KR100423388B1 - The banking service system using the mobile-phone - Google Patents

Abstract

PURPOSE: A banking transaction service system using a mobile communication terminal is provided to maximize users' convenience and minimize a network load of a communication network by installing a detachable IC card chip in a mobile phone and using a money transaction banking application. CONSTITUTION: A PDSN(Packet Data Serving Node)(30) provides a packet data transmission service between a RAN(Radio Access Network) consisting of a BTS(Base station Transceiver System) performing radio interface with a mobile communication terminal(10) and a BSC(base Station Controller)(20) providing a core network interface, and a DCN(Data Core Network). A banking server(40) is installed at each banks for interworking with a mobile system including the mobile communication terminal(10), the BTS/BSC(20) and the PDSN(30). The mobile communication terminal(10) and the banking server(40) are connected by using a TPC/IP protocol. An IC chip(11) is detachably installed in the mobile communication terminal(10) and can be accessible to its internal information by a PIN(Personal Identification Number) authentication.

Description

The banking service system using the mobile-phone}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial transaction service system using a mobile communication terminal. More specifically, the present invention relates to a financial transaction service system in which a mobile phone is provided with a detachable IC card chip storing PIN information, financial account information, and the like. By using the transaction banking application, while maximizing user convenience during financial transactions such as mobile financial account inquiry service, transfer / transfer service, loan / payment, etc., minimize network load (N / W) of the communication network, and The present invention relates to a financial transaction service system using a mobile communication terminal that enhances security of financial information.

Recently, as the performance of mobile communication terminals and networks is improved, various services using mobile communication terminals such as mobile phones and PDAs have been provided. In particular, by providing a variety of mobile banking services on the mobile terminal, users can conveniently access financial services such as financial account inquiry, transfer / remittance and payment, loan payment inquiry and payment anytime, anywhere without visiting the bank directly It became.

Conventional banking services, such as mobile banking account reference service, mobile transfer / remittance service and mobile loan status inquiry / interest payment service is generally WAP-based wireless Internet method, mobile communication Run WAP browser on the terminal to access the URL of the banking server, enter the ID and password of the Internet banking user to authenticate, check the status of financial accounts, transfer / transfer and loan accounts, and pay the interest To deal with financial services.

Such a conventional mobile banking service system is a simple Internet service changed from a wired Internet service to a WAP-based wireless Internet service, and a mobile communication terminal cannot provide a wide screen, an easy input method, and a storage capacity such as a PC computer. There was a lot of inconvenience in use.

In addition, since the ID, password, and account number must be input on the mobile terminal every time the banking service is used, it is cumbersome to use and moves data related to personal information due to the weak security of the mobile terminal. It was almost impossible to store and use in the memory of the communication terminal.

Once the mobile communication terminal and the banking server are connected, a series of processes such as account number input and customer authentication, transaction history inquiry, loan account status inquiry, and interest payment processing are performed while a session is continued. In order to deal with this problem, there is a problem that not only increases the communication cost of the user but also increases the network load of the communication network.

The present invention is to solve the above-mentioned problems, the object of the present invention is a complex user input when using a mobile financial transaction, such as mobile financial account inquiry service, mobile transfer / remittance service and mobile loan status inquiry and interest payment service Another object of the present invention is to reduce the connection time between the mobile communication terminal and the banking server when using the mobile banking service, and to reduce the network load of the communication network. To provide a financial transaction service system using a mobile communication terminal to minimize the.

Furthermore, another object of the present invention is to provide a financial transaction service system using a mobile communication terminal that enhances security of data and financial information when using a mobile banking service.

