KR100980641B1

KR100980641B1 - Banking system using transmitting/receiving of message and control method thereof

Info

Publication number: KR100980641B1
Application number: KR1020080043303A
Authority: KR
Inventors: 이주호
Original assignee: 주식회사 아레오네트웍스
Priority date: 2008-05-09
Filing date: 2008-05-09
Publication date: 2010-09-07
Also published as: KR20090117312A

Abstract

The present invention relates to a financial transaction system using a text message transmission and reception and a control method thereof. Financial transaction system using a text message transmission and reception according to the present invention, a financial transaction for transmitting a text message containing information for financial transactions in a predetermined format using the transaction bank identification number selected by the user as a text message destination number A mobile communication terminal; A financial transaction relay server for receiving a text message having the called bank identification number as a called number, generating a financial transaction request message according to the received text message, and transmitting the generated text message to a banking company financial transaction processing server corresponding to the called number; An account number matching a mobile communication terminal unique number for a financial transaction included in a financial transaction request message received from the financial transaction relay server; Extracts from the database, and comprises a banking company financial transaction processing server for processing a financial transaction according to the financial transaction request message for the bank account corresponding to the extracted account number.

Description

Financial transaction system using text message transmission and reception and control method {BANKING SYSTEM USING TRANSMITTING / RECEIVING OF MESSAGE AND CONTROL METHOD THEREOF}

The present invention relates to a financial transaction system using a transmission and reception of a text message and a control method thereof. More particularly, the present invention relates to a financial transaction system using a mobile communication terminal. It relates to a financial transaction system and a control method thereof.

Modern people frequently conduct financial transactions for personal or business purposes. For example, you can check the balance or withdrawal details of your bank account, or transfer a certain amount to another person's account.

To this end, banks offer various ways to allow customers to conduct financial transactions with less time or space constraints in consideration of user convenience.

Examples include Internet banking, which supports financial transactions over the Internet, and phone banking, which supports financial transactions over the telephone.

In addition, banks have tried to provide a means for customers to conduct financial transactions more conveniently in order to attract customers and improve customer satisfaction.

On the other hand, due to the development of mobile communication network, related communication technology, and electronic communication technology, mobile communication terminals have become an essential portable device for modern people. In response, mobile communication companies are providing various services using mobile phones.

For example, a user may browse the web through a wireless Internet using a mobile phone or watch a digital multimedia broadcasting (DMB) broadcast. As such, when a financial transaction is performed using a mobile phone, the portable terminal device receives less time and space constraints, thereby increasing user convenience.

However, in spite of the convenience of the mobile phone, it is still uncomfortable for users to perform financial transactions such as account transfer and account inquiry using the mobile phone.

Conventionally, for financial transactions using a mobile phone, for example, Internet banking through wireless Internet, a virtual machine (VM) module is installed in a mobile phone, or an ARS (Automatic Response System) like a conventional landline phone. Had to use).

However, such a conventional financial transaction using a mobile phone has a disadvantage that the process is complicated or expensive to process.

In other words, it is relatively expensive when using the wireless Internet, and when using a virtual machine, it is cumbersome to install the virtual machine in a mobile phone, and when using the ARS, it is necessary to perform a financial transaction while listening to each step of voice. In addition to this, there is a problem that correction is not easy when a typo occurs during input.

Therefore, there is a demand for a method of making a financial transaction more easily using a mobile communication terminal.

The present invention has been made in order to satisfy the above-mentioned conventional necessity, a financial transaction system using a transmission and reception of a text message that allows a mobile communication terminal user to create and transmit a predetermined message such as a short message according to a specific rule so that the financial transaction is processed. It is to provide a control method.

In order to achieve the above object, a financial transaction system using a text message transmission and reception according to the present invention includes a transaction bank identification number selected by a user as a text message destination number, and includes information for financial transaction in a predetermined format. A mobile communication terminal for financial transactions for transmitting a text message; A financial transaction relay server for receiving a text message having the called bank identification number as a called number, generating a financial transaction request message according to the received text message, and transmitting the generated text message to a banking company financial transaction processing server corresponding to the called number; An account number matching a mobile communication terminal unique number for a financial transaction included in the financial transaction request message transmitted from the financial transaction relay server; Is extracted from the database, and comprises a banking company financial transaction processing server for processing the financial transaction according to the financial transaction request message for the bank account corresponding to the extracted account number.

