KR100551078B1 - mobile financial transaction system by peculiar call information and the method thereof - Google Patents

Abstract

The present invention provides a unique call to perform a mobile financial transaction without replacing the mobile communication terminal by performing various financial transactions based on the call information received by requesting transmission to the mobile communication terminal by a standardized mobile communication protocol. It relates to a mobile financial transaction system and method based on the information.

According to an aspect of the present invention, there is provided a mobile credit settlement system based on unique call information, comprising: a mobile communication terminal which emits unique call information on a radio wave in response to a call signal; A financial transaction terminal including a call information confirmation device which periodically emits a call signal, receives the radio wave emitted from the mobile communication terminal, and extracts and confirms the unique call information carried in the radio wave; A banking system for determining whether to approve a financial transaction requested by a user and the unique call information provided from the financial transaction terminal are performed to notify the banking system by performing user authentication and receive notification of whether the financial transaction is approved from the banking system. It includes a FEM system provided to the financial transaction terminal.

Call, MIN, ESN, call, mobile, authentication, finance

Description

Mobile financial transaction system and method by peculiar call information and the method

1 is a network configuration of a mobile financial transaction system through a conventional mobile communication terminal,

2 is an internal block diagram of a call information confirmation device of a mobile communication terminal in a mobile financial transaction system of the present invention;

3 is a network-based flow chart for explaining the mobile credit settlement method for the merchant target by the unique call information of the present invention,

4 is a sample screen of receiving and analyzing call information generated from an arbitrary mobile communication terminal through the ESNA of the present invention;

Figure 5 is a network-based flow chart for explaining a mobile financial transaction method for CD / ATM target by the unique call information of the present invention,

6 is a network-based flow chart for explaining a mobile electronic money purchase and payment method according to the unique call information of the present invention;

7 is a flowchart based on a network for explaining a method of paying a traffic fare based on unique call information of the present invention;

8 is a network-based flow chart illustrating a member registration method through a direct visit in a mobile financial transaction system based on unique call information of the present invention;

9 is a network-based flowchart for explaining a method for registering a member through a wired / wireless internet in a mobile financial transaction system based on unique call information of the present invention.

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

2: mobile terminal, 4: merchant,

6: VAN system, 8: credit card company,

100: ESNA,

110: RF processing part, 111: antenna,

112: RF duplexer, 113: demodulator,

113a: second generation demodulator, 113b: third generation demodulator,

113c: next generation demodulator, 114: ADC,

115: modulator, 115a: second generation modulator,

115b: third generation modulator, 115c: next generation modulator,

116: DAC, 117: small BSC,

118: parser,

120: financial processing part, 121: call information receiving unit,

122: key input unit, 123: security module,

124: data processor, 125: display module,

130: communication processing part, 131: modem module,

132: Ethernet module, 133: serial communication module,

134: WLAN module,

100-1, 100-3: ESNA POS terminal,

100-2: ESNA CD / ATM, 100-4: ESNA Bus Terminal,

100-5: ESNA banking terminal,

200: mobile communication terminal, 300: FEM system,

400: banking system, 500: electronic money purchase server,

600: bus system, 700: mobile carrier system,

800: existing banking terminal, 810: member client PC,

850: web server for registration, 900: swap server for membership

The present invention relates to a mobile financial transaction system and method using unique call information, and in particular, a mobile financial transaction system using unique call information for performing various financial transactions based on call information provided by requesting a transmission to a mobile communication terminal. And to a method.

In recent years, with the rapid development of communication technology, mobile phones and personal digital assistants (PDAs) with mobile communication functions (hereinafter referred to as 'mobile communication terminals') are becoming indispensable personal necessities. Reflecting the present situation, various authentication / convenience systems using mobile communication terminals have been proposed.

1 is a network configuration of a mobile financial transaction system through a conventional mobile communication terminal. As shown in FIG. 1, a conventional mobile financial transaction system using a mobile communication terminal is configured to read and process a mobile communication terminal 2 having a dedicated IC chip containing credit card information and a credit information contained in the IC chip. A merchant (4) with a payment processing terminal, a credit card company (8) that stores customer credit information, and a brokerage agency that brokers the credit settlement process between a credit card company (8) and a merchant (4). And a VAN system 6.

In the above-described configuration, after the user purchases a predetermined item at the affiliated store 4, the user inputs payment information such as a payment password and a payment amount while executing a payment program on his mobile terminal 2 for credit payment. When the user's credit information and payment information embedded in the IC chip are transferred to a payment processing terminal of the affiliated store 4, for example, a wireless method such as Bluetooth, IrDA or IrFM, or a proximity approach such as an RF coil method. Will be delivered through (S101). Next, the payment processing terminal of the affiliated store 4 transmits the credit information and payment information received from the mobile communication terminal 2 of the user to the VAN system 6 connected by wire (S102), and the VAN system 6 In again, the corresponding credit card company (8) transfers it to the request for authentication and payment approval (S103).

Next, the credit card company 8 inquires the user's credit information and payment information received in step S103 in its own database to determine whether to authenticate and accept the payment, and then returns it to the VAN system 6 (S104). At 6, the payment approval result is transmitted to the affiliated store 4 again (S105). Finally, in the merchant 4, the payment process is terminated by outputting the specification table (S106) and transmitting it to the user when the payment approval is dropped.

However, according to the mobile financial transaction system through the conventional mobile communication terminal as described above, the IC chip containing the credit information and the wireless communication or proximity access-related hardware must be embedded in the mobile communication terminal as a prerequisite. Most mobile communication terminals have not been equipped with such IC chips or hardware, so there is a problem that credit transactions are not activated.