1 is a schematic configuration diagram of a financial transaction service system using a mobile communication terminal according to the present invention;

2 is a hierarchical structure diagram of a software (S / W) configuration of a mobile communication terminal according to the present invention;

3 is a flow chart for a mobile financial account inquiry service according to a first embodiment of the present invention;

4 is a diagram illustrating a user interface according to a mobile financial account inquiry service of the present invention;

5 is a procedure for the mobile transfer / transfer process according to a second embodiment of the present invention,

6 illustrates a user interface of a mobile transfer / transfer service according to the present invention;

7 is a procedure for the mobile loan status and interest inquiry process according to a third embodiment of the present invention,

8 is a procedure for the interest payment process after the mobile loan status inquiry according to the present invention.

Explanation of symbols on the main parts of the drawings

10: Mobile communication terminal 11: IC card chip

12: Banking Application 13: IC Card API

14: Java VM 15: System Software (S / W)

16: IC card driver 20: BTS / BSC

30: PDSN 40: Banking Server.

In order to achieve the above object, the present invention is a financial transaction service system for processing various financial transactions, mobile financial account inquiry, mobile by IC card chip and mobile banking that stores PIN information and financial information related to the financial account, etc. A mobile communication terminal having a built-in storage device for storing a banking application for processing financial transactions such as transfer / transfer, mobile loan, and interest payment; A BSC that performs a radio interface with the mobile communication terminal and a BSC that performs call processing and provides the BTS and a core network interface; PDSN providing a packet data transmission service using a TCP / IP protocol, and a banking server providing processing and response information thereto when a financial transaction processing is requested from a banking application of the mobile communication terminal. And the banking server uses an E2E (End to End) or WPKI (Wireless Public Key Infrastructure) encryption technique to secure data and financial information, and when a key signal related to a financial transaction is input on the mobile communication terminal, After the banking application embedded in the mobile communication terminal is executed and the PIN information for logging in to the IC card chip is input, the authentication is executed on the mobile communication terminal, and the financial account stored in the IC card chip is displayed and selected. Comprising a financial transaction request message using a variety of information about the selected financial account When transmitted to the banking server, in the banking server and the processing result after processing a financial transaction in response to the financial transaction request message, wherein the display through the display and transmits it to the mobile terminal. In addition, the mobile communication terminal of the present invention is a communication device such as a mobile phone, a smart phone, a PDA, etc., and has a hierarchical structure of embedded software (S / W), and includes an IC card driver for managing data of the IC card chip. The system software (S / W) for managing the basic functions of the mobile communication terminal as a substructure, and the banking application and the IC card API on the Java VM (Intermediate Code) to execute the banking application It has a superstructure. Next, the IC card chip of the present invention is detachable to the mobile communication terminal, and after logging in through PIN information authentication, changes the relevant information of the financial accounts stored in the IC card chip or new financial account information. It is characterized by adding the. In addition, the IC card chip is a financial account information, and stores the account number and account password, the corresponding financial company code, account type, customer information for each financial account of the user, and the financial account information stored in the IC card chip and Characterized in that the account information reset function that can match the financial account information managed by the banking server. And, the PIN information embedded in the IC card chip, by operating the IC card chip by providing a short message (SMS) to the mobile communication terminal of the user with the IC card chip mounted on the mobile communication terminal It is characterized in that the input of the PIN information is enabled. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 is a schematic configuration diagram of a financial transaction service system according to the present invention.   Referring to FIG. 1, the financial transaction service system of the present invention is largely a mobile communication terminal 10 of a user, a base station transceiver system (BTS) / base station controller (BSC) 20, and a packet data switching network (PDSN). 30 and the banking server 40 is installed in each financial company. The PDSN 30 includes a BTS 20 performing a radio interface with the mobile communication terminal 10 and a BSC 20 performing call processing and providing the BTS and a core network interface. It provides packet data transmission service using PPP and TCP / IP protocol between (Data Core Network).  