KR101005982B1 - System and method for drawing out/in cash by using mobile telecommunication network - Google Patents

Abstract

The present invention relates to a financial service system using a mobile communication network and a method thereof, and in particular, the method of the present invention comprises the steps of determining whether a call connection request is made from a mobile terminal to a set telephone number of a cash dispenser for a financial service at a mobile exchanger; When a call connection request is made, the mobile exchange sends authentication data of the mobile terminal to the financial server corresponding to the telephone number set through the telephone network, compares the stored data, and performs user authentication processing of the financial service, and the user of the financial server. Delivering the approved or unapproved result according to the authentication process to the ATM, and using or not using the financial service at the ATM according to the approved or unapproved result of the financial server. Therefore, the present invention allows the user to use the financial services such as cash withdrawal, cash deposit, bank transfer, etc. through the ATM only after the user authentication of the terminal and the financial server of the mobile communication network, so that the user does not have to hold the card It can prevent the inconvenience and risk of losing the card.

Mobile terminals, mobile exchangers, financial servers, ATMs

Description

Financial service system and method using mobile communication network {SYSTEM AND METHOD FOR DRAWING OUT / IN CASH BY USING MOBILE TELECOMMUNICATION NETWORK}

1 is a schematic diagram showing a financial service system using a mobile communication network according to the present invention;

2 is a flowchart illustrating a financial service method using a mobile communication network according to the present invention.

Description of the Related Art

10: mobile terminal 20: base station

30: base station controller (BSC) 40: mobile switching center (MSC)

50: home position register (HLR) 60: number of PS

70: Financial Server 80: Databases

90: multiple ATMs 100: short message center (SMC)

The present invention relates to a financial service system and a method thereof, and more particularly, to a financial service system and a method using a mobile communication network that can receive cash withdrawal service at the ATM through the authentication of the terminal and the financial server of the mobile communication network.

At present, the ATM (Automatic Tellex Machine), which is a financial automation device, is widely established, so that financial services such as financial service, cash deposit or direct debit service can be used anytime.

In order to use such an ATM, a cash withdrawal card, a debit card, or a credit card issued by a financial institution is required. In other words, the ATM provides a user with a financial service such as cash withdrawal by inputting a password, account number or amount after a user authentication process using data embedded in a card magnetic or IC chip.

However, if the user did not have a cash withdrawal, debit or credit card, he could not use the financial services such as cash withdrawal, cash deposit, and bank transfer through a cash dispenser such as CD / ATM. Therefore, in order to use the financial services of the ATM, the user must have a card supported by the ATM.

An object of the present invention is to use the financial services such as cash withdrawal, cash deposits, account transfers through a cash dispenser only when approved and approved after the user authentication of the terminal and the financial server of the mobile communication network to solve the problems of the prior art as described above The present invention provides a financial service system and a method using a mobile communication network that can prevent a user from carrying a card so that the inconvenience of carrying a card and the risk of losing the card can be prevented.

In order to achieve the above object, the system of the present invention provides a mobile terminal for making a call connection request for user authentication of a financial service to a set phone number, delivering prestored authentication data, and receiving a result of the authentication process, and user authentication of the mobile terminal. A mobile exchanger that transmits the authentication data of the mobile terminal to a server corresponding to the telephone number set by the call connection request for the mobile station and a user authentication processing result of the financial service to the mobile terminal, and authenticates the mobile terminal through the mobile exchanger and the telephone network A banking server is set up that compares the authentication data transmitted from the mobile terminal that requested the call to the set phone number and the previously stored data to approve or disapprove the use of the financial service, and the telephone number for user authentication of the financial service. The approval of the financial server Including ATMs, which, depending on the result for the unauthorized use or no use of financial services.

In order to achieve the above object, the method of the present invention determines whether user authentication data of a financial service is requested from a mobile terminal, and when the user terminal requests user authentication data, the financial server transmits the authentication data to the corresponding mobile terminal and moves. Storing the authentication data at the terminal; determining whether the mobile exchange makes a call connection request from the mobile terminal to the set phone number of the ATM for financial services; and, if there is a call connection request, the mobile exchange is configured through the telephone network. Sending the authentication data of the mobile terminal to the financial server corresponding to the telephone number, comparing the previously stored data to perform user authentication processing of the financial service, and transmitting the result of approval or unauthorized approval according to the user authentication processing of the financial server to the ATM. With steps, gold Enabling or disabling financial services at the ATM according to the approval or non-authorization result of the loan server.