 The present invention has been made to solve the above-described problems, without having to replace the mobile communication terminal by performing various financial transactions based on the call information provided by requesting the transmission to the mobile communication terminal by a standardized mobile communication protocol It is an object of the present invention to provide a mobile financial transaction system and method using unique call information to perform a mobile financial transaction.

An apparatus for confirming call information according to an aspect of the present invention includes an RF processing part for periodically radiating a call signal, receiving an electric wave emitted from a mobile communication terminal in response to the call signal, and confirming unique call information carried in the electric wave; Receives and stores unique call information from RF processing part, transmits unique call information or financial transaction information provided from financial processing part and financial processing part storing various financial transaction information necessary for financial transaction to external system, and It includes a communication processing part for receiving information necessary for financial transactions from the system.

According to another aspect of the present invention, a user authentication system using unique call information includes: a mobile communication terminal configured to emit unique call information on radio waves in response to a call signal; And a call information confirmation device for periodically radiating a call signal, receiving the radio wave emitted from the mobile communication terminal, and extracting and confirming the unique call information carried on the radio wave. It stores various financial transaction information, including the FEM system that receives the call information from the financial transaction terminal and performs the user authentication according to the comparison result with the financial transaction information stored therein.                         

In accordance with still another aspect of the present invention, a mobile credit settlement system using unique call information includes: a mobile communication terminal configured to emit unique call information in a radio wave in response to a call signal; A financial transaction terminal including a call information confirmation device which periodically emits a call signal, receives the radio wave emitted from the mobile communication terminal, and extracts and confirms the unique call information carried in the radio wave; The banking system and the banking system for determining whether to approve the financial transaction requested by the user are notified to the banking system by performing the user authentication based on the unique call information provided from the financial transaction terminal, and receiving the notification of the approval of the financial transaction from the banking system. Including FEM system to provide.

Mobile credit settlement method using the unique call information according to another aspect of the present invention (a1) ESNA POS terminal periodically emits a call signal, in response to the call signal is a unique call emitted from the user's mobile terminal Receiving and confirming information and receiving an authentication password from a user; (a2) requesting a credit settlement by an ESNA POS terminal by transmitting the unique call information, the authentication password, and the payment amount to a FEM system; (a3) performing a user authentication by the unique call information in the FEM system and requesting a credit settlement by providing a user identification information and the payment amount to a banking system when the authentication is passed; (a4) determining whether to approve the credit settlement by the user identification information in the banking system, and transmitting the approval result to the FEM system; and (a5) the FEM system notifying the ESNA POS terminal of the approval result. It is done by                         

According to another aspect of the present invention, a mobile electronic money settlement method using unique call information includes: (a1) an ESNA POS terminal periodically radiating a call signal and inherently emitted from a user's mobile communication terminal in response to the call signal; Receiving and confirming call information; (a2) requesting an electronic money payment by transmitting the unique call information and the payment amount to the FEM system by the ESNA POS terminal; and (a3) performing user authentication by the unique call information in the FEM system and passing the authentication. In this case, it is determined whether to approve payment according to a result of comparing the electronic money balance of the user with the payment amount, and transmitting the approval result to the ESNA POS terminal.

According to still another aspect of the present invention, a method for payment of a mobile traffic fee by using unique call information may include: (a1) an ESNA bus terminal periodically radiating a call signal and inherently emitted from a mobile communication terminal of the user in response to the call signal; Receiving and confirming the call information and storing the call information together with the traffic fare in its own memory; (a2) requesting the settlement by a predetermined period by providing the FEM system after receiving the unique call information and traffic fare information from a memory of an ESNA bus terminal; (a3) after the FEM system verifies payment account information of a user who is a member based on the unique calling information, providing the payment account information and the transportation fee to a banking system and requesting a settlement; (a4) after the banking system performs the settlement, providing the settlement processing result to the FEM system, and (a5) passing the settlement processing result to the bus system by the FEM system.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of a mobile financial transaction system and method according to the unique call information of the present invention, the technical details related to the present invention in the field of mobile communication technology will be described in detail. .

As is well known, mobile communication systems widely distributed in Korea are largely divided into conventional cellular phone systems and personal communication service (PCS) systems, whereas conventional mobile phone systems use a radio frequency band of 800 MHz. Has a similar network configuration, except that it uses the 1.7GHz to 2.0GHz radio frequency band, which is more than twice as high. In addition, the mobile communication terminal has a variety of information required when the base station calls the mobile communication terminal, that is, a mobile identification number (MIN), which is a registered telephone number of the mobile communication terminal, and an ESN (Electronic Serial Number), which is a unique manufacturing number of the mobile communication terminal. Etc. (hereinafter referred to as 'call information') are stored.

Meanwhile, the base station may transmit an overhead message to all mobile terminals in the service area through the paging channel, which includes system parameters, information related to access of the mobile terminal, and base station frequency. Information, and the base station should transmit this information at least once every 1.28 seconds. In addition, the mobile communication terminal transmits its call information to the base station in response to the overhead message from the base station. In the present invention, the call information of the mobile communication terminal is immediately obtained by the call through the paging channel. You can do it.