That is, the financial transaction service of the present invention is serviced based on the TCP / IP protocol. The banking server 40 is a server installed for each financial company to interoperate with the mobile system including the mobile communication terminal 10, BTS / BSC 20 and PDSN (30).  In addition, the banking server 40 receives the account inquiry request message, transfer / remittance related request message, loan status inquiry / interest payment related request message transmitted from the mobile communication terminal 10 through the PDSN (30), After going through a predetermined customer authentication process, it processes various messages received in connection with the host server installed in each financial institution, and the result and the related data through the PDSN 30 and the BTS / BSC 20 through the mobile communication terminal 10 To send). As such, the mobile communication terminal 10 and the banking server 40 are connected by using the TPC / IP protocol, and the transmission and reception of various data or information therebetween is performed such as the BTS / BSC 20 and the PDSN 30. Wireless TCP / IP communication using wireless data network is used. Meanwhile, as the mobile communication terminal 10, a terminal such as a mobile phone, a smart phone, a PDA, and the like provided with all hardware devices for wireless data communication is used.  In addition, the mobile communication terminal 10 includes a removable IC card chip 11, and general software (S / W) for mobile financial account inquiry, mobile transfer / remittance, mobile loan status inquiry and interest payment, etc. A storage device to be mounted is provided. The IC card chip 11 can be attached to or detached from the mobile communication terminal 10, and built therein by PIN (Personal Identification Number) authentication for inputting PIN information, which is a password of the IC card chip 11, to confirm a match. Information is accessible, and PIN information, financial account information and customer information of users and others are stored.  In addition, the IC card chip 11 includes an account number and a password, a corresponding financial company code, and an account type (for example, ordinary deposit, savings deposit, periodic deposit, housing fund loan, etc.) for each financial account or each loan account. Related information of is matched and stored. The built-in information stored in the IC card chip 11 is set at the time of issuance of the IC card chip 11 at a bank of a financial company such as a bank, and the user may use PIN information stored in the IC card chip 11 and a mobile communication terminal ( 10) After logging in to the IC card chip 11 through the PIN authentication to confirm whether the PIN information input on the match, change or add a financial account (account number, password, etc.) on the mobile communication terminal (10). Can be. In addition, the IC card chip 11 has an account information resetting function so that the account information stored in the IC card chip 11 and the account information managed by the banking server 40 can match each other.  This account information reset, it is preferable to reset through the reset key button provided on the mobile communication terminal (10). In addition, when a user applies for the IC card chip 11 through a postal service or the like without visiting a financial company window such as a bank, a financial company such as a bank cannot use the IC card chip 11 without setting PIN information. Send to user.  Subsequently, when the user receives the IC card chip 11 and informs the financial institution of the receipt, the short message service (SMS: Short Message Service) is sent to the mobile communication terminal 10 of the user equipped with the IC card chip 11. By operating the IC card chip 11 in a state where PIN information can be set, the user can prevent misuse due to loss or theft when the IC card chip 11 is delivered. The IC card chip 11 can be issued without visiting directly.  That is, the short message includes a setting control message of the PIN information, which is transmitted to the mobile communication terminal 10, and the setting control message of the PIN information transmitted to the mobile communication terminal 10 is transmitted to the mobile communication terminal 10. Call the built-in IC card API (see Figure 2).  Afterwards, the JAVA VM transmits the data of the IC card API to the IC card driver through the system software (S / W).  The setting control message then operates the IC card chip 11 to enable setting of PIN information. In addition, the IC card chip 11 may be managed by a user's choice as a part of the financial account of the person or another person as a 'favorable deposit account' for the convenience of remittance / transfer along with the account holder information. have. The IC card chip 11 can not only access the information embedded in the IC card chip 11 through PIN authentication, but also use it in combination with the mobile communication terminal 10 if necessary. Because it can be stored separately, it is possible to provide user convenience when inputting financial account related information, and secure the security of the data. In addition, the mobile communication terminal 10 and the banking server 40 may basically use E2E (End to End) and WPKI (Wireless Public Key Infrastructure) encryption