KR101023887B1 - Banking service method using the portable terminal - Google Patents

Abstract

The present invention relates to a portable terminal, and more particularly, to a financial transaction service method using a portable terminal capable of servicing a banking function. To this end, the present invention comprises the steps of receiving a plurality of IC cards of different financial companies; In a financial transaction service mode for executing a financial transaction service function, recognizing an IC card selected to receive a service from among the plurality of input IC cards; It is characterized in that the process of starting the financial transaction services of the financial company with the recognized IC card.

Portable Terminals, IC Cards, Financial Transactions, Mobile Banking

Description

Financial transaction service method using a mobile terminal {BANKING SERVICE METHOD USING THE PORTABLE TERMINAL}

1 is a view showing the configuration of a portable terminal according to an embodiment of the present invention.

2 is a view for explaining a device configuration for recognizing a plurality of mounted IC card according to an embodiment of the present invention.

3 is a flowchart illustrating a financial transaction service method using a portable terminal according to an embodiment of the present invention.

FIG. 4 is a flowchart illustrating a process of sensing a switching state in FIG. 3.

*** Explanation of symbols for main parts of drawing ***

10: control unit 21: RF unit

23: data processor 25: audio processor

27: keypad 29: memory

31-35: 1st-3rd IC card slot 31a-35c: 1st-3rd IC card

40: power supply unit 50: camera unit

60: display unit ANT: antenna

MIC: Microphone SPK: Speaker

SW: switch

The present invention relates to a portable terminal, and more particularly, to a financial transaction service method using a portable terminal capable of servicing a banking function.

Recently, as the performance of portable terminals and networks is improved, various services using portable terminals such as mobile phones and PDAs have been provided. In particular, since various mobile banking services are provided, a user can conveniently use financial services such as financial account inquiry, transfer remittance and payment, loan inquiry and payment, etc. anytime, anywhere without directly visiting a bank.

Conventional banking services, for example, Mobile Banking Account Reference Service, Mobile Transfer / Transfer Service are generally WAP-based wireless Internet method, and the URL of the banking server by running the WAP browser on the terminal. After entering the ID and password of the Internet banking user, the account is authenticated, and the financial services such as account inquiry, transfer / transfer and loan account status and payment of the interest are processed.

Such a conventional mobile banking service system is simply a WAP-based wireless Internet service to the Internet banking service on the wired Internet, because the portable terminal does not provide a wide screen and easy input method and storage capacity, such as a PC There was a lot of inconvenience in use.

In addition, since the ID / Password and the account number must be input on the portable terminal every time the various bank services are used, the user may have trouble in using the portable terminal. It was almost impossible to store and use it in memory.

Once the portable terminal and the banking server are connected, they process a series of processes such as account number input and customer authentication, transaction history inquiry, loan account status inquiry and interest payment processing while session connection continues. Therefore, there is a problem of increasing the network load as well as the burden of the user's call charges.

In order to solve this problem, an integrated circuit (IC) card, which stores PIN information and user's financial account related information, is detachable to a portable terminal. Thus, users can use mobile banking at an economical cost of only about 15 to 30% compared to WAP mobile banking. In addition, when using the financial transaction service, it is equipped with a triple security system of personal identification number (PIN), account password, and secret card, so that financial transactions can be performed safely. Currently, mass production of portable terminals supporting financial transaction services through the IC card is increasing. In addition, financial companies that provide financial services through mobile banking will gradually increase.

However, such a conventional portable terminal has only one IC card slot for attaching and detaching the IC card, and there is a problem of having to replace the IC card every time in order to use a financial transaction service according to each financial company. Moreover, the time required to remove the IC card previously installed in the portable terminal, and attach the IC card of the bank to the portable terminal, and after performing this process, it is inconvenient to use the bank's financial services. There is a problem.

Therefore, the present invention has been created to solve the above problems, it is possible to install a plurality of IC cards for financial transaction services, and can provide a financial transaction service of the financial company by selectively executing the mounted IC card. The purpose is to provide a financial transaction service method using a portable terminal.

The present invention for achieving the above object, the process of receiving a plurality of IC (IC) card of different financial companies; In a financial transaction service mode for executing a financial transaction service function, recognizing an IC card selected to receive a service from among the plurality of input IC cards; It is characterized in that the process of starting the financial transaction services of the financial company with the recognized IC card.

