KR20050010425A - A System and Method for Banking service using Mobile Phone - Google Patents

Abstract

PURPOSE: A mobile banking service system and method is provided to shorten communication time in the case of using a phone banking service through a mobile terminal by installing access and authentication information in the mobile terminal. CONSTITUTION: A mobile banking service system consists of a mobile terminal(100), a communication network(300), and a phone banking service server(400). The mobile terminal(100) is connected with the phone banking service server(400) through the communication network(300) so as to use a phone banking service. In the mobile terminal(100), a phone banking module(110) is installed as an application program to provide menus and to transmit and receive information. In addition, the mobile terminal(100) comprises an authentication key and information storage unit(200) storing the user's financial information, authentication, and personal information. The authentication key and information storage unit(200), interfaced with the phone banking module(110), is formed so that the user can use a phone banking service at a minimum of selection.

Description

A system and method for banking service using mobile phone}

The present invention relates to a financial transaction (hereinafter referred to as banking) service using a mobile terminal (MOBILE PHONE, PDA), and in particular, to allow the smart card that stores the personal information and authentication key information to be removable to the mobile terminal, The present invention relates to a mobile banking service system and method that enables mobile banking to be implemented by fast, simple and accurate identity verification by allowing programs to be implemented by one-touch keys.

An online phone banking service using a telephone network is a financial processing service provided to general users through a telephone network. A customer connects with an automated response system (ARS) of a bank's host computer through a public telecommunication network. In addition, a transaction with the bank is made by sending and receiving various data through the telephone line with the bank's host computer. With this, most financial services performed offline by financial institutions such as account inquiry and bank transfer can be used.

The phone banking service is a very convenient method compared to the offline method that the customer has to find a bank every time, the use frequency is rapidly growing.

However, in the conventional telebanking service, the user accesses the bank's host computer through a communication means such as a telephone, and the user receives the service by pressing the corresponding number according to the announcement service broadcast provided by the bank's host computer. After the user listens to the announcement and presses a button corresponding thereto, the user has to inconvenience pressing the corresponding button several times according to the announcement. In other words, in order to use the phone banking service, the user has to pass through a complicated multi-step number input process. For example, basically dial the phone banking service phone number of the financial institution, and then follow the steps instructed by the financial institution's automated answering system to enter the service number, enter the account number, and enter the password. If you go through a complicated and complicated number input process such as 'enter resident registration number', you can get the service you want. In addition, when the wrong number is input while using the phone banking service, it may be necessary to repeat from the initial input process, which requires very careful in the number input process.

As described above, the phone banking service can avoid the hassle of using a financial institution on the existing offline, but many customers use it.

In addition, financial institutions such as banks, etc. have different numbers corresponding to independent telephone numbers and guide services, so that those who use the financial institutions must remember the numbers of the financial institutions. Listened to the inconvenience that had to press the corresponding button.

Among the phone banking services as described above, the number of users using mobile banking using mobile (mobile phone) is increasing, which is a trend that users have recently increased due to the advantage of being available anytime and anywhere because the mobile phone is always carried.

However, as pointed out above as a problem of phone banking, it is necessary to press a number of steps and input them in order by listening to the voice of the answering machine. Therefore, in the case of a general landline phone, you can enter a record book or a bankbook with various numbers to remember around, but it is inconvenient to carry it when mobile banking, and the bank service phone number, your social security number, account number, account Passwords, phone banking passwords, authentication key numbers, etc. There are so many numbers to remember that it is not easy to remember. It is very difficult and inconvenient to input various numbers without missing time according to voice guidance while looking for various numbers by looking for notes or bankbooks or cards with a mobile phone. And, because the long time call connection must be made, the communication fee is increased, and the communication is often interrupted due to the problem of mobile communication, which is inconvenient to be restarted from the beginning. There was a very uncomfortable problem, such as having to press again from the beginning incorrectly.