2 is an internal block diagram of an apparatus for confirming call information of a mobile communication terminal in a mobile financial transaction system of the present invention. As shown in FIG. 2, the call information confirmation apparatus (hereinafter, simply referred to as 'ESNA' (Electronic Serial Number Analyzer)) 100 according to the present invention is largely an RF processing part 110 and a financial processing part 120. And three parts of the communication processing part 130. The RF processing part 110 again captures a radio signal of a mobile communication frequency band and radiates an radio frequency signal (hereinafter referred to as a 'call signal') including an overhead message to the air 111 and an antenna ( 2 separated by the RF duplexer 112 and the RF duplexer 112 which receive the radio signal captured by the 111, separate the frequency band of each generation, separate the call signal for each generation and transmit it to the antenna 111. Restoring baseband signals from the frequency band of generation (G) mobile communication terminals (cellular, PCS and GSM terminals), the frequency band of third generation mobile communication terminals (UMTS and CDMA2000 terminals), and the frequency band signals of next-generation mobile terminals. Demodulator 113 (the second generation demodulator 113a, the third generation demodulator 113b and the next generation demodulator 113c), and the analog baseband signal recovered from the demodulator 113 as a corresponding digital signal. ADC to convert (Analog to digital converter (114), a small base station controller (BSC) 117 that controls the overall operation of the RF processing part 110, and the analog baseband call signal provided by the small BSC 117 DAC 116 for converting into band call signal, modulator 115 for modulating baseband call signal provided from DAC 116 (2nd generation modulator 115a, 3rd generation modulator 115b and 4th generation modulator) 115c) and a parser 118 that receives and interprets the digital signal output from the ADC 114 through the small BSC 117 to confirm call information. In the present invention, it is possible to process all the frequency band signals of the mobile communication terminals of all generations so that the user can perform financial transactions using the mobile communication terminal currently owned.

The financial processing part 120 checks and provides call information provided by the parser 118 of the RF processing part 110, that is, a password and an operation required for authentication from the call information receiving unit 121, a user or an administrator receiving ESN and MIN. A key input unit 122 for receiving a start command or the like, a security module 123 for encrypting financial transaction information such as user call information and affiliated store identification information, a display module for displaying various types of information generated during a financial transaction process ( 125 and a data processor 124 for controlling the overall operation of the financial processing part 120. In the above-described configuration, the key input unit 122 may include a conventional numeric key button, and the display module 125 may be implemented as a diode matrix panel or an LCD panel. The data controller 124 may be implemented as a microcomputer, which includes a data memory for storing various financial transaction information and call information such as merchant information and a program memory for controlling the overall operation of the financial processing part 120. It may be provided. In addition, the key input unit 122 and the display module 125 may be installed toward the user so that the user can directly operate and check.

The communication processing part 130 is a modem module 131 used to receive information accompanying financial transactions with external organizations through a public telephone network, and an Ethernet module used to receive a central management center and sales data from a large affiliated store. 132 and a wireless LAN module 134 and a serial communication module used to receive information accompanying a financial transaction by communicating with a POS, a CD / ATM or a traffic card recognition terminal already installed in a bank. 133 may be included.

In this way, the ESNA 100 of the present invention can not only function independently, but also additionally installed and used through these simple operations without changing hardware such as POS, CD / ATM or a traffic card recognition terminal that is already in use. In order to prevent a recognition error of a mobile communication terminal to be dealt with or interference with radio waves generated from a base station operated by a mobile communication service provider, the ESNA 100 may be located within a predetermined distance, for example, within a radius of 10 [cm]. Its output can be adjusted appropriately so that it can communicate only with a mobile communication terminal, and if necessary, it can be implemented as a closed type.

Figure 3 is a network-based flow chart for explaining the mobile credit settlement method for the merchant target by the unique call information of the present invention, the dotted line shows the wireless processing flow, the solid line shows the wired processing flow. In FIG. 3, reference numeral 100-1 may be, for example, a POS terminal having an ESNA function (hereinafter, referred to as an “ESNA POS terminal” in the description of FIG. 3) shown in FIG. 2. Reference numeral 200 represents a mobile communication terminal, 400 represents a banking system (which may be a bank or credit card company), and 300 is installed between the ESNA POS terminal 100-1 and the banking system 400 to authenticate the user. In addition, it represents an authentication / relay agency (hereinafter referred to as a 'FEM system' (Frequency Electronic Mobile system)) that performs the relay of transaction information. Meanwhile, the FEM system 300 stores various user information necessary for user authentication, that is, calling information, authentication password, and affiliated store identification information of a user mobile communication terminal 200 as a member. Therefore, in order to use the mobile credit settlement method of the user or affiliated member must register in advance in the FEM system 300, which will be described in detail later.

As shown in Fig. 3, the ESNA POS terminal 100-1 of the present invention emits a call signal at a predetermined period, for example, a period of 1.28 seconds (S1-1). In this state, when the user approaches his mobile communication terminal 200 to the ESNA-POS terminal 100-1 for a predetermined distance for credit settlement, the user's mobile communication terminal 200 in response to the call signal A frequency signal carrying unique call information is emitted (S1-2). Next, the ESNA POS terminal 100-1 receives the frequency signal emitted from the mobile communication terminal 200 in a reception standby state and analyzes the extracted call information (S2). Subsequently, after confirming the payment amount displayed on the display module 125, the user operates the key input unit 122 to input an authentication password (S2), and the ESNA POS terminal 100-1 inputs the call information extracted in step S2. The authentication password and the payment amount received are transmitted to the FEM system 300 to request a credit payment (S3). Next, the FEM system 300 receiving such a request performs user authentication based on the information provided in step S3, and if the authentication is allowed, the banking system 400 predetermined payment information (calling information, payment password, It may be payment account information, etc., may be other information) and the payment amount is requested to make a credit payment (S4).

