KR100625788B1 - Method for locking baning chip and mobile banking system using the same - Google Patents

Abstract

The method for locking a financial chip according to an embodiment of the present invention is for converting a financial chip, which is reported in an accident, into a locked state in a mobile financial transaction using information stored in a financial chip that can be mounted in a mobile communication terminal. A financial transaction request signal determining step of determining whether the received financial transaction request signal is a financial transaction request signal using the reported financial chip when a financial transaction request signal is received from the financial transaction request signal; If it is determined that the received financial transaction request signal is a financial transaction request signal using the accident-reported financial chip, the financial report reported to the mobile communication terminal equipped with the accident-reported financial chip is locked. A financial chip lock signal transmission step of transmitting a financial chip lock signal for switching; And receiving a financial chip lock process when the financial chip lock signal is received, performing a set financial chip lock process for switching the reported financial chip to a locked state. When a financial transaction request using an accident reported financial chip is received, the financial chip reported to the accident is automatically locked, thereby preventing a financial accident due to theft or loss of the financial chip.

Mobile Financial Transactions, Financial Chips, Financial Accidents, Lock Status

Description

TECHNOD FOR LOCKING BANING CHIP AND MOBILE BANKING SYSTEM USING THE SAME}

1 is a schematic configuration diagram of a mobile financial transaction system according to an embodiment of the present invention.

2 is a flowchart illustrating a financial chip locking method according to an embodiment of the present invention.

The present invention relates to a mobile financial transaction using a mobile communication terminal equipped with a financial chip, and more particularly, in response to an accident report such as loss or theft of the mobile communication terminal, the financial chip is locked so that a financial accident occurs. The present invention relates to a method for automatically locking a financial chip that can prevent the failure, and a mobile financial transaction system using the same.

As the spread of mobile communication terminals such as mobile phones and PDA phones has been expanded and their performance has been greatly improved, various services have been provided through mobile communication terminals. For example, a mobile financial transaction service is provided through a mobile communication terminal capable of wireless internet. Mobile financial transaction service users can directly handle financial services such as financial account inquiry and transfer / transfer using their mobile communication terminal.

Therefore, the mobile financial transaction service has a lot of convenient points compared with the existing financial transaction, and thus the spread of the mobile financial transaction service is greatly expanded.

However, if a mobile communication terminal equipped with a financial chip is lost or stolen, the possibility of a financial accident cannot be excluded. PIN (Personal Identification Number) information is stored in the financial chip and is configured to access the financial chip after authentication of the PIN entered through the mobile communication terminal. May occur.

Currently, various measures are taken to prevent financial accidents of such mobile financial transactions.

A method of locking a financial chip through the transmission of a short message service (SMS) has been proposed. That is, when an accident report such as loss or theft is received, an SMS including data (for example, a lock command) for switching the financial chip to a locked state is transmitted to the reported mobile communication terminal, thereby providing the corresponding mobile communication terminal. A method has been proposed to lock the financial chip mounted on the device.

However, in the conventional method described above, when the financial chip mounted on the mobile communication terminal is mounted and used in another mobile communication terminal, the financial chip cannot be locked. In other words, since the SMS is not transmitted to the mobile communication terminal in which the corresponding financial chip is newly installed, the SMS is transmitted to the mobile communication terminal in which the corresponding financial chip is initially installed.

Furthermore, in the case of the method for switching the financial chip to the locked state through the SMS, there is a problem that the structure and processing of the data is complicated.

The present invention has been made to solve the problems described above, the object of the present invention is to provide a financial chip lock method and a mobile financial transaction system using the same can be converted to a locked state of the financial chip reported by a simple method. have.

Furthermore, another object of the present invention is a financial chip locking method and mobile financial using the financial chip that can convert the reported financial chip to a locked state, even when the accident reported financial chip is mounted and used in another mobile communication terminal The purpose is to provide a trading system.

Financial chip locking method according to an embodiment of the present invention for achieving the above object, to convert the financial chip reported accident in a mobile financial transaction using the information stored in the financial chip that can be mounted on the mobile communication terminal For the purpose, when a financial transaction request signal is received from a mobile communication terminal, the financial transaction request signal determining step of determining whether the received financial transaction request signal is a financial transaction request signal using the reported financial chip; If it is determined that the received financial transaction request signal is a financial transaction request signal using the accident-reported financial chip, the financial report reported to the mobile communication terminal equipped with the accident-reported financial chip is locked. A financial chip lock signal transmission step of transmitting a financial chip lock signal for switching; And a financial chip lock process performing a set financial chip lock process for converting the reported financial chip into a locked state when the financial chip lock signal is received.