techniques for security of data and financial information in a mobile environment. FIG. 2 shows a hierarchical structure for the configuration of software (S / W) mounted in the storage device of the mobile communication terminal 10. As shown in FIG. Referring to FIG. 2, the configuration of the software (S / W) mounted in the storage device of the mobile communication terminal 10 includes an IC card driver 16 for managing data of the IC card chip 11, and mobile communication. The banking application 12 has a system software (S / W) 15 for managing the basic functions of the terminal 10 as a substructure, on a Java Virtual Machine (MIDP MMDP) 14, The IC card Application Programming Interface (API) 13 has a higher structure. The banking application 12 is a process software (S / W) program for performing a corresponding task, such as mobile financial account inquiry, mobile transfer / remittance, mobile loan / payment. The Java VM 14 is an intermediate code defined such that the banking application 12 (mobile banking application) can be executed by a virtual machine regardless of OS or platform. The banking application 12 is a software (S / W) program having a series of processes for querying a mobile financial account, and receives data and a selection command or outputs an inquiry result through a mobile communication terminal 10, Data transmission and reception with the IC card chip 11 and the banking server 40 are handled. The banking application 12 and the IC card API 13 may be upgraded independently of the substructure by using a function of the Java VM 14, and may be upgraded through a wireless network. S / W) can be downloaded and upgraded. Meanwhile, the process of accessing the IC card chip 11 in the banking application 12 will be described below. First, in order to read the PIN information and the financial account information embedded in the IC card chip 11, the IC card API 13 is called from the banking application 12, and a Java VM 14 is provided. Transfers the data of the IC card API 13 to the IC card driver 16 via the system software (S / W) 15 and reads the corresponding information.  Subsequently, the IC card driver 16 drives the IC card chip 11 to read the corresponding information. In addition, the banking application 12 processes the information read from the IC card chip 11 and displays it on the display window of the mobile communication terminal 10, the mobile bank account inquiry to the banking server 40, mobile transfer / remittance In addition, the mobile loan account inquiry and interest payment information will be requested. Hereinafter, each embodiment of the financial transaction service of the present invention, for example, mobile financial account inquiry, mobile transfer / transfer, mobile loan account inquiry and interest payment will be described with reference to the drawings. For the banking application 12, its name will be described differently according to the corresponding task of each embodiment described later.  For example, it is divided into an account inquiry application, a transfer / transfer application, a loan / payment application, and the same code. 3 is a diagram showing a procedure for a mobile financial account inquiry service according to the first embodiment of the present invention, wherein the IC card chip 11, the mobile communication terminal 10 and the banking server ( 40 illustrates the progress of the mobile financial account inquiry service by interworking. Referring to FIG. 3, in order to use the mobile financial account inquiry service according to the first embodiment, a user may use a dedicated mobile banking (M / B) key installed on the mobile communication terminal 10 as illustrated in FIG. 4. After the electronic bank account service is selected through the menu item (S301), an account inquiry service item is selected from the services of the electronic bank account (S302). When an account inquiry service item is selected among the services of the electronic bank account, according to the key input signal, the banking application 12 displays an input screen of PIN information on the display window of the mobile communication terminal 10, and then When the PIN information is input, the banking application 12 accesses the IC card chip 11, reads the embedded PIN information, and performs PIN authentication by comparing with the input PIN information (S303). . When the PIN information which is the password of the IC card chip input through the mobile communication terminal 10 and the PIN information stored in the IC card chip 11 coincide and log in to the IC card chip 11, the banking application 12 ) Outputs all the financial accounts of the user stored in the IC card chip 11 to the display window of the mobile communication terminal 10, and the user checks the financial account type and outputs all the general financial account lists except the loan account. (S304). Thereafter, the user selects a financial account to be inquired from the list of financial accounts displayed on the display window of the mobile communication terminal 10 and requests an inquiry (S305). In the banking application 12, the financial account selected by the user is selected. Information (ie, account number and password, financial company code, customer information, etc.) is verified through the IC card chip 11, and an account inquiry request message including this information is constructed. Then, the socket is connected to the banking server 40 through the BTS / BSC 20 and the PDSN 30 to configure a data transmission line (S306), and the configured account inquiry request message is requested. By transmitting the information on the recent transaction history for the financial account is requested (S307).  