Next, the banking system 400 receiving such a request determines whether to make a credit payment by its own financial service, and then transfers the determined result to the FEM system 300 (S5). Thereafter, the FEM system 300 transfers the payment result received from the banking system 400 to the ESNA POS terminal 100-1, and the ESNA POS terminal 100-1 outputs a sales slip based on the credit settlement process. Will end. In the banking system 400, if the credit approval result is wirelessly transmitted to the user's mobile communication terminal 200 by SMS, the user's reliability may be further improved. Although the above has described credit settlement, it is possible to perform debit payment (corresponding to a conventional debit card payment) by the same flow.

On the other hand, since the radio frequency signal emitted from the mobile communication terminal has a property of spreading to a wide space, a method of accurately recognizing a mobile communication terminal from another terminal may be an important problem. First, the ESNA 100 In order to receive the frequency signals from all the mobile communication terminal around the ESNA 100 by increasing the reception sensitivity of the user, and to confirm the mobile communication terminal of the user who is the subject of the transaction, predetermined information from the user, for example, the last four digits of the MIN information. There may be a way to receive input (the more digits entered, the higher the accuracy of the check). In this case, if the back digits of the MIN information and the authentication password are input consecutively, the inconvenience to the user may be reduced.

Secondly, the method of lowering the reception sensitivity of the ESNA 100 to accept only a frequency signal of a mobile communication terminal approached within a predetermined distance from the ESNA 100, for example, within 10 [cm], and preferably almost in contact. There may be. In order to further improve the accuracy of confirmation, there may be a method of putting the mobile communication terminal into an electromagnetic shielding space and processing only inserting and processing an antenna unit of the mobile communication terminal to which the frequency signal is radiated.

4 is a sample screen of receiving and analyzing call information generated from an arbitrary mobile communication terminal through the ESNA of the present invention having the antenna insertion method, and includes various ESNs and MINs through the ESNA 100 of the present invention. Demonstrate that useful information can be extracted.

FIG. 5 is a network-based flow chart for explaining a mobile financial transaction method for a CD / ATM target using unique call information of the present invention. The dotted line represents a wireless processing flow, and the solid line represents a wired processing flow. In FIG. 5, reference numeral 100-2 may be, for example, a CD / ATM having an ESNA function (hereinafter referred to as 'ESNA CD / ATM' in the description of FIG. 5) shown in FIG. Denotes a mobile terminal, 400 denotes a banking system (which may be a bank or credit card company), and 300 denotes a user authentication or transaction information intervening in the ESNA CD / ATM 100-2 and the banking system 400. Represents a FEM system that performs relaying.

Meanwhile, the FEM system 300 stores various user information necessary for authentication, that is, call information, authentication password, and payment account information of a user mobile communication terminal 200, which is a member, in a database. Therefore, in order for a user to use the mobile financial transaction method, a member must be registered in advance in the FEM system 300, which will be described in detail later.

As shown in Fig. 5, the ESNA CD / ATM 100-2 of the present invention emits a call signal at a predetermined period, for example, a period of 1.28 seconds (S11-1). In this state, when a user who is a member approaches his / her mobile communication terminal 200 to the ESNA CD / ATM 100-2 in order to receive financial transaction services such as cash in / out, withdrawal, or transaction history inquiry, In response to the call signal, the user's mobile communication terminal 200 emits a frequency signal carrying unique call information (S11-2). Next, the ESNA CD / ATM 100-2 receives and analyzes the frequency signal emitted from the mobile communication terminal 200 in the reception standby state and extracts call information (S12). Subsequently, the user operates the key input unit 122 of the ESNA CD / ATM 100-2 to input an authentication password (S12).

Next, the ESNA CD / ATM 100-2 transmits the call information extracted in step S12 and the input authentication password to the FEM system 300 to request user authentication according to a financial transaction (S13). Subsequently, the FEM system 300 inquires its own database based on the information provided in step S13, extracts user authentication and payment account information, and if the authentication is allowed, corresponds to the ESNA CD / ATM 100-2. The payment account information of the user is notified (S14).

The above process corresponds to a process in which a CD / ATM reads a user's credit card, extracts payment account information, receives a password from the user, and authenticates a user in a conventional financial transaction method using a credit card. The financial transaction service provided by the conventional CD / ATM can be provided. For example, in the case of selecting the cash service function, the ESNA CD / ATM 100-2 provides banking system information such as call transaction information, for example, call information, service number, payment account number, account password and withdrawal amount. 400, and the banking system 400 approves the payment to the ESNA CD / ATM 100-2 (S15), thereby withdrawing cash. Meanwhile, in this process, the banking system 400 may increase the user's convenience by transmitting the approval result to the mobile communication terminal 200 of the user through SMS (S16).

Figure 6 is a network-based flow chart for explaining the mobile electronic money purchase and payment method according to the unique call information of the present invention, the dotted line represents the wireless processing flow, the solid line represents the wired processing flow. In FIG. 6, reference numeral 100-3 may be, for example, a POS terminal of an affiliated store capable of using electronic money with an ESNA function (hereinafter, referred to as an “ESNA POS terminal” in FIG. 6). , Reference numeral 200 denotes a mobile communication terminal, 400 denotes a banking system (which may be a bank or credit card company), 500 denotes an electronic money purchasing server, and 300 denotes an ESNA POS terminal 100-3 and electronics. The FEM system intervenes in the currency purchase server 500 to perform user authentication or relay of transaction information.