In addition, the control method of the financial transaction system using the transmission and reception of the text message according to the present invention to achieve the above object, the financial transaction mobile communication terminal using the transaction bank identification number selected by the user as a text message destination number, Transmitting a text message containing information necessary for a financial transaction in a predetermined format; The financial transaction relay server receiving a text message from the mobile terminal for financial transactions generates a financial transaction request message according to the received text message and transmits the generated financial transaction request message to the bank company financial transaction processing server corresponding to the transaction bank identification number. Wow; The banking company financial transaction processing server having a database including user account data matching the mobile terminal unique number and the account number obtains the mobile terminal unique number for the financial transaction from the financial transaction request message received from the financial transaction relay server. Extracting and extracting an account number corresponding to the extracted mobile communication terminal unique number for the financial transaction from the database, and processing a financial transaction according to the financial transaction request message for a bank account corresponding to the extracted account number; It is done by

As described above, according to the present invention, the user of the mobile communication terminal can perform a financial transaction by simply creating and transmitting a text message in a specific format in the same manner as sending a text message to another person.

Since text messages have a lower cost than other communication methods of a mobile communication terminal, text messages have a low cost in processing financial transactions.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Financial transaction system using a text message transmission and reception according to an embodiment of the present invention is a financial transaction mobile communication terminal 100, financial transaction relay server 200, bank company financial transaction processing server ( 300). Here, the financial transaction relay server 200 and the bank company financial transaction processing server 300 does not necessarily need to be configured with physical hardware, but may be configured by software. Furthermore, although the term "server" is used for both the financial transaction relay server 200 and the banking company financial transaction processing server 300, it does not necessarily need to be configured in an independent form, and any one may be configured as another software module. It may be. A more detailed description thereof will be provided later.

The financial transaction mobile terminal 100 refers to a portable wireless communication device, such as a mobile phone, PDA (Personal Digital Assistants) having a text message transmission function, in particular used for financial transactions' mobile communication terminal 100 for financial transactions It's not just used for financial transactions.

The financial transaction mobile communication terminal 100 transmits a text message containing the financial transaction information of a predetermined format prepared by the user, using the transaction bank identification number selected by the user as the text message destination number.

Herein, the selection of the bank identification number by the user includes a case where the bank ID is selected by the user as well as being directly input by the user.

For example, the bank identification number may include a combination of special characters and numbers. For example, the identification number of Shinhan Bank may be '# 5858'. Here, Shinhan Bank as a bank and '# 5858' as its identification number are just examples, and can be changed as many as possible.

Although not specifically illustrated in the present embodiment, the mobile communication network is provided with a Short Message Service Center (SMSC), and performs a function of delivering a text message transmitted from the mobile communication terminal to a corresponding text message destination number. Since the transmission process is well known, a detailed description thereof will be omitted.

In this embodiment, although the called number of the text message transmitted from the mobile communication terminal corresponds to the identification number of the specific bank, the financial transaction relay server 200 serves as a gateway for the text message to each bank as described below. Since the SMSC of the mobile communication network delivers a text message transmitted from the mobile communication terminal to the financial transaction relay server 200.

The financial transaction relay server 200 generates a financial transaction request message according to a text message received from the mobile communication terminal 100 for financial transaction, and sends the generated financial transaction request message to a transaction bank identification number (ie, a text message incoming). Number corresponding to the banking company financial transaction processing server 300. To this end, the financial transaction relay server 200 should store data in which the bank identification number and the bank company financial transaction processing server 300 address (for example, IP address: Internet Protocol address) match.

In this embodiment, the financial transaction relay server 200 generates a predetermined message (for example, a financial transaction request message) by modifying a text message received from the mobile terminal to generate another message including additional information. In addition, it is meant to include the text content of the text message received from the mobile communication terminal as it is, and to change only the form to match the communication protocol with the banking company financial transaction processing server 300. That is, it also includes performing a kind of forwarding function.

Furthermore, messages generated by the financial transaction relay server 200 such as a financial transaction request message may be made of text or binary data in a format different from that of a text message transmitted from the mobile communication terminal 100 for financial transactions, and also a bank. It may also include only predetermined information or data contracted with the private financial transaction processing server 300.

