KR20090000785A - System and method for financial transaction between mobile devices by using affiliated wire and wireless operator and program recording medium - Google Patents

Abstract

A system for a financial transaction between mobile apparatuses based on wireless terminal information and financial account information is provided to facilitate a financial transaction between wireless mobile apparatuses capable of being connected to a ledger of a financial institution, in which a customer owns an account, in real time by using an affiliated communication company. A system for a financial transaction between mobile apparatuses based on wireless terminal information and financial account information comprises the following units. A message receiving unit(605) receives information about a receiver wireless terminal(699) and the amount of a transaction from a predetermined transmitter wireless terminal(697) using a predetermined identifier included in message information. An information confirming unit(615) confirms transmitter account information related to transmitter wireless terminal information and receiver account information related to receiver wireless terminal information.

Description

System and Method for Financial Transaction Between Mobile Devices by Using Affiliated Wire and Wireless Operator and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for financial transactions between wireless terminals according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for financial transactions between wireless terminals according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to one embodiment of the present invention.

5A and 5B illustrate a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a configuration of a financial transaction system between wireless message-based wireless terminals according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a financial transaction request process between wireless message-based wireless terminals according to one embodiment of the present invention.

8 is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless message-based wireless terminals according to an embodiment of the present invention.

9 is a diagram illustrating a financial transaction request full text processing process between wireless message-based wireless terminals according to one embodiment of the present invention.

10 is a diagram illustrating a financial transaction processing process between wireless message-based wireless terminals according to one embodiment of the present invention.

11 is a diagram illustrating a configuration of a financial transaction system between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a financial transaction request process between wireless message-based wireless terminals according to another embodiment of the present invention.

13 is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless message-based wireless terminals according to another embodiment of the present invention.

14 is a diagram illustrating a financial transaction request full text processing process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a financial transaction processing process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: communication company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: financial company server 135: storage media

140: information registration terminal

The present invention relates to a method of storing information in a predetermined storage medium by linking predetermined wireless terminal information and financial account information in a predetermined information storage means, and in a predetermined information receiving means in a financial transaction between wireless terminals using the wireless terminal information. Receiving a predetermined recipient wireless terminal information and transaction amount information from a wireless sender wireless terminal via the wireless Internet, and in the predetermined information checking means in association with the storage medium (or storage medium operating means) Confirming the remitter financial account information associated with the remittee financial account information associated with the payee wireless terminal information; and transmitting the remitter financial account information, the remittee financial account information, and the transaction amount information in a predetermined information transmitting means. Transmitting the account to the opened financial institution server; Receiving a financial transaction preliminary message including the remitter financial account information, the remittee financial account information, and the transaction amount information from a corporate server; and linking with a wireless terminal corresponding to the receiver wireless terminal information in a predetermined financial transaction checking means. And confirming the recipient agreement for the financial transaction, and when confirming the recipient agreement, transmitting a preliminary full text of the financial transaction to a financial transaction request message from a predetermined transmission means to the financial institution server. The present invention relates to a financial transaction method between wireless terminals through an alliance.

With the development of information and communication technology and infrastructure, wireless terminals have become a necessity for modern people, and financial transactions, an essential element of modern life, have also been introduced using wireless terminals.

However, financial transactions using the wireless terminal (e.g., wireless application protocol (WAP) based wireless banking, or integrated circuit (IC) chip based wireless banking, etc.) are inconvenient to use due to complicated information input and security processing. It is included, and the user needs to solve it frequently occurs.

On the other hand, prior to the wireless banking, the mobile communication company has provided a financial transaction service between the wireless terminals independently, the financial transaction service between the wireless terminals is not linked to a financial company, the mobile communication company to each financial institution in the communication company After opening a financial account, a financial transaction between the wireless terminals was used as a relay account for the telecommunication company financial account, and an indirect processing of the financial transactions between the wireless terminals was carried out using the amount deposited in the relay account.

The independent wireless terminal financial transaction service of the mobile communication company includes a problem that a financial accident occurs frequently due to the limitation of the transaction amount due to the nature of the relay account and the financial transaction is not linked to the ledger in real time.

An object of the present invention for solving the above problems is, when the financial transaction between the wireless terminal using the wireless terminal information, the predetermined recipient's wireless terminal information and transaction amount information from the predetermined sender's wireless terminal is included in the message information of the wireless message Message receiving means for distinguishing and receiving through a predetermined identifier, and confirming the remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information from the message information, and stores the predetermined wireless terminal information and financial account information in association Information verification means for confirming a remitter financial account information associated with the sender wireless terminal information and a payee financial account information associated with the payee wireless terminal information in association with a storage medium (or a storage medium operating means); and the remitter financial account information The recipient's financial account information and transaction amount information Information transmission means for transmitting to the established financial company server, specialized receiving means for receiving a financial transaction preliminary message including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the financial company server, and the recipient wireless terminal information. A financial transaction confirmation means for confirming a recipient agreement for the financial transaction in connection with a wireless terminal corresponding to a; and a message for transmitting the preliminary full text of the financial transaction to a financial transaction request message to the financial company server upon confirmation of the recipient agreement. The present invention provides a financial transaction system between wireless terminals through a carrier alliance provided with a transmission means.

In accordance with an aspect of the present invention, there is provided a method of financial transaction between wireless terminals through an alliance of carriers, in which predetermined information storage means associates predetermined wireless terminal information with financial account information and stores them in a predetermined storage medium, and uses the wireless terminal information. Receiving, by a predetermined message receiving means, a predetermined recipient wireless terminal information and a transaction amount information from a predetermined remitter wireless terminal through a predetermined identifier included in the message information of the wireless message during a financial transaction between wireless terminals; The remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information are identified from the message information in a predetermined information checking means, and the remitter associated with the remitter wireless terminal information in association with the storage medium (or storage medium operating means). Confirm the recipient's financial account information associated with the financial account information and the recipient's wireless terminal information; Transmitting the remitter financial account information, the remittee financial account information, and the transaction amount information to a financial company server on which the remitter financial account is opened; Receiving a preliminary full financial transaction information including the remitter financial account information, the remittee financial account information, and the transaction amount information from the bank; and in connection with the wireless terminal corresponding to the receiver wireless terminal information in a predetermined financial transaction checking means; And confirming the recipient agreement for the transaction, and transmitting the preliminary full text of the financial transaction to the financial transaction request message from the predetermined text transmission means to the financial company server. do.

On the other hand, the financial transaction method between the wireless terminal through the carrier cooperation in accordance with the present invention, the predetermined information storage means in connection with the predetermined wireless terminal information and the financial account information stored in a predetermined storage medium, the wireless terminal information Receiving a predetermined recipient wireless terminal information and transaction amount information from the wireless terminal of the predetermined remitter via the wireless Internet in a financial transaction between the wireless terminals using a predetermined information receiving means, and the storage medium in the predetermined information checking means Confirming the remitter financial account information associated with the remitter wireless terminal information and the remittee financial account information associated with the payee wireless terminal information in association with the storage medium operating means; Account information, beneficiary financial account information and transaction amount information of the remitter financial account opened Transmitting to the server, receiving a preliminary financial transaction message including the remitter's financial account information, the remittee's financial account information, and the transaction amount information from the financial institution server in a predetermined specialized receiving means; Confirming the recipient agreement for the financial transaction in association with the wireless terminal corresponding to the recipient wireless terminal information; and when prescribing the recipient agreement, the preliminary full text of the financial transaction from a predetermined specialized transmission means to the financial transaction request message. And transmitting to the financial institution server.

According to the present invention, the step of transmitting the remitter financial account information, the remittee financial account information, and the transaction amount information to the financial company server in which the remitter financial account is opened in the information transmitting means may be performed on the remitter wireless terminal information. Authenticating the validity of the financial transaction in association with a corresponding wireless terminal; and generating a preliminary full text of the financial transaction including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial company server. Characterized in that made.

According to the present invention, the step of transmitting the preliminary financial transaction preamble to the financial institution server by the preamble transfer means to the financial institution server, whether the preliminary financial transaction preamble and the financial transaction request telegram match on the financial company server. Characterized in that it further comprises the step of confirming.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the financial transaction method between the wireless terminal through the carrier association described above.

On the other hand, the financial transaction system between the wireless terminal through the carrier alliance according to the present invention, when the financial transaction between the wireless terminal using the wireless terminal information, the wireless receiver information and the transaction amount information of the predetermined recipient wireless terminal information from the wireless terminal of the predetermined remitter Message receiving means for distinguishing and receiving through a predetermined identifier included in the message information of the user, and confirming the remitter wireless terminal information, the receiver wireless terminal information and the transaction amount information from the message information, and the predetermined wireless terminal information and the financial account. Information verification means for confirming the remitter financial account information associated with the remitter wireless terminal information and the remittee financial account information associated with the recipient wireless terminal information in association with a storage medium (or a storage medium operating means) storing the information in association; The remitter's financial account information, the beneficiary financial account information and the transaction amount information; Information transmission means for transmitting to the financial institution server in which the remitter financial account is opened, and a specialized receiving means for receiving a financial transaction preliminary message including the remitter financial account information, the recipient financial account information, and the transaction amount information from the financial company server; A financial transaction confirming means for confirming a recipient's consent for the financial transaction in association with a wireless terminal corresponding to the recipient's wireless terminal information, and upon confirmation of the recipient's consent, transmit the preliminary full text of the financial transaction to the financial transaction request message; Characterized in that it comprises a specialized transmission means for transmitting to the server.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional component provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a face-to-face information registration system for financial transactions between wireless terminals according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through a predetermined information registration interface to the carrier information registration system to the customer information, wireless terminal information, financial account information and transaction authentication information for financial transactions between wireless terminals according to the present invention When providing financial transaction registration information between at least one wireless terminal including at least one, the information registration system links the customer information, wireless terminal information, financial account information and transaction authentication information included in the financial transaction registration information provided between the wireless terminals. As a system configuration for processing and storing in the carrier-side storage medium 135, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 1 for the financial transactions between wireless terminals Various implementation methods for the information registration system configuration may be inferred, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one or more means for storing the financial transaction registration information between the wireless terminals provided from the customer through the predetermined information registration interface on the information registration system shown in FIG. 1 in the carrier-side storage medium 135 and / or Components corresponding to the functional configuration are referred to as " communication server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for financial transactions between wireless terminals according to the present invention includes an information registration terminal including an employee terminal provided in at least one telecommunication company agency (or sales office). Characterized in that it comprises a 140, the information registration terminal 140 is connected to the communication channel and the communication server server 100 provided on the information registration system through a predetermined communication network.

According to an embodiment of the present invention, the customer visits the telecommunications agency (or branch) for a financial transaction between wireless terminals according to the present invention, and through a window (or window) provided in the telecommunications agency (or branch). Fill out a prescribed application (for example, a document with a form for filling in at least one item of information for financial transactions between wireless terminals) through the employee and send the completed application to the teller. Upon submission, the teller enters (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal transmits the entered (or selected) information onto the information registration system via the communication network. It is preferable to transmit to the provided communication company server 100.

Here, the employee terminal preferably comprises a manager terminal used by the teller staff provided in the communication agency agency (or sales office), the communication company server 100 connected to the employee terminal is provided on the predetermined financial system. It is preferable that the ledger server is included, and the communication network connecting the employee terminal and the communication company server 100 preferably includes a branch network connecting the communication channel between the employee terminal and the communication company server 100. .

In the information registration system as described above, the application that the customer creates, the employee terminal used by the teller and the communication network connecting the employee terminal and the communication server server 100 is the customer between the wireless terminal according to the invention It performs a function of an information registration interface for registering financial transaction registration information between wireless terminals for financial transactions.

The carrier-side storage medium 135 provided on the information registration system according to the present invention includes the customer information, the wireless terminal information, and the financial information included in the financial transaction registration information provided from the information registration terminal 140. It is characterized in that the account information and the transaction authentication information is processed in association with the carrier storage medium (135).

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to an embodiment of the present invention, the customer information is preferably matched with any one of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminal.

The wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal information, or the recipient wireless terminal information in the financial transaction process between the wireless terminals.

If the wireless terminal information is the receiver wireless terminal information, and the on-line store that processes the payment through the financial transaction between the receiver wireless terminal, the receiver wireless terminal information is the virtual wireless terminal information corresponding to the store. (For example, the store telephone number, the virtual telephone number assigned to the store, the store representative wireless terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information registered by the customer for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number and account holder information corresponding to the information and the financial institution opened the financial account is preferably formed.

According to the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

The telecommunication company server 100 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal 140 through a predetermined communication network, and includes at least one server (or Device) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 140 is an employee terminal connected to a predetermined communication network, the communication company server 100 is provided on a financial system connected to the employee terminal through a predetermined communication network. It may be a ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the communication company server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 140 through the communication network.

According to an exemplary embodiment of the present invention, when the information registration terminal 140 is an employee terminal connected to a predetermined communication network, the interface unit 105 is assigned to the employee terminal based on the protocol stack defined in the communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the employee terminal.

Referring to FIG. 1, the communication company server 100 connects a communication channel with the communication company server 100 through a predetermined information registration terminal 140 through the interface unit 105, and then the interface unit 105. In conjunction with the information registration terminal 140 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting financial transaction registration information between predetermined wireless terminals to provide the information registration terminal 140. Receives the financial transaction registration information between the wireless terminal to input (or select) the interface providing unit 110 and the interface unit 105 through the user interface in connection with the interface 105 The information receiving unit 115, the validity confirming unit 120 for confirming the validity of the received financial transaction registration information between the wireless terminal, and the financial transaction registration between the confirmed wireless terminal And an information storage unit 125 for linking and processing the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the information in the storage medium 135 of the communication company.

The interface providing unit 110 is a function provided in the information registration terminal 140 after a predetermined information registration terminal 140 connects the communication channel with the communication company server 100 through the interface unit 105. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction registration information between the wireless terminals to transmit to the telecommunication company server 100 through the telecommunication network, and / or to a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 140 through the communication network.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) financial transaction registration information between the wireless terminals to the information registration terminal 140 and transmitting the information to the telecommunication company server 100 through the communication network. When the predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 140 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 140 inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, the wireless terminal information, the financial account information, and the transaction authentication information based on the user interface. And transmits the input (or selected) financial transaction registration information between the wireless terminals to the communication company server 100 through the communication network.