The financial chip accesses the information stored therein only when the personal identification number authentication performed based on the comparison between the personal identification number stored therein and the input personal identification number input through the corresponding mobile communication terminal is successful. (access) is configured to be allowed, and if the personal identification number authentication fails by a set number of times, it is preferable to be configured to switch to the locked state. In addition, the set financial chip lock process, it is preferable to include the step of attempting to authenticate the personal identification number by the set number of times using a randomly selected input personal identification number.

The set number of times is preferably five or more times.

The financial chip is configured to switch to a locked state when a set command is input, and the set financial chip locking process preferably includes a step of inputting the set command.

The financial transaction request signal determining step may be based on a chip serial number (CSN) of the reported financial chip, the received financial transaction request signal is a financial transaction request signal using the financial report reported accident It is desirable to determine cognition.

The financial transaction request signal determining step may include: when the chip serial number of the corresponding financial chip included in the received financial transaction request signal is the same as the chip serial number of the reported financial chip, the received financial transaction request signal is It is preferable to determine that the financial transaction request signal using the reported financial chip.

According to an embodiment of the present invention, a mobile financial transaction system capable of converting an accident-reported financial chip into a locked state includes a financial chip storing mobile financial transaction information including a personal identification number and access to the financial chip. At least one mobile communication terminal each configured to read the mobile financial transaction information through a mobile financial transaction processing module and configured to generate a financial transaction request signal using the mobile financial transaction information; And a mobile financial transaction server for performing a corresponding financial transaction in response to the financial transaction request signal received from the mobile communication terminal through a communication network. The mobile financial transaction server, when it is determined that the financial transaction request signal received through the communication network is a financial transaction request signal using the reported financial chip, the mobile communication is equipped with the reported financial chip The terminal transmits a financial chip lock signal for converting the accident reported financial chip into a locked state. The mobile financial transaction processing module of the mobile communication terminal equipped with the reported financial chip, when the financial chip lock signal is received, performs a set financial chip locking process for converting the reported financial chip into a locked state. It is preferable.

The financial chip may be transferred to information stored therein only when the personal identification number authentication performed based on the comparison between the personal identification number stored therein and the input personal identification number input through the corresponding mobile communication terminal is successful. Access is configured to allow, and when the personal identification number authentication fails a set number of times is configured to switch to the locked state. The financial chip lock process preferably includes a step of attempting the personal identification number authentication by the set number of times using an arbitrarily selected input personal identification number.

The set number of times is preferably five or more times.

The mobile financial transaction server stores a Chip Serial Number (CSN) of the reported financial chip, and the received financial transaction request signal is based on the chip serial number of the reported financial chip. It is desirable to determine whether it is a signal for requesting a financial transaction using the reported financial chip.

The mobile financial transaction server, when the chip serial number of the financial chip included in the received financial transaction request signal is the same as the chip serial number of the reported financial chip, the financial transaction request signal received through the communication network It is preferable to determine that the financial transaction request signal using the reported financial chip.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a schematic diagram of a mobile financial transaction system 100 according to an embodiment of the present invention.

Mobile financial transaction system 100 according to an embodiment of the present invention, has a function that can switch the financial report reported to the locked state.

As shown in FIG. 1, the mobile financial transaction system 100 according to an embodiment of the present invention may be connected to at least one mobile communication terminal 101 and a mobile communication terminal 101 through a communication network 103. It includes a mobile financial transaction server 105 that can transmit and receive.

Mobile financial transactions include not only banking transactions that perform account transfers using mobile terminals, but also arbitrary financial transactions, such as credit card transactions or membership card services.

The communication network 103 may be any communication network that enables wireless data transmission and reception between the mobile communication terminal 101 and the banking server 105. For example, the communication network 103 may include a mobile communication base station, a base station transceiver system (BTS) / base station controller (BSC), a packet data switching network (PDSN) for packet data transmission, and the like.

The mobile communication terminal 101 may be any terminal such as a mobile phone, a smart phone, a PDA phone, and the like, capable of wireless communication. The mobile communication terminal 101 includes various hardware and software for wireless communication, and performs a financial chip locking method including a financial chip locking process according to an embodiment of the present invention described below. It is composed.