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

1 is a block diagram schematically illustrating a financial service system using a mobile communication network according to the present invention. The mobile station (MS) 10, the base station (BTS) 20, and the base station controller (BSC) are illustrated in FIG. : Base Station Controller (30), Mobile Switching Center (MSC) (40), Home Location Register (HLR) (50), Public Switched Telephone Network (PSTN) (60), Financial server 70, databases 80, a plurality of ATMs 90, 92, 94, and the like.

The mobile terminal (MS) 10 is within the scope of the base station (BTS) 20, and the terminal information is passed through the base station (BTS) 20 and the base station controller (BSC) 30 controlling it. Information transmitted from the mobile switching center (MSC) 40 is transmitted through the base station (BTS) 20 and the base station controller (BSC) 30. The user of the mobile terminal (MS) 10 of the present invention has to undergo user authentication of the mobile communication network in order to use the financial service through the ATM machines 90, 92, and 94. In this regard, the mobile terminal (MS) 10 of the present invention makes a call connection request for user authentication of a financial service with a predetermined telephone number for each ATM (90, 92, 94) to a mobile switching center (MSC) 40. In step 80, the authentication data previously stored in the authentication DB 86 are received, and the user authentication processing result of the financial server 70 is received from the mobile switching center (MSC) 40.

A base station (BTS) 20 connects a mobile terminal (MS) 10 to a base station controller (BSC) 30, performs wireless communication with a mobile terminal (MS) 10, and performs a base station controller (BSC) 30. Performs wired / wireless conversion function that communicates with wires.

The base station controller (BSC) 30 connects the base station (BTS) 20 to the mobile switching center (MSC) 40 to coordinate the connection between the base stations (BTS) 20, and the multiple base stations (BTS) 20 And a signal processing function for communication between the base station (BTS) 20 and the mobile switching center (MSC) 40.

The mobile switching center (MSC) 40 connects a call when the subscriber's mobile terminal (MS) 10 makes or receives a call, and is connected to the base station controller (BSC) 30 to connect the mobile terminal (MS) 10 respectively. Call setup and release), various functions related to call processing and additional services, and interworking with other networks. And the mobile switching center (MSC) 40 of the present invention is a mobile terminal (MS) (10) to the financial server 70 corresponding to the telephone number set by the call connection request for user authentication of the mobile terminal (MS) (10) ), And transmits the result data of the user authentication process for financial services sent from the financial server 70 through the public telephone network (PSTN) 60 to the mobile terminal (MS) 10.

The home location register (HLR) 50 is a database that stores permanent information of the mobile terminal (MS) 10 and subscribers, location information, additional service information, and the like, and is mutually associated with the mobile switching center (MSC) 40. It performs various functions related to call processing and supplementary services and controls services.

The financial server 70 connected to the mobile switching center (MSC) 40 through the public switched telephone network (PSTN) 60 is the switching center (MSC) 40 of the mobile terminal (MS) 10 subscribed to the financial service of the present invention. The authentication data of the authentication DB 86 is transmitted to the mobile terminal (MS) 10 having such authentication data, and when the call connection is made to the set phone number of the ATM machine 90, 92, 94, the mobile switching center (MSC). Received or not approved result to the user to use the financial service in the ATM (90) corresponding to the set phone number by receiving the authentication data of the terminal through the (40) and the data stored in the authentication DB (86) Send it. Here, the authentication data is encrypted authentication key data, and the authentication key data preferably has a valid period.

The databases 80 may include a user DB (DataBase) 82, which stores an account number, a card number, a mobile phone number, etc. of a user who has subscribed to the financial service of the present invention, and a user with an ATM (90, 92, 94). The transaction history DB 84 stores the transaction history of financial services such as cash withdrawal, cash deposit, and bank transfer, and the DB 86 storing authentication key data for receiving a financial service using a mobile communication network.

The plurality of cash dispensers 90, 92, and 94 are cash dispensers such as CD and ATM, which are financial automation devices, and each cash dispenser 90, 92, 94 is a device for providing a financial service of the present invention. Roles that enable or disable financial services without the user using a cash card, debit card, or credit card, depending on the result of approval or disapproval of the network server 70, which has its own unique telephone number. Do it.