According to an embodiment of the present invention, when the information registration terminal 140 is an employee terminal connected to a predetermined communication network, the interface providing unit 110 may provide a predetermined financial transaction related program provided in the employee terminal. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

The information receiving unit 115 inputs financial transaction registration information between wireless terminals including at least one of customer information, wireless terminal information, financial account information, and transaction authentication information through the user interface at the information registration terminal 140 ( Or select) to transmit through the communication network, interworking with the interface unit 105 to receive the financial transaction registration information between the wireless terminals, and confirming the validity of the financial transaction registration information between the wireless terminals. Provided to section 120.

The validity confirming unit 120 checks whether the financial transaction registration information between the wireless terminals received from the information registration terminal 140 satisfies the validity for the financial transaction between the wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 100. In connection with the financial company server 130 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 130 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 130. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 130 (or the customer from the financial company server 130) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

When the validity of the financial transaction registration information between the wireless terminals is confirmed, the information storage unit 125 links customer information, wireless terminal information, financial account information, and transaction authentication information included in the financial transaction registration information between the wireless terminals. Characterized in that the processing is stored in the carrier-side storage medium 135, the carrier-side storage medium 135 is provided in the carrier server 100, or on a network associated with the carrier server 100. It is possible to be all, and the present invention is not limited thereby.

2 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the telecommunication company server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on a financial system linked to an employee terminal through a predetermined communication network. After the employee terminal connects to the communication company server 100 and connects a communication channel for information registration according to the present invention, the customer information, the wireless terminal information, and the financial account to the communication company server 100 through the communication channel. When the financial transaction registration information including the information and transaction authentication information is transmitted, the customer information, the wireless terminal information and the financial account included in the received financial transaction registration information between the wireless terminal from the communication server 100 The present invention relates to an implementation method of linking information and transaction authentication information and storing it in the carrier side storage medium 135. Those skilled in the art will be able to infer various implementation methods for registering financial transaction registration information between the wireless terminals from the employee terminal to the telecommunication company server 100 by referring to and / or modifying the drawing 2. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the employee terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the communication company server 100 shown in FIG. 1 is referred to as a “server” for convenience, and the communication company server ( The customer information, the wireless terminal information, the financial account information, and the transaction authentication information transmitted to 100 are referred to as "financial transaction registration information between wireless terminals" for convenience.

Referring to FIG. 2, an employee terminal shown in FIG. 1 connects to a server through a predetermined communication network, connects a predetermined communication channel for registering financial transaction registration information between the wireless terminals, and connects to the wireless terminal. When requesting registration of the financial transaction registration information between the wireless terminals for a transaction (200), the server generates (or extracts) a predetermined information registration interface for registering the financial transaction registration information between the wireless terminals (205). In operation 210, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information in the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) financial transaction registration information between wireless terminals including at least one or more customer information, wireless terminal information, financial account information, and transaction authentication information through the information registration interface (215).

If the terminal receives (or selects) financial transaction registration information between the wireless terminals including the customer information, the wireless terminal information, the financial account information, and the transaction authentication information (220), the terminal receives the information registration interface. Through the communication network, the financial transaction registration information between the wireless terminals including the input (or selected) customer information, wireless terminal information, financial account information, and transaction authentication information is transmitted to the server (225).

Thereafter, the server receives and reads the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the communication network to check the validity of the financial transaction registration information between the wireless terminals (230).

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 100. In connection with the financial company server 130 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 130 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 130. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 130 (or the customer from the financial company server 130) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), the financial transaction registration information between the wireless terminals Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial transaction registration information between the wireless terminal is authenticated (235), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminal, the customer information, wireless terminal information and financial account Information and transaction authentication information are processed in association with each other and stored in the carrier side storage medium 135 (245).

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the financial transaction registration information between the wireless terminals transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face information registration system for financial transactions between wireless terminals according to another embodiment of the present invention.

In more detail, Figure 3 is a predetermined customer through a predetermined information registration interface to the carrier side information registration system for customer information, wireless terminal information, financial account information and transaction authentication information for financial transactions between wireless terminals according to the present invention. When providing financial transaction registration information between at least one wireless terminal including at least one, the information registration system links the customer information, wireless terminal information, financial account information and transaction authentication information included in the financial transaction registration information provided between the wireless terminals. A system configuration for processing and storing in a carrier-side storage medium 335, and those skilled in the art to which the present invention pertains, refer to and / or modify this figure 3 for financial transactions between wireless terminals. Various implementation methods for the configuration of an information registration system may be inferred, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one or more means and / or for storing the financial transaction registration information between the wireless terminal provided from the customer via the predetermined information registration interface shown in FIG. 3 in the carrier-side storage medium 335 Components corresponding to the functional configuration are referred to as " communication server 300 " for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for financial transactions between wireless terminals according to the present invention includes a client terminal including at least one wired terminal and / or wireless terminal used by a customer. Characterized in that it comprises at least one information registration terminal 340, the information registration terminal 340 is a communication channel with a communication company server 300 provided on the information registration system through a predetermined network means This is connected.

According to an exemplary embodiment of the present invention, the customer connects to the telecommunication company server 300 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Inputting (or selecting) inter-terminal financial transaction registration information for the inter-terminal financial transaction according to the present invention through at least one user interface provided by the communication company server 300, the predetermined network means in the client terminal It is preferable to transmit to the carrier server 300 provided on the information registration system through.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics ( Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

Further, the communication company server 300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the carrier server 300 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / Mobitex depending on the type of wireless network connected to the client terminal It is preferable that any one of the base wireless data communication networks and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the telecommunication company server 300, and inputs and / or selects at least one or more information through the user interface to transmit to the telecommunication company server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the communication company server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above information registration system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the communication company server 300 and / Alternatively, the wireless network performs a function of an information registration interface for the customer to register the financial transaction registration information between wireless terminals for the financial transaction between wireless terminals according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 340 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more organizations affiliated with the communication company may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 340 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the communication company server ( The financial network connecting 300 performs a function of an information registration interface for the customer to register financial transaction registration information between wireless terminals for the financial transaction between wireless terminals according to the present invention, and / or the information registration terminal ( If 340 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the telecommunication company server 300 are viewed by the customer. Performing a function of an information registration interface for registering financial transaction registration information between wireless terminals for financial transaction between wireless terminals according to the present invention, and / or the information registration terminal 340 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the communication company, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the The network connecting the communication company server 300 performs the function of the information registration interface for the customer to register the financial transaction registration information between wireless terminals for the financial transactions between wireless terminals according to the present invention.

The carrier-side storage medium 335 provided on the information registration system according to the present invention includes the customer information, the wireless terminal information, and the financial information included in the financial transaction registration information provided from the information registration terminal 340. It is characterized in that the account information and the transaction authentication information is processed in association and stored in the carrier-side storage medium (335).

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to an embodiment of the present invention, the customer information is preferably matched with any one of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminal.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal information, or the recipient wireless terminal information in the financial transaction process between the wireless terminals.

If the wireless terminal information is the receiver wireless terminal information, and the on-line store that processes the payment through the financial transaction between the receiver wireless terminal, the receiver wireless terminal information is the virtual wireless terminal information corresponding to the store. (For example, the store telephone number, the virtual telephone number assigned to the store, the store representative wireless terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information registered by the customer for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number and account holder information corresponding to the information and the financial institution opened the financial account is preferably formed.

According to an embodiment of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

The telecommunication company server 300 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal 340 through a predetermined network means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the telecommunication company server 300 is A predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device), and / or a program provided to the outside world on the financial system. Shall not.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the telecommunication company server 300 is the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 340 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the telecommunication company server 300 is the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. You are good.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the communication company server 300 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or a program on the server (or device), and / or a server (or on a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the communication company server 300 is characterized by comprising an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 340 through the network means. .

According to an embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the communication company server 300, the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a financial automatic device connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 305 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the communication company server 300, the interface unit 305 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 340 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 3, the communication company server 300 connects a communication channel with the communication company server 300 through a predetermined information registration terminal 340 through the interface unit 305, and then the interface unit 305. In conjunction with the information registration terminal 340 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting financial transaction registration information between predetermined wireless terminals and providing the information registration terminal 340. Receives the financial transaction registration information between the wireless terminal provided by the interface providing unit 310 and the interface unit 305 and input (or selected) through the user interface in connection with the interface unit 305 The information receiver 315 and the customer information included in the received financial transaction registration information between the wireless terminals, the wireless terminal information, the financial account information and the transaction authentication information Characterized in that it comprises an information storage unit 325 to be stored in the carrier-side storage medium 335.

The interface providing unit 310 has a function provided in the information registration terminal 340 after a predetermined information registration terminal 340 connects the communication channel with the communication company server 300 through the interface unit 305. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction registration information between the wireless terminals and transmitting to the communication company server 300 through the network means, and / or a predetermined database (shown in FIG. And extract the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal 340 through the network means.

Thereafter, the information registration terminal 340 inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information based on the user interface. And transmits the input (or selected) financial transaction registration information between the wireless terminals to the communication company server 300 through the financial network.

When the information registration terminal 340 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network according to an embodiment of the present invention, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, when the information registration terminal 340 is a financial automation device connected to a predetermined financial network, the interface providing unit 310 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program and / or a communication program, and to provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS-based user interface) through the interface unit 305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 310 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 305. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) financial transaction registration information between the wireless terminals to the information registration terminal 340 and transmitting the information to the telecommunication company server 300 through the network means. When a predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal 340 may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs financial transaction registration information between wireless terminals including at least one of customer information, wireless terminal information, financial account information, and transaction authentication information through the user interface at the information registration terminal 340 ( Or select) to transmit through the network means, and receives the financial transaction registration information between the wireless terminals in cooperation with the interface unit 305, and validates the received financial transaction registration information between the wireless terminals. Provided to the verification unit 320.

The validity check unit 320 is characterized in that whether the financial transaction registration information between the wireless terminal received from the information registration terminal 340 satisfies the validity for the financial transaction between wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 300. In connection with the financial company server 330 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330. It is preferable to include a match with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 330 (or the customer from the financial company server 330) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

When the validity of the financial transaction registration information between the wireless terminals is confirmed, the information storage unit 325 links customer information, wireless terminal information, financial account information, and transaction authentication information included in the financial transaction registration information between the wireless terminals. Characterized in that the processing is stored in the carrier-side storage medium 335, the carrier-side storage medium 335 is provided in the carrier server 300, or on the network associated with the carrier server 300. It is possible to be all, and the present invention is not limited thereby.

4 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case in which a communication server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the server 300 to connect the communication channel for information registration according to the present invention, the customer information, wireless terminal information, financial account information and transaction authentication information to the communication company server 300 through the communication channel When the financial transaction registration information is transmitted between the wireless terminals, the communication server server 300 links customer information, wireless terminal information, financial account information, and transaction authentication information included in the received financial transaction registration information between wireless terminals. The present invention relates to an implementation method of processing and storing the data in the carrier side storage medium 335. Those skilled in the art will be able to infer various implementation methods for registering financial transaction registration information between the wireless terminals from the client terminal to the telecommunication company server 300 by referring to and / or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the communication company server 300 illustrated in FIG. 3 is referred to as a “server” for convenience. The customer information, the wireless terminal information, the financial account information, and the transaction authentication information transmitted to 300 are referred to as "financial transaction registration information between wireless terminals" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the financial transaction registration information between the wireless terminals by connecting to the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and the wireless for financial transactions between the wireless terminals. When requesting registration of financial transaction registration information between terminals (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering financial transaction registration information between the wireless terminals (405), and The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (410).

According to an embodiment of the present invention, the information registration interface inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information in the terminal. It is preferable to include a user interface.

In addition, the web page transmission and / or output process is preferably performed at least once according to the financial transaction registration information registration procedure between the wireless terminals, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction registration information between wireless terminals including at least one or more customer information, wireless terminal information, financial account information, and transaction authentication information through the information registration interface (415).

If the terminal receives (or selects) financial transaction registration information between wireless terminals including the customer information, wireless terminal information, financial account information, and transaction authentication information (420), the terminal receives the information registration interface. The input (or selected) customer information, wireless terminal information, financial account information and transaction authentication information are transmitted to the server through a communication channel (425).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) customer information, wireless terminal information, financial account information, and transaction authentication information to the server through the communication channel is input through the information registration interface ( Alternatively, the method may further include transmitting the financial transaction registration information between the wireless terminals through an electronic signature and / or encryption through a security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the communication channel to check the validity of the financial transaction registration information between the wireless terminals (430).

According to an exemplary embodiment of the present invention, the validity of the financial transaction registration information between the wireless terminals may be determined when the electronic transaction and / or encryption are performed through the security module provided in the terminal. And decrypting the financial transaction registration information between the wireless terminals, and / or decoding the financial transaction registration information between the wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is performed on the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means at the communication company server 300. In connection with the corresponding financial company server 330 preferably comprises the step of checking whether the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 330 (or the customer from the financial company server 330) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), and between the wireless terminals Do not perform the information registration procedure corresponding to the financial transaction registration information.

On the other hand, if the validity of the financial transaction registration information between the wireless terminal is authenticated (435), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminal, the customer information, wireless terminal information and financial account The information and the transaction authentication information are processed in association with each other and stored in the carrier side storage medium 335 (445).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the financial transaction registration information transmitted from the terminal.

5A and 5B illustrate a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to another exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate that when the information registration system shown in FIG. 3 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal transmits the predetermined financial transaction registration information between the wireless terminals for the financial transaction between the wireless terminals to the Internet banking server. When the financial transaction registration information between the wireless terminal including the customer information, wireless terminal information, financial account information and transaction authentication information is transmitted, the communication server server 300 is included in the received financial transaction registration information between the wireless terminals. The carrier information storage medium (CRM) is processed by linking customer information, wireless terminal information, financial account information and transaction authentication information. 335), the person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawings 5a and 5b to the communication server server 300 from the client terminal Various implementation methods for registering the financial transaction registration information between the wireless terminals may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 5A and 5B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 5A and 5B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction registration information between the wireless terminal between the client terminal and the Internet banking server based on the present invention, those of ordinary skill in the art If so, referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 5A and 5B, the client terminal and the Internet are based on a predetermined internet banking program mounted on the client terminal. Between banking servers Although it is possible to infer a method of connecting an internet banking-based financial transaction channel for registering financial transaction registration information between wireless terminals, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 5a and 5b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registering financial transaction registration information between wireless terminals in another banking system such as a wireless banking system and / or a TV banking system, the present invention may be inferred. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in FIGS. 5A and 5B.