The mobile financial transaction server 105 receives various financial transaction request signals from the mobile communication terminal 101 through the communication network 103 and performs a financial transaction procedure corresponding to the received financial transaction request signal. In addition, the mobile financial transaction server 105 preferably transmits the result of the processing of the financial transaction to the mobile communication terminal 101 through the communication network 103.

For example, the mobile communication terminal 101 and the mobile financial transaction server 105 perform wireless communication using a set protocol. For example, the mobile communication terminal 101 and the mobile financial transaction server 105 may perform wireless communication using the TCP / IP protocol.

The mobile financial transaction server 105 may include a web server that interacts with the mobile communication terminal 101 and a web server of a financial institution.

The mobile communication terminal 101 includes a banking chip 107 and a mobile financial transaction processing module 109.

The financial chip 107 may be any storage device capable of storing data. For example, the financial chip 107 may be an IC card chip.

The financial chip 107 is preferably formed to be detachable from the mobile communication terminal 101, but may be formed integrally with the mobile communication terminal 101.

The financial chip 107 stores mobile financial transaction information including a personal identification number (PIN).

The mobile financial transaction information may further include various kinds of information necessary for the mobile financial transaction. For example, the mobile financial transaction information may include authentication information, financial information, personal information, and the like. The authentication information preferably includes a variety of information required for authentication of mobile financial transactions. The financial information preferably includes information about the bank, account information, and other financial service information. And, the personal information preferably includes information necessary for personal authentication, such as a social security number.

The financial chip 107 is a storage device for storing an application program that performs a function of storing or managing (modifying and updating) information in the mobile financial transaction information and the storage device as described above, and a processor for driving the application program. It is preferable to include a processor and an interface unit for interface with the mobile financial transaction processing module 109 of the mobile communication terminal 101. As such, the configuration of the financial chip 107 will be apparent to those of ordinary skill in the art, and thus a detailed description thereof will be omitted.

The financial chip 107 has a personal identification number (PIN) stored therein only when the personal identification number authentication performed based on the comparison of the input personal identification number input through the corresponding mobile communication terminal is successful therein. Configured to allow access to the stored information. Specifically, the financial chip 107 is preferably configured to allow access to the information stored therein only when the personal identification number stored therein and the input input personal identification number are the same.

In addition, the financial chip 107 is configured to automatically switch to the locked state (automatic lock function) when such personal identification number authentication attempts fail continuously for a set number of times. That is, the financial chip 107 is configured to be in a locked state when authentication is attempted a number of times continuously set to an input personal identification number that does not match the personal identification number stored therein.

The set number of times is preferably five or more times.

That is, the financial chip 107 of the mobile financial transaction system 100 according to the embodiment of the present invention is configured to automatically lock when an authentication attempt is made for a number of times set by an incorrect personal identification number.

In another embodiment of the present invention, the financial chip 107 is preferably configured to switch to a locked state when a set command is input. When the set command is input, the financial chip 107 is configured to automatically switch to the locked state.

The mobile financial transaction processing module 109 is configured to read mobile financial transaction information through an access to the financial chip 107. The mobile financial transaction processing module 109 may be configured to generate a financial transaction request signal desired by the user using the mobile financial transaction information.

The financial transaction request signal preferably includes a signal for requesting an arbitrary financial transaction such as balance inquiry of the account and transfer / transfer. In addition, the financial transaction request signal includes a chip serial number (CSN) of the financial chip 107.

The mobile financial transaction processing module 109 can be realized as a software group mounted in the storage of the mobile communication terminal 101.

For example, the mobile financial transaction processing module 109 is mounted on a system software that manages the basic functions of the mobile communication terminal 101, a Java VM, and a Java virtual machine. It is preferable to include a mobile banking application for performing a series of processes for financial transactions, a banking chip driver for managing the financial chip 107, and the like. In addition, the mobile financial transaction module 109 may further include an interface unit for interfacing with the financial chip 107, a communication interface unit for interfacing with a communication module of the mobile communication terminal 101, and the like.

The financial transaction request signal generated by the mobile financial transaction processing module 109 is transmitted to the mobile financial transaction server 105 through the communication network 103, and the mobile financial transaction server 105 is a mobile communication through the communication network 103. The corresponding financial transaction is performed in response to the financial transaction request signal received from the terminal 101.

