KR100423389B1 - The banking service method using the mobile-phone - Google Patents

Abstract

PURPOSE: A banking transaction service method 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 user selects an electronic bankbook service(S301) through a mobile communication terminal and selects an account inquiry service item(S302). When the user inputs PIN(Personal Identification Number) information, a banking application performs a PIN authentication(S303). The banking application outputs every banking account on a display window of the mobile terminal and the user outputs general banking account list(S304). When the user selects a banking account and requests its inquiry(S305), the banking application constructs an account inquiry request message. The banking application forms a data transmission line(S306), and transmits the account inquiry request message(S307). A banking server extracts transaction particulars information from a host server, constructs a transaction particulars response message, and transmits it to the mobile communication terminal(S308). When the mobile communication terminal normally receives the transaction particulars information, a data transmission line between the mobile communication terminal and the banking server is released(S309). The banking application displays the information on the transaction particulars and balance on the display window(S310).

Description

The banking service method using the mobile-phone}

The present invention relates to a financial transaction service method using a mobile communication terminal, and more particularly, a financial transaction provided with a removable IC card chip storing PIN information, financial account information, etc. in a mobile phone and running on a Java virtual machine. For banking applications and mobile banking for mobile services, mobile financial account inquiry service, transfer / remittance service and loan / payment to maximize the user's convenience while minimizing the network load of the network and security of data and financial information The present invention relates to a financial transaction service method using a mobile communication terminal that enhances gender.

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, since various mobile banking services are provided, a user can conveniently use financial services such as financial account inquiry, transfer remittance and payment, loan inquiry and payment, etc. anytime, anywhere without directly visiting a bank.

Conventional banking services such as mobile banking account reference service and mobile transfer / transfer service are generally WAP-based wireless Internet method, which operates the WAP browser on the terminal to the URL of the banking server. After accessing the Internet banking user's ID and password to authenticate, the account inquiry, transfer / remittance, and the status of the loan account, and to handle the financial services such as paying the interest.

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 communication terminal at every use of various banking services, it is cumbersome for the user, and data related to personal information can be stored due to the weak security of the mobile communication terminal. It was almost impossible to store and use the memory in the mobile 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 the session is continued. Therefore, there is a problem of increasing the network load as well as the burden of the user's call charges.

The present invention is to solve the above-mentioned conventional problems, an object of the present invention is to provide a complex user input when using mobile banking, such as mobile account inquiry service, mobile transfer / remittance service and mobile loan status inquiry and its interest payment service, etc. Provides a financial transaction service method using a mobile communication terminal that enhances the security of data transmission and financial information while minimizing the connection time between the mobile communication terminal and the banking server and the network load by improving the network access process. It is.

1 is a schematic configuration diagram of a system required to implement a financial transaction service method 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 flowchart illustrating a financial account inquiry service according to the first embodiment of the present invention;