5A and 5B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the telecommunication company server 300 is referred to as " server "

5A and 5B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (500a), the server communicates between the terminal and the server through the browser. (505a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (510a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (515a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (520a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (525a), or if the terminal does not need to load and / or update the security module for internet banking (515a), the server may By activating the security module for internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by using an encryption algorithm), the terminal may verify the electronic signature and / or the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also from the terminal to the server for registration of financial transaction registration information between wireless terminals. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering financial transaction registration information between wireless terminals in the terminal. Attach and / or write down certain electronic signatures to information (or data) to be provided by When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (535a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 540a, the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for a non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (545a).

If the Internet banking customer authentication fails (550a), the server blocks the Internet banking security channel for the terminal (555a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (550a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (560a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering financial transaction registration information between wireless terminals for financial transactions between wireless terminals from the terminal to the server.

Subsequently, when the terminal requests registration of the financial transaction registration information between the internet banking-based wireless terminals through the inter-banking-based financial transaction channel for registering the financial transaction registration information between the wireless terminals (500b), the server Generate (or extract) a web page corresponding to a predetermined information registration interface for registering financial transaction registration information between wireless terminals (505b), and generate the web page generated (or extracted) through the internet banking-based financial transaction channel. The data is transmitted to the terminal and output (510b).

According to an embodiment of the present invention, the information registration interface inputs (or selects) financial transaction registration information between wireless terminals including at least one of customer information, wireless terminal information, financial account information, and transaction authentication information in the terminal. It is preferable to include an interface, and / or a predetermined password for verifying the validity of the Internet banking customer requesting registration of the financial transaction registration information between the wireless terminals and / or the financial transaction registration information between the wireless terminals. For example, an account password, etc.) and / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or an One Time Password (e.g., an internet banking application process (or the Internet). After banking request), generated by an OTP authenticator (or OTP authentication program) An interface for inputting the time password) may further include.

In addition, the web page transmission and / or output process is preferably performed at least once according to the financial transaction registration information registration procedure between the wireless terminals, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information through the information registration interface (515b).

If the terminal receives (or selects) financial transaction registration information between the wireless terminals including the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the information registration interface (520b), the terminal receives the The financial transaction registration information between the wireless terminals inputted (or selected) is transmitted to the server through the financial transaction channel (525b).

According to an exemplary embodiment of the present invention, transmitting the financial transaction registration information between the wireless terminals input (or selected) through the financial transaction channel to the server may include a wireless terminal input (or selected) through the information registration interface. It includes the electronic financial transaction registration information between the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the financial transaction registration information between the wireless terminals through the financial transaction channel and checks the validity of the financial transaction registration information between the wireless terminals (530b).

According to an exemplary embodiment of the present invention, the validity of the financial transaction registration information between the wireless terminals may be determined when the electronic transaction and / or encryption are performed through the security module provided in the terminal. And decrypting the financial transaction registration information between the wireless terminals, and / or decoding the financial transaction registration information between the wireless terminals.

In addition, the validity check of the financial transaction registration information between the wireless terminals, it is preferable to further comprise a password and / or security code and / or OTP included in the financial transaction registration information between the wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 300. In connection with the financial company server 330 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 330 (or the customer from the financial company server 330) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (535b), the server generates a web page including the predetermined financial transaction registration information registration error information between the wireless terminals and transmits it to the terminal (540b). ), The information registration procedure corresponding to the financial transaction registration information between the wireless terminals is not performed.

On the other hand, if the validity of the financial transaction registration information between the wireless terminals is authenticated (535b), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminals, it is included in the financial transaction registration information between the wireless terminals The customer information, the wireless terminal information, the financial account information, and the transaction authentication information are processed in association with each other and stored in the carrier side storage medium 335 (545b).

Thereafter, the server generates a web page including financial transaction registration information registration history information between wireless terminals and transmits the generated web page to the terminal (550b), thereby completing the registration of financial transaction registration information between wireless terminals. .

Hereinafter, when the telecommunication company is a code division multiple access (CDMA) / wide-CDMA (WCDMA) based mobile telecommunication company, financial transaction registration information between wireless terminals registered through the information registration system shown in FIG. 1 and / or FIG. Based on the following description, a preferred implementation method for financial transactions between a predetermined remitter wireless terminal and a receiver wireless terminal will be described.

However, the method of carrying out the financial transaction between the remitter wireless terminal and the receiver wireless terminal according to the present invention is not limited to the case of the mobile carrier shown below, the carrier for the financial transaction between the wireless terminals is HSDPA (High-Speed Downlink) Packet Access (Wireless Access) based wireless communication network, IEEE 802.16x based portable Internet, including all kinds of wireless carriers including at least one, it is apparent that the present invention includes all the inferred wireless carriers.

6 is a diagram illustrating a configuration of a financial transaction system between wireless message-based wireless terminals according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 shows information regarding a predetermined remitter wireless terminal 697 and a receiver wireless terminal 699, respectively, to the carrier storage medium 645 through the information registration system shown in FIG. 1 and / or FIG. After the financial transaction registration information between the wireless terminals is registered, the wireless terminal corresponding to the remitter wireless terminal 697 information to the communication company server 600 at least a predetermined recipient wireless terminal 699 information and the transaction amount, etc. When transmitting a predetermined financial transaction request message (eg, a short message service or a multimedia message service) including one or more, the communication company server 600 is associated with a predetermined financial company server 650. As a configuration of a system for processing the financial transactions between the wireless terminals, those skilled in the art to which the present invention pertains, refer to and / or modify this figure Various implementation methods for the configuration of the financial transaction system between the wireless message-based wireless terminals may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation method illustrated in FIG. This is not limited.

In the wireless message-based inter-terminal financial transaction system according to the embodiment shown in FIG. 6, the remitter wirelessly registers the financial transaction registration information between the wireless terminals through the information registration system shown in FIGS. 1 and / or 3. A wireless terminal including at least one terminal 697 and a recipient wireless terminal 699, connected to the wireless terminal through a predetermined wireless communication network, and a predetermined financing from the remitter wireless terminal 697 through the wireless communication network. After receiving the transaction request message, the communication company server 600 for requesting the financial transaction between the wireless terminal to a predetermined financial company server 650 based on the financial transaction request message, and the predetermined communication with the communication company server 600 Request from the telecommunications server 600 via a means (e.g., a dedicated telecommunication network, or an encryption-based secure telecommunication network, or a telecommunication network with a dedicated telecommunication protocol) It is characterized in that it comprises a financial company server 650 for processing a financial transaction between the wireless terminals.

The wireless terminal has a function of transmitting and receiving at least one or more wireless messages (eg, a Short Message Service or a Multimedia Message Service) through a predetermined wireless communication network, and the communication company server 600 and / or Output at least one interface screen provided by the financial institution server 650, and provide the interface screen by inputting at least one or more information for the financial transaction between the wireless terminal through the at least one user interface included in the interface screen A browser program (or a messenger program, a financial transaction program, etc.) transmitted to the communication company server 600 and / or the financial company server 650 may be provided.

Those skilled in the art to which the present invention pertains may include a wireless terminal including a mobile communication terminal having access to the CDMA / WCDMA-based wireless communication network and having a wireless message transmission / reception function, an interface screen output, and an information input function. In addition to the technical features of the CDMA / WCDMA-based wireless communication network in addition to the high-speed downlink packet access (HSDPA) -based wireless communication network, IEEE 802.16x-based wireless communication network for transmitting and receiving the wireless message, interface screen output and information input function Since you will be familiar with the technical features of the wireless terminal provided, a detailed description thereof will be omitted for convenience.

According to the present invention, financial transaction registration information between wireless terminals registered through the information registration system shown in FIGS. 1 and / or 3 is provided in the communication company server 600 or accessed from the communication company server 600. It is characterized in that it is provided on the network possible.

According to the exemplary embodiment of the present invention, the financial transaction registration information stored in the storage medium 645 may include at least one of predetermined customer information, wireless terminal information, financial account information, and transaction authentication information. Do.

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more member ID information) assigned to the customer by the communication company by subscribing to the communication company.

According to an embodiment of the present invention, the customer information is preferably matched with any one of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminal.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to the method of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal 697 information, or the recipient wireless terminal 699 information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is a payee wireless terminal 699 information, and the on-line store that processes the payment through the financial transaction between the payee wireless terminal, the payee wireless terminal 699 information is sent to the store. It is possible to include corresponding virtual radio terminal information (eg, the store telephone number, the virtual telephone number assigned to the store, the store representative wireless terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information registered by the customer for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number and account holder information corresponding to the information and the financial institution opened the financial account is preferably formed.

According to the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

According to the present invention, the telecommunication company server 600 is a predetermined message center (695) (for example, Short Message Center (SMC), or Multimedia Message Center (MMC)) provided on a wireless communication network And a message receiver 605 for receiving a predetermined financial transaction request message including at least one financial transaction request information according to a wireless message transmission protocol from a wireless terminal 697, which is a predetermined remittance, and the received financial transaction. A wireless terminal 697 that reads whether a request message corresponds to the financial transaction request message protocol, reads at least one or more financial transaction request information from the financial transaction request message, and corresponds to a sender information of the received financial transaction request message. ) A message reading unit 610 for reading information.

The remitter wireless terminal 697 includes at least one or more financial institution identifier and recipient wireless terminal 699 information, transaction amount information, transaction authentication information and various memos (or messages) according to a predetermined financial transaction request message protocol. When the financial transaction request message is inputted and transmitted, the financial transaction request message is received from the wireless terminal 697 to the predetermined message center 695 through the wireless communication network, and the message center 695 receives the financial transaction request message. Confirm the receiving side of the transaction request message, and relay (or forward) the financial transaction request message to the telecommunication company server 600 through a predetermined communication network, and the message receiving unit 605 from the message center 695. And receiving the financial transaction request message including at least one financial transaction request information.

Among the financial transaction request information included in the financial transaction request message, the financial institution identifier may include at least one of numbers, letters, symbols, and the like which can be input through a key input device provided in the wireless terminal. A unique number (or unique code) for identifying a financial institution in which a financial account linked with the remitter wireless terminal 697 information is provided among a plurality of financial institutions providing financial transactions between the wireless terminals in connection with the communication company server 600. , Or a unique string).

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 600, or the wireless terminal 697 information which is the remittance to the storage medium 645; When the financial institution providing the financial transaction between the wireless terminals can be identified through the linked and stored financial account information, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

Among the financial transaction request information included in the financial transaction request message, the recipient wireless terminal 699 information is provided by the telecommunication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. As information corresponding to an inter-financial transaction target, the wireless terminal information is preferably matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 645.

Of the financial transaction request information included in the financial transaction request message, the transaction amount information, the financial transaction amount between the wireless terminal provided in connection with the financial company server 650 corresponding to the financial institution identifier in the communication company server 600 The transaction amount information includes at least one or more of an amount withdrawn from a financial account associated with the sender's wireless terminal 697 information or an amount deposited into the financial account. It is preferable to make it.

Of the financial transaction request information included in the financial transaction request message, the transaction authentication information, the communication server server 600 provides a financial transaction between wireless terminals provided in association with the financial company server 650 corresponding to the financial institution identifier. The authentication information may include predetermined authentication information (eg, a password, etc.) to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information. desirable.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information is preferably made of the communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 645. It is preferable that the financial company includes financial transaction authentication information.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 645, the transaction authentication information may be omitted in the financial transaction request message, and thus the present invention is not limited thereto. No.

Among the financial transaction request information included in the financial transaction request message, the memo (or message) is financed between wireless terminals provided by the communication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. It is preferable to include at least one or more information that must be provided to the financial institution server 650 in order to process a transaction.

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request message is determined by the remitter. It is preferable to include the additional depositor information entered.

According to an embodiment of the present invention, it is preferable that at least one financial transaction request information corresponding to the financial transaction request message is included in accordance with a predetermined financial transaction request message protocol.

Here, the financial transaction request message protocol preferably includes at least one identifier for distinguishing each financial transaction request information order and each financial transaction request information.

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", it is preferable that the message information of the financial transaction request message includes an information structure such as "SHB * 01012349876 * 50000", Here, the "SHB" is a financial institution identifier, the shopping mall "01012349876" is the recipient wireless terminal 699 information, and the "50000" corresponds to a transaction amount.

When a financial transaction request message including at least one financial transaction request information is received from the wireless terminal 697, which is a predetermined remittance through the message receiving unit 605, the message reading unit 610 receives the received financial transaction request message. It is characterized in that whether the corresponding to the financial transaction request message protocol.

According to an embodiment of the present invention, the message reading unit 610 reads predetermined message information from the received financial transaction request message, and reads whether the message information is made according to the financial transaction request message protocol. Do.

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", the message reading unit 610 may include information such as "SHB * 01012349876 * 50000" in the message information included in the financial transaction request message. It is desirable to ensure that the configuration is included.

In addition, the message reading unit 610 preferably reads each of the financial transaction request information included in the message information according to the financial transaction request message protocol.

For example, the financial transaction request information includes a financial institution identifier consisting of an English letter and a beneficiary wireless terminal (699) information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. 699, the information and the transaction amount information, and if the identifier for distinguishing each financial transaction request information is "*", the message reading unit 610 finances the message information included in the financial transaction request message Check that the institution identifier is composed of English letters, check that the recipient's telephone number of the message information consists of a number beginning with "01x," and check that the transaction amount of the message information consists of numbers within the transaction limit. desirable.

When the received financial transaction request message corresponds to the financial transaction request message protocol, the message reader 610 may read at least one financial transaction request information from the financial transaction request message.

According to an embodiment of the present invention, the message reader 610 may read at least one or more financial transaction request information based on an identifier included in the message information according to a predetermined financial transaction request message protocol.

For example, the financial transaction request information includes a financial institution identifier consisting of an English letter and a beneficiary wireless terminal (699) information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. In the case where the identifier for distinguishing each financial transaction request information is "*", the message reading unit 610 reads the financial transaction request information before the initial identifier "*". Read as a financial institution identifier, read the financial transaction request information between the first identifier "*" and the next identifier "*" as the beneficiary radio terminal 699 information, and trade the financial transaction request information after the next identifier "*". It is preferable to read the amount information.

In addition, the message reading unit 610 is characterized in that the readout of the wireless terminal 697, which is a remittance corresponding to the sender information of the received financial transaction request message.