In addition, the present invention for achieving the above object, the process of receiving a plurality of IC (IC) cards of different financial companies; In a financial transaction service mode for executing a financial transaction service function, displaying a corresponding financial name of the input IC card in a list; Characterized in that the process of starting a financial transaction service through the IC card according to the selected financial company of the displayed list.

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

It should be noted that in the following description, only parts necessary for understanding the operation and operation according to the present invention will be described, and descriptions of other parts will be omitted so as not to distract from the gist of the present invention.

In the following description, specific details of operations for selecting one IC card among a plurality of IC cards inserted in the portable terminal of the present invention are shown to provide a more general understanding of the present invention. It will be apparent to one of ordinary skill in the art that the present invention may be readily practiced without these specific details and also by their modifications.

In the following description, the financial transaction service mode will be used immediately to mean a mode for providing various financial and convenience services that can replace the bank's physical account and card. In addition, the slots for interfacing a plurality of IC cards provided in the portable terminal of the present invention are described under the assumption that IC cards of different financial companies are mounted. Accordingly, the portable terminal should be provided with a plurality of slots in which a plurality of IC cards can be mounted.

1 is a diagram illustrating a configuration of a portable terminal according to an embodiment of the present invention. Here, the portable terminal may be a portable telephone.

Referring to FIG. 1, the RF unit 21 performs communication of a portable terminal. The RF unit 21 includes an RF transmitter for upconverting and amplifying a frequency of a transmitted signal, and an RF receiver for low noise amplifying and downconverting a received signal.

The data processor 23 includes a transmitter for encoding and modulating the transmitted signal and a receiver for demodulating and decoding the received signal. That is, the data processor 23 may include a modem and a codec. The codec includes a data codec for processing packet data and an audio codec for processing an audio signal such as voice.

The audio processor 25 plays a function of reproducing the received audio signal output from the data processor 23 or transmitting the transmitted audio signal generated from the microphone MIC to the data processor 23. In addition, the audio processor 25 outputs a notification message indicating that a financial transaction service corresponding to a financial company is provided, or a bell / melody corresponding thereto to the speaker SPK according to an exemplary embodiment of the present invention.

The keypad 27 is provided with keys for inputting numeric and text information and function keys for setting various functions. In addition, the keypad 27 may include a menu key, an arrow key, a confirmation key, a cancel key, and the like for selecting an IC card of a corresponding financial company from among a plurality of IC cards according to an embodiment of the present invention. Here, a switch (not shown) may be provided on an external side of the portable terminal so that a user can easily select one of a plurality of IC cards instead of a function key provided to select the IC card of the financial company. That is, in order to select one of the plurality of IC cards through the keypad 27, it is possible to operate the function key provided on the keypad or the operation of the switch described above. Recognizing the IC card selected from the plurality of IC cards through the operation of the switch will be described later with reference to the accompanying drawings.

The memory 29 may be composed of program memory and data memories. The program memory stores programs for controlling a general operation of the portable terminal and programs for providing a financial transaction service through a plurality of IC cards mounted according to financial institutions in accordance with an embodiment of the present invention. In addition, the data memory temporarily stores data generated during the execution of the programs.

The first IC card slot 31, the second IC card slot 33, and the third IC card slot 35 are slots for attaching and detaching the IC card of a financial company capable of financial transaction service, and interface the IC card with the portable terminal. In FIG. 1, the IC card slots are illustrated as the first, second and third IC card slots 31, 33, and 35. However, the IC card slots of the fourth to the Nth slots have a plurality of IC cards and are portable. It may also provide a role of interfacing the terminal.

The controller 10 performs a function of controlling the overall operation of the portable terminal. In addition, the controller 10 may include the data processor 23. In addition, the control unit 10 controls the audio processing unit 25 to output a notification message, or a bell / melody corresponding thereto, to the speaker SPK in the financial transaction service mode according to an embodiment of the present invention. In addition, the control unit 10 recognizes a selected IC card of one of the first and second and third IC card slots 31, 33, and 35 in the financial transaction service mode and through the recognized IC card. It controls the overall operation of servicing financial transactions at the financial institution. Here, the recognition of the corresponding IC card of the financial company selected by the user among the plurality of IC cards will be described in detail later.

