KR100598641B1 - Inquiring method for banking transaction using mobile phone - Google Patents

Abstract

The present invention relates to a transaction transaction inquiry method of a financial transaction, comprising: a first step of requesting an account inquiry by a mobile communication terminal having a smart card containing financial transaction information connected to a wireless financial server using a communication network; A second step in which the wireless financial server and the mobile communication terminal shake hands and exchange session keys during the handshake process; The mobile communication terminal prepares one financial service telegram consisting of a common telegram and an individual telegram and has the next key area where the next key is recorded, and encrypts the financial services telegram using the session key as a wireless financial server. A third step of delivering; A fourth step of deciphering the account inquiry details by the wireless financial server by decrypting the financial service telegram using the session key; A fifth step of determining whether the number of transaction details of the account is greater than or equal to a predetermined number, and dividing the transaction details into remaining transaction details; And a response message including a next key area, a transaction history recording area, and a remaining transaction history existence area in the wireless financial server, and the response message is transmitted to the mobile communication terminal, and then the mobile communication terminal and the wireless financial server are disconnected. And a sixth step.

Account inquiry, mobile communication terminal, additional transaction

Description

How to search financial transaction history using mobile terminal {INQUIRING METHOD FOR BANKING TRANSACTION USING MOBILE PHONE}

1 is a system configuration diagram showing the structure of a financial transaction history inquiry system using a mobile communication terminal according to the present invention.

2 is a configuration diagram showing a system configuration of a mobile communication terminal according to the present invention.

3 is a diagram showing the structure of a card applet of a smart card.

4 is a flowchart illustrating a financial transaction history inquiry method using a mobile communication terminal according to the present invention.

The present invention relates to a method for querying transaction details of a financial transaction. In more detail, when the account inquiry is performed using a mobile communication terminal and the number of transactions is large, a part of the transaction number is transmitted to the mobile communication terminal and the other part is transmitted separately. It relates to a transaction history inquiry method using a mobile communication terminal capable of financial transactions.

In general, when using a wireless service using a wireless communication, the service is performed in a state in which the mobile communication terminal is connected to a server providing a wireless service from the start point of service to the end point. At this time, the session key is generated initially during the synchronization process between the mobile communication terminal and the server, and the communication is encrypted and decrypted using the generated session key to maintain the security of the communication. At this time, in the process of communication, the communication message is divided into a common message and an individual message. A single message is delivered while the session is open, and then a plurality of individual messages are delivered until the service is terminated. Use wireless service.

In the case of the account inquiry, about 250 transactions are recorded in the wireless financial server. Since the mobile communication terminal has a low processing power of the CPU, a lot of time is required for security processing to encrypt a lot of data. It is not desirable to receive and process data, typically sending up to 100 transactions. Therefore, when the number of financial transactions is more than 100, the user receives a communication message about the transaction details several times while the mobile communication terminal and the wireless financial server are connected to allow the user to grasp the transaction details.

However, financial transactions such as account inquiry should be very important and stable. In the conventional wireless service, the session key is exposed because several messages are transmitted once the session is open. There is a concern that financial transaction problems may occur, and wireless communication may become unstable due to communication disconnection during service use. In addition, there is a problem that the wireless service is made in the state of being always connected to overload the mobile communication system and the wireless service server.

In addition, if the wireless service is continuously performed while the session is open, there is a problem that the user is reluctant to use the service due to the burden on the wireless communication cost.

Therefore, the present invention was created to solve the problems of the prior art, the object of the present invention can be used to securely and conveniently look up the account anywhere using a mobile communication terminal, especially users with a large number of financial transactions It is to provide a transaction history inquiry method using a mobile communication terminal capable of financial transactions to facilitate the use of the account inquiry service by providing information about the account inquiry smoothly.