That is, the format or form of the information generated by the financial transaction relay server 200 and transmitted to the banking financial transaction processing server 300 may be variously changed.

In addition, the financial transaction relay server 200 transmits a text message according to the response of the banking company financial transaction processing server 300 to the mobile communication terminal. This process also requires the operation of a device related to message transmission, such as a short message transmission center provided in a mobile communication network, but the detailed description is omitted since it is well known.

Sending a text message from a mobile terminal to a specific server is called a mobile originated (MO) service, and vice versa for sending a text message from a specific server or a specific computer to a mobile terminal. Called service. For example, sending a text message to a mobile communication terminal so that the message is displayed at the bottom of the TV cable broadcasting screen is a MO service, and accesses a specific web site using a computer to send a text message to another mobile terminal. The transmission corresponds to the MT service.

Therefore, in the present embodiment, transmitting the text message to the financial transaction relay server 200 by the mobile communication terminal 100 for a financial transaction may correspond to an MO service, and a predetermined text message may be transmitted from the financial transaction relay server 200. What is transmitted to the mobile communication terminal 100 for financial transactions may correspond to the MT service.

Communication between the financial transaction relay server 200 and the bank company financial transaction processing server 300 may be encrypted.

An example of a functional block configuration of the financial transaction relay server 200 is illustrated in FIG. 2A.

As shown in the figure, the financial transaction relay server 200 may include an MO interface unit 210, an MT interface unit 220, an encryption communication module 230, and a database unit 240.

The MO interface unit 210 performs a function of receiving a text message from the mobile communication terminal 100 for financial transactions, and the MT interface unit 220 receives a text message according to the response of the banking company financial transaction processing server 300. It performs a function of transmitting to the mobile communication terminal 100 for financial transactions.

The database unit 240 stores a bank company financial transaction processing server 300 address, for example, an IP (Internet Protocol) address, which matches a text message called party number received from a mobile communication terminal.

The encryption communication module 230 performs an interface function for communication with the banking company financial transaction processing server 300 and simultaneously encrypts the communication contents. The cryptographic communication module 230 may generate a random number for cryptographic communication. When the encryption of the communication data is not necessary, only an interface for communication with the banking company financial transaction processing server 300 may be provided instead of the encryption communication module 230.

Meanwhile, the banking company financial transaction processing server 300 includes a database including user account data in which a mobile communication terminal unique number and an account number match, and finance from a financial transaction request message received from the financial transaction relay server 200. A unique number of the mobile communication terminal 100 for transaction is extracted, and an account number corresponding to the extracted unique number of the mobile communication terminal 100 for financial transaction is extracted from the database.

The bank account corresponding to the extracted account number is processed by the financial transaction request message received from the financial transaction relay server 200.

Here, processing the financial transaction not only allows the actual account balance to be transferred to another account, such as an account transfer, but also extracts the corresponding information so that the customer can view or verify the account information and transmits it to the mobile communication terminal 100 for financial transaction. It also includes.

In addition, the banking company financial transaction processing server 300 needs to receive predetermined information, for example, an account password, a service use password, etc. from the mobile communication terminal according to the financial transaction to be processed, a message for guiding this. Can be generated. At this time, by generating and forwarding a new reply number, the mobile communication terminal 100 for financial transactions and the connection for financial transactions may be maintained.

Here, maintaining the connection state between the banking company financial transaction processing server 300 and the mobile communication terminal 100 for financial transactions does not mean that the communication channel or line is actually kept occupied, but for financial transactions. This means that it is possible to confirm that the text message transmitted from the mobile communication terminal 100 includes a text message including predetermined information (for example, an account password, etc.) associated with the previously requested financial transaction. In other words, it also means to perform the function to overcome the non-connectivity of text message transmission and reception. A more detailed description thereof will be described later.

An example of a functional block configuration of a banking company financial transaction processing server 300 that performs the functions described above is illustrated in FIG. 2B.

As shown in the figure, the banking company financial transaction processing server 300 includes a message interpreter 340, a message generator 330, a reply number generator 320, a database 350, and an encryption communication module 310. It may be configured to include).

The message interpreter 340 performs a function of interpreting and processing a financial transaction request message received from the financial transaction relay server 200. For example, the unique number of the mobile communication terminal 100 for a financial transaction from the financial transaction request message. And extract an account number corresponding to the extracted unique number of the mobile communication terminal 100 for financial transactions from the database.