Meanwhile, the FEM system 300 stores various user information necessary for user authentication, that is, a call number of the user mobile communication terminal 200 as a member, electronic money balance information, and identification information of an affiliated store in its database. Therefore, in order to use the mobile electronic money purchase and payment method of the user or merchant, the member must be registered in advance in the FEM system 300, which will be described in detail later.

As shown in FIG. 6, in order to purchase electronic money, the user must access the homepage of the electronic money purchase server 500 through the wireless Internet and make an electronic money purchase request (S21). The electronic money purchase server 500 In step S22, the call information of the mobile communication terminal 200 extracted at the time of wireless internet connection is transferred to the FEM system 300 to confirm whether the corresponding user has subscribed. Next, the FEM system 300 checks its own database and confirms whether the user subscribes, and then transfers the result to the electronic money purchase server 500 (S23). Next, the electronic money purchase server 500 requests the payment to the corresponding banking system 400 according to the payment method, for example, account transfer or credit payment, which the user inputs on the purchase page when the user requests a purchase (S24). Subsequently, the banking system 400 performs the requested payment process and notifies the result of the electronic money purchase server 500 to the electronic money purchase server 500 (S25), and the electronic money purchase server 500 sends the electronic money purchase information, that is, the amount information, to the FEM system. Delivered to the storage 300 (S26), which corresponds to the electronic money purchase process.

Meanwhile, the user may use his client PC (not shown) to access the electronic money purchase server 500 through the wired Internet.

Next, a process for the user who purchased the electronic money to use the same will be described. In the ESNA POS terminal 100-3, as described above, the call signal is emitted at a predetermined period, for example, a period of 1.28 seconds (S27). -1) In this state, when the user approaches his mobile communication terminal 200 to the ESNA-POS terminal 100-3 by a predetermined distance for payment of electronic money, the user's mobile communication terminal 200 responds to the call signal. As a result, a frequency signal carrying unique call information is emitted (S27-2). Next, the ESNA POS terminal 100-3 receives the frequency signal emitted from the mobile communication terminal 200 in the reception standby state and analyzes the extracted call information (S28).

Next, the user transmits the call information and the payment amount extracted in step S28 to the FEM system 300 to request the electronic money payment (S29). Subsequently, the FEM system 300 receiving such a request inquires its own database based on the received call information, inquires the user authentication and the electronic money balance of the user, and permits authentication and, if the balance is sufficient, ESNA POS. The electronic money is paid to the terminal 100-3 (S30).

As described above, the electronic money purchase and payment method of the present invention is similar to the conventional debit card payment method, and is omitted for authentication because it is only used for small payments. However, if the amount is a high amount, the security may be further enhanced by receiving an authentication password as in the credit settlement method of FIG. 3.

FIG. 7 is a network-based flow chart illustrating a method of paying a traffic fare based on unique call information of the present invention, wherein a dotted line represents a wireless processing flow and a solid line represents a wired processing flow. In FIG. 7, reference numeral 100-4 denotes, for example, a traffic terminal having an ESNA function (hereinafter, referred to as an “ESNA bus terminal” in the description of FIG. 7) shown in FIG. 2, and 200 denotes a mobile communication terminal. 400 represents a banking system (which may be a bank or credit card company), 600 represents a bus system, and 300 represents a banking system 400 and a bus system 600 to relay user authentication or transaction information. The FEM system to perform is shown.

As shown in Fig. 7, the ESNA bus terminal 100-4 emits a call signal at a predetermined period, for example, a period of 1.28 seconds, as described above (S41-1). In this state, when a user who is a member approaches his mobile communication terminal 200 to the ESNA bus terminal 100-4 by a predetermined distance for payment of a bus fee, the user's mobile communication terminal 200 calls such a call signal. In response, a frequency signal carrying unique call information is emitted (S41-2). Next, the ESNA bus terminal 100-4 receives the frequency signal emitted from the mobile communication terminal 200 in the standby state of reception, analyzes and extracts call information (S28), and stores the call information in its own memory together with the payment amount. Temporarily store (S42). Since the process is almost the same as the conventional card-type fare payment flow, when the bus is over, the driver removes the ESNA bus terminal 100-4, connects it to the bus system 600, and stores the call information stored in the memory. The payment amount is transferred to the database of the bus system 600 (S43).

Next, the bus system 600 transmits and stores the collected payment information to the FEM system 300 at predetermined cycle units, for example, a predetermined cycle of daily unit, weekly unit or monthly unit, and requests settlement (S44). The FEM system 300 receives such a request and then transfers the provided information to the banking system 400 to request a settlement (S45). Subsequently, the banking system 400 transmits the settlement processing result and the call information of the mobile communication terminal in which the loss report is received (S46), and the FEM system 300 receives the settlement processing result and the lost information. To the bus system (S47).

Subsequently, the bus system 600 transfers the call information of the mobile communication terminal in which the loss report is received to the ESNA bus terminal 100-4 to the ESNA bus terminal 100-4 and stores the stored information (S48). Do not allow payment to the terminal. Finally, the banking system 600 bills the bus fee for the user of the mobile communication terminal 200 in a postpaid manner (S49).

Of course, by slightly modifying the above-described embodiment, the ESNA bus terminal 100-4 transmits the call information temporarily stored in step S42 to the bus system 600 via a WLAN or the like and receives a lost report. Inquiry whether the terminal in real time, the bus system 600 confirms whether the mobile communication terminal is a mobile communication terminal that received the loss report based on the received call information, and also the result through a WLAN or the like. It may be to inform the ESNA bus terminal 100-4 in real time, which may further increase the reliability of the transaction.