4 is a view showing a user interface screen according to the 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 is a view showing a user interface screen according to the mobile transfer / remittance service of 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 provides a mobile communication terminal that performs a financial transaction with the banking server of the bank using a mobile communication terminal detachably embedded IC card chip for storing PIN information and the user's financial account related information. In the financial transaction service method used, the electronic banking service is selected through a M / B (Mobile Banking) dedicated key or a menu item installed on the mobile communication terminal, and then, any one of the electronic banking services is selected. Selecting a financial transaction; A PIN authentication step of authenticating access on the data stored in the IC card chip on the mobile communication terminal by comparing the PIN information input from the mobile communication terminal with the PIN information stored in the IC card chip; A financial information display step of displaying all financial account information of the user stored in the IC card chip on the display window of the mobile communication terminal when the PIN card is logged into the IC card chip; When the financial account selection signal is input from the mobile communication terminal, the financial information is transmitted to the banking server after constructing a financial transaction request message using the related information of the selected financial account through the banking application built in the mobile communication terminal. A transmitting step; A financial information response step of transmitting a financial transaction response message to the mobile communication terminal after a predetermined customer authentication process for the financial transaction and the financial account in the banking server; And a transaction history displaying step of receiving a financial transaction response message transmitted from the banking server and displaying the resultant transaction on a display window of the mobile communication terminal, wherein the mobile communication terminal and the banking server are provided in a mobile environment. It uses E2E and WPKI cryptography to secure data and financial information. In addition, the present invention includes an update step of updating the information of a newly opened account or a modified / canceled account at the bank window to the IC card chip of the mobile communication terminal using a wireless communication network; And a modification / change step of arbitrarily modifying / changing PIN information of the IC card chip detachably embedded in the mobile communication terminal, wherein the mobile communication terminal is a communication device such as a mobile phone, a smart phone, a PDA, etc. In the financial information transmission step, a financial transaction request message is constructed using an account number, a corresponding financial company code, an account type, and customer information for each financial account of the user, and a 'favorite deposit account' is directly on the mobile terminal. Characterized in that the input. Next, when the financial transaction selected on the mobile communication terminal is a financial account inquiry, after confirming the relevant information of the selected financial account in the IC card chip through the banking application, and sends an account inquiry request message to the corresponding banking server, And displaying the transaction history response message transmitted from the banking server. In addition, when the financial transaction selected on the mobile terminal is a transfer / remittance, withdrawal account input step of inputting the password and the transfer amount, the deposit account number and the financial company information of the withdrawal account; A preliminary transaction request step of requesting a preliminary transaction with the banking server based on the deposit / withdrawal account information and the transfer amount; A security card for generating a security card number of a random number in response to the transfer preliminary transaction from the banking server and transmitting it to the mobile communication terminal, and again inputting the security card password from the mobile communication terminal to the banking server. A password input step; After transmitting the security card password to the banking server and requesting a transfer main transaction for the corresponding deposit / withdrawal account, receiving the transfer main transaction processing result from the banking server and displaying the processing result displayed on the display window of the mobile communication terminal. step; And an account registration step of registering a target account as a favorite account after the financial transaction is made. In addition, the account registration step, characterized in that the input directly into the account number and the corresponding financial company information of the deposit account on the mobile communication terminal, or selected by the search of the 'favorite deposit account' through the banking application. . When the financial transaction selected on the mobile communication terminal is loan inquiry and interest payment, the list of loan accounts stored in the IC card chip is extracted and displayed on the display window of the mobile communication terminal, and the selected loan account of the loan account list is selected. Checking a loan account to confirm related information; A loan account inquiry step of accessing a corresponding banking server based on the loan account information and requesting information on transaction details of the loan account, receiving a response message and outputting the response message to a display window of the mobile communication terminal; A password input step of extracting and displaying a list of general financial accounts stored in the IC card chip, selecting a withdrawal account for withdrawal from the account list, and inputting a password of the withdrawal account; The preliminary transaction request step of transmitting the relevant information of the selected loan account and withdrawal account to the corresponding banking server and requesting the preliminary transaction of the payment, receiving and outputting the response message from the corresponding banking server, and the payment preliminary transaction are normally performed and the user When the request for this transaction, in conjunction with the corresponding banking server, characterized in that it comprises a main transaction processing step of processing the main transaction for the preliminary payment transaction. The loan account inquiry step may include requesting interest information of the loan account to a banking server according to a user's request, receiving the response message and outputting the response message to the display window of the mobile communication terminal. 