Referring to FIG. 6, the telecommunication company server 600 reads at least one financial transaction request information from the financial transaction request message received through the message receiving unit 605 and wirelessly transfers the remitter from the financial transaction request message. When the terminal 697 information is read out, the remitter financial account information associated with the read-out remitter wireless terminal 697 information from the storage medium 645 is checked, and the read financial transaction request is read from the storage medium 645. An information checking unit 615 for checking payee financial account information associated with payee wireless terminal 699 information included in the information, and the remitter financial account information, the payee financial account information, and the transaction amount information through a predetermined communication means; And an information transmission unit 620 for transmitting the predetermined financial transaction processing information including the predetermined financial institution server 650. The.

The information checking unit 615 is connected to the storage medium 645 registered through the information registration system shown in Figures 1 and / 3 and the information of the wireless terminal 697 that is the remittance read from the financial transaction request message Check the linked remitter financial account information, and check the recipient financial account information associated with the recipient wireless terminal (699) information included in the financial transaction request information read from the financial transaction request message in connection with the storage medium (645). Characterized in that.

According to the exemplary embodiment of the present invention, when predetermined transaction authentication information is read from the financial transaction request message, the information checking unit 615 is connected to the storage medium 645 to transmit the wireless terminal 697 information (or Checks predetermined transaction authentication information associated with the remitter financial account information), compares (or authenticates) the transaction authentication information checked from the storage medium 645 with the transaction authentication information read from the financial transaction request message, and performs wireless It is desirable to check the validity of the carrier side for financial transactions between terminals.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side financial transaction authentication information includes the information verification unit 615 compares (or authenticates) the read communication company side financial transaction authentication information and the carrier side financial transaction authentication information stored in the storage medium 645 It is desirable to.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 information. When the financial company financial transaction authentication information includes at least one or more passwords, financial transaction passwords, security card information, and the like, the information verification unit 615 reads the financial company financial transaction authentication information and the storage medium 645. It is preferable to compare (or authenticate) the financial company financial transaction authentication information stored in the).

When the remitter financial account information and the remittee financial account information is confirmed through the information checking unit 615, the information transmitter 620 receives the confirmed remitter financial account information and the remittee financial account information and the financial transaction request message. Generate predetermined financial transaction processing information including read transaction amount information, and transmit the generated financial transaction processing information to the financial company server 650 through a predetermined communication means, wherein the financial transaction The processing information is preferably made of the communication company server 600 and the financial company server 650 includes a communication protocol structure.

According to an embodiment of the present invention, when the financial company server 650 authenticates the financial transaction validity between the wireless terminals, the financial transaction processing information may be linked to the remitter wireless terminal 697 at the financial company server 650. Preferably, the remitter is configured to further include information on the wireless terminal 697 for remitting the financial transaction validity between the wireless terminals.

According to another embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, and financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 650. ), The financial transaction processing information further includes the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 650.

According to another exemplary embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the communication company server 600. ), The financial transaction processing information may omit the remitter wireless terminal 697 information, or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Referring to FIG. 6, the financial company server 650 receives financial transaction processing information including the remitter financial account information, the recipient financial account information, and the transaction amount information from the communication company server 600 through the communication means. And an information receiving unit 655 and a validity confirming unit 660 for confirming validity of the financial transaction processing information. The financial transaction processing information further includes wireless terminal 697 information of the remittance. In this case, the financial transaction validity between the wireless terminals is provided by providing a predetermined financial transaction authentication interface with the remitter wireless terminal 697 information in association with a predetermined wireless server 690 based on the remitter wireless terminal 697 information. It characterized in that it comprises a financial transaction authentication interface 685 to authenticate the.

The information receiving unit 655 receives the financial transaction processing information including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the telecommunication company server 600 through the communication means. In accordance with the financial transaction processing information to the wireless terminal (697) of the remitter is further included, or preferably received by further including the financial transaction financial information of the predetermined financial company.

When the financial transaction processing information is received through the information receiving unit 655, the validity confirming unit 660 is linked to the financial transaction processing information in connection with a financial system equipped with a financial account which is a remitter included in the financial transaction processing information. It is characterized by checking the validity.

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

When the financial transaction processing information received through the information receiving unit 655 further includes the remitter wireless terminal 697 information, the financial transaction authentication interface 685 is connected to a predetermined wireless server 690. A predetermined financial transaction authentication information (e.g., account password, financial transaction password, security card information, etc.) is input to the wireless terminal corresponding to the information of the remitter wireless terminal 697 and transmitted to the financial company server 650 directly. And provide the financial transaction authentication interface of the financial transaction authentication information received from the wireless terminal in connection with the financial system after receiving the financial transaction authentication information from the remitter wireless terminal 697. Comparing (or authenticating) the corresponding financial transaction authentication information is provided to authenticate the financial transaction validity between the wireless terminals.

According to an embodiment of the present invention, the financial transaction authentication interface 685 provides a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information on the remitter wireless terminal 697 through a predetermined wireless server 690. Transmitting a wireless message including a callback URL (Callback URL) for, and when the wireless terminal is connected through the callback UEL, to input the predetermined financial transaction authentication information to the wireless terminal to transmit directly to the financial company server (650) Provide a predetermined financial transaction authentication interface, receive the financial transaction authentication information from the remitter wireless terminal 697, and then connect with the financial system to receive the financial transaction authentication information and the ledger D / Comparing (or authenticating) the financial transaction authentication information provided in B to authenticate the financial transaction validity between the wireless terminals. It is good.

Referring to FIG. 6, when the validity of the financial transaction processing information and / or the validity of the financial transaction authentication information is authenticated, the financial institution server 650 may provide a preliminary full financial transaction corresponding to the financial transaction processing information. It is characterized in that it comprises a full text generation unit 665 for generating, and a full text transmission unit 670 for transmitting the preliminary full text of the financial transaction to the communication company server 600.

If a condition for processing a financial transaction between the wireless terminals is satisfied based on the financial transaction processing information (eg, when the validity of the financial transaction processing information and / or the validity of the financial transaction authentication information is authenticated), the The full text generation unit 665 may generate a predetermined financial transaction preliminary text for processing a financial transaction between wireless terminals corresponding to the financial transaction processing information through the financial system in the financial company server 650.

Here, the preliminary financial transaction preamble is a preface that is capable of processing a financial transaction corresponding to the financial transaction processing information by the financial company, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

The specialized transmission unit 670 transmits the generated financial transaction preliminary preamble to the telecommunication company server 600 through the communication means, and then the financial preliminary preamble is requested from the communication company server 600 by a predetermined financial transaction. When received in full text, it is preferable that the financial transaction corresponding to the full text of the financial transaction request is processed by the financial institution server 650.

Referring to FIG. 6, when the telecommunication company server 600 receives the preliminary full text of the financial transaction from the financial institution server 650 through the communication means and the preliminary full text of the financial transaction is received, A financial transaction confirmation processing a recipient confirmation (or agreement) for a financial transaction between the wireless terminals by providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 699 information included in the financial transaction request message. Upon confirmation (or agreement) of the payee for the financial transaction between the interface unit 630 and the wireless terminal, the preliminary full financial transaction is converted into a full financial transaction request message to the financial company server 650 through the communication means. A predetermined financial transaction process corresponding to the full text of the financial transaction request from the financial institution server 650 through a specialized transmission unit 635 for transmitting and the communication means; Receive a financial transaction response message including the details, and each of the wireless messages including the financial transaction processing history contained in the financial transaction response message corresponding to the sender wireless terminal 697 information and the receiver wireless terminal 699 information, respectively. Characterized in that it comprises a specialized processing unit 640 for transmitting to the wireless terminal.

When the financial transaction preliminary full text is received from the financial company server 650, the financial transaction confirmation interface unit 630 stores predetermined financial transaction confirmation information (eg, stored) in a wireless terminal corresponding to the recipient wireless terminal 699 information. A predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the receiver wireless terminal 699 information in the medium 645 to be transmitted to the telecommunication company server 600, and the receiver wireless terminal 699 After receiving the financial transaction confirmation information from), the financial transaction confirmation information received from the wireless terminal in conjunction with the financial system and compares (or authenticates) the recipient side transaction authentication information stored in the storage medium 645 to the wireless Characterized in that the processing of the recipient confirmation (or agreement) for the financial transaction between the terminals.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 630 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 699 information. When the wireless terminal transmits a wireless message, and the wireless terminal accesses the callback UE, the wireless terminal stores predetermined financial transaction confirmation information (for example, the storage medium 645 in association with the recipient wireless terminal 699 information). Provide a predetermined financial transaction confirmation interface for inputting and transmitting transaction authentication information to the telecommunication company server 600, and after receiving the financial transaction confirmation information from the payee wireless terminal 699, associate with the financial system. By comparing (or authenticating) the financial transaction confirmation information received from the wireless terminal with the recipient side transaction authentication information stored in the storage medium 645. For example, it is preferable to process a payee confirmation (or consent) for the financial transaction between the wireless terminals.

When the payee confirmation (or agreement) for the financial transaction between the wireless terminals is processed by the financial transaction confirmation interface unit 630, the specialized transmission unit 635 reserves the financial transaction received through the specialized receiver 625. Characterized in that the transfer to the financial transaction request telegraph transmitted from the communication company server 600 to the financial company server 650, characterized in that for transmitting to the financial company server 650 through the communication means.

After the financial transaction request message is transmitted to the financial institution server 650 by the specialized transmission unit 635, the professional processing unit 640 transmits the financial transaction request message from the financial company server 650 through the communication means. Receiving the full text of the financial transaction response that includes the predetermined financial transaction processing history corresponding to the.

According to the implementation method of the present invention, the financial transaction processing history preferably includes any one of predetermined financial transaction approval information or financial transaction error information.

In addition, the specialized processing unit 640 is a wireless terminal corresponding to the information of the remitter wireless terminal 697 and the wireless terminal including the financial transaction processing history contained in the received financial transaction response message, and the recipient wireless terminal 699 The information is transmitted to the wireless terminal.

Referring to FIG. 6, the financial company server 650 may include a specialized receiver 675 which receives the full text of a financial transaction request from the communication company server 600 through the communication means, and the financial transaction in connection with the financial system. And a financial transaction processing unit 680 for processing a predetermined financial transaction corresponding to the request text.

The specialized receiving unit 675 may receive a predetermined financial transaction request message matching the preliminary financial transaction message transmitted from the financial institution server 650 to the communication company server 600, and the financial transaction processing unit 680. ) Is configured to process a financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system in which the remitter financial account is opened based on the received financial transaction request message.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 680 includes predetermined financial transaction approval information or financial transaction error information in the process of processing a financial transaction between predetermined wireless terminals corresponding to the full financial transaction request. It is preferable to generate a financial transaction processing history and transmit a predetermined financial transaction response message including the financial transaction processing history to the telecommunication company server 600 through the communication network, and correspondingly, the telecommunication company server 600. The wireless terminal transmits a wireless message including the financial transaction processing history included in the received financial transaction response message to the wireless terminal corresponding to the remitter wireless terminal 697 information and the recipient wireless terminal 699 information to the wireless terminal. It is preferable.

7 is a diagram illustrating a financial transaction request process between wireless message-based wireless terminals according to one embodiment of the present invention.

In more detail, FIG. 7 illustrates information about a predetermined receiver wireless terminal 699 and a transaction amount from the wireless terminal 697 that is a remitter on the financial transaction system between the wireless message-based wireless terminals shown in FIG. When a predetermined financial transaction request message (eg, a Short Message Service or a Multimedia Message Service) including at least one is transmitted, the carrier server 600 and the storage medium 645 are connected with each other. Check the remitter financial account information associated with the remitter wireless terminal 697 information corresponding to the financial transaction request message and the remittee financial account information associated with the remittee wireless terminal 699 information; A process of generating financial transaction processing information including information, payee financial account information, and transaction amount information and transmitting it to the financial institution server 650; For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the financial transaction request process between the wireless message-based wireless terminals may be inferred by referring to and / or modifying the drawing 7. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 7.

Referring to FIG. 7, a predetermined financial transaction request message (eg, a short message) including at least one financial transaction request information in a wireless terminal 697 that is a remittance on a financial transaction system between wireless messages based on wireless messages shown in FIG. A short message service or a multimedia message service is input (700), and the financial transaction request message is transmitted to the communication company server 600 through the wireless communication network (705).

Among the financial transaction request information included in the financial transaction request message, the financial institution identifier may include at least one of numbers, letters, symbols, and the like which can be input through a key input device provided in the wireless terminal. A unique number (or unique code) for identifying a financial institution in which a financial account linked with the remitter wireless terminal 697 information is provided among a plurality of financial institutions providing financial transactions between the wireless terminals in connection with the communication company server 600. , Or a unique string).

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 600, or the wireless terminal 697 information which is the remittance to the storage medium 645; When the financial institution providing the financial transaction between the wireless terminals can be identified through the linked and stored financial account information, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

Among the financial transaction request information included in the financial transaction request message, the recipient wireless terminal 699 information is provided by the telecommunication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. As information corresponding to an inter-financial transaction target, the wireless terminal information is preferably matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 645.

Of the financial transaction request information included in the financial transaction request message, the transaction value information, the financial transaction between the wireless terminal provided in connection with the financial company server 650 corresponding to the financial institution identifier in the communication company server 600 Information corresponding to an amount of money, the transaction amount information is at least one or more of the amount withdrawn from the financial account associated with the information of the remitter wireless terminal 697, or the amount deposited into the financial account to the storage medium (645) It is preferable to comprise.

Of the financial transaction request information included in the financial transaction request message, the transaction authentication information, the communication server server 600 provides a financial transaction between wireless terminals provided in association with the financial company server 650 corresponding to the financial institution identifier. The authentication information may include predetermined authentication information (eg, a password, etc.) to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information. desirable.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information is preferably made of the communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645.

According to another exemplary embodiment of the present invention, transaction authentication information stored in connection with the remitter wireless terminal 697 information in the storage medium 645 corresponds to the financial account associated with the remitter wireless terminal 697 information. When the financial company financial transaction authentication information includes at least one or more of an account password, a financial transaction password, a security card information, and the like, the transaction authentication information is compared (or authenticated) with transaction authentication information stored in the storage medium 645. It is preferable that the financial company is included in the financial transaction authentication information.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 645, the transaction authentication information may be omitted in the financial transaction request message, and thus the present invention is not limited thereto. No.