The present invention has been made to solve the above problems, the object of the present invention is to install a mobile terminal (cellphone, PDA) that can be seen that the general people are always carrying the connection and authentication information for the banking service for quick and easy mobile It is to provide a mobile banking service system and a method for embedding an authentication key to receive a banking service.

The present invention is to embed the access information and authentication information for phone banking in the smart card to be detachable to the mobile terminal to further enhance the complementary.

The present invention is operated by the user offline to predetermined steps such as phone banking transaction phone number, transaction type selection, phone banking pin, transaction account, etc. and then connected to a bank host to transmit the selected information online and receive information from the host. This is to minimize call connection time.

The present invention is to enable a mobile banking service to perform offline banking services such as deposit inquiry / transfer services, loan inquiry / payment services, mobile phone transfer services, such as demand payment, trust / beneficiary certificates, savings, deferred type, etc. .

As such, the present invention can improve the user's convenience because the user can freely trade without having to press the bank account number or password by receiving the inquiry, deposit transfer and loan or by checking the credit card or check using the mobile terminal. The purpose is to make it.

1 is a conceptual diagram of a mobile phone banking service system according to the present invention.

Figure 2 is a detailed block diagram of the phone banking module, authentication key and information storage means of the mobile phone banking service system according to the present invention.

3 is a flow chart showing a mobile phone banking service method according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: mobile terminal 110: phone banking module

111: communication interface 120: control unit

130: storage means interface 200: authentication key and information storage means

210: interface unit 220: control unit

230: financial information storage unit 240: authentication key storage unit

250: personal information storage unit 300: communication network

400: phone banking service server of a financial institution 410: authentication key batch processing module

As a technical means for achieving the above object of the present invention,

In the phone banking service system configured to receive a phone banking service by connecting to a phone banking service server of a financial institution through a mobile terminal,

A phone banking module for providing a menu and displaying and transmitting / receiving information so that a phone banking service is installed as an application program in the mobile terminal;

Coded directly by a financial institution and provided to the user, and stores the user's financial information, authentication information and personal information, and is mounted in the mobile terminal and interfaced with the phone banking module so that the user can use the phone banking service with minimal selection. Authentication key and information storage means adapted to receive;

The phone banking service server of the financial institution receives a batch of information processed by the authentication key and the information storage means in addition to the phone banking service made by a general voice guide, and provides an authentication key batch processing module for guiding and providing a service. It is characterized by being configured to further include an application.

The authentication key and the information storage means can be configured as a removable chip or a smart card of a removable type in the mobile terminal,

In addition, an arbitrary storage area in the mobile terminal is separately allocated to the authentication key and the information storage means area, and is directly coded by a financial institution through a communication connection, so that the information and application programs can be coded in a download form. .

On the other hand, in a phone banking service system configured to receive a phone banking service by connecting to a phone banking service server of a financial institution through a mobile terminal, the bank stores customer financial information, authentication key information for phone banking authentication, and personal information. It is provided with an authentication key and information storage means for reading the information by the mobile banking service and transmitting the selected transaction service information as a package information to the host.

Selecting a phone banking service while displaying a phone banking menu by menu selection of a mobile terminal for phone banking; Selecting a transaction financial institution and a transaction type according to the phone banking menu; Performing pin verification when a user selects a transaction financial institution, selects a transaction type, and inputs a PIN; When the access of the information storage means is authenticated by a pin input, selecting or inputting account and financial information according to the type of phone banking service; Communicating with a service telephone number of a selected financial institution and transmitting the selected information and authentication key information as a package to a phone banking service server; Analyzing the information transmitted from the terminal to the package in a phone banking service server of a financial institution and providing a corresponding transaction if authentication is made; The phone banking service server transmits transaction history information to the user terminal, and the user terminal receives the mobile phone banking service by performing a process of displaying and displaying the feature.

Select the information stored in the authentication key and the information storage means in advance, and receive the batch information automatically when it is transmitted with the communication connection as batch processed information, and through the authentication key authentication process for the received information, the batch After analyzing the information, it performs a corresponding service function in order to notify the user terminal of the transaction details according to the additional information request and processing results.