The short message center (SMC) 100 sets the SMS routing function and SMS parameters, interprets the destination address of the input SMS message, and sends the SMS message to the mobile terminal (MS) 10, or the mobile terminal (MS). (10) serves to receive the SMS message sent. The short message center (SMC) 100 of the present invention generates the user approval or unapproved result delivered from the financial server 70 as a short message and generates the message through the mobile switching center (MSC) 40. (10). In addition, the short message center (SMC) 100 of the present invention is a cash withdrawal, cash deposit, account from the financial server 70 at the ATM (90, 92, 94) when the financial service of the financial server 70 is approved Receives a financial service transaction history such as a transfer, generates a short message and transmits it to the mobile terminal (MS) 10 through the mobile exchange (MSC) (40).

2 is a flowchart illustrating a financial service method using a mobile communication network according to the present invention. Referring to FIGS. 1 and 2, the method according to the present invention proceeds as follows.

When user authentication data is requested from the mobile terminal (MS) 10 subscribed to the financial service method of the present invention (S10), the mobile switching center (MSC) 40 connects to the financial server (PSTN) 60 through a financial server ( 70) and transmit the request data. The financial server 70 sends the authentication key data of the authentication DB 86 to the mobile switching center (MSC) 40, the mobile switching center (MSC) 40, the base station controller (BSC) 30 and the base station (BTS) Send to the mobile terminal (MS) (10) via the (20). In response, the mobile terminal (MS) 10 stores the transmitted authentication key data.

In order to use the financial service of the present invention, when the mobile terminal (MS) 10 requests a call connection to a telephone number (for example, 123-xxx1) set in an arbitrary ATM machine 90 (S14), the base station (BTS) ( 20) and the MSC 40 connected through the base station controller (BSC) 30 receives the authentication key data from the MS (S16).

The mobile switching center (MSC) 40 sends the authentication key data of the mobile terminal (MS) 10 to the financial server 70 corresponding to the telephone number (for example, 123-xxx1) set through the public telephone network (PSTN) 60. In addition, the financial server 70 performs a user authentication process for providing a financial service according to the present invention, whether the authentication key is correct compared with data previously stored in the authentication DB 86. (S18)

As a result of the authentication process, if the approval is processed, the financial server 70 sends the approval result to the cash dispenser 90 corresponding to the telephone number (for example, 123-xxx1). (S20 to S22) Accordingly, cash such as CD / ATM The ATM 90 approves the user of the mobile terminal 10 to use financial services such as cash withdrawal, cash deposit, and bank transfer.

In step S24, the user of the mobile terminal (MS) 10 who requested the service according to the approval of the cash machine 90, without using a card in the cash machine 90, withdraws the desired cash, deposits, accounts, etc. Financial services are available. As such, when the financial service at the ATM 90 is terminated (S26), the ATM 90 sends data of the financial service transaction history of the user to the financial server 70 and the financial server 70 is a short message. The transaction history data is sent to the message center 100 and converted into a short message. The transaction history message of the converted ATM machine 90 is transmitted to the corresponding mobile terminal (MS) 10 through the MSC 40 (S28).

On the other hand, if the authentication process is not processed as an approval, the financial server 70 sends an unapproved result to the cash dispenser 90 corresponding to the telephone number (for example, 123-xxx1). (S30) Accordingly, cash such as CD / ATM At the withdrawal machine 90, the user of the mobile terminal (MS) 10 disapproves so as not to use financial services such as cash withdrawal, cash deposit, and bank transfer.

In step S22, the financial server 70 sends the approval result to the cash dispenser 90 corresponding to the telephone number (for example, 123-xxx1) and also transmits the approval result to the short message center (SMC) 100. . The short message center (SMC) 100 generates an acknowledgment result message and sends it to the corresponding mobile terminal (MS) 10 via the mobile switching center (MSC) 40.

In addition, in step S30, the financial server 70 sends an unapproved result to the cash dispenser 90 corresponding to the telephone number (e.g., 123-xxx1) and transmits the unapproved result to the short message center (SMC) 100. . The short message center (SMC) 100 generates an unapproved result message and sends it to the mobile terminal (MS) 10 through the mobile switching center (MSC) 40.

The plurality of cash dispensers 90, 92, and 94 are cash dispensers such as CD and ATM, which are financial automation devices, and each cash dispenser 90, 92, 94 is a device for providing a financial service of the present invention. Roles that enable or disable financial services without the user using a cash card, debit card, or credit card, depending on the result of approval or disapproval of the network server 70, which has its own unique telephone number. Do it.