In order to achieve the above object, the financial transaction history inquiry method using the mobile communication terminal according to the present invention, the smart transaction is stored in the account information for the financial transaction is built in the financial transaction history using the mobile communication terminal capable of financial transactions A method for receiving a financial transaction history inquiry request from a mobile communication terminal connected through a communication network, a second step of exchanging a session key with a mobile communication terminal through a handshake process, from a mobile communication terminal, The third step of receiving the financial service message encrypted by the session key, including information necessary for the inquiry of the financial transaction history, decrypts the received financial service message using the session key, and extracts the financial transaction request for inquiry. In the fourth step, the number of financial transactions can be transmitted to the mobile terminal at once. A fifth step of judging whether or not the set number is greater than a predetermined number, and classifying the financial transaction history into a predetermined number of transactions and a predetermined number of additional transactions if the number of financial transactions exceeds a predetermined number; and And a sixth step of generating a response message including the details, encrypting the message using a session key, transmitting the response message to the mobile communication terminal, and then releasing a communication connection with the mobile communication terminal. It contains the next key area where the account number to be viewed, the start date of inquiry, the end date of inquiry, and the next key for requesting additional transaction details are recorded, and indicate the response expert, a certain number of transactions, and the presence of additional transactions. And a next key region in which an additional transaction presence region and a next key are recorded.
Preferably, the fifth step includes a fifth step of generating a next key when the number of financial transaction details exceeds a predetermined number, and the sixth step is added to an additional transaction presence area of the response message. Step 6-1 of recording a value indicating that there is a transaction history; Step 6-2 of recording a next key generated in step 5-1 in the next key area of the response message; and Additional transaction details and 5- And a step 6-3 in which the next key generated in step 1 is stored together in a database, and steps 6-1 to 6-3 are performed regardless of the order. At this time, if there is no value recorded in the next key area of the financial service specialist, the fourth step extracts the financial transaction details from the bank's financial server, and if the next key is recorded in the next key region of the financial service specialist, The fourth step is the financial transaction history, which extracts additional transaction history stored with the next key in the database. In addition, the next key recorded in the next key area of the financial service professional is the next key recorded in the next key area of the response professional.

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The present invention will be more clearly understood from the following description, in comparison with the prior art, with reference to the accompanying drawings.

1 is a system configuration diagram showing the structure of a financial transaction history inquiry system using a mobile communication terminal capable of financial transactions according to the present invention. Financial transaction history inquiry system according to the present invention is composed of a mobile communication terminal 10, a wireless financial server 30 and a wireless communication server (20).

Mobile communication terminal 10 has a smart card is built, the application is installed to use the financial transaction services using the information contained in the smart card, the embedded smart card information of the smart card, the user's bank account Information about the information, login information, and authentication key information is stored encrypted. In addition, the mobile communication terminal 10 prepares and encrypts a financial service text using an application and transmits it to the wireless financial server 30 through the wireless communication network 40 using the wireless communication server 20.

The wireless financial server 30 is linked with the mobile communication terminal 10 to allow wireless financial transactions. Specifically, the wireless financial server 30 exchanges the session key with the mobile communication terminal 10 in the handshake process, processes one financial service message transmitted from the mobile communication terminal, and responds to the received financial service message. After writing and transmitting the full message, the connection with the mobile communication terminal 10 is released.

In addition, the wireless financial server 30 is provided with a database 31 for storing a record of the financial transaction history, when the account inquiry request signal is input through the mobile communication terminal 10 is stored the financial transaction history of the bank Receives financial transaction details from a bank server (not shown). At this time, when the number of transactions generated after a predetermined period or the last account inquiry becomes a certain number or more, the wireless financial server 30 generates a 'next key', the transaction history within the predetermined number (first A message indicating that there is a transaction history (second transaction history) except for a transaction history, a next key, and a first transaction history is recorded in the response message. The second transaction is stored in the database 31 with the next key. In addition, when a financial service telegram having the next key stored in the database 31, i.e., the value indicating the next key, is input from the mobile communication terminal, the wireless financial server 30 enters into the database 31 next. After grasping the information on the second transaction stored with the key, the response message is written by recording the information on the second transaction in the response. At this time, if the number of the second transaction history recorded in the response message to send again also exceeds the number of transmissions to the mobile communication terminal 10, generates the next key as above, the generated next key, the second transaction history In the response message, a message indicating that there is a transaction history (third transaction history) excluding a certain number of transactions in the predetermined number of transactions and the second transaction is recorded. The third transaction is stored in the database 31 along with the generated next key. When the financial service message with the next key is input again, the third transaction is stored in the response message.