As described above, according to the traffic fare payment method of the present invention, the convenience of the user can be improved by processing the payment of the relatively small traffic fare without an authentication process. Furthermore, such a method of payment of transportation fees can be applied as a method of payment of transportation fees of trains or railways. For example, ESNA 100 is additionally installed in existing transportation terminals installed at entrances and exits of trains or railway stations. After the bus system is changed to a train system or a railway system, the traffic fare can be settled by the processing flow of FIG. In this case, since the ESNA traffic terminal is fixedly installed at the entrance / exit of the train station or the railway station, the ESNA traffic terminal does not need a separate memory, and the FEM system 300 handles the charge processing such as an authentication service for the ESNA traffic terminal. Can act as a gateway to perform.

8 is a network-based flow chart for explaining a member registration method through a direct visit in the mobile financial transaction system according to the unique call information of the present invention, a dotted line represents a wireless processing flow, and a solid line represents a wired processing flow, Dashed lines represent manual process flow. In FIG. 8, reference numeral 100-5 denotes a banking terminal having an ESNA function (hereinafter, referred to as “ESNA banking terminal” in the description of FIG. 8), for example, shown in FIG. 2, and 200 denotes a mobile communication terminal. 800 represents a conventional banking terminal, 400 represents a banking system (which may be a bank or credit card company), 700 represents a mobile carrier system, 300 represents a banking system 400 and is connected to the banking system 400. Represents a FEM system that performs user authentication or relay of transaction information between other financial transaction terminals.

As shown in Fig. 8, in order for a user to register as a member of a mobile financial transaction system based on unique call information according to the present invention, a member registration document filled in with predetermined subscription information is prepared and submitted to a teller employee and the ESNA. The banking terminal 100-5 should approach its mobile communication terminal 200.

On the other hand, the ESNA banking terminal 100-5, as described above, emits the call signal at a predetermined period, for example, 1.28 seconds period (S51-1). In this state, when a user who is a member approaches his mobile communication terminal 200 to the ESNA banking terminal 100-5 by a predetermined distance, the user's mobile communication terminal 200 calls a unique call in response to the call signal. The frequency signal containing the information is emitted (S51-2). Next, the ESNA banking terminal 100-5 receives the frequency signal, analyzes it, extracts call information, and then receives key input of the subscription information described in the membership registration document through a teller. On the other hand, when the ESNA banking terminal 100-5 is not provided and only the existing banking terminal 800 is provided, the user must submit a membership registration document including the MIN to the counter staff. The information is then keyed in (S61) by the teller.

Next, the ESNA banking terminal 100-5 transmits the key input subscription information and the call information extracted by itself to the banking system 400 to request a subscription process (S52). In the case of the existing banking terminal 800, the key input MIN and the subscription information is transmitted to the banking system 400 to request a membership registration process (S62). Next, the banking system 400 delivers the provided MIN (and ESN) to the mobile carrier system 700 to confirm the valid subscription, that is, whether or not the lost / stolen mobile communication terminal (S73) Then, the mobile communication system 700 checks its own database to check the validity, and returns the result to the banking system 400 (S74). At this time, when only the MIN information is submitted from the banking system 400, that is, when receiving a subscription application through the existing banking terminal 800, the ESN information is delivered together.

Next, the banking system 400 provides the subscription information provided in step S52 or S62 and the call information received in step S74 to the FEM system 300 (S75), thereby completing the subscription procedure.

9 is a network-based flow chart illustrating a method for registering a member through a wired / wireless internet in a mobile financial transaction system based on unique call information of the present invention, and a dotted line indicates a wireless processing flow and a solid line indicates a wired processing flow. The dashed-dotted line shows the subscription processing flow through the swap. In FIG. 9, reference numeral 200 denotes a mobile communication terminal, 400 denotes a banking system (which may be a bank or credit card company), 700 denotes a mobile carrier system, and 300 denotes a banking system 400. An FEM system that performs user authentication or relay of transaction information between the 300 and other financial transaction terminals. Reference numeral 810 denotes a client PC of the user, 850 denotes a web server for registration, and 900 denotes a membership swap server.

As shown in FIG. 9, in order to register a user through the wired Internet, the user inputs predetermined subscription information on a member registration page which is displayed by accessing the web server 850 for registration by his client PC 810. At this time, MIN should also be input (S81). Then, the web server 810 for membership registration provides the subscription information (including MIN) thus submitted to the banking system 400 to request membership (S82), and the banking system 400 provides mobile communication with MIN information. The terminal 200 requests the subscriber identification number to be transmitted by SMS and input (S83).

Next, after the user confirms the subscriber identification number in his mobile communication terminal 200 and inputs it to the subscription confirmation number page of the web server 850 for membership registration (S84), the member web server 850 for registration. This is again delivered to the banking system (400) (S85), the banking system 400 checks whether it matches the one sent in step S83 to check whether the membership applicant and the mobile terminal holder is the same.

When this check is completed, the banking system 400 transmits the provided MIN to the mobile carrier system 700 to confirm whether the user has a valid subscription, that is, to confirm whether the lost / stolen mobile communication terminal (S86) and the like. In addition, the mobile communication system 700 checks its own database and checks its validity, and returns the result to the banking system 400 together with the ESN (S87). Next, the banking system 400 provides the subscription information provided in step S82 and the call information returned in step S87 to the FEM system 300 (S88), thereby completing the subscription procedure.