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

1 is a conceptual diagram of a mobile phone banking service system according to the present invention.

As shown in the figure, in the phone banking service system, the mobile terminal 100 is connected to the phone banking service server 400 of the financial institution through the communication network 300 to receive a phone banking service, the mobile terminal 100 Installed as an application program within the phone banking service to install the phone banking module 110 for providing a menu and display and information transmission and reception.

In addition, the authentication key is stored in the mobile terminal 100 and stores the user's financial information, authentication information and personal information and interfaced with the phone banking module so that the user can receive a phone banking service with only minimal selection. The apparatus further includes an information storing means 200, and the authentication key and the information storing means 200 are directly coded by a financial institution and provided to the corresponding user.

In addition, the phone banking service server 400 of the financial institution receives the information collectively processed by the authentication key and the information storing means 200 in addition to the ARS phone banking service made by the general voice guidance to guide the service. The authentication key batch module 410 for providing a service is configured to further include as an application program.

2 is a detailed block diagram of a phone banking module, an authentication key, and information storage means of a mobile phone banking service system according to the present invention. As shown in the figure, the mobile terminal 100 is further provided with a phone banking module 110 is an application for interfacing and display the mobile phone banking service by the authentication key batch processing, the phone banking module 110, the communication A communication interface 111 for transmitting and receiving phone banking service information by interfacing with a module, an authentication key and information storing means interface unit 113 for interfacing with the authentication key and information storing means 200, and the interface An application program including a control unit 112 for transmitting / receiving information through the units 111 and 113 and controlling a display of a mobile terminal to provide a phone banking menu and to control a phone banking service based on selection and input information by a key input. It is installed as.

The authentication key and the storage means 200 is interfaced with the phone banking module 110 of the mobile terminal 100, the interface unit 210 for transmitting and receiving information, the phone banking phone number of the corresponding customer's bank bank of each transaction bank A financial information storage unit 230 for storing account information and financial service information, an authentication information storage unit 240 for storing authentication key information and personal authentication information of a phone banking server of each financial institution, and an individual's social security number Personal information storage unit 250 for storing personal information for authentication confirmation, including; and access the information of each of the storage unit 230, 240, 250 by a phone banking application and the interface unit ( Including a control unit 220 for uploading the authentication information, financial information, personal information, etc. for the phone banking requested through the 210, and download and store the information of the newly revised and updated content; Castle is, made to perform such input and delete the information you need. The controller 220 selects a transaction bank, a transaction type, a transaction account, and the like in turn during the execution of the phone banking service, and after all the information for the service transaction is selected in the offline state, the controller 220 communicates with the phone banking service server of the financial institution to perform a transaction. The selected information is transmitted as package information, and transaction information is received and displayed.

In addition, the authentication key batch processing module 410 installed as an application program in the phone banking service server 400 of the financial institution is configured to store information stored in the authentication key and information storage means in a phone banking service using a normal ARS. Receives batch information automatically when it is sent together with the communication connection as pre-selected batch information, and analyzes the batch information and performs the corresponding functions in order to notify additional information request and processing and processing result. Is made to perform.

Referring to the operation of the mobile phone banking service system according to the present invention configured as described above are as follows.

3 is a flow chart showing a mobile phone banking service method according to the present invention.

The phone banking module 110 is installed as an application program on the mobile terminal 100, and the authentication key batch processing module 410 is installed as an application program on the phone banking service server 400 of the financial institution.

In order to receive a mobile phone banking service using the mobile phone banking system configured as described above, a process (S10) of first receiving an authentication key and information storage means 200 from a corresponding financial institution is required. As a method of receiving a code, a smart card is issued and mounted on a mobile terminal, and when the mobile phone is provided with a storage means, the corresponding content is coded by mobile telephone communication by a specific coding operation. In this example, the smart card is issued and mounted on the mobile terminal 100 as an example.