The wireless communication server 20 allows communication between the mobile communication terminal 10 and the wireless financial server 30 and the mobile communication terminal 10 and the wireless communication server 20 uses a wireless communication network 40 and wireless A dedicated line is connected between the communication server 20 and the wireless financial server 30. The wireless communication server 20 serves as a gateway between the mobile communication terminal 10 and the wireless financial server 30. In addition, the mobile communication terminal 10, the wireless financial server 30 and the wireless communication server 20 uses the TCP / IP protocol.

2 is a block diagram showing the system configuration of a mobile communication terminal capable of financial transactions according to the present invention, Figure 3 is a diagram showing the structure of the card applet of the smart card. Referring to Figures 2 and 3 as follows.

In the mobile communication terminal 10, a smart card 15 is embedded, and a mobile communication terminal OS (Operation System) 14 for driving the mobile communication terminal 10, a wireless banking application for using a wireless financial service ( 11), a virtual machine (VM: 12), a wireless gold, which provides an environment that is suitable for operation in the mobile communication terminal OS 14, the applications embedded in the mobile communication terminal 10 to provide a variety of services A card manager 13 that serves as an interface between the application 11 and the smart card 15 is configured. In the smart card 15, there is a card applet 16, which is an application program of the smart card 15, and stores pin information 17 and account information 18 for authentication. As shown in FIG. 3, the card applet 16 stores information about an authentication key in the pin information 17, and account information, personal information, deposit account information, and login information are stored in the account information 18.

The wireless banking application 11 requests information from the card applet 16 through the card manager 13 in order to use the information in the smart card 15, and the card manager 13 operates the mobile communication terminal OS 14. Communicate with the card applet 16 via the communication. The card applet 16 reads the information of the pin information 17 for authentication, performs authentication, and transmits the account information 18 value to the wireless banking application 11 when authenticated. The wireless banking application 11 is provided with an encryption module to create a financial service specialty using information on the smart card 15 and information formed through manipulation of the user's mobile communication terminal 10 and exchange with a wireless banking server. A session key is encrypted using a session key. In addition, the wireless banking application 11 also decrypts the response message transmitted from the wireless banking server 30 using the session key.

In addition, the wireless banking application 11 enables the user to use the financial transaction service by driving the wireless banking application 11 through the mobile communication terminal OS 14 using the virtual machine 12. Therefore, various menus and financial transaction results for using the financial transaction service are displayed on the display window of the mobile communication terminal 10 by the wireless financial application 11.

Figure 4 is a flow chart illustrating a financial transaction history inquiry method using a mobile communication terminal capable of financial transactions in accordance with the present invention. A description with reference to FIG. 4 is as follows.

In order to use the account inquiry during the wireless financial transaction, the user drives the wireless financial application 11 of the mobile communication terminal 10 to input a user ID and password (ST 100). If the entered user ID and password are correct, the user is authenticated (ST 110), and the wireless banking application 11 displays the bank account number on the display window of the mobile communication terminal 10 to use the bank account number displayed by the user. To use the account inquiry (ST 120). If the entered user ID and password are not correct, enter the user ID and password again. In addition, the user may have a plurality of accounts. In this case, the user may select one of the plurality of accounts to inquire (ST 130).

When the user selects one account among the plurality of accounts, the wireless banking application 11 allows the financial service professional to prepare a transaction history inquiry (ST 140). Financial services specializations are divided into common specializations and individual specializations. Common specializations are shown in Table 1, and individual specializations are shown in Table 2.