The mobile financial transaction processing module 109 of the mobile financial transaction server 105 and the mobile communication terminal 101 performs corresponding processes of the financial chip locking method according to an embodiment of the present invention to be described later.

Hereinafter, with reference to FIG. 2, a financial chip locking method according to an embodiment of the present invention will be described.

Financial chip lock method according to an embodiment of the present invention, the financial chip reported by accident in a mobile financial transaction using the information stored in the financial chip 107 that can be mounted on the mobile communication terminal 101 to the locked state Switch.

When an accident report of the mobile communication terminal 101 and / or the financial chip 107 is received, the accident report information corresponding to the accident report is stored in the mobile financial transaction server 105 (S201). The accident report information preferably includes a Chip Serial Number (CSN) of the financial chip 107 reported.

An accident report includes a report on any situation in which a financial accident may occur, such as a loss report or theft report.

The mobile financial transaction server 105 determines whether a financial transaction request signal is received from the mobile communication terminal 101 (S203).

When the financial transaction request signal is received from the mobile communication terminal 101, the mobile financial transaction server 105 determines whether the received financial transaction request signal is a financial transaction request signal using the reported financial chip (S205). .

At this time, the mobile financial transaction server 105, the financial transaction request signal received on the basis of the chip serial number (CSN) of the reported financial chip 107 financial transaction request signal using the financial chip 107 reported the accident. It is desirable to determine cognition.

More specifically, the mobile financial transaction server 105, if the chip serial number of the financial chip included in the received financial transaction request signal is the same as the chip serial number of the reported financial chip, through the communication network 103 It is preferable to determine that the received financial transaction request signal is a financial transaction request signal using the reported financial chip 107.

If it is determined in step S205 that the financial transaction request signal received is not a financial transaction request signal using the reported financial chip 107, that is, the chip serial number of the corresponding financial chip included in the received financial transaction request signal is an accident. If it is determined that it is not the same as the chip serial number of the reported financial chip 107, the mobile financial transaction server 105 performs a financial transaction corresponding to the requested financial transaction (S207).

On the other hand, if it is determined that the financial transaction request signal received in step S205 is a financial transaction request signal using the financial chip 107 reported, that is, the chip serial number of the corresponding financial chip included in the received financial transaction request signal is If it is determined that the chip serial number of the reported financial chip 107 is the same, the mobile financial transaction server 105 sends a financial chip lock signal for converting the financial chip 107 reported to the locked state to the corresponding financial transaction. The request signal is transmitted to the mobile communication terminal (i.e., the mobile communication terminal 101 equipped with the financial chip 107 which has been reported) (S209).

Therefore, the mobile communication terminal 101 equipped with the accident report financial chip 107 receives the financial chip lock signal transmitted by the mobile financial transaction server 105 (S211).

When the financial chip lock signal is received, the mobile financial transaction processing module 109 of the mobile communication terminal 101 performs a set financial chip locking process for switching the financial chip 107 reported to the locked state (S213). ).

The set financial chip lock process preferably uses the above-described automatic lock function of the financial chip.

That is, the financial chip lock process may include a process of attempting personal identification number authentication using a randomly selected input personal identification number (for example, 111111, 222222, etc.) for a predetermined number of times that an automatic locking function of the financial chip is performed. It is preferable.

By attempting to authenticate the personal identification number as many times as the randomly selected input personal identification number (ie, incorrect personal identification number), the financial chip 107 reported accident is automatically switched to the locked state.

At this time, the set number of times is preferably five or more times as described above.

In another embodiment of the present invention, the financial chip locking process preferably includes the step of inputting the set command for automatically switching the financial chip to the locked state.

By inputting a command to automatically switch the financial chip to the locked state, the financial chip 107 reported accident is automatically switched to the locked state.

In addition, the financial chip locking method according to an embodiment of the present invention, such that the steps for switching the financial chip to the locked state is not performed when the accident report release of the user due to the extinction of the accident report reason is not performed. It is preferable.

In the above, preferred embodiments of the present invention have been described, but the present invention is not limited to the above embodiments, and easily changed by those skilled in the art to which the present invention pertains. It includes all changes and / or modifications to the extent deemed acceptable.

According to an embodiment of the present invention as described above, when a financial transaction request using an accident reported financial chip is received, the financial report by accident is automatically switched to a locked state, the financial by theft or loss of the financial chip You can prevent accidents.