The information stored in the storage means 200, ARS phone number of the mobile banking service server for each bank, ID / PW required for authentication, authentication key, transaction account information, the name of the professional payee, account number, bank It stores the name and the like so that it can be read by the mobile banking service and automatically sent to the host as package information.

Mobile phone banking may be used in a state in which the authentication key and the information storing means 200 in which the information for the mobile phone banking are stored are mounted on the mobile terminal 100. In order to perform phone banking, a process of calling a phone banking menu by selecting a menu of the mobile terminal 100 is performed (S20). This is supported by the phone banking module 110 installed as an application program in the mobile terminal 100, and provides a variety of information for phone banking from the above-mentioned storage means 200 to display and select.

Subsequently, a process (S30) of selecting a transaction financial institution and a transaction type according to the phone banking menu is performed. In this case, the information selected by the user is temporarily stored while being displayed to the user in turn.

When the user selects a transaction financial institution and selects a transaction type (eg deposit inquiry / transfer), a PIN input process S40 for confirming the user of the storage means is performed. The PIN input is a password that allows access to the storage means for user identification.

When the access of the information storage means 200 is authenticated by the pin input, an account and financial information selection process (S50) according to the type of phone banking service is performed. In the case of deposit inquiry / transfer, the kind of bank account stored in advance and the account for the deposit account and the transfer transaction are selected. If the account to be transferred is not stored in advance, the transaction account to be transferred through the account input process Enter the number through the key input of the mobile phone terminal.

If you enter your bank, transaction type, transaction account (withdrawal / transfer account) and amount information as described above, it will display and confirm your choices up to now. In step S60, a communication connection with a phone number is performed to transmit the selected information and the authentication key information to the phone banking service server as a package. That is, each of the above processes (S20-S50) are all selected through the mobile terminal 100 in the offline state, and is finally connected to the phone banking service server 400 of the financial institution in the information transmission process (S60). By connecting to the phone banking service number of the financial institution under the control of the authentication key batch processing module 410 of the phone banking service server 400 to transmit the corresponding information to the server.

The phone banking service server analyzes the information transmitted to the package and performs the process of servicing the transaction (S70). The phone banking service server 400 receives the information transmitted from the terminal 100 and performs an authentication procedure on a portion that requires authentication first. The authentication performs authentication on the authentication key transmitted from the user terminal 100, and when the authentication is made, the received information is analyzed and the transaction type, the transaction account amount information, and the like are performed to perform the service.

Thereafter, the phone banking service server sends the transaction history information to the user terminal, and the user terminal receives and displays the transaction information (S80). In this case, the user terminal 100 stores and ends transaction history information if necessary.

As described above, the present invention installs the phone banking module 110 as an application program on the mobile terminal 100, and installs the authentication key batch processing module 410 as an application program on the phone banking service server 400 of the financial institution. In addition, each bank provides a mobile card banking service to the customer by applying the smart card financial information, personal information and authentication key information of the customer.

Although not described in detail in the above-described embodiments, the storage means 200 in the form of a smart card may be used, and the present invention is not limited thereto, and a chip package or other external storage means may be used. There may also be a method of using the authentication key and the information storage means 200.

Although the method of connecting the external storage means to the terminal is not described in detail in the present invention, when the terminal is manufactured, the smart card mounting port may be provided in advance, or the smart card may be provided in the external data port provided as in a normal terminal. It can also be implemented by attaching it only when necessary and removing it after use.

In addition, the application program of the phone banking module 110 may be implemented to be automatically installed or upgraded when stored in the authentication key and information storage means 200 and mounted on the mobile terminal 100.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention described in the claims below. It will be appreciated.

The above description is only a description of one embodiment of the present invention, the present invention is capable of various changes and modifications within the scope of the configuration.

As described in detail above, the present invention, first, has the effect of reducing the communication time to a minimum when using a phone banking service using a mobile terminal. Second, in the process of using the phone banking service, it is possible to reduce the inconvenience of having to restart from the beginning due to a mistake in operation because the user operates while watching the display in the offline state without using the button operation according to the ARS voice guidance. That is, the use is quick and easy to use. Third, because their financial transaction information and authentication information and personal information can be stored and used by calling them, there is an advantage of not having to remember a large number of information or carry a passbook or security card. Fifth, it is effective to control the authentication key and access as a pin input for using the authentication key and information storage means, and to secure the complementarity by utilizing the password input required during the use of the service.