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 system required to implement a financial transaction service method using a mobile communication terminal according to the present invention. Referring to Figure 1, the system required to implement the financial transaction service method of the present invention is largely the user's mobile communication terminal 10, BTS / BSC 20 for wireless communication of the mobile communication terminal 10, PDSN (Packet Data Switching network) 30 and the banking server 40 of each financial company. The PDSN 30 provides a packet data transmission service using a PPP and a TCP / IP protocol between a Radio Access Network (RAN) and a Data Core Network (DCN) including a BTS / BSC 20 and the like. Financial transaction service is provided based on TCP / IP protocol. The banking server 40 is a device provided for each financial company to interwork with the mobile system, the request message for account inquiry, transfer / remittance related request message, loan status inquiry / interest payment related from the mobile communication terminal 10 After receiving the request message and the like, after receiving a predetermined customer authentication process in conjunction with the host server process the received message, and transmits the result and the related data to the mobile communication terminal 10 through the PDSN (30). The mobile communication terminal 10 and the banking server 40 are connected by using a TPC / IP protocol, and the transmission and reception of various data or information therebetween uses wireless TCP / IP communication using a wireless data network. On the other hand, the mobile communication terminal 10 is a terminal such as a mobile phone, smart phone, PDA, etc. equipped with all hardware devices for wireless data communication, the terminal is removable IC card chip 11 and mobile financial account inquiry, And a storage device on which software (S / W) for mobile transfer / remittance, mobile loan status inquiry and interest payment) is mounted. The IC card chip 11 is detachable to the mobile communication terminal 10, the internal information by PIN (Personal Identification Number) authentication to confirm the match by inputting the PIN information that is the password of the IC card chip 11 The PIN information, financial account information of the user and others, customer information, etc. are stored.  In addition, the IC card chip 11 includes an account number and password, a corresponding financial company code, an account type (e.g., ordinary deposits, savings deposits, periodic deposits, home loans, etc.) for each financial account or each loan account. The information is matched and stored. The built-in information of the IC card chip 11 is set at the issuance of the IC card chip 11 at a bank of a financial company, such as a bank, and the user may also use PIN information stored in the IC card chip 11 and the mobile communication terminal 10. After logging in to the IC card chip 11 through PIN authentication to confirm whether the input PIN information is matched, a financial account (account number, password, etc.) may be changed or added on the mobile communication terminal 10. . When a user applies for the IC card chip 11 through a postal service or the like without visiting a financial company window, the financial company sends the IC card chip 11 in a state in which the PIN information cannot be set so that the user can use the IC card. At the time of notifying the financial institution of receipt of the chip 11, a short message service (SMS) 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, it is possible to prevent misuse due to loss or theft during delivery of the IC card chip 11, so that the IC card can be used without the user visiting the financial company directly. The chip 11 is supported to be issued.  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 its internal information through PIN authentication, but if necessary, it can be used after being connected to the mobile communication terminal 10 and stored separately when it is not used. It is possible to provide user convenience when inputting related information and to secure the security of the data. Furthermore, the mobile communication terminal 10 and the banking server 40 disclosed in the present invention basically use E2E (End to End) and WPKI (Wireless Public Key Infrastructure) encryption techniques for the security of data and financial information in a mobile environment. Can be used as 2 illustrates a hierarchical structure of software (S / W) configuration of the mobile communication terminal 10. Referring to FIG. 2, the software (S / W) configuration of the mobile communication terminal 10 includes an IC card driver 16 for managing data of the IC card chip 11 and system software for managing basic functions of the terminal. (S / W) 15 as a substructure, and a banking application 12 and an IC card API 13 as a superstructure on a Java VM 14. 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 mobile account inquiry, and receives data and selection commands or outputs inquiry results and the like through the mobile communication terminal 10, and the IC card. Data transmission and reception with the chip 11 and the banking server 40 is 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 in the banking application 12 will be described briefly as follows. In the present invention, in order to read the PIN information and the financial account information embedded in the IC card chip 11, the banking application 12 calls the IC card API 13, Java VM (Java VM) 14 ) Transfers the data of the IC card API 13 to the IC card driver 16 via the system software (S / W) 15 to read the corresponding information.  Accordingly, 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 mobile financial account inquiry, mobile transfer / remittance, mobile loan account inquiry and interest payment of the present invention will be described with reference to the drawings. Each embodiment to be described later with respect to the banking application 12 will be described differently according to its task.  For example, it is divided into an account inquiry application, an account 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. 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. When receiving a normal response message according to the preliminary transfer transaction from the banking server 40 and the user presses a confirmation key accordingly, the banking server 40 generates a random number of 1 to 35 as a security card number. The user checks the security card and inputs a security card password corresponding to the number. Accordingly, the transfer / transfer application 12 constitutes a transfer main transaction request message with the transaction details and the security card information. Then, the banking server 40 requests a transfer main transaction. When the banking server 40 authenticates the security card, processes the transfer transaction, and transmits the transfer main transaction response message normally, the mobile 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, the loan interest payment preliminary transaction is requested. 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, when using the financial transaction service using the mobile communication terminal, the account number and ID / every time on the mobile communication terminal using a banking application running on a removable IC card chip and a Java VM. The convenience of the user can be achieved by omitting the process of inputting the password. In addition, according to the present invention, since the mobile banking and various authentications are processed before the mobile communication terminal and the banking server are connected, the mobile communication terminal is processed. Minimize the access time of the banking server and the banking server to reduce the call charge burden, minimize the network load, and secure the security of the data and financial information of the mobile environment through PIN authentication and other security modules for the removable IC card chip. There is an effect that can be strengthened. The above-described mobile communication terminal according to the present invention As one embodiment for carrying out the financial transaction service method using the terminal period, the present invention is not limited to the above-described embodiment, the present invention without departing from the gist of the invention claimed in the following claims Anyone with ordinary knowledge in this field will have the technical spirit of the present invention to the extent that various modifications can be made.