In this case, the user may receive the request starting date and ending date from the user. Accordingly, the banking server 40 undergoes a predetermined authentication process through an account number, a password, and customer information transmitted from the mobile communication terminal 10, and if the account is authenticated, a recent or corresponding inquiry period from the host server. Extract the transaction history information for, and configure a transaction response message (response) message including this to transmit to the mobile communication terminal 10 (S308). Through such a process, when the mobile communication terminal 10 normally receives transaction information about the financial account inquiry, the mobile communication terminal 10 releases the data transmission line between the mobile communication terminal 10 and the banking server 40 (S309). In addition, the banking application 12 displays information on transaction details and balances of the financial account on a display window of the mobile communication terminal 10 (S310). As described above, the present invention can facilitate user's convenience because it is processed by item selection and automatic input without separately inputting an account number, password, customer information, etc., and a series of processes such as account selection are performed in the mobile communication terminal. Since the account inquiry process is performed after accessing the banking server, the connection time with the banking server and the network load of the communication network can be reduced. 4 is a diagram sequentially showing an interface screen according to the first embodiment displayed on the display window of the user's mobile communication terminal 10 by driving the banking application 12. 4, the user activates the electronic banking service by clicking the M / B dedicated key installed on the mobile communication terminal 10 to perform the banking business, the account inquiry service (deposit inquiry) of the electronic banking service / Transfer). The input screen of the PIN information for starting the account inquiry service is displayed on the display window of the mobile communication terminal 10, and after the authentication process for the PIN information input on the mobile communication terminal 10, the IC card chip ( 11) Extract and display the list of user's deposit accounts. When the user selects an account to be inquired from the deposit account list displayed on the display window of the mobile communication terminal 10 and requests an inquiry thereof, the mobile communication terminal 10 constructs a request message with related information of the selected account. The banking server 40 transmits the data to the banking server 40, and receives the inquiry result data to display the transaction details for each day. (Second Embodiment) Fig. 5 is a flowchart of a mobile transfer / transfer service according to a second embodiment of the present invention.  5 illustrates a process of processing a transfer / transfer service by interworking between the IC card chip 11, the mobile communication terminal 10, and the banking server 40. Referring to FIG. 5, the user selects an electronic banking service through a M / B (Mobile Banking) dedicated key or a menu item installed on the mobile terminal 10 as shown in FIG. 6 to receive a mobile transfer / transfer service. Select transfer / remittance service item among services of electronic bank account. Accordingly, the transfer / transfer application 12 (mobile banking application) outputs an input screen of PIN information on a display window of the mobile communication terminal 10, and when the user inputs PIN information, the mobile communication terminal 10 After accessing the IC card chip 11 coupled to read the embedded PIN information, it compares with the input PIN information and authenticates the access to the stored data of the IC card chip 11. When the PIN information is matched and logged into the IC card chip 11, the transfer / remittance application 12 displays all the financial accounts of the user embedded in the IC card chip 11 on the display window of the mobile communication terminal 10. When a key signal related to transfer / transfer is input by the user's selection, the general financial account list except for the loan account is outputted, and the user selects a withdrawal account from the displayed financial account list to transfer / remit You can receive services related to. Thereafter, the transfer / remittance application 12 displays the deposit account input screen on the display window of the mobile communication terminal 10, so that the user can receive the account number and financial company information of the deposit account.  In this case, the user may select and input the search account without directly inputting the information of the deposit account.  That is, when a user selects a deposit account search item, the transfer / transfer application 12 approaches the IC card chip 11 and outputs a list of all financial accounts classified as 'favorite deposit accounts' and their account holder information. The user selects one of them as a deposit account. In addition, the transfer / remittance application 12 receives the password and the transfer amount information for the withdrawal account selected by the user.  