Next, a description of the registration process through the wireless Internet, the user enters the predetermined subscription information on the registration page provided by the mobile communication terminal 200 connected to the membership registration swap server 900 provided ( S91). Then, the membership bwak server 900 provides the banking system 400 with the subscription information received in this way and the call information of the mobile communication terminal 200 of the user, which is automatically extracted when accessing the wireless Internet (S92). do.

Subsequently, the banking system 400 transmits the automatically extracted call information to the mobile communication company system 700 to request confirmation of valid subscription, that is, whether the mobile communication terminal is lost or stolen (S83), and the mobile communication company. The system 700 checks its database and confirms validity, and then returns the result to the banking system 400 (S94). Next, the banking system 400 provides the subscription information and the call information provided in step S91 to the FEM system 300 (S95), thereby completing the subscription procedure.

The mobile financial transaction system and method according to the intrinsic call information of the present invention are not limited to the above-described embodiments, and various modifications can be made within the scope of the technical idea of the present invention. For example, the present invention may be applied to the vending machine of the present invention, in which case the vending machine may correspond to the ESNA POS terminal of FIG. 3 or 6.

Furthermore, in the above-described embodiment, the call information is described as including both the ESN and the MIN, but the call information may be made of only one of them. This is also defined in the claims below.

According to the mobile financial transaction system and method by the unique call information of the present invention as described above, the following effects occur.

First of all, various mobile financial transactions, such as credit settlement and electronic money settlement, CD / Cash in / out and cash transfer through ATM, transaction history inquiry and transportation fee payment through non-authentication can be performed.

Next, since only the calling information such as mobile phone number and device unique number is exposed in the financial settlement process, there is an effect that does not cause other damage even if hacked.

Next, since the user authentication is performed by a contactless method, there is an effect that the financial transaction can be conveniently performed.

Next, since membership can be registered without directly inputting call information and the like, there is an effect that registration is easy and convenient.

Next, there is an effect that can be flexibly applied to various financial transactions by differentiating the degree of security.

Furthermore, the mobile terminal may transmit unique call information to the mobile terminal at a shorter period than the slot cycle without waiting for the mobile terminal to emit unique call information every predetermined slot cycle (5.12 seconds) through the access channel. By acquiring, the time required for authentication is greatly shortened, thereby enhancing the convenience of transactions.

Claims (23)