NO Contents property Length One Customer identification number C 8 2 User password C 8 3 Service code C 6 4 Smart card serial number C 16 5 Carrier Code C 4 6 VM Classification Code C One 7 Applet Version Information C 10 8 VM version information C 10 9 Cell Phone Number C 14 10 Electronic Bank Key Version C 2 11 Mobile phone model name C 10

NO Contents property Length One Next key C 32 2 Account Number C 4 3 password C 8 4 Start date P 8 5 View end date P 13 6 Resident business number C 13 7 Response method C One

The attributes of Table 1 and Table 2 indicate the type of characters to be input, where C is a character, P is a number, and C-H is a Korean and English character input possible.

At this time, the area of the next key (field 1 of Table 2) in the individual message is left empty.

Then, when the user inputs a specific button (for example, a button indicating the completion of the financial service professional) of the mobile communication terminal 10, the wireless financial application 11 of the mobile communication terminal 10 is a wireless communication network 40 It is connected to the wireless financial server 30 through (ST 150). When the mobile communication terminal 10 and the wireless financial server 30 is connected, the wireless financial server 30 and the mobile communication terminal 10 exchanges a session key and uses the session key in the mobile communication terminal 10 to provide financial services. After encrypting the full text is transmitted to the wireless financial server 30 (ST 160).
The wireless financial server 30 decrypts the encrypted financial service message using the session key, processes the financial service message transmitted from the mobile communication terminal 10, and then transmits a response message for the processed result to the mobile communication terminal. End the session (ST 170). In detail, first, the wireless financial server 30 grasps the information of the mobile communication terminal 10 and the information on the smart card through the common text among the decrypted financial service texts, and the user account, etc. through the individual texts. Understand the information. In addition, the wireless financial server 30 writes the response message of the financial service professional to the account inquiry. The response message sent from the wireless financial server 30 to the mobile communication terminal 10 is also composed of the common message and the individual message, Table 3 shows the individual message of the response message.

NO Contents property Length One Next key C 32 2 Additional transaction C 4 3 Deposit type C 8 4 Total balance P 8 5 Withdrawable balance P 13 6 Number of arrays C 13 7 Array C One

Each of the response messages has an additional transaction status area that indicates whether the number of transactions in the account is more than a certain number.If the number of transactions in the account inquiry exceeds the above number, additional transactions are added to the additional transaction status area. Set that there is a record and create the next key and record it in the next key area (field 1 of table 3) of the individual messages among the response messages. On the other hand, when the number of transactions is within the predetermined number, the additional transaction is set in the additional transaction presence area and the next key is not generated. The next key may consist of a serial number or any one number. In addition, the wireless financial server 30 stores the transaction history (additional transaction history) exceeding the predetermined number of transaction history in a separate database 31 or memory with the next key. The wireless financial server 30 encrypts the written response message using the session key and transmits it to the user's mobile communication terminal 10 and ends the session.

The mobile communication terminal 10 decodes the response message transmitted from the wireless financial server 30 using the session key to grasp the response message and displays it for the user to see. At this time, if there is an additional transaction history in the area of additional transactions of individual specialists among the response messages, the mobile communication terminal 10 informs the user that there is an additional transaction history so that the user can determine whether to display the additional transaction history. (ST 180).