Claims (7)

In a financial transaction service method using a mobile communication terminal that performs a financial transaction with a banking server of a bank by using a mobile communication terminal detachably embedded with an IC card chip storing PIN information and information related to a user's financial account. Selecting a financial transaction through an M / B (Mobile Banking) dedicated key or a menu item installed on the mobile communication terminal, and then selecting a financial transaction from among the services of the electronic bankbook; A PIN authentication step of authenticating access on the data stored in the IC card chip on the mobile communication terminal by comparing the PIN information input from the mobile communication terminal with the PIN information stored in the IC card chip; A financial information display step of displaying all financial account information of the user stored in the IC card chip on the display window of the mobile communication terminal when the PIN card is logged into the IC card chip; When the financial account selection signal is input from the mobile communication terminal, the financial information is transmitted to the banking server after constructing a financial transaction request message using the related information of the selected financial account through the banking application built in the mobile communication terminal. A transmitting step; A financial information response step of transmitting a financial transaction response message to the mobile communication terminal after a predetermined customer authentication process for the financial transaction and the financial account in the banking server; And Receiving a financial transaction response message sent from the banking server, and the transaction history display step of displaying the resulting transaction on the display window of the mobile communication terminal, The mobile communication terminal and the banking server use E2E (End to End) and WPKI (Wireless Public Key Infrastructure) encryption techniques to secure data and financial information in a mobile environment. Transaction service method. The method of claim 1, An update step of updating information of a newly opened account or a revised / cancelled account at a bank window on the IC card chip of the mobile communication terminal using a wireless communication network; And a modification / change step of arbitrarily modifying / changing PIN information of an IC card chip detachably embedded in the mobile communication terminal, The mobile communication terminal is a communication device such as a mobile phone, smart phone, PDA, etc., In the financial information transmission step, a financial transaction request message is constructed using an account number, a corresponding financial company code, an account type, and customer information for each financial account of the user, and a 'favorite deposit account' is directly on the mobile terminal. Financial transaction service method using a mobile communication terminal, characterized in that for inputting. The method according to claim 1 or 2, When the financial transaction selected on the mobile communication terminal is a financial account inquiry, after checking the relevant information of the selected financial account on the IC card chip through the banking application, and sends an account inquiry request message to the corresponding banking server, the banking server Financial transaction service method using a mobile communication terminal, characterized in that for displaying the transaction history response message transmitted from. The method according to claim 1 or 2, A withdrawal account input step of inputting a password, a transfer amount, a deposit account number and corresponding financial company information of the withdrawal account when the financial transaction selected on the mobile communication terminal is a transfer / transfer; A preliminary transaction request step of requesting a preliminary transaction with the banking server based on the deposit / withdrawal account information and the transfer amount; A security card for generating a security card number of a random number in response to the transfer preliminary transaction from the banking server and transmitting it to the mobile communication terminal, and again inputting the security card password from the mobile communication terminal to the banking server. A password input step; After transmitting the security card password to the banking server and requesting a transfer main transaction for the corresponding deposit / withdrawal account, receiving the transfer main transaction processing result from the banking server and displaying the processing result displayed on the display window of the mobile communication terminal. step; And And a bank account registration step of registering a target account as a favorite account after the financial transaction is made. The method of claim 4, wherein The account registration step, the mobile communication characterized in that the input directly into the account number and the corresponding financial company information of the deposit account on the mobile communication terminal, or by selecting by the search of the 'favorite deposit account' through the banking application Financial transaction service method using a terminal. The method according to claim 1 or 2, When the financial transaction selected on the mobile communication terminal is loan inquiry and interest payment, the list of loan accounts stored in the IC card chip is extracted and displayed on the display window of the mobile communication terminal, and the related information of the corresponding loan account selected from the loan account list. Loan account confirmation step to confirm; A loan account inquiry step of accessing a corresponding banking server based on the loan account information and requesting information on transaction details of the loan account, receiving a response message and outputting the response message to a display window of the mobile communication terminal; A password input step of extracting and displaying a list of general financial accounts stored in the IC card chip, selecting a withdrawal account for withdrawal from the account list, and inputting a password of the withdrawal account; A preliminary transaction request step of transmitting the related information of the selected loan account and withdrawal account to the corresponding banking server to request the preliminary payment of the payment, and receiving and outputting the response message from the corresponding banking server; When the payment preliminary transaction is normally made and the user requests this transaction, the transaction using the mobile communication terminal comprises a main transaction processing step of processing the main transaction for the preliminary payment transaction in association with the corresponding banking server. Transaction service method. The method of claim 6, In the loan account inquiry step, a request for interest information of the loan account is requested to a banking server according to a user's request, and the response message is received and displayed on the display window of the mobile communication terminal. Financial Transaction Service Method.