The short message center (SMC) 100 sets the SMS routing function and SMS parameters, interprets the destination address of the input SMS message, and sends the SMS message to the mobile terminal (MS) 10, or the mobile terminal (MS). (10) serves to receive the SMS message sent. The short message center (SMC) 100 of the present invention generates the user approval or unapproved result delivered from the financial server 70 as a short message and generates the message through the mobile switching center (MSC) 40. (10). In addition, the short message center (SMC) 100 of the present invention is a cash withdrawal, cash deposit, account from the financial server 70 at the ATM (90, 92, 94) when the financial service of the financial server 70 is approved Receives a financial service transaction history such as a transfer, generates a short message and transmits it to the mobile terminal (MS) 10 through the mobile exchange (MSC) (40).

As described above, the present invention allows the user to use the financial services such as cash withdrawal, cash deposit, and bank transfer through the ATM only when the mobile terminal and the financial server are authenticated. Therefore, the inconvenience of holding a card and the risk of losing a card can be prevented in advance.                     

On the other hand, the present invention is not limited to the above-described embodiment, various modifications are possible by those skilled in the art within the spirit and scope of the present invention described in the claims to be described later.

Claims (14)

A mobile terminal for making a call connection request for user authentication of a financial service to a set phone number, delivering prestored authentication data, and receiving a result of the authentication processing; A mobile exchanger that transmits authentication data of the mobile terminal to a server corresponding to the set phone number by a call connection request for user authentication of the mobile terminal and delivers a user authentication processing result of a financial service to the mobile terminal; A financial server that transmits authentication data to the mobile terminal through the mobile switching network and the telephone network, and compares the authentication data transmitted from the mobile terminal that has requested a call connection to the set telephone number with previously stored data to approve or disapprove the use of the financial service. Wow, A cash machine for setting a phone number for user authentication of the financial service and enabling or disabling the financial service according to the approval or non-approved result of the financial server. Financial service system using a mobile communication network comprising a. The method of claim 1, The authentication data is a financial service system using a mobile communication network, characterized in that the encrypted authentication key data. The method of claim 1, The authentication key data is a financial service system using a mobile communication network, characterized in that there is a valid period. The method of claim 1, The telephone number set in the ATM is a financial service system using a mobile communication network, characterized in that each device is a unique number. The method of claim 1, And a short message center configured to generate a short message as a result of approval or disapproval of the financial service in the financial server. The method of claim 5, The financial message system using a mobile communication network, characterized in that the approval message or unapproved message of the financial service of the short message center is transmitted to the mobile terminal through the mobile exchange. The method of claim 5, The short message center is a financial service system using a mobile communication network, characterized in that for generating a cash withdrawal history message from the ATM when the financial service of the financial server is approved. The method according to claim 5 or 7, The cash withdrawal history message of the short message center is transmitted to the corresponding mobile terminal through the mobile exchanger. Determining whether user authentication data of a financial service is requested from the mobile terminal; When the mobile terminal requests user authentication data, transmitting the authentication data from the financial server to the corresponding mobile terminal and storing the authentication data in the mobile terminal; Determining whether the mobile exchange makes a call connection request from the mobile terminal to a set phone number of the ATM machine for the financial service; If the call connection request is made, the mobile switching unit performing authentication data processing of the mobile terminal by comparing authentication data of the mobile terminal to a financial server corresponding to a telephone number set through a telephone network, and performing user authentication processing of a financial service;  Transmitting a result of approval or unauthorized approval according to the user authentication process of the financial server to an ATM; Enabling or disabling a financial service at an ATM according to a result of approval or non-approval of the financial server Financial service method using a mobile communication network comprising a. The method of claim 9, The authentication data is a financial service method using a mobile communication network, characterized in that the encrypted authentication key data. The method of claim 9, The authentication key data is a financial service method using a mobile communication network, characterized in that there is a valid period. The method of claim 9, The telephone number set in the ATM is a financial service method using a mobile communication network, characterized in that each device is a unique number. The method of claim 9, Delivering an approval or disapproval result according to the user authentication processing of the financial server to the ATM, generating an approval or disapproval result message by sending the approval or disapproval result to the short message center before or after, and sending the message to the mobile exchanger. The financial service method using a mobile communication network further comprising the step of transmitting to the mobile terminal. The method of claim 9, Transmitting the approved or unapproved result according to the user authentication processing of the financial server to a cash machine, and then generating a cash withdrawal message message that has been transacted at the cash machine through a short message center upon approval of the financial service of the financial server. And transmitting a message to the corresponding mobile terminal through the mobile switching center.

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