At this time, although the password is stored in the IC card chip 11, it is preferable to check again for security due to the withdrawal of the account. When the input and selection process is completed and the user requests the transfer / transfer, the transfer / transfer application 12 connects to the financial company banking server 40 of the withdrawal account and connects the socket to the data transmission line. Configure. And, the transfer / remittance application 12 writes a preliminary transfer request (request) message with the withdrawal account and deposit account-related information and transfer / remittance amount information, and the withdrawal account financial company through the data transmission line The banking server 40 requests a transfer preliminary transaction. Upon receiving a normal response message from the banking server 40 according to the preliminary transaction, the transfer / remittance application 12 requests the user to input a security card password. That is, the transfer / transfer application 12 receives one of the random numbers 1 to 35 generated as the security card number from the banking server 40 and outputs it to the mobile communication terminal 10, and the user checks the security card. The security card password corresponding to the number is input on the mobile communication terminal 10. Accordingly, the transfer / transfer application 12 forms a transfer main transaction request message with the transaction details and the security card information, and requests the main transfer transaction to the banking server 40. When the banking server 40 authenticates the security card, processes the transfer transaction, and transmits the transfer main transaction response message normally, between the mobile communication terminal 10 and the banking server 40. The data transmission line is released, and the transfer / transfer application 12 displays the processing result according to the transfer main transaction on the display window of the mobile communication terminal 10. In this way, if the transfer main transaction is successfully made, the user can register the transfer deposit account as a 'favorite deposit account', and this information is stored in the IC card chip 11. In this way, the relevant information of the deposit / withdrawal account is processed by item selection and automatic input, without separately inputting, so that the user's convenience can be achieved.  In addition, since a series of processes such as input / output accounts for money transfer and input of an amount of money are performed on the mobile communication terminal 10 through the IC card chip 11, the banking server 40 is connected to the banking server 40. Connection time and network load of the communication network can be reduced. 6 is a diagram sequentially showing an interface screen according to the second embodiment displayed to the user by the transfer / transfer application 12. Referring to FIG. 6, a user first activates an electronic bank account service by clicking an M / B dedicated key installed on the mobile communication terminal 10, and selects a transfer / transfer service (deposit inquiry / transfer) among the electronic bank service. . Accordingly, the input screen of the PIN information is displayed on the display window of the mobile communication terminal 10, when the PIN authentication for the IC card chip 11, the user's deposit account list stored in the IC card chip 11 is extracted The withdrawal account list is displayed on the display window of the mobile communication terminal 10. In addition, the user can print out the deposit account input screen or print the account holder list of each account through the account search menu, select the deposit account, and output the account password and transfer amount input screen (not shown). Display on the display window of the mobile communication terminal 10 so that you can input. When the deposit / withdrawal account is selected and the transfer amount is input, the network connection and data transmission between the mobile communication terminal 10 and the banking server 40 are made, and the mobile communication terminal 10 is a banking server 40. Receives the transfer / transfer process result and outputs it to the display window of the user's mobile communication terminal 10. (Third Embodiment) FIG. 7 is a flowchart illustrating a mobile loan status and an interest inquiry process according to a third embodiment of the present invention. FIG. 7 illustrates a process of inquiring the current status and interest of a user loan account by interworking between the IC card chip 11, the mobile communication terminal 10, and the banking server 40. Referring to FIG. 7, the user selects an electronic bank account service through a M / B (Mobile Banking) dedicated key or a menu item installed on the mobile communication terminal 10, and selects a loan inquiry / payment item among services of the electronic bank account. Choose. Accordingly, the loan / payment application 12 (banking application) outputs an input screen of PIN information on the display window of the mobile communication terminal 10, accesses the IC card chip 11, and displays the embedded PIN information. After reading, the PIN information input by the user is compared with the stored PIN information to perform PIN authentication for access to the data of the IC card chip 11. When the PIN