The camera unit 50 captures image data, and includes a camera (not shown) having a camera sensor for converting the photographed optical signal into an electrical signal, and a signal processor (not shown) for converting the image signal converted into an electrical signal into an image signal. And an image processor (not shown) for generating screen data for displaying the image signal. The signal processor may be implemented by a digital signal processor (DSP). In addition, the image processor transmits the image signal received under the control of the controller 10 or the image data photographed through the camera unit 50 in accordance with the standard of the display unit 60, and compresses and extends the image data.

The display unit 60 displays messages generated during program execution under the control of the controller 10. In addition, the display unit 60 displays an image signal output from the camera unit 50 in a camera shooting mode, and displays user data output from the control unit 10. In this case, the user data may be an icon indicating a remaining battery capacity, a reception sensitivity, or the presence of a wake-up call in the portable terminal. In addition, the display unit 60 displays the screen data according to the service mode in the financial transaction in the financial transaction service mode in the embodiment of the present invention. In this case, the display unit 80 may use an LCD. In this case, the display unit 60 may include an LCD controller, a memory capable of storing image data, and an LCD display device. Herein, when the LCD is implemented in a touch screen manner, the keypad 27 and the LCD may be input units.

Here, the camera unit 50 is an essential component in a portable terminal having a camera function. Therefore, it should be recognized that the portable terminal having the financial transaction service function of the present invention is just an additional function, and thus is not an essential component.

Looking at the operation of the portable terminal with reference to FIG. 1, when the user performs a dialing operation through the keypad 27 and sets the calling mode, the control unit 10 detects this and dial information received through the data processor 23. After processing the RF signal through the RF unit 21 to output. Thereafter, when the other subscriber generates the response signal, the counter subscriber detects it through the RF unit 21 and the data processor 23. Thereafter, a user establishes a voice call path through the audio processor 25 to perform a communication function. In addition, in the incoming mode, the controller 10 detects the incoming mode through the data processor 23 and generates a ring signal through the audio processor 25. Thereafter, when the user responds, the controller 10 detects this, and a voice call path is formed through the audio processor 25 to perform a communication function. In the outgoing and incoming modes, voice communication is described as an example, but a data communication function for communicating packet data and image data in addition to the voice communication may be performed. In addition, when performing a standby mode or text communication, the controller 10 displays text data processed by the data processor 23 on the display 60. In addition, the portable terminal may perform an operation of capturing a person or the surrounding environment through the camera unit 50 and displaying or transmitting the image on a video screen.

Looking at the operation of the financial transaction service of the portable terminal equipped with a plurality of IC cards as described above, the controller 10 controls the audio processing unit 25 when executing the financial transaction service mode, or a notification message indicating that the financial transaction service mode is executed, or The corresponding bell / melody is output to the speaker SPK.

Thereafter, the controller 10 executes a program according to the financial transaction service mode and mounts the first IC card slot 31, the second IC card slot 33, and the third IC card slot 35 selected by the keypad 27 or a switch (not shown). One of the plurality of IC cards is recognized. The control unit 10 displays the financial transaction service of the corresponding IC card on the display unit 60 according to whether the recognized user information of the IC card and the user information input through the keypad 27 are matched.

As described above, there may be two methods for a user to select an IC card of a financial company to be serviced from among the IC cards installed in the first IC card slot 31 and the second IC card slot 33.

First, there is a method of selecting an IC card by operating keypad 27. That is, the display unit 60 lists and displays the financial names of the mounted IC cards. Then, the user selects a financial company to be serviced by inputting a menu key, direction key, confirmation key, etc. of the keypad 27.

Second, there is a method of selecting an IC card by operating a switch. At this time, the switch is located on one side of the portable terminal so that the user can easily operate. Then, the user operates the switch to select a financial company to be serviced. Referring to the accompanying drawings, which IC card is recognized according to the switching state of the switch will be described below.

In the present invention, one of the plurality of IC cards is selected in accordance with the above-described switch operation, and the selected IC card is recognized to explain in detail the service of the corresponding financial transaction service of the IC card.

2 is a view for explaining a device configuration for recognizing a plurality of mounted IC card according to an embodiment of the present invention. Here, FIG. 2 will be described assuming three IC cards mounted on the portable terminal as an example.