In addition, since it is determined whether the financial chip is reported as an accident based on the chip serial number of the reported financial chip, even if a lost or stolen financial chip is attached to another mobile communication terminal and attempted financial transactions, the stolen financial chip Can be forcibly locked.

Further, by using the financial chip lock process to perform the automatic lock function of the financial chip, it is possible to convert the accident reported financial chip to the locked state in a simpler way.

Claims (12)

delete A financial chip locking method for converting a financial chip reported to an accident in a mobile financial transaction using information stored in a financial chip that can be mounted in a mobile communication terminal, A financial transaction request signal determining step of determining whether the received financial transaction request signal is a financial transaction request signal using the reported financial chip when the financial transaction request signal is received from a mobile communication terminal; If it is determined that the received financial transaction request signal is a financial transaction request signal using the accident-reported financial chip, the financial report reported to the mobile communication terminal equipped with the accident-reported financial chip is locked. A financial chip lock signal transmission step of transmitting a financial chip lock signal for switching; And A financial chip lock process performing a set financial chip lock process for converting the reported financial chip into a locked state when the financial chip lock signal is received; Including; The financial chip accesses the information stored therein only when the personal identification number authentication performed based on the comparison between the personal identification number stored therein and the input personal identification number input through the corresponding mobile communication terminal is successful. (access) is configured to allow, and when the personal identification number authentication fails a set number of times is configured to switch to the locked state, The set financial chip lock process comprises the step of attempting to authenticate the personal identification number by the set number of times using a randomly selected input personal identification number. In claim 2, The set number of times the financial chip lock method, characterized in that more than five times. In claim 2, The financial chip is configured to switch to a locked state when a set command is input, The set financial chip lock process, comprising the step of inputting the set command. The method according to any one of claims 2 to 4, The financial transaction request signal determining step may be based on a chip serial number (CSN) of the reported financial chip, the received financial transaction request signal is a financial transaction request signal using the financial report reported accident Financial chip lock method, characterized in that determining the recognition. In claim 5, The financial transaction request signal determining step may include: when the chip serial number of the corresponding financial chip included in the received financial transaction request signal is the same as the chip serial number of the reported financial chip, the received financial transaction request signal is Financial chip lock method, characterized in that determined to be a financial transaction request signal using the reported financial chip. In the mobile financial transaction system that can switch the reported financial chip to the locked state, A financial chip storing mobile financial transaction information including a personal identification number and configured to read the mobile financial transaction information through access to the financial chip, and request a financial transaction using the mobile financial transaction information. At least one mobile communication terminal each including a mobile financial transaction processing module configured to generate a signal; And And a mobile financial transaction server configured to perform a corresponding financial transaction in response to the financial transaction request signal received from the mobile communication terminal through a communication network. The mobile financial transaction server, when it is determined that the financial transaction request signal received through the communication network is a financial transaction request signal using the reported financial chip, the mobile communication is equipped with the reported financial chip Transmitting the financial chip lock signal for switching the financial report reported to the terminal to the locked state, The mobile financial transaction processing module of the mobile communication terminal equipped with the reported financial chip, when the financial chip lock signal is received, performs a set financial chip locking process for converting the reported financial chip into a locked state. Mobile financial transaction system. In claim 7, The financial chip, It is configured to allow access to the information stored therein only when the personal identification number authentication performed based on the comparison of the personal identification number stored therein with the input personal identification number inputted through the corresponding mobile communication terminal is successful. If the personal identification number authentication fails a set number of times, it is configured to switch to the locked state, The financial chip lock process comprises the step of attempting to authenticate the personal identification number by the set number of times using a randomly selected input personal identification number. In claim 8, The set number of times the mobile financial transaction system, characterized in that more than five times. In claim 7, The financial chip is configured to switch to a locked state when a set command is input, The set financial chip lock process, the mobile financial transaction system comprising the step of inputting the set command. The method according to any one of claims 7 to 10, The mobile financial transaction server stores a Chip Serial Number (CSN) of the reported financial chip, and the received financial transaction request signal is based on the chip serial number of the reported financial chip. Mobile financial transaction system, characterized in that for determining whether the financial transaction request signal using the reported financial chip. In claim 11, The mobile financial transaction server, when the chip serial number of the financial chip included in the received financial transaction request signal is the same as the chip serial number of the reported financial chip, the financial transaction request signal received through the communication network Mobile financial transaction system characterized in that it is determined that the financial transaction request signal using the reported financial chip.

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