Among the financial transaction request information included in the financial transaction request message, the memo (or message) is financed between wireless terminals provided by the communication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. It is preferable to include at least one or more information that must be provided to the financial institution server 650 in order to process a transaction.

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request message is determined by the remitter. It is preferable to include the additional depositor information entered.

According to an embodiment of the present invention, it is preferable that at least one financial transaction request information corresponding to the financial transaction request message is included in accordance with a predetermined financial transaction request message protocol.

Here, the financial transaction request message protocol preferably includes at least one identifier for distinguishing each financial transaction request information order and each financial transaction request information.

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", it is preferable that the message information of the financial transaction request message includes an information structure such as "SHB * 01012349876 * 50000", Here, the "SHB" is a financial institution identifier, the shopping mall "01012349876" is the recipient wireless terminal 699 information, and the "50000" corresponds to a transaction amount.

Thereafter, the communication company server 600 receives the financial transaction request information through the wireless communication network (710) and reads the received financial transaction request message to check the validity of the financial transaction request message (715). ).

According to an embodiment of the present invention, the telecommunication company server 600 may read predetermined message information from the received financial transaction request message and read whether the message information is made according to the financial transaction request message protocol. .

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", the communication company server 600 is configured such that the message information included in the financial transaction request message is "SHB * 01012349876 * 50000" It is preferable to check whether it comprises.

If the validity of the financial transaction request message is not confirmed (720), the communication company server 600 generates predetermined financial transaction request message error information for the financial transaction request message to the remitter wireless terminal 697. In operation 725, the remitter wireless terminal 697 repeats the financial transaction request message transmission process.

On the other hand, if the validity of the financial transaction request message is confirmed (720), the telecommunication company server 600 reads at least one or more financial transaction request information from the financial transaction request message, and for the read financial transaction request information Validation is checked (730).

According to the exemplary embodiment of the present invention, the telecommunication company server 600 may read whether the respective financial transaction request information included in the message information is valid according to the financial transaction request message protocol.

For example, the financial transaction request information includes a financial institution identifier consisting of an English letter and a beneficiary wireless terminal (699) information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (699) information and transaction amount information, and when the identifier for distinguishing each financial transaction request information is "*", the communication company server 600 is a financial institution of the message information included in the financial transaction request message It is preferable to check whether the identifier is composed of alphabetic characters, check whether the recipient telephone number of the message information is composed of numbers starting with "01x", and check whether the transaction amount of the message information is comprised of numbers within the transaction limit amount. Do.

According to an exemplary embodiment of the present invention, when predetermined transaction authentication information is included in the financial transaction request information read from the financial transaction request message, the communication company server 600 is connected to a storage medium 645 to transmit the wireless terminal. 697 confirms predetermined transaction authentication information associated with the information (or remitter financial account information), and compares the transaction authentication information read from the financial transaction request message with the transaction authentication information checked from the storage medium 645 ( Or authentication) to confirm the validity of the carrier side of the financial transaction between the wireless terminals.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the communication company server 600 compares (or authenticates) the read communication company-side financial transaction authentication information and the carrier-side financial transaction authentication information stored in the storage medium 645 It is preferable.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 information. When the financial company financial transaction authentication information includes at least one or more passwords, financial transaction passwords, security card information, and the like, the telecommunication company server 600 includes the read financial company financial transaction authentication information and the storage medium 645. It is preferable to compare (or authenticate) financial transaction authentication information stored in the financial company.

If the validity of the financial transaction request information is not confirmed (735), the communication company server 600 generates the predetermined financial transaction request message error information for the financial transaction request message. The sender wireless terminal 697 transmits the data to the remitter wireless terminal 697. In response thereto, the remitter wireless terminal 697 repeats the financial transaction request message transmission process.

If the validity of the financial transaction request information is confirmed (735), the communication company server 600 is a remitter wireless terminal 697 information corresponding to the financial transaction request information from the storage medium 645 and the recipient wireless terminal ( 699) extracting the remitter financial account information and the beneficiary financial account information corresponding to the information (740), the financial information including the extracted remitter financial account information and the recipient financial account information and the transaction amount information included in the financial transaction request information; Generating transaction processing information (745), wherein the financial transaction processing information is preferably made of the communication server server 600 and the financial company server 650 includes a communication protocol structure.

According to an embodiment of the present invention, when the financial company server 650 authenticates the financial transaction validity between the wireless terminals, the financial transaction processing information may be linked to the remitter wireless terminal 697 at the financial company server 650. Preferably, the remitter is configured to further include information about the wireless terminal 697 for remitting the financial transaction validity between the wireless terminals.

According to another embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, and financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 650. ), The financial transaction processing information further includes the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 650.

According to another exemplary embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the communication company server 600. ), The financial transaction processing information may omit the remitter wireless terminal 697 information, or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Thereafter, the communication company server 600 transmits the generated financial transaction processing information to the financial company server 650 (750).

8 is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless message-based wireless terminals according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates the financial company server 650 by performing a financial transaction request process between wireless terminals shown in FIG. 7 in a communication company server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. When the financial transaction processing information is transmitted, the financial institution server 650 authenticates the validity of the financial transaction between the wireless terminals based on the financial transaction processing information, and reserves a predetermined financial transaction including the financial transaction processing information. The present invention relates to a process of generating a full text. Specifically, the financial transaction processing information includes the remitter financial account information, the remittee financial account information, the transaction amount information, and the remitter wireless terminal 697 information.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to infer various implementation methods for the financial transaction authentication and preliminary full text generation process between the wireless message-based wireless terminals. However, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 8, and the financial transaction authentication process between wireless terminals including the financial company financial transaction authentication information in the financial transaction processing information. Or may infer the financial transaction authentication process between the wireless terminals including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial transaction processing information. It is characterized by comprising.

Referring to FIG. 8, the financial institution server 650 performs a request process for a financial transaction between wireless terminals shown in FIG. 7 in a communication company server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. 6. When the financial transaction processing information is transmitted, the financial institution server 650 receives the financial transaction processing information from the telecommunication company server 600 (800) and checks the validity of the received financial transaction processing information ( 805).

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. It is preferable that the authentication information and the financial transaction authentication information provided in the ledger D / B comprises the comparison (or authentication).

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction processing information is not confirmed (810), the financial company server 650 generates a predetermined financial transaction error information and transmits it to the communication company server 600 (815), the communication company server 600 Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction processing information is confirmed (815), the financial institution server 650 is the remitter wireless terminal 697 through the information of the remitter wireless terminal 697 included in the received financial transaction processing information. In operation 820, the remitter wireless terminal 697 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial institution server 650. In step 830, the financial institution server 650 receives the financial transaction authentication information from the remitter wireless terminal 697 and confirms the validity of the financial transaction between the wireless terminals (830).

According to an exemplary embodiment of the present invention, the financial institution server 650 is a wireless terminal corresponding to the information of the wireless terminal 697 that is the remitter in connection with a predetermined wireless server 690. A financial transaction authentication interface for inputting a financial transaction password, security card information, etc.) to be directly transmitted to the financial institution server 650, and receiving the financial transaction authentication information from the remitter wireless terminal 697. Thereafter, in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the corresponding financial transaction authentication information included in the ledger D / B are compared (or authenticated) to authenticate the financial transaction validity between the wireless terminals. desirable.

For example, the financial company server 650 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the wireless terminal 697 that is the remitter via a predetermined wireless server 690. When the wireless terminal transmits a wireless message and the wireless terminal accesses through the callback UL, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 650. And after receiving the financial transaction authentication information from the remitter wireless terminal 697, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. It is preferable to authenticate (or authenticate) the financial transaction validity between the wireless terminals.

On the other hand, if the validity of the financial transaction between the wireless terminal is authenticated (835), the financial company server 650 generates a predetermined financial transaction error information and transmits to the communication company server 600 (815), the communication company server 600 Repeat the process of receiving the financial transaction processing information from.

On the other hand, if the validity of the financial transaction between terminals is authenticated (835), the financial institution server 650 generates a predetermined financial transaction preliminary text for processing the financial transaction between wireless terminals corresponding to the financial transaction processing information through the financial system. (840).

Here, the preliminary financial transaction preamble is a preface that is capable of processing a financial transaction corresponding to the financial transaction processing information by the financial company, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

Thereafter, the financial company server 650 transmits the generated financial transaction preliminary full text to the communication company server 600 through the communication means (845), and then the financial transaction preliminary full text is predetermined from the communication company server 600. When the financial transaction request is received in full, it is preferable that the financial transaction corresponding to the full financial transaction request is processed by the financial company server 650.

9 is a diagram illustrating a process of processing a financial transaction request between wireless messages-based wireless terminals according to an embodiment of the present invention.

In more detail, FIG. 9 is performed by the financial company server 650 on the wireless message-based wireless terminal financial transaction system shown in FIG. When transmitting to the communication company server 600, after the financial transaction confirmation (or agreement) processing through the recipient wireless terminal 699 in the communication company server 600, the preliminary financial transaction preamble to the predetermined financial transaction request by processing As a process for transmitting to the financial company server 650, specifically, the financial transaction confirmation (or agreement) process is performed in association with the recipient wireless terminal 699 information stored in the storage medium 645 and stored in the communication company side financial transaction. It is about the implementation method made through authentication information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for the financial transaction request professional processing process between the wireless message-based wireless terminals. The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 9 to confirm the financial transaction (or agreement) with the recipient wireless terminal 699 to confirm a predetermined financial transaction. It would be possible to infer an implementation method comprising transmitting a message, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 9, a financial company server 650 on a wireless message-based wireless terminal financial transaction system shown in FIG. 6 performs a financial transaction authentication and preliminary full text generation process between wireless terminals shown in FIG. When transmitting to the server 600, the communication company server 600 receives the preliminary full financial transaction from the financial company server 650, and checks the information on the predetermined recipient wireless terminal 699 (900).

Here, the receiver wireless terminal 699 information is preferably confirmed from the financial transaction request information received by the communication company server 600 in the financial transaction request process between the wireless terminal shown in FIG.

Subsequently, the telecommunication company server 600 provides a predetermined financial transaction confirmation interface to the remitter wireless terminal 697 through the recipient wireless terminal 699 information (905), and correspondingly the remitter wireless terminal 697. ) Stores predetermined financial transaction confirmation information (for example, information corresponding to the communication company-side financial transaction authentication information stored in the storage medium 645 in association with the recipient wireless terminal 699 information) through the financial transaction confirmation interface. Input (or select) and transmit the data to the telecommunication company server 600 (910), and the telecommunication company server 600 receives the financial transaction confirmation information from the remitter wireless terminal 697 for the financial transaction between the wireless terminals. Confirm recipient confirmation (or consent) (915).

According to an embodiment of the present invention, the telecommunication company server 600 is a wireless terminal corresponding to the recipient wireless terminal 699 information, the financial transaction confirmation information (for example, the storage medium 645 to the recipient wireless terminal 699) ) Provides a predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the information) to be transmitted to the telecommunication company server 600, and receives the financial transaction confirmation information from the payee wireless terminal 699. And confirming (or agreeing) the payee for the financial transaction between the wireless terminals by comparing (or authenticating) the financial transaction confirmation information received from the wireless terminal with the financial system and the recipient transaction authentication information stored in the storage medium 645. Is preferred.

For example, the telecommunication company server 600 transmits a wireless message including a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 699 information, and the wireless terminal. When accessing through the callback UE, the wireless terminal inputs predetermined financial transaction confirmation information (e.g., transaction authentication information stored in association with the recipient wireless terminal 699 information) to the storage medium 645 and the communication server. Providing a predetermined financial transaction confirming interface for transmitting to the 600, receiving the financial transaction confirming information from the payee wireless terminal 699, and confirming the financial transaction received from the wireless terminal in association with the financial system; Compare (or authenticate) information with the recipient's transaction authentication information stored in the storage medium 645 to perform financial transactions between the wireless terminals. To process the chwiin check (or motion) are preferred.

If the validity of the financial transaction confirmation information is authenticated (920), the telecommunication company server 600 generates predetermined financial transaction error information and transmits it to the recipient wireless terminal 699 (925), and the telecommunication company server 600 Repeat the process of receiving the financial transaction processing information from.

If the validity of the financial transaction confirmation information is authenticated (920), the telecommunication company server 600 sends a preliminary full financial transaction received from the financial institution server 650 in the financial transaction request process between the wireless terminals shown in FIG. 7. Conversion to the financial transaction request message corresponding to the financial transaction request information received by the communication company server 600 (930), and transmits the financial transaction request message to the financial company server 650 through the communication means (935) ).

10 is a diagram illustrating a financial transaction processing process between wireless message-based wireless terminals according to one embodiment of the present invention.

In more detail, FIG. 10 illustrates the financial institution server through the professional transaction processing of the financial transaction request between wireless terminals shown in FIG. 9 in the communication server server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. When the predetermined financial transaction request message is transmitted to 650, the financial company server 650 processes a financial transaction between wireless terminals corresponding to the financial transaction request message, which is common in the art. Those skilled in the art will be able to infer various implementation methods for the financial transaction processing process between the wireless message-based wireless terminals by referring to and / or modifying the drawing 10, but the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method illustrated in FIG. 10.

Referring to FIG. 10, the financial institution server 650 through the wireless transaction based inter-terminal financial transaction system shown in FIG. When the predetermined financial transaction request message is transmitted, the financial company server 650 receives the financial transaction request message from the telecommunication company server 600 through the communication means, and confirms the validity of the financial transaction request message. (1000).

In this case, the validity check for the full text of the financial transaction request may be performed through the financial transaction authentication and preliminary full text generation process between the wireless terminals as shown in FIG. 8. It is preferable to include a check whether the match with the financial transaction preamble sent to the communication company server 600 in 650.

If the validity of the financial transaction request message is not confirmed (1005), the financial company server 650 generates the financial transaction request message error information and transmits it to the communication company server 600 (1010), and the communication company server Repeat the process of receiving the full financial transaction request from (600).

On the other hand, if the validity of the financial transaction request message is confirmed (1005), the financial company server 650 corresponds to the financial transaction request message in connection with the financial system in which the remitter financial account included in the financial transaction request message is opened. The financial transaction between the wireless terminals is handled (1015).

In this case, the financial transaction between the wireless terminals preferably comprises an account transfer service between the financial accounts associated with the wireless terminal information.