Claims (8)

In the phone banking service system configured to receive a phone banking service by connecting to a phone banking service server of a financial institution through a mobile terminal, A phone banking module for providing a menu and displaying and transmitting / receiving information so that a phone banking service is installed as an application program in the mobile terminal; Coded directly by a financial institution and provided to the user, and stores the user's financial information, authentication information and personal information, and is mounted in the mobile terminal and interfaced with the phone banking module so that the user can use the phone banking service with minimal selection. Authentication key and information storage means adapted to receive; The phone banking service server of the financial institution receives a batch of information processed by the authentication key and the information storage means in addition to the phone banking service made by a general voice guide, and provides an authentication key batch processing module for guiding and providing a service. Mobile phone banking service system, characterized in that further comprises as an application. The method of claim 1, wherein the authentication key and information storage means, Mobile phone banking service system, characterized in that any one of the removable chip or smart card of the removable form on the mobile terminal. The method of claim 1, wherein the authentication key and information storage means, Mobile phone banking service system, characterized in that it is configured to separately assign any storage area of the storage means in the mobile terminal to the authentication key and the information storage means area, and to code the information and application in the form of a download. The method of claim 1, wherein the authentication key and the storage means, An interface unit for transmitting and receiving information by interfacing with a phone banking module of the mobile terminal; A phone banking phone number of the customer's bank; a banking information storage unit for storing account information and financial service information of each bank; An authentication information storage unit for storing authentication key information and personal authentication information of the phone banking server of each financial institution; A personal information storage unit for storing personal information for authentication verification including an individual's social security number, The controller accesses the information of each storage unit by a pin input, uploads authentication information, financial information, and personal information for phone banking requested through the interface unit, and downloads and stores information of newly modified and updated contents. Mobile phone banking service system, characterized in that configured to include. The phone banking module of claim 1, wherein Communication interface unit for interfacing with the communication module for transmitting and receiving the phone banking service information, An authentication key and information storage means interface unit for interfacing with the authentication key and information storage means; The mobile phone banking service system comprises a control unit for providing information transmission and reception connection through each interface unit and controlling the display of the mobile terminal to provide a phone banking menu and to control the phone banking service based on selection and input by key input. . The phone banking module of claim 1, wherein While executing the phone banking service menu, users can select information such as trading bank, transaction type, trading account, etc., and all information for service transaction is selected in the offline state, and then the information selected for the transaction by communicating with the phone banking service server of the financial institution Mobile phone banking service system, characterized in that configured to receive and display transaction history information. In the phone banking service method that can be connected to the phone banking service server of the financial institution through a mobile terminal to receive the phone banking service, Installing in advance the financial information of the customer, authentication key information for phone banking authentication, authentication key and personal information storing means recorded on the mobile terminal; Installing an application program module on a mobile terminal to receive a phone banking service by accessing the authentication key and information storage means; Selecting a phone banking service while displaying a phone banking menu by a menu selection of a mobile terminal in an offline state, and accessing the authentication key and information storage means by a pin input; Selecting a transaction type and information for the transaction using the authentication key and the information stored in the information storage means, and connecting the information online to the phone banking service center of the corresponding financial institution; Receiving, displaying and terminating a transaction if a transaction is confirmed by a phone banking service process of the phone banking service center; Mobile phone banking service method, characterized in that to perform. The method of claim 7, wherein the phone banking service process of the phone banking service server of the financial institution; When the information stored in the authentication key and the information storage means is selected in advance and transmitted together with the communication connection as a batch processed information, the batch information is analyzed through the authentication process for the received information and then the corresponding service function is performed. The mobile phone banking service method comprising notifying the user terminal of the transaction details according to the additional information request and processing result.