information is matched and logged into the IC card chip 11, the loan / payment application 12 displays the loan account list of the user embedded in the IC card chip 11 on the display window of the mobile communication terminal 10. Mark on. The user requests an inquiry by selecting a corresponding account to be queried from the loan account list displayed on the display window of the mobile communication terminal 10, and the loan / payment application 12 is the financial company banking server 40 of the selected loan account. The data transmission line is configured by connecting with socket. Subsequently, the loan / payment application 12 creates a transaction history inquiry request message with the loan account number and password, and requests a loan transaction history inquiry to the banking server 40 through the data transmission line. . Accordingly, the banking server 40 checks the recent transaction history data of the corresponding loan account in conjunction with the host server after the predetermined customer authentication process, constructs a loan transaction history response message, and configures the mobile communication terminal. Transmit to (10). As such, when the loan transaction history of the loan account is normally received, the data transmission line between the mobile communication terminal 10 and the banking server 40 is released, and the loan / payment application 12 transmits the inquiry result to the mobile communication terminal. It is displayed on the display window of (10). At this time, the output of the inquiry result shows the corresponding account number, the loan amount, the date of processing, the repayment amount, and the interest amount as the loan payment history, and the user selects the interest inquiry item after inquiring the loan status. When the mobile communication terminal 10 has data access again with the banking server 40, the banking server 10 configures a loan interest inquiry request message with an account number, an account password, an inquiry period, and the like of the loan account. 40). The banking server 40 checks loan interest related data of the corresponding loan account, composes a loan interest inquiry response message, and transmits it to the terminal 10. As such, if the loan interest inquiry response message is normally received, the data transmission line between the mobile communication terminal 10 and the banking server 40 is released, and the loan / payment application 12 checks the received message. The loan interest information of the corresponding account is displayed on the display window of the mobile communication terminal 10.  At this time, the output contents of the inquiry results include account number, loan balance, repayment amount, loan interest calculation start date, loan interest calculation end date, loan interest and overdue interest. 8 is a flowchart illustrating a process of inquiring the current term of the user's loan account in the mobile communication terminal 10 and the banking server 40 and paying the interest. 8, the process of inquiring and outputting the status of a specific loan account by selecting an electronic bank account and a loan / payment item is as described with reference to FIG. 7. In this way, after inquiring a specific loan account on the mobile communication terminal 10, if a payment item is selected and clicked by the user to pay the interest, the loan / payment application 12 is the IC card chip 11 Approach and display a list of withdrawal accounts of the user's general deposit accounts (except loan accounts) on the display window of the mobile communication terminal (10). In this case, the user selects a corresponding account from the list of withdrawal accounts displayed on the display window of the mobile communication terminal 10 and inputs the account password. The withdrawal account may be selected as an account stored in the IC card chip 11. In addition, the user may input directly. The loan / payment application 12 creates a loan interest payment preliminary transaction request message with loan account and payment information, withdrawal account and account password, withdrawal financial company information, and the banking server 40. After setting up the data transmission line, it requests a loan interest prepayment transaction. Thereafter, the banking server 40 forms a loan interest payment pre-response response message after passing through a predetermined customer authentication process in connection with the financial company of the withdrawal account and transmits the message to the mobile communication terminal 10. When the preliminary transaction information transmitted by the banking server 40 is displayed on the display window of the mobile communication terminal 10 and the final 'payment confirmation' is made by the user, the loan / payment application 12 requests the loan interest payment main transaction. (request) Write a message and send it to the banking server (40). The banking server 40 processes the loan interest payment main transaction for the loan account and the withdrawal account and transmits the response message to the mobile communication terminal 10. As such, when the main transaction response message is normally received, the loan / payment application 12 releases the data transmission line between the mobile communication terminal 10 and the banking server 40 and returns the processing result to the mobile communication terminal. Output to the display window of (10).