If the financial transaction between the wireless terminals is processed (1020), the financial company server 650 generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information (1025), The financial transaction response message including the financial transaction processing details is transmitted to the communication company server 600 through the communication means (1030), and correspondingly, the communication company server 600 includes a predetermined information including the financial transaction processing history. A financial transaction processing message is generated (1035), and the generated financial transaction processing message is transmitted to the sender wireless terminal 697 and the receiver wireless terminal 699 (1040).

11 is a diagram showing the configuration of a financial transaction system between wireless message-based wireless terminals according to another embodiment of the present invention.

In more detail, in FIG. 11, the information retrieval system shown in FIG. 1 and / or FIG. 3 provides the information regarding the remittee wireless terminal 1197 and the receiver wireless terminal 1199 to the carrier storage medium 1150, respectively. After the financial transaction registration information between the wireless terminals is registered, the wireless terminal corresponding to the remitter wireless terminal (1197) information is connected to the communication company server 1100 a predetermined recipient wireless terminal for the financial transaction between the wireless terminals (1199) When the financial transaction request information including at least one or more information and the transaction amount is transmitted, the communication server server 1100 is configured to process the financial transaction between the wireless terminal in connection with a predetermined financial company server 1155 For those of ordinary skill in the art to which the present invention pertains, reference to and / or modification of the present invention will be made with reference to FIG. Would be able to infer a variety of exemplary methods for the transaction, the system configuration, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 11.

In the wireless message-based inter-terminal financial transaction system according to the embodiment shown in FIG. 11, the remitter wirelessly registers the financial transaction registration information between the wireless terminals through the information registration system shown in FIGS. 1 and / or 3. A wireless terminal including at least one terminal 1197 and at least one recipient wireless terminal 1199, a wireless message is connected to the wireless terminal through a predetermined wireless communication network, and a predetermined message is transmitted from the remitter wireless terminal 1197 via the wireless communication network. After receiving the financial transaction request information, the communication company server 1100 for requesting the financial transaction between the wireless terminals to a predetermined financial company server 1155 based on the financial transaction request information, and the predetermined communication company server 1100 and The communication company server (eg, a communication network (for example, a dedicated communication network, an encryption-based secure communication network, or a communication network provided with a dedicated communication protocol)). It is characterized in that it comprises a financial company server (1155) for processing the financial transactions between the wireless terminal requested from 1100.

The wireless terminal has a function of transmitting and receiving at least one or more wireless messages (eg, a short message service or a multimedia message service) through a predetermined wireless communication network, and the communication company server 1100 and / or Or outputting at least one interface screen provided by the financial institution server 1155, and inputting at least one or more information for financial transactions between the wireless terminals through at least one user interface included in the interface screen to display the interface screen. A browser program (or a messenger program, a financial transaction program, etc.) transmitted to the communication company server 1100 and / or the financial company server 1155 provided is provided.

Those skilled in the art to which the present invention pertains may include a wireless terminal including a mobile communication terminal having access to the CDMA / WCDMA-based wireless communication network and having a wireless message transmission / reception function, an interface screen output, and an information input function. In addition to the technical features of the CDMA / WCDMA-based wireless communication network in addition to the high-speed downlink packet access (HSDPA) -based wireless communication network, IEEE 802.16x-based wireless communication network for transmitting and receiving the wireless message, interface screen output and information input function Since you will be familiar with the technical features of the wireless terminal provided, a detailed description thereof will be omitted for convenience.

According to the present invention, financial transaction registration information between wireless terminals registered through the information registration system shown in FIGS. 1 and / or 3 is provided in the communication company server 1100 or accessed from the communication company server 1100. Characterized in that it is provided on the network.

According to the exemplary embodiment of the present invention, the financial transaction registration information stored in the storage medium 1150 may include at least one of predetermined customer information, wireless terminal information, financial account information, and transaction authentication information. Do.

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to an embodiment of the present invention, the customer information is preferably matched with any one of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminal.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal (1197), or the receiver wireless terminal (1199) information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is a receiver wireless terminal 1199 information, and the on-line store that handles payment through the financial transaction between the receiver wireless terminal, the receiver wireless terminal (1199) information is sent to the store. It is possible to include corresponding virtual radio terminal information (for example, the store telephone number, the virtual telephone number assigned to the store, the store representative radio terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information registered by the customer for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number and account holder information corresponding to the information and the financial institution opened the financial account is preferably formed.

According to an embodiment of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

According to the present invention, the communication company server 1100 may include an interface unit 1105 for connecting at least one wireless terminal and a wireless message communication channel according to a predetermined wireless message protocol provided on a wireless communication network, and the interface unit 1105. Input the financial transaction request information including at least one predetermined financial institution identifier, the recipient wireless terminal 1199 information, the transaction amount information, the transaction authentication information, and various memos (or messages) to the wireless terminal in association with the wireless terminal; An interface providing unit 1110 for providing a financial transaction interface for transmitting and transmitting the data, and a financial institution identifier and a recipient wireless terminal 1199 information and a transaction amount information from the wireless terminal in association with the interface unit 1105; Receive financial transaction request information including at least one transaction authentication information and various memos (or messages), Group interface unit 1105 and to the sender wireless terminal (1197) for reading the information sent to the financial transaction request associated information is characterized by comprising an information receiving unit 1115.

The interface unit 1105 connects the remitter wireless terminal 1197 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and the communication defined in the communication program included in the remitter wireless terminal 1197. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a protocol.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the wireless terminal 1197 of the remitter, the interface unit 1105 may transmit the remitter based on the CDMA protocol. Connects a communication channel with the wireless terminal 1 197 and uses a WAP / ME protocol defined in the browser program to provide a web page (e.g., a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information. Provides a communication interface for transmission and reception.

Those skilled in the art to which the present invention pertains, the interface unit 1105 connects the remittance wireless terminal 1197 and a predetermined communication channel according to each wireless message protocol corresponding to each wireless communication network. And it will be familiar with the technical features to manage, detailed description thereof will be omitted for convenience.

The interface providing unit 1110 may input financial transaction request information including at least one predetermined financial institution identifier and a beneficiary wireless terminal 1199 information, transaction amount information, transaction authentication information, and various memos (or messages). At least one or more user interfaces to be transmitted), and / or extracted from a predetermined database (not shown), and at least one or more of the generated (or extracted) user interfaces in conjunction with the interface unit 1105. It characterized in that to provide a financial transaction interface comprising a remittance to the wireless terminal (1197) connected to the communication channel.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the remitter wireless terminal 1197 and transmitting the information to the telecommunication company server 1100 through the wireless communication network is provided. When a predetermined program is provided, the wireless terminal 1197 of the remitter of the financial transaction interface including a user interface for inputting (or selecting) predetermined financial transaction request information and transmitting the predetermined financial transaction request information to the telecommunication company server 1100 as described above. The interface providing unit 1110 may be omitted. Thus, the present invention is not limited thereto.

Financial transaction request information including at least one or more financial institution identifier and recipient wireless terminal 1199 information, transaction amount information, transaction authentication information, and various memos (or messages) through the financial transaction interface in the remitter wireless terminal 1197; When inputting (or selecting) and transmitting, the information receiver 1115 receives the financial transaction request information in association with the interface unit 1105.

Preferably, the financial institution identifier included in the financial transaction request information includes at least one of numbers, letters, symbols, etc., which can be input through a key input device provided in the wireless terminal, and the communication company server 1100. A unique number (or unique code, or unique string) identifying a financial institution having a financial account associated with the remitter's wireless terminal 1197 information among a plurality of financial institutions that provide financial transactions between the wireless terminals in connection with It is preferable to comprise.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 1100, or information about the wireless terminal 1197 which is the remittance to the storage medium 1150; When the financial institution providing the financial transaction between the wireless terminals may be identified in connection with the telecommunication company server 1100 through the financial account information stored in association, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

The beneficiary wireless terminal 1199 information included in the financial transaction request information corresponds to a financial transaction target between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. As the information, the wireless terminal information may be matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 1150.

The transaction value information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided in connection with the financial company server 1155 corresponding to the financial institution identifier by the telecommunication company server 1100, Preferably, the transaction amount information includes at least one of an amount withdrawn from a financial account associated with the remitter wireless terminal 1 197 information or an amount deposited into the financial account in the storage medium 1150.

The transaction authentication information included in the financial transaction request information is information for authenticating a financial transaction between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. Preferably, the storage medium 1150 includes predetermined authentication information (eg, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 1197 information.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 is registered by the telecommunication company to confirm the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information is preferably made of the communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 1150.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 1150. It is preferable that the financial company includes financial transaction authentication information.

When the transaction authentication information is omitted in the storage medium 1150 according to another embodiment of the present invention, it is preferable that the transaction authentication information is omitted in the financial transaction request information, thereby limiting the present invention. No.

The memo (or message) included in the financial transaction request information may be used to process a financial transaction between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. It is preferable to include at least one or more information to be provided to the financial institution server (1155).

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request information is determined by the remitter. It is preferable to include the additional depositor information entered.

In addition, the information receiving unit 1115 reads out the wireless terminal 1197 information of the remitter which transmitted the financial transaction request information from the communication channel information corresponding to the wireless terminal 1197 that is the remitter in association with the interface unit 1105. It is characterized by.

Referring to FIG. 11, when the at least one financial transaction request information is received through the information receiving unit 1115, and the wireless terminal 1197 information, which is the remittance, is read, the storage medium. Checks the remitter financial account information associated with the read remitter wireless terminal 1197 information from 1150, and receives information from the remittee wireless terminal 1199 included in the financial transaction request information read from the storage medium 1150; A predetermined financial transaction processing information including the remittee financial account information, the beneficiary financial account information, and the transaction amount information through a predetermined communication means; It is characterized in that it comprises an information transmission unit 1125 for transmitting to the financial institution server (1155).

The information checking unit 1120 is a remitter financial account associated with the readout of the remitter wireless terminal 1197 information in connection with the storage medium 1150 registered through the information registration system shown in FIG. 1 and / or FIG. And confirming the payee financial account information associated with the payee wireless terminal 1199 information included in the received financial transaction request information in connection with the storage medium 1150.

According to the exemplary embodiment of the present invention, when the received predetermined transaction authentication information is read, the information confirming unit 1120 is connected to the storage medium 1150 to transmit the wireless terminal 1197 information (or remitter's financial account). Information regarding the predetermined transaction authentication information, and compares (or authenticates) the transaction authentication information checked from the storage medium 1150 with the received transaction authentication information to the communication company side for the financial transaction between the wireless terminals. It is desirable to check the validity.

According to an exemplary embodiment of the present invention, transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the predetermined communication company side financial transaction authentication information is included, the information checking unit 1120 compares (or authenticates) the read communication company side financial transaction authentication information with the carrier side financial transaction authentication information stored in the storage medium 1150. Is preferred.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 information. When the financial company financial transaction authentication information includes at least one or more passwords, financial transaction passwords, security card information, and the like, the information verification unit 1120 may read the read financial company financial transaction authentication information and the storage medium 1150. It is preferable to compare (or authenticate) the financial company financial transaction authentication information stored in the).

When the remitter financial account information and the beneficiary financial account information are confirmed through the information checking unit 1120, the information transmitting unit 1125 determines the remitter financial account information and the recipient financial account information and the received transaction amount information. Generate predetermined financial transaction processing information, and transmit the generated financial transaction processing information to the financial company server 1155 through a predetermined communication means, wherein the financial transaction processing information is the communication company; Preferably, the server 1100 and the financial institution server 1155 include a communication protocol structure.

When the financial company server 1155 authenticates the financial transaction validity between the wireless terminals according to an embodiment of the present invention, the financial transaction processing information is linked to the remitter wireless terminal 1197 by the financial company server 1155. Preferably, the remitter is configured to further include wireless terminal 1197 information for authenticating the financial transaction validity between the wireless terminals.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, and the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 1155. ), The financial transaction processing information further comprises the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 1155.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the telecommunication company server 1100. ), The financial transaction processing information may omit the remitter wireless terminal 1 197 information or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Referring to FIG. 11, the financial company server 1155 receives financial transaction processing information including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the communication company server 1100 through the communication means. And an information receiving unit 1160 and a validity confirming unit 1165 for checking the validity of the financial transaction processing information. The financial transaction processing information further includes information about the wireless terminal 1197 which is the remittance. In this case, the financial transaction validity between the wireless terminals is provided by providing a predetermined financial transaction authentication interface with the remitter wireless terminal 1 197 information in connection with a predetermined wireless server 1 195 based on the remitter wireless terminal 1 197 information. It characterized in that it comprises a financial transaction authentication interface unit 1190 to authenticate the.

And the information receiving unit 1160 receives financial transaction processing information including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the telecommunication company server 1100 through the communication means. In accordance with the financial transaction processing information to the wireless terminal (1197) information of the remitter is further included, or the predetermined financial company financial transaction authentication information is further received.

When the financial transaction processing information is received through the information receiving unit 1160, the validity confirming unit 1165 is connected to the financial transaction processing information in connection with a financial system equipped with a remitter financial account included in the financial transaction processing information. It is characterized by checking the validity.

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

When the financial transaction processing information received through the information receiving unit 1160 further includes the remitter wireless terminal 1197 information, the financial transaction authentication interface unit 1190 may be connected to a predetermined wireless server 1195. A predetermined financial transaction authentication information (e.g., account password, financial transaction password, security card information, etc.) is input to the wireless terminal corresponding to the information of the remitter wireless terminal 1197 and transmitted to the financial institution server 1155 directly. After providing the financial transaction authentication interface, and receives the financial transaction authentication information from the remitter wireless terminal (1197), the financial transaction authentication information received from the wireless terminal and the ledger D / B in connection with the financial system Comparing (or authenticating) the corresponding financial transaction authentication information is provided to authenticate the financial transaction validity between the wireless terminals.

According to an embodiment of the present invention, the financial transaction authentication interface 1190 provides a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 1197 through a predetermined wireless server 1119. Transmitting a wireless message including a callback URL (CallbackURL) for, and when the wireless terminal is connected through the callback UEL, to input the predetermined financial transaction authentication information to the wireless terminal to transmit directly to the financial company server (1155) After providing the predetermined financial transaction authentication interface, and receives the financial transaction authentication information from the remitter wireless terminal (1197), the financial transaction authentication information and the ledger D received from the wireless terminal in connection with the financial system Comparing (or authenticating) the corresponding financial transaction authentication information provided in / B to authenticate the validity of the financial transaction between the wireless terminals It is preferred.