In addition, the message analyzing unit 340 analyzes the message transmitted from the financial transaction mobile communication terminal 100 from the financial transaction request message to determine which financial transaction is requested, and further includes whether a security card number or the like is included. Judge.

That is, the text message transmitted from the mobile communication terminal 100 for financial transactions is prepared in a predefined format, and the message analyzer 340 determines what information is included in the text message based on the predefined format. Interpret / Judge

The message generator 330 generates a message for requesting additional information necessary for a financial transaction, or performs a function for generating a message after the financial transaction is processed.

The reply number generator 320 performs a function of generating a reply number for maintaining the connection state for each financial transaction.

The database unit 350 includes information such as account information and transaction history of each customer. In particular, the database unit 350 includes user account data in which a unique ID and an account number of the mobile communication terminal match.

The encrypted communication module 310 configures a communication interface with the financial transaction relay server 200 and further performs a function of enabling encrypted communication. Here, the encryption communication module 310 may be connected to the encryption communication module 230 of the financial transaction relay server 200 by a dedicated line. That is, when the bank company financial transaction processing server 300 and the financial transaction relay server 200 are operated by different operators, for example, the bank company financial transaction processing server 300 and the financial transaction relay server 200 Although it may be connected to each other through the Internet network, when the bank company financial transaction processing server 300 and the financial transaction relay server 200 is operated / managed by the same operator, for example, the bank company financial transaction processing server 300 and The financial transaction relay server 200 may be connected by a dedicated line to exclude the connection of another network.

Furthermore, the functional block configuration of the bank company financial transaction processing server 300 and the financial transaction relay server 200 is for explaining the functions of the bank company financial transaction processing server 300 and the financial transaction relay server 200. It is just one example, and the bank company financial transaction processing server 300 and the financial transaction relay server 200 may be configured as one hardware. In this case, the cryptographic communication modules 230 and 310 of FIGS. 2A and 2B configured in the banking company financial transaction processing server 300 and the financial transaction relay server 200 may also be omitted internally.

In the above embodiment, the financial transaction mobile communication terminal 100 communicates with the financial transaction relay server 200 via a base station and a mobile communication network, and the financial transaction relay server 200 is a banking company financial transaction processing server through the Internet network. It is configured to communicate with the 300, but the configuration of the communication network between each device can be changed as much as of course.

Hereinafter, a method of controlling a financial transaction system using text message transmission and reception according to an embodiment of the present invention will be described with reference to FIGS. 3A to 4.

First, an example of a process of transferring money using a text message will be described with reference to FIG. 3A.

The financial transaction mobile communication terminal 100 user inputs an account transfer text message in a specific format as shown in FIG. 5 (a) so that the mobile communication terminal generates a text message (step S1).

In this embodiment, each field is separated by using a delimiter '*', '43180201135963' entered in the first field corresponds to the other party's account number to be transferred, and 'Kookmin Bank' in the second field is The other bank to which the account is to be transferred, and '53000' in the third field means the amount to be transferred.

As such, the user of the financial transaction mobile communication terminal 100 which has created a text message for bank transfer enters the identification number of his or her bank in the recipient of the text message. Here, the identification number of the bank may be a combination of special characters and numbers.

In FIG. 5 (a), the transaction bank identification number is input as '# 5858', and '# 5858' may correspond to, for example, Shinhan Bank.

When requesting the transmission of the text message created using the transaction bank identification number as the called number, the mobile communication terminal transmits the text message to the mobile communication network (step S3).

In order to transmit a text message, a text message center, such as a short message center of a mobile communication network, needs to go through a device that is responsible for delivering a text message.

However, the text message transmission process according to the present embodiment may be regarded as a kind of MO service in that the text message transmission process is transmitted from the mobile communication terminal to a server on a predetermined network, unlike the text message transmission process between general mobile communication terminals.

The financial transaction relay server 200 receiving the text message transmitted from the mobile communication terminal 100 for financial transaction is the address of the bank company financial transaction processing server 300 corresponding to the called number (that is, the transaction bank identification number). For example, IP Address: Internet Protocol Address) is extracted (step S5).

To this end, the financial transaction relay server 200 should store data in which the bank identification number and the bank company financial transaction processing server 300 address match.