Meanwhile, the loan inquiry / interest payment process described above with reference to FIGS. 7 and 8 may be broadly classified into a current account inquiry process, an interest inquiry process, and an interest payment process, which may be independently performed or other processes. Can be performed continuously. That is, the user can select the loan account and withdrawal account and process the payment of the interest (or principal) immediately without inquiring about the account and interest, and also the payment process after checking the loan status and the interest history Can be performed.

As described above, according to the present invention by using a banking application running on a removable IC card chip and Java VM (Java VM), by omitting the process of entering the account number, ID and Password every time during mobile banking, In addition, since the mobile banking or various authentications are performed before the mobile terminal and the banking server are connected, the banking server is connected to the banking server, thereby minimizing the connection time with the banking server. In addition, it can reduce the communication cost of the network and minimize the network load of the communication network.In addition, the security of data transmission in the mobile environment can be enhanced through PIN authentication and other security modules for the removable IC card chip. The invention made by the present inventors is specifically described based on the embodiments. However, the invention is not limited to the above embodiment, needless to say various modifications is possible within the scope without departing from the gist thereof.

Claims (7)

In the financial transaction service system for processing various financial transactions, A storage device that stores banking applications that process financial transactions such as mobile financial account inquiry, mobile transfer / transfer, mobile loan and interest payment by IC card chip and mobile banking that stores PIN information and financial information related to financial account. A mobile communication terminal embedded therein for transmitting and receiving data wirelessly; A BSC that performs a radio interface with the mobile communication terminal and a BSC that performs call processing and provides the BTS and a core network interface; PDSN providing a packet data transmission service using a TCP / IP protocol; And When the banking application is requested from the banking application of the mobile communication terminal, the banking server for providing the processing and response information therefor, The mobile communication terminal and the banking server use an E2E (End to End) or WPKI (Wireless Public Key Infrastructure) encryption method for the security of data and financial information. When a key signal related to a financial transaction is input on the mobile communication terminal, PIN information for logging into the IC card chip is executed by executing a banking application embedded in the mobile communication terminal, and authentication is performed on the mobile communication terminal. After the financial account stored in the IC card chip is displayed and selected, a financial transaction request message is constructed using various information on the selected financial account, and then transmitted to the banking server. Financial transaction service system using a mobile communication terminal characterized in that after processing the financial transaction in accordance with the request message and transmits the processing result to the mobile communication terminal to display through the display window. The method of claim 1, The mobile communication terminal is a communication device such as a mobile phone, a smart phone, a PDA, etc., and is a hierarchical structure of software (S / W) embedded therein, and the IC card driver and the mobile communication terminal for managing data of the IC card chip. Has a system software (S / W) that manages the basic functions of the substructure, and has the banking application and the IC card API as an upper structure on a Java VM which is an intermediate code for executing the banking application. Financial transaction service system using a mobile communication terminal, characterized in that. The method according to claim 1 or 2, The IC card chip is a financial transaction service system using a mobile communication terminal, characterized in that detachable to the mobile communication terminal. The method according to claim 1 or 2, After the IC card chip is logged in through PIN information authentication, a financial transaction service using a mobile communication terminal, characterized in that it changes related information of financial accounts stored in the IC card chip or adds new financial account information. system. The method according to claim 1 or 2, The IC card chip, as financial account information, stores the account number and the account password, the financial company code, the account type, and the customer information for each financial account of the user. system. The method according to claim 1 or 2, The IC card chip has a financial information service system using a mobile communication terminal, characterized in that the account information reset function that can match the financial account information stored in the IC card chip and the financial account information managed by the banking server. . The method according to claim 1 or 2, The PIN information embedded in the IC card chip may be used to operate the IC card chip by providing a short message (SMS) to a mobile communication terminal of a corresponding user while the IC card chip is mounted on the mobile communication terminal. A financial transaction service system using a mobile communication terminal, characterized in that input of PIN information is enabled. Financial transaction service system using a mobile communication terminal to the gong.