Referring to FIG. 2, reference numerals 31a to 35c denote first to third IC cards, and indicate a plurality of IC cards mounted in a portable terminal. Reference numeral SW denotes a switch, and the first to third IC cards 31a. Represents a switch for selectively supplying the power supply Vcc to one IC card among ˜35c, and reference numeral 40 denotes a power supply unit, which applies the power supply Vcc to the IC card side selected by the switch SW among the plurality of IC cards. Here, the power supply unit 40 is a battery of the main power supply source of the portable terminal.

3 is a flowchart illustrating a financial transaction service method using a portable terminal according to an embodiment of the present invention.

Referring to FIG. 3, first, in step 311, a plurality of IC cards 31a to 35c are inserted into a plurality of IC card slots 31 to 35 in the portable terminal.

Thereafter, in step 313, the controller 10 checks whether the financial transaction service mode is executed, and when the financial transaction service mode is executed, the controller 10 proceeds to step 315 in the IC card slots 31 to 35 according to the switching state of the switch SW operated by the user. One of the installed IC cards 31a to 35c is detected. The process of detecting the switching state of the switch SW is as shown in FIG.

That is, in step 411, the control unit 10 detects the IC card supplied with the power supply Vcc. In step 413, the control unit 10 supplies the power supply Vcc by the power supply unit 40 of the plurality of IC cards according to the state of the switch SW. Only one of them is recognized. Here, it can be seen that the switch SW selectively supplies the power supply Vcc of the power supply unit 40 to the IC card.

Then, in step 317, the controller 10 recognizes one IC card of the plurality of IC cards according to the detected switching state of the switch SW, and performs a financial transaction service through the recognized IC card. At this time, the initial process of the financial transaction service through the PIN information stored in the IC card and the information related to the user's financial account and the technology for servicing the financial transaction service are already known technologies, and thus the description thereof will be omitted.

Thereafter, in step 319, the controller 10 determines whether the financial transaction service mode is terminated and ends the financial transaction service mode.

On the other hand, if the financial transaction service mode has not ended, the control unit 10 returns to step 315 and repeats the above process until the financial transaction service mode ends.

Therefore, the financial transaction service method using the portable terminal of the present invention selectively supplies power among a plurality of IC cards to service financial transactions through the corresponding IC card.

Meanwhile, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention.

Therefore, the scope of the present invention should not be limited to the embodiments described with the number of IC cards and the number of IC card slots for attaching and detaching the IC card, and the scope of the claims as well as the scope of the following claims. It should be decided by equals.

As described in detail above, the present invention provides a financial company by selectively executing the plurality of IC cards through a portable terminal having a plurality of IC card slots so as to mount a plurality of IC cards serving financial transactions of different financial companies. There is an advantage to use the financial transaction services through.

In addition, by using the financial transaction service without having to replace the IC card of the financial company every time the financial transaction service is used, there is an effect of increasing the convenience of the user, which eliminates the inconvenience of replacing the IC card.

In addition, there is no need to replace the IC card of the financial company whenever the financial company wants to use the financial transaction service, thereby eliminating the replacement time that had to be spent in the replacement and enabling the financial transaction service to be used quickly. have.

Claims (5)

Executing a financial transaction service mode; Selecting any one of a plurality of IC cards according to external inputs; The financial transaction service method using a portable terminal, characterized in that the process of starting the financial transaction services of the financial institution by recognizing the selected IC card. The method of claim 1, wherein the recognizing an IC card is performed. Financial transaction service method using a portable terminal, characterized in that for recognizing one of the plurality of IC cards in accordance with the switching of the switch to select one IC card of the plurality of IC (IC) cards. The method of claim 1, wherein the plurality of IC cards are selectively supplied with power and recognized according to the power supply. The method of claim 2, wherein the switch Financial transaction service method using a portable terminal, characterized in that provided on one side of the outside of the portable terminal. Receiving a plurality of IC cards of different financial companies; In a financial transaction service mode for executing a financial transaction service function, displaying a corresponding financial name of the input IC card in a list; The financial transaction service method using a portable terminal, characterized in that the process of starting the financial transaction service through the IC card according to the selected financial company of the displayed list.

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