When the user requests the display of additional transaction details (ST 190), the process after step ST 150 is performed again. The mobile communication terminal 10 accesses the wireless financial server 30 through a wireless communication network, exchanges session keys again during the handshake process, and prepares a financial service text. At this time, the next key recorded in the next key area of the response message transmitted from the wireless financial server 30 is recorded in the next key area of the individual message among the financial service messages prepared in step ST 160. The written financial service text is encrypted using the session key and transmitted to the wireless financial server 30. In step ST 170, the wireless financial server 30 decrypts the financial service text using the session key, and if the next key is recorded in the next key area of the individual text, the next key and the additional transaction details are stored. Find database or memory and write response text using additional transaction details. The wireless financial server 30 encrypts the response message using the session key, transmits the message to the mobile communication terminal 10, and ends the session. At this time, in preparing the response message using the additional transaction history information, if the number of additional transaction details also exceeds the predetermined number, that is, if there is another additional transaction history, the additional transaction presence area of the response message The additional transaction will be set. In addition, another next key is generated and recorded in the next key area to be transmitted to the mobile communication terminal 10. At this time, another generated next key and another additional transaction is of course stored together in the database 31 or memory. This series of steps is repeated until the user stops requesting confirmation of additional transactions or no further transactions occur.

Therefore, in the case of using financial services at all times, the financial service specialty is composed of a common specialty and an individual specialty, and a session is terminated after one financial service specialty is transmitted and there is one response.

According to the transaction history inquiry method using a mobile communication terminal capable of financial transactions according to the present invention, when the number of financial transactions exceeds a range that is inquired by the mobile communication terminal for a predetermined period of time, the number of the ranges that are inquired by the mobile communication terminal is first transmitted. When the mobile terminal displays the inquiry details, and the user requests an inquiry other than the number of ranges in which the user is inquired, the remaining inquiry results are sent to the mobile terminal for display on the mobile terminal so that the mobile terminal can display the data. Keep the numbers in place so as not to put a heavy load on the mobile communication terminal.

In addition, the user can fully know the financial transaction results through the mobile communication terminal, it is possible to reduce the communication cost of the mobile communication terminal.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (5)

As a method for inquiring financial transaction details using a mobile communication terminal capable of financial transactions with a built-in smart card that stores account information for financial transactions, A first step of receiving an inquiry request of the financial transaction history from the mobile communication terminal connected by using a communication network; Exchanging a session key with the mobile communication terminal through a handshake process; A third step of receiving, from the mobile communication terminal, a financial service message including information necessary for inquiry of the financial transaction history and encrypted by a session key; A fourth step of decrypting the received financial service telegram using the session key and extracting a financial transaction request for inquiry; It is determined whether the number of the financial transaction history is more than a predetermined number set to be transmitted to the mobile communication terminal at one time. When the number of the financial transaction history exceeds the predetermined number, the financial transaction history is included in the predetermined number of ranges. A fifth step of classifying the transaction details and additional transaction details exceeding the predetermined number; And A sixth step of generating a response message including the transaction history, encrypting the message using the session key, transmitting the response message to the mobile communication terminal, and then releasing a communication connection with the mobile communication terminal; The financial services specialist, And a next key area in which an account number for querying the financial transaction details, an inquiry start date, an inquiry end date, and a next key for requesting the additional transaction details are recorded. The above response expert, And a next key area in which the next key is recorded, and a next transaction area indicating the presence or absence of the additional transaction history. The method of claim 1, The fifth step, If the number of the financial transaction history exceeds the predetermined number, the step 5-1 of generating the next key, The sixth step, Step 6-1 of recording a value indicating that there is an additional transaction in the additional transaction presence region of the response message; Step 6-2 of recording the next key generated in step 5-1 in the next key area of the response message; And Step 6-3 for storing the additional transaction history and the next key generated in the step 5-1 together in a database, Step 6-1 to step 6-3 are performed regardless of the order financial transaction history inquiry method using a mobile communication terminal. The method of claim 2, If there is no value recorded in the next key area of the financial service specialist, The fourth step, Financial transaction history inquiry method using a mobile communication terminal, characterized in that for extracting the financial transaction history from the financial server of the bank. The method of claim 2, When the next key is recorded in the next key area of the financial service specialist, The fourth step, And extracting the additional transaction details stored in the database along with the next key as the financial transaction details. The method of claim 1, And the next key recorded in the next key region of the financial service specialist is the next key recorded in the next key region of the response specialist.

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