Referring to FIG. 11, when the validity of the financial transaction processing information and / or the validity of the financial transaction authentication information is authenticated, the financial company server 1155 may prepare a preliminary full text of the financial transaction corresponding to the financial transaction processing information. It is characterized in that it comprises a full text generation unit 1170 for generating, and a full text transmission unit 1175 for transmitting the preliminary full text of the financial transaction to the communication company server 1100.

If a condition for processing a financial transaction between the wireless terminals is satisfied based on the financial transaction processing information (eg, when the validity of the financial transaction processing information and / or the validity of the financial transaction authentication information is authenticated), the The full text generation unit 1170 may generate a predetermined financial transaction preliminary text for processing a financial transaction between wireless terminals corresponding to the financial transaction processing information through the financial system in the financial company server 1155.

Here, the preliminary financial transaction preamble is a preface that is capable of processing a financial transaction corresponding to the financial transaction processing information by the financial company, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

The specialized transmission unit 1175 transmits the generated financial transaction preliminary preamble to the communication company server 1100 through the communication means, and then the financial preliminary preamble is requested from the communication company server 1100 by a predetermined financial transaction. When received in full text, it is preferable that the financial transaction corresponding to the full text of the financial transaction request is processed by the financial institution server 1155.

Referring to FIG. 11, when the telecommunication company server 1100 receives the full text transaction preamble 1130 for receiving the preliminary full text of the financial transaction from the financial company server 1155 through the communication means, and receives the preliminary full text of the financial transaction, A financial transaction confirmation for processing a recipient confirmation (or agreement) for a financial transaction between the wireless terminals by providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 1199 information included in the financial transaction request information. When the payee confirmation (or agreement) regarding the financial transaction between the interface unit 1135 and the wireless terminal is made, the preliminary full financial transaction is converted into a full financial transaction request message and transmitted to the financial company server 1155 through the communication means. A predetermined financial transaction corresponding to the full text of the financial transaction request from the financial institution server 1155 through the specialized transmission unit 1140 and the communication means Receive a financial transaction response message including a transaction history, and transmits a wireless message including the financial transaction processing history included in the financial transaction response message corresponding to the sender wireless terminal 1197 information and the receiver wireless terminal 1199 information. Characterized in that it comprises a specialized processing unit 1145 for transmitting to each wireless terminal.

When the financial transaction preliminary text is received from the financial company server 1155, the financial transaction confirmation interface unit 1135 may store predetermined financial transaction confirmation information (for example, storage) with a wireless terminal corresponding to the recipient wireless terminal 1199 information. A predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the receiver wireless terminal 1199 information on the medium 1150 to be transmitted to the telecommunication company server 1100, and the receiver wireless terminal 1199. After receiving the financial transaction confirmation information from), the financial transaction confirmation information received from the wireless terminal in connection with the financial system and compares (or authenticates) the recipient side transaction authentication information stored in the storage medium 1150 to the wireless Characterized in that the processing of the recipient confirmation (or agreement) for the financial transaction between the terminals.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 1135 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 1199 information. When a wireless message is transmitted and the wireless terminal accesses through the callback UE, the wireless terminal stores a predetermined financial transaction confirmation information (for example, a storage medium 1150 stored in association with the recipient wireless terminal 1199 information). Authentication information) to provide a predetermined financial transaction confirmation interface to be transmitted to the telecommunication company server 1100, and after receiving the financial transaction confirmation information from the payee wireless terminal 1199, The financial transaction confirmation information received from the wireless terminal is compared with the transaction authentication information of the payee side stored in the storage medium 1150 (or It is preferable to process the recipient confirmation (or consent) for the financial transaction between the wireless terminals.

When the payee confirmation (or agreement) for the financial transaction between the wireless terminals is processed by the financial transaction confirmation interface unit 1135, the specialized transmission unit 1140 reserves the financial transaction received through the specialized reception unit 1130. Characterized in that the transfer to the financial transaction request telegraph transmitted from the communication company server 1100 to the financial company server 1155, characterized in that for transmitting to the financial company server 1155 through the communication means.

After the financial transaction request message is transmitted to the financial company server 1155 by the specialized transmission unit 1175, the professional processing unit 1145 transmits the financial transaction request message from the financial company server 1155 through the communication means. Receiving the full text of the financial transaction response that includes the predetermined financial transaction processing history corresponding to the.

According to the implementation method of the present invention, the financial transaction processing history preferably includes any one of predetermined financial transaction approval information or financial transaction error information.

In addition, the specialized processing unit 1145 is a wireless terminal corresponding to the information of the wireless terminal 1197 of the remitter of the wireless transaction including the financial transaction processing history contained in the received full financial transaction response, and the recipient wireless terminal (1199) The information is transmitted to the wireless terminal.

Referring to FIG. 11, the financial company server 1155 may include a specialized receiver 1180 for receiving the full text of a financial transaction request from the communication company server 1100 through the communication means, and the financial transaction in connection with the financial system. And a financial transaction processing unit 1185 for processing a predetermined financial transaction corresponding to the request text.

The specialized receiver 1180 may receive a predetermined financial transaction request telegram matching the preliminary financial transaction telegram transmitted from the financial institution server 1155 to the telecommunication company server 1100, and the financial transaction processor 1185 ) Is configured to process a financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system in which the remitter financial account is opened based on the received financial transaction request message.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 1185 includes predetermined financial transaction approval information or financial transaction error information in the process of processing a financial transaction between predetermined wireless terminals corresponding to the full financial transaction request. It is preferable to generate a financial transaction processing history, and transmit a predetermined financial transaction response message including the financial transaction processing history to the telecommunication company server 1100 through the communication network, and correspondingly, the telecommunication company server 1100. Is transmitted to the wireless terminal corresponding to the information of the wireless terminal 1197 information of the remitter and the recipient wireless terminal 1199 to a wireless terminal, the wireless message including the financial transaction processing history included in the received financial transaction response message; It is preferable.

12 is a diagram illustrating a financial transaction request process between wireless message-based wireless terminals according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a predetermined recipient for a financial transaction between the wireless terminals by accessing the telecommunication company server 1100 from the wireless terminal 1197, which is a remittance on the wireless message-based wireless terminal financial transaction system shown in FIG. When the financial transaction request information including at least one of the wireless terminal 1199 information and the transaction amount is transmitted, the remitter corresponding to the financial transaction request information is linked to the storage medium 1150 by the telecommunication company server 1100. Confirm the remitter financial account information associated with the wireless terminal (1197) information and the recipient financial account information associated with the recipient wireless terminal (1199) information, and includes the remitter financial account information, the recipient financial account information and the transaction amount information The present invention relates to a process of generating financial transaction processing information and transmitting the generated financial transaction information to the financial institution server 1155. Those skilled in the art will be able to infer various implementation methods for the financial transaction request process between the wireless message-based wireless terminals by referring to and / or modifying the drawing 12. However, the present invention provides all the inferred implementations. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 12, the wireless terminal 1197, which is a remittance on the wireless message-based wireless terminal financial transaction system shown in FIG. The communication channel of the connection (1200).

According to an embodiment of the present invention, the telecommunication company server 1100 connects the remitter wireless terminal 1197 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and connects the remitter wireless terminal 1197 to the remitter wireless terminal 1197. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the provided communication program.

For example, when the remitter wireless terminal 1197 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the telecommunication company server 1100 is based on the CDMA protocol. Connects the communication channel with the remitter wireless terminal 1197, and uses a WAP / ME protocol defined in the browser program to make a web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or Provides a communication interface for transmitting and receiving information.

Those skilled in the art to which the present invention pertains, the communication server 1100 connects a predetermined communication channel with the wireless terminal 1197, which is the remittance, according to each wireless message protocol corresponding to each wireless communication network. And it will be familiar with the technical features to manage, so a detailed description thereof will be omitted for convenience.

Thereafter, the telecommunication company server 1100 generates (or extracts) a financial transaction interface for the financial transaction between the wireless terminals and provides the remitter to the wireless terminal 1197 (1205).

According to an exemplary embodiment of the present invention, the telecommunication company server 1100 may determine a predetermined financial institution identifier and a receiver wireless terminal 1199 information, transaction amount information, transaction authentication information, and various memos (or messages) in the remitter wireless terminal 1197. Generate at least one user interface for inputting (or selecting) and transmitting financial transaction request information including at least one), and / or extract from a predetermined database (not shown), and the interface unit 1105. It is preferable to provide a financial transaction interface including at least one or more of the generated (or extracted) user interface to the remittance wireless terminal 1197 connected to the communication channel.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the remitter wireless terminal 1197 and transmitting the information to the telecommunication company server 1100 through the wireless communication network is provided. When a predetermined program is provided, the telecommunication company server 1100 inputs (or selects) predetermined financial transaction request information and transmits a financial transaction interface including a user interface to transmit to the telecommunication company server 1100. The wireless terminal 1197 may not be provided, and the present invention is not limited thereto.

Thereafter, the remitter wireless terminal 1197 inputs (or selects) at least one financial transaction request information through the financial transaction interface and transmits the information to the telecommunication company server 1100 through the communication channel (1210).

Preferably, the financial institution identifier included in the financial transaction request information includes at least one of numbers, letters, symbols, etc., which can be input through a key input device provided in the wireless terminal, and the communication company server 1100. A unique number (or unique code, or unique string) identifying a financial institution having a financial account associated with the remitter's wireless terminal 1197 information among a plurality of financial institutions that provide financial transactions between the wireless terminals in connection with It is preferable to comprise.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 1100, or information about the wireless terminal 1197 which is the remittance to the storage medium 1150; When the financial institution providing the financial transaction between the wireless terminals can be identified in connection with the telecommunication company server 1100 through the financial account information stored in association, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

The beneficiary wireless terminal 1199 information included in the financial transaction request information corresponds to a financial transaction target between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. As the information, the wireless terminal information may be matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 1150.

The transaction value information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided in connection with the financial company server 1155 corresponding to the financial institution identifier by the telecommunication company server 1100, Preferably, the transaction amount information includes at least one of an amount withdrawn from a financial account associated with the remitter's wireless terminal 1197 information or an amount deposited into the financial account.

The transaction authentication information included in the financial transaction request information is information for authenticating a financial transaction between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. Preferably, the storage medium 1150 includes predetermined authentication information (eg, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 1197 information.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 is registered by the telecommunication company to confirm the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information is preferably made of the communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 1150.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 1150. It is preferable that the financial company includes financial transaction authentication information.

When the transaction authentication information is omitted in the storage medium 1150 according to another embodiment of the present invention, it is preferable that the transaction authentication information is omitted in the financial transaction request information, thereby limiting the present invention. No.

The memo (or message) included in the financial transaction request information may be used to process a financial transaction between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. It is preferable to include at least one or more information to be provided to the financial institution server (1155).

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request information is determined by the remitter. It is preferable to include the additional depositor information entered.

Thereafter, the telecommunication company server 1100 checks the validity of the received financial transaction request information (1215).

According to an embodiment of the present invention, the telecommunication company server 1100 is connected to the storage device 1150 registered through the information registration system shown in FIG. Check the financial account information, and check the recipient financial account information associated with the recipient wireless terminal (1199) information included in the received financial transaction request information in connection with the storage medium (1150).

In addition, when the received financial transaction request information includes predetermined transaction authentication information, the telecommunication company server 1100 connects the remitter wireless terminal 1197 information (or remitter financial account information) in association with a storage medium 1150. Check the predetermined transaction authentication information associated with the terminal, and compare (or authenticate) the transaction authentication information identified from the storage medium 1150 with the received transaction authentication information to validate the carrier's side effect on the financial transaction between the wireless terminals. It is desirable to confirm.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 is registered by the telecommunication company to confirm the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the communication company server 1100 compares (or authenticates) the read communication company-side financial transaction authentication information and the carrier-side financial transaction authentication information stored in the storage medium (1150) It is preferable.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 information. When the financial company financial transaction authentication information includes at least one or more passwords, financial transaction passwords, security card information, and the like, the communication company server 1100 may include the read financial company financial transaction authentication information and the storage medium 1150. It is preferable to compare (or authenticate) financial transaction authentication information stored in the financial company.

If the validity of the financial transaction request information is not confirmed (1220), the telecommunication company server 1100 generates the predetermined financial transaction request information error information for the financial transaction request information by the telecommunication company server 1100. The sender is transmitted to the wireless terminal 1197 (1225). In response, the remitter wireless terminal 1197 repeats the financial transaction request information transmission process.

If the validity of the financial transaction request information is confirmed (1220), the telecommunication company server 1100 transmits the remitter wireless terminal 1197 information and the recipient wireless terminal corresponding to the financial transaction request information from the storage medium 1150. 1199) extracting the remitter financial account information and the beneficiary financial account information corresponding to the information (1230), and includes the extracted remitter financial account information and the beneficiary financial account information and the transaction amount information included in the financial transaction request information; Generating transaction processing information (1235), wherein the financial transaction processing information is preferably made by the telecommunication company server 1100 and the financial company server 1155 includes a communication protocol structure.

When the financial company server 1155 authenticates the financial transaction validity between the wireless terminals according to an embodiment of the present invention, the financial transaction processing information is linked to the remitter wireless terminal 1197 by the financial company server 1155. Preferably, the remitter is configured to further include wireless terminal 1197 information for authenticating the financial transaction validity between the wireless terminals.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, and the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 1155. ), The financial transaction processing information further comprises the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 1155.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the telecommunication company server 1100. ), The financial transaction processing information may omit the remitter wireless terminal 1 197 information or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Thereafter, the communication company server 1100 transmits the generated financial transaction processing information to the financial company server 1155 (1240).

13 is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless message-based wireless terminals according to another embodiment of the present invention.

In more detail, FIG. 13 illustrates a financial transaction server 1155 by performing a financial transaction request process between wireless terminals shown in FIG. 12 in a communication company server 1100 on a wireless message-based wireless terminal financial transaction system shown in FIG. When the financial transaction processing information is transmitted, the financial company server 1155 authenticates the financial transaction validity between the wireless terminals based on the financial transaction processing information, and reserves a predetermined financial transaction including the financial transaction processing information. The present invention relates to a process of generating a full text. Specifically, the financial transaction processing information includes the remitter financial account information, the recipient financial account information, the transaction amount information, and the remitter wireless terminal 1197 information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the financial transaction authentication and preliminary full text generation process between the wireless message-based wireless terminals. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 13, and the financial transaction authentication process between the wireless terminals including the financial company financial transaction authentication information in the financial transaction processing information. Or may infer the financial transaction authentication process between the wireless terminal including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial transaction processing information. It is characterized by comprising.

