) * | 2018-02-13 | 2020-11-20 | 贝宝公司 | System and method for performing financial transactions using a wireless personal assistant |
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| CN1245370A (en) * | 1998-07-07 | 2000-02-23 | 花旗银行全国协会（N.A） | Method and system for providing financial service, e. g. family bank |
| WO2002071311A2 (en) * | 2001-03-07 | 2002-09-12 | Halpern John Wolfgang | Mobile phone communications system with increased functionality |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN100444657C (en) | 2008-12-17 |
| CN1810055A (en) | 2006-07-26 |
| KR100423401B1 (en) | 2004-03-18 |
| CN1810054A (en) | 2006-07-26 |
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