An RF processing part for periodically radiating a call signal, receiving an electric wave emitted from a mobile communication terminal in response to the call signal, and confirming unique call information carried in the electric wave; Financial processing part that receives and stores unique call information from RF processing part and stores various financial transaction information necessary for financial transaction. And a communication processing part which transmits unique call information or financial transaction information provided from the financial processing part to an external system and receives information necessary for financial transaction from the external system. The RF processing part of claim 1, further comprising: an antenna configured to capture radio waves in a mobile communication frequency band and emit a call signal; An RF duplexer for receiving a radio signal captured by the antenna and transmitting a call signal to the antenna; A demodulator for restoring the baseband signal from the mobile communication frequency band signal; An analog-to-digital converter (ADC) for converting the analog baseband signal recovered by the demodulator to a corresponding digital signal; A BSC for controlling the overall operation of the RF processing part; A DAC for converting an analog baseband call signal provided from a BSC into a baseband call signal in a digital form; A modulator for modulating the baseband calling signal provided by the DAC; Call information confirmation device comprising a parser for receiving the digital signal output from the ADC through the BSC to interpret and confirm the unique call information. The apparatus of claim 1, wherein the financial processing part comprises: a call information receiving unit configured to receive unique call information provided from the RF processing part; A key input unit which receives various matters involved in the financial transaction; A security module for encrypting unique call information or financial transaction information; A display module for displaying various information generated in the course of financial transaction processing; Call information confirmation device comprising a data processor for controlling the overall operation of the financial processing part. The system of claim 1, wherein the communication processing part comprises: a modem module used to receive information accompanying a financial transaction with an external system through a public telephone network; It comprises an Ethernet module used to receive the data necessary for financial transactions with the merchant's central management center and serial communication module used to receive information accompanying financial transactions by communicating with various existing financial transaction terminals Call information confirmation device. The call information confirmation apparatus according to any one of claims 1 to 4, wherein the antenna of the RF processing part is installed in a sealed space in which the antenna unit of the mobile communication terminal is accommodated. A mobile communication terminal which emits unique call information on a radio wave in response to a call signal; A financial transaction terminal comprising a call information confirmation device for periodically radiating a call signal, receiving the radio wave emitted from the mobile communication terminal, and extracting and confirming the unique call information carried in the radio wave; It stores various financial transaction information including the unique call information of the member, and receives the unique call information from the financial transaction terminal and includes a FEM system for performing user authentication according to the result of comparison with the financial transaction information stored therein User authentication system by unique call information made. 8. The system of claim 6, wherein the unique call information comprises an ESN and a MIN. 7. The system of claim 6, wherein the call signal is emitted as an overhead message on a paging channel. 9. The user authentication system according to any one of claims 6 to 8, wherein the financial transaction terminal is a POS terminal. 9. The user authentication system according to any one of claims 6 to 8, wherein the financial transaction terminal is a CD / ATM. 9. The user authentication system according to any one of claims 6 to 8, wherein the financial transaction terminal is a vending machine. 9. The user authentication system according to any one of claims 6 to 8, wherein the financial transaction terminal is a traffic terminal of a train. 9. The user authentication system according to any one of claims 6 to 8, wherein the financial transaction terminal is a traffic terminal of a railroad. A mobile communication terminal which emits unique call information on a radio wave in response to a call signal; A financial transaction terminal including a call information confirmation device which periodically emits a call signal, receives the radio wave emitted from the mobile communication terminal, and extracts and confirms the unique call information carried in the radio wave; A banking system for determining whether to approve a financial transaction requested by a user; and By the unique call information provided from the financial transaction terminal by performing the user authentication to notify the banking system, the banking system is informed whether the approval of the financial transaction by the unique call information comprising the FEM system provided to the financial transaction terminal Mobile credit settlement system. (a1) the ESNA POS terminal periodically radiating a call signal, receiving and confirming unique call information emitted from the mobile communication terminal of the user in response to the call signal, and receiving an authentication password from the user; (a2) requesting a credit settlement by an ESNA POS terminal by transmitting the unique call information, the authentication password, and the payment amount to a FEM system; (a3) performing a user authentication by the unique call information in the FEM system and requesting a credit settlement by providing a user identification information and the payment amount to a banking system when the authentication is passed; (a4) determining whether or not to approve the credit settlement based on the user identification information in the banking system, and transmitting the approval result to the FEM system; and (a5) A method of mobile credit payment by unique call information, comprising the step of notifying the approval result to the ESNA POS terminal by the FEM system. The method of claim 15, wherein in step (a1), the unique call information includes a MIN, In step (a1), the ESNA POS terminal receives a key input of at least a part number of the MIN from the user and compares it with the identified unique call information to determine whether the reception is correct or not, and if the accuracy is confirmed, step (a2). Mobile credit settlement method by the unique call information, characterized in that performed. (a1) the ESNA CD / ATM periodically emits a call signal, receives and confirms unique call information emitted from the mobile communication terminal of the user in response to the call signal, and receives an authentication password from the user; (a2) requesting user authentication by ESNA CD / ATM by transmitting the unique call information and the authentication password to a FEM system; (a3) performing user authentication by the unique call information in the FEM system and transmitting payment account information to the ESNA CD / ATM when the authentication passes; (a4) the ESNA CD / ATM transferring the financial transaction contents requested by the user in the banking system to the banking system; (a5) the banking system determines whether to approve the contents of the financial transaction, and notifies ESNA CD / ATM of the approval result; (a6) The method of mobile credit payment by the unique call information, comprising the step of allowing or denying the financial transaction content in accordance with the approval result by ESNA CD / ATM. (a1) an ESNA POS terminal periodically radiating a call signal and receiving and confirming unique call information emitted from a mobile communication terminal of a user in response to the call signal; (a2) requesting an electronic money payment by the ESNA POS terminal by transmitting the unique call information and the payment amount to the FEM system; (a3) In the FEM system, user authentication is performed based on the unique call information, and when the user passes the authentication, the electronic money balance of the user is determined based on a result of comparing the payment amount with the payment amount. Mobile electronic money payment method by the unique call information comprising the step of transmitting to the ESNA POS terminal. The method of claim 18, wherein the electronic money purchase, (a4) a user accessing an electronic money purchase server, providing predetermined member information, and requesting electronic money purchase; (a5) the electronic money purchase server providing the member information to a FEM system and requesting confirmation of membership; (a6) checking, by the FEM system, its own database, and confirming the membership, and notifying the electronic money purchase server of the confirmation result together with the payment information of the member; (a7) requesting a payment by transmitting the payment information and the purchase request amount to a banking system by an electronic money purchase server; (a8) the banking system determining whether to approve payment and notifying the electronic money purchase server of the approval result; (a9) the electronic money purchasing server notifying the FEM system of the purchased electronic money information; and (A10) Method of payment for mobile electronic money by the unique call information, characterized in that the FEM system comprises the step of storing the purchased electronic money information. 20. The unique call according to claim 19, wherein the electronic money purchasing server is a swap server, and in the step (a4), the predetermined member information is call information automatically extracted by a mobile communication terminal of a user used for access. Mobile electronic money payment method by information. (a1) an ESNA bus terminal periodically radiating a call signal, receiving and confirming unique call information emitted from a user's mobile communication terminal in response to the call signal, and storing the call signal in its own memory together with a traffic fee; (a2) a bus system receiving the unique call information and traffic fare information from a memory of an ESNA bus terminal and providing the FEM system to request settlement in a predetermined period unit; (a3) after the FEM system verifies payment account information of a user who is a member based on the unique calling information, providing the payment account information and the transportation fee to a banking system and requesting a settlement; (a4) providing the settlement result of the settlement to the FEM system after the banking system performs the settlement; and (a5) FEM system for delivering the settlement result to the bus system, the mobile traffic bill payment method according to the unique call information made. 22. The method of claim 21, wherein in step (a4), the banking system provides the FEM system with the unique call information of the lost / stolen mobile terminal. In step (a5), the FEM system provides the unique call information of the lost / stolen mobile terminal with the bus system, The bus system stores the unique call information of the lost / stolen mobile communication terminal in an ESNA bus terminal so that payment of a traffic fee by the lost / stolen mobile communication terminal is rejected. Mobile fare payment method. The bus system of claim 21, wherein the ESNA bus terminal transmits the unique call information stored in the step (a1) to the bus system via a wireless LAN to inquire in real time whether the lost communication is a mobile communication terminal. A unique call characterized in that the mobile communication terminal is a mobile communication terminal that has received a loss report based on the received unique call information, and the response is returned to the ESNA bus terminal in real time through a WLAN; Mobile transportation fare payment method by information.

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