Referring to FIG. 13, the financial institution server 1155 performs a financial transaction request process between wireless terminals shown in FIG. 12 in a communication company server 1100 on the wireless message-based wireless terminal financial transaction system shown in FIG. 11. When the financial transaction processing information is transmitted to the financial institution server 1155, the financial institution server 1155 receives the financial transaction processing information from the telecommunication company server 1100 (1300), and confirms the validity of the received financial transaction processing information ( 1305).

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction processing information is not verified (1310), the financial institution server 1155 generates predetermined financial transaction error information and transmits the predetermined financial transaction information to the communication company server 1100 (1315), and the communication company server 1100. Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction processing information is confirmed (1315), the financial company server 1155 is the remitter wireless terminal 1197 through the information of the remitter wireless terminal (1197) included in the received financial transaction processing information. In operation 1320, the remitter wireless terminal 1197 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial institution server 1155. In step 1330, the financial institution server 1155 receives the financial transaction authentication information from the remitter wireless terminal 1 197 and checks the validity of the financial transaction between the wireless terminals (1330).

According to an embodiment of the present invention, the financial institution server 1155 is a wireless terminal corresponding to the information of the wireless terminal 1197 of the remitter in connection with a predetermined wireless server 1195, and the predetermined financial transaction authentication information (for example, an account password). A financial transaction authentication interface for inputting a financial transaction password, security card information, etc.) to be directly transmitted to the financial institution server 1155, and receiving the financial transaction authentication information from the remitter wireless terminal 1197. Thereafter, in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the corresponding financial transaction authentication information included in the ledger D / B are compared (or authenticated) to authenticate the financial transaction validity between the wireless terminals. desirable.

For example, the financial company server 1155 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 1197 through a predetermined wireless server 1119. When the wireless terminal transmits a wireless message, and the wireless terminal accesses through the callback UE, it provides a predetermined financial transaction authentication interface for inputting predetermined financial transaction authentication information to the financial terminal server 1155 and directly transmitting the predetermined financial transaction authentication information to the wireless terminal. After receiving the financial transaction authentication information from the remitter wireless terminal 1197, the financial transaction authentication information received from the wireless terminal in connection with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B It is preferable to authenticate (or authenticate) the financial transaction validity between the wireless terminals.

On the other hand, if the validity of the financial transaction between the wireless terminal is authenticated (1335), the financial company server 1155 generates the predetermined financial transaction error information and transmits to the communication company server 1100 (1315), the communication company server 1100 Repeat the process of receiving the financial transaction processing information from.

On the other hand, if the validity of the financial transaction between the wireless terminals is authenticated (1335), the financial institution server 1155 is a predetermined financial transaction preliminary full text for processing the financial transactions between the wireless terminals corresponding to the financial transaction processing information through the financial system Generate (1340).

Here, the preliminary financial transaction preamble is a preface that is capable of processing a financial transaction corresponding to the financial transaction processing information by the financial company, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

Thereafter, the financial company server 1155 transmits the generated financial transaction preliminary preamble to the communication company server 1100 through the communication means (1345), and then the financial preliminary preamble is predetermined from the communication company server 1100. When the financial transaction request is received in full, it is preferable that the financial transaction corresponding to the full financial transaction request is processed by the financial company server 1155.

14 is a diagram illustrating a financial transaction request full text processing process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

In detail, FIG. 14 illustrates a process of authenticating a financial transaction between a wireless terminal and generating a preliminary full text message in a financial company server 1155 on a wireless message-based wireless terminal-based financial transaction system shown in FIG. When transmitting to the communication company server 1100, after the financial transaction confirmation (or agreement) processing through the payee wireless terminal 1199 at the communication company server 1100, the preliminary financial transaction preamble is processed as a predetermined financial transaction request message. As a process for transmitting to the financial company server 1155, specifically, the financial transaction confirmation (or agreement) process is performed in association with the recipient wireless terminal 1199 information stored in the storage medium 1150. It is about the implementation method made through the transaction authentication information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer various implementation methods for the financial transaction request specialized processing process between the wireless message-based wireless terminals. The present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 14 so that the financial transaction confirmation (or agreement) process is confirmed by the receiver wireless terminal 1199. It would be possible to infer an implementation method comprising transmitting a message, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 14, the financial company server 1155 on the wireless message-based wireless terminal financial transaction system shown in FIG. 11 performs the financial transaction authentication and preliminary full text generation process between the wireless terminals shown in FIG. When transmitting to the communication company server 1100, the communication company server 1100 receives the preliminary full financial transaction from the financial company server 1155, and checks information on a predetermined recipient wireless terminal 1199 (1400).

In this case, the recipient wireless terminal 1199 information may be confirmed from the financial transaction request information received by the telecommunication company server 1100 during the financial transaction request process between the wireless terminals shown in FIG.

Subsequently, the telecommunication company server 1100 provides a predetermined financial transaction confirmation interface to the remitter wireless terminal 1197 through the payee wireless terminal 1199 information (1405), and correspondingly, the remitter wireless terminal 1197. Inputs predetermined financial transaction confirmation information (for example, information corresponding to the stored communication company-side financial transaction authentication information processed in association with the recipient wireless terminal 1199 information) to the storage medium 1150 through the financial transaction confirmation interface. (Or selects) and transmits the data to the telecommunication company server 1100 (1410), and the telecommunication company server 1100 receives the financial transaction confirmation information from the remitter wireless terminal 1 197 and the payee for the financial transaction between the wireless terminals. Confirmation (or consent) is confirmed (1415).

According to an embodiment of the present invention, the telecommunication company server 1100 is a wireless terminal corresponding to the recipient wireless terminal 1199 information, and the predetermined financial transaction confirmation information (for example, the recipient wireless terminal 1199 in the storage medium 1150). ) Provides a predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the information) to be transmitted to the telecommunication company server 1100, and receives the financial transaction confirmation information from the payee wireless terminal 1199. And confirming (or agreeing) a payee for the financial transaction between the wireless terminals by comparing (or authenticating) the financial transaction confirmation information received from the wireless terminal with the financial system in association with the financial system and storing the transaction authentication information of the payee side stored in the storage medium 1150. Is preferred.

For example, the telecommunication company server 1100 transmits a wireless message including a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 1199 information. When accessing through the callback UE, the wireless terminal inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 1199 information) to the storage medium 1150 and the communication company server ( 1100, a predetermined financial transaction confirmation interface for transmitting the information, and after receiving the financial transaction confirmation information from the payee wireless terminal 1199, the financial transaction confirmation information received from the wireless terminal in association with the financial system. And compare (or authenticate) the recipient side transaction authentication information stored in the storage medium 1150 to the financial transaction between the wireless terminals. It is desirable to process one recipient confirmation (or consent).

If the validity of the financial transaction confirmation information is authenticated (1420), the communication company server 1100 generates predetermined financial transaction error information and transmits the generated financial transaction error information to the payee wireless terminal 1199 (1425), and the communication company server 1100. Repeat the process of receiving the financial transaction processing information from.

If the validity of the financial transaction confirmation information is authenticated (1420), the telecommunication company server 1100 transmits the preliminary full financial transaction received from the financial company server 1155 in the process of requesting financial transactions between the wireless terminals shown in FIG. 12. Conversion to the financial transaction request message corresponding to the financial transaction request information received by the communication company server 1100 (1430), and transmits the financial transaction request message to the financial company server 1155 through the communication means (1435) ).

15 is a diagram illustrating a financial transaction processing process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

In more detail, FIG. 15 illustrates the financial company server through a specialized processing process for requesting financial transaction between wireless terminals shown in FIG. 14 in a communication company server 1100 on the wireless message-based wireless terminal financial transaction system shown in FIG. When the predetermined financial transaction request message is transmitted to 1155, the financial company server 1155 is a process for processing a financial transaction between wireless terminals corresponding to the financial transaction request message, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 15 to infer various implementation methods for the financial transaction processing process between the wireless message-based wireless terminals, but the present invention includes all the implementation methods inferred. The technical features of the present invention are not limited only to the implementation method shown in FIG.

Referring to FIG. 15, the financial institution server 1155 performs a specialized transaction processing request for financial transactions between wireless terminals shown in FIG. 14 in a communication company server 1100 on the wireless message-based wireless terminal financial transaction system shown in FIG. 11. When the predetermined financial transaction request message is transmitted, the financial company server 1155 receives the financial transaction request message from the telecommunication company server 1100 through the communication means, and confirms the validity of the financial transaction request message. (1500).

Here, the validity of the financial transaction request telegram is the financial transaction request telegram received from the telecommunication company server 1100 through the financial transaction authentication and preliminary telegram generation process between wireless terminals shown in FIG. It is preferable to include a check whether the match with the preliminary financial transaction sent to the communication company server 1100 in 1155.

If the validity of the financial transaction request message is not confirmed (1505), the financial company server 1155 generates the financial transaction request message error information and transmits the error information to the communication company server 1100 (1510). The process of receiving the full text of the financial transaction request from the server 1100 is repeated.

On the other hand, if the validity of the financial transaction request message is confirmed (1505), the financial institution server 1155 may correspond to the financial transaction request message in association with a financial system in which a remitter financial account included in the financial transaction request message is opened. The financial transaction between the wireless terminals is handled (1515).

In this case, the financial transaction between the wireless terminals preferably comprises an account transfer service between the financial accounts associated with the wireless terminal information.

When the financial transaction between the wireless terminals is processed (1520), the financial company server 1155 generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information (1525). The financial transaction response message including the financial transaction processing details is transmitted to the communication company server 1100 through the communication means (1530), and correspondingly, the communication company server 1100 includes a predetermined information including the financial transaction processing history. A financial transaction processing message is generated (1535), and the generated financial transaction processing message is transmitted to the remitter's wireless terminal 1197 and the recipient's wireless terminal 1199 (1540).

According to the present invention, based on the wireless terminal information and the financial account information stored in a predetermined storage medium, a communication company that provides a financial transaction between the wireless terminal that is linked with the ledger in real time in conjunction with a predetermined financial company opened the financial account There is an advantage.

According to the present invention, based on wireless terminal information and financial account information stored in a predetermined storage medium, the communication company provides a financial transaction between the wireless terminal in real time linked with the ledger linked to the financial company opened the financial account, the carrier customer There is an advantage of attracting new customers to the financial company.

Claims (6)

Storing the predetermined wireless terminal information and the financial account information in a predetermined storage medium in a predetermined information storage means; In a financial transaction between the wireless terminals using the wireless terminal information, the predetermined receiver wireless terminal information and the transaction amount information are distinguished from the predetermined remitter wireless terminal by a predetermined identifier included in the message information of the wireless message. Receiving by; The remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information are identified from the message information in a predetermined information checking means, and the remitter associated with the remitter wireless terminal information in association with the storage medium (or storage medium operating means). Confirming payee financial account information associated with the financial account information and the payee wireless terminal information; Transmitting, by a predetermined information transmitting means, the remitter financial account information, the remittee financial account information, and the transaction amount information to a financial company server on which the remitter financial account is opened; Receiving a financial transaction preliminary full text including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the financial institution server in a predetermined message receiving means; Confirming a recipient agreement for the financial transaction in association with a wireless terminal corresponding to the recipient wireless terminal information in a predetermined financial transaction checking means; And upon confirmation of the recipient's consent, transmitting the preliminary full text of the financial transaction to the financial transaction request message from the predetermined text transmission means to the financial company server. Way. Storing the predetermined wireless terminal information and the financial account information in a predetermined storage medium in a predetermined information storage means; Receiving, by a predetermined information receiving means, a predetermined recipient wireless terminal information and a transaction amount information through a wireless Internet from a predetermined remitter wireless terminal in a financial transaction between the wireless terminals using the wireless terminal information; Identifying remitter financial account information associated with the remitter wireless terminal information and payee financial account information associated with the remittee wireless terminal information in connection with the storage medium (or storage medium operating means) in a predetermined information checking means; Transmitting, by a predetermined information transmitting means, the remitter financial account information, the remittee financial account information, and the transaction amount information to a financial company server on which the remitter financial account is opened; Receiving a financial transaction preliminary full text including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the financial company server in a predetermined specialized receiving means; Confirming a recipient agreement for the financial transaction in association with a wireless terminal corresponding to the recipient wireless terminal information in a predetermined financial transaction checking means; And upon confirmation of the recipient's consent, transmitting the preliminary full text of the financial transaction to the financial transaction request message from the predetermined text transmission means to the financial company server. Way. The method according to claim 1 or 2, wherein the information transmitting means transmits the remitter financial account information, the remittee financial account information, and the transaction amount information to the financial company server on which the remitter financial account is opened. Authenticating the validity of the financial transaction in association with a wireless terminal corresponding to the remitter wireless terminal information at the financial company server; And And generating a preliminary financial transaction text including the remitter financial account information, the remittee financial account information, and the transaction amount information in the financial company server. The method of claim 1 or 2, wherein the transmitting the preliminary full text of the financial transaction to the financial transaction request message is transmitted to the financial institution server by the full text transmission means. And confirming whether the financial transaction preamble and the financial transaction request telegram are matched at the financial institution server. A recording medium comprising a program for executing the method of claim 1 or 2. When receiving a financial transaction between the wireless terminals using the wireless terminal information, the message receiving means for receiving the predetermined recipient wireless terminal information and transaction amount information from the predetermined remitter wireless terminal through a predetermined identifier included in the message information of the wireless message ; The sender checks the sender's wireless terminal information, the receiver's wireless terminal information, and the transaction amount information from the message information, and connects the predetermined wireless terminal information and the financial account information to the storage medium (or storage medium operating means) in association with the remitter. Information checking means for confirming remitter financial account information associated with wireless terminal information and payee financial account information associated with the recipient wireless terminal information; Information transmitting means for transmitting the remitter financial account information, the remittee financial account information, and the transaction amount information to a financial company server in which the remitter financial account is opened; Specialized receiving means for receiving a financial transaction preliminary full text including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the financial company server; Financial transaction confirming means for confirming a recipient's consent for the financial transaction in association with a wireless terminal corresponding to the recipient wireless terminal information; And a specialized transmission means for transmitting the preliminary financial transaction preamble to the financial institution server upon confirmation of the recipient's consent, and transmitting the preliminary full financial transaction to the financial institution server.

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