Subsequently, the financial transaction relay server 200 generates and encrypts a financial transaction request message (step S7), wherein the financial transaction request message is a text message received from the mobile communication terminal 100 for financial transaction and the mobile communication for financial transaction. Terminal 100 may include a unique number. Here, the financial transaction request message generated by the financial transaction relay server 200 does not necessarily have to be configured in the form of a text message transmitted from the mobile communication terminal 100 for financial transactions as described above. 300 only need to be in a predetermined data format for the transmission and reception of predetermined information.

The financial transaction mobile terminal 100 unique number may be a phone number of the financial transaction mobile communication terminal 100 for transmitting a text message, or may be a unique serial number of the terminal, such a terminal identification number is a text When the message is transmitted, it is preferable to use a forgery or forgery among those transmitted to the financial transaction relay server 200 through the mobile communication network. When the unique number of the financial transaction mobile communication terminal 100 is a phone number, the financial transaction relay server 100 may be transmitted to the financial transaction relay server 200 by the calling number display service.

Receiving the encrypted financial transaction request message (step S9), the banking company financial transaction processing server 300 decrypts the financial transaction request message and analyzes the contents (step S11).

As such, the encrypted transaction is performed between the financial transaction relay server 200 and the banking company financial transaction processing server 300 so that the confidentiality of the communication contents can be guaranteed even if the contents are intercepted in the middle. Therefore, when the financial transaction relay server 200 does not need to encrypt all the information, the financial transaction relay server 200 may partially encrypt only the content that requires confidentiality.

As the encryption method between the financial transaction relay server 200 and the banking company financial transaction processing server 300, a symmetric key encryption method or a public key encryption method may be used. In the case of using the symmetric key encryption method, the financial transaction relay server 200 may be used. And the bank company financial transaction processing server 300 must be provided with the same pre-generated secret key, when using a public key encryption method, a mutual public key exchange process is further required.

The bank company financial transaction processing server 300 analyzing the financial transaction request message first processes a user authentication confirmation based on the unique number of the mobile communication terminal 100 for financial transaction included in the financial transaction request message (step S11).

That is, the banking company financial transaction processing server 300 is provided with a database unit 350 including user account data matching the mobile terminal unique number and account number (step S8), the banking company financial transaction processing server ( 300 may perform a user authentication process by checking whether the unique number of the financial transaction mobile communication terminal 100 included in the financial transaction request message is registered in the database unit 350.

When the customer opens an account in the bank in order to ensure that the unique identification number and account number of the mobile communication terminal are matched and stored in the database 350, a process of applying by inputting a mobile communication terminal phone number or wireless Internet through a mobile communication terminal, etc. Joining process may be further included.

The banking company financial transaction processing server 300 may additionally check whether the user of the mobile communication terminal 100 for financial transaction is authorized to use the financial transaction service using a text message. That is, when the financial transaction service permission information using the mobile terminal unique number and the text message is matched and additionally stored in the database unit 350, the banking company financial transaction processing server 300 uses the matching information to perform financial transaction. It may be determined whether to perform financial transaction processing based on the text message transmitted from the mobile communication terminal 100.

When the user authentication is made, the bank company financial transaction processing server 300 checks the owner name corresponding to the counterpart account number included in the text message (that is, the financial transaction request message) through a communication through a financial communication network (not shown). (Step S15).

That is, referring to Figure 5 (a), the banking company financial transaction processing server 300 inquires who owns the account of the 'Kookmin Bank' account number '43180201135963' to the server provided to Kookmin Bank, etc. Check the owner's name. Since the process of checking who owns the account for the transfer of funds is generally known through a financial communication network, detailed description thereof will be omitted.

In the same way as described above, the bank company financial transaction processing server 300 confirming the owner name of the account receiving the transfer generates a reply number using a random number (step S17).

Here, the reply number corresponds to a called number for transmitting additional information later in the mobile communication terminal 100 for financial transactions, so as not to be duplicated in connection with a large number of financial transactions and to make it difficult for others to guess easily. Generated random numbers may be included.

The random number generated here may be generated by using random numbers generated for the encrypted communication when the random number is generated for the encrypted communication between the financial transaction relay server 200 and the banking company financial transaction processing server 300. The associated load can be reduced.

In this case, both the financial transaction relay server 200 and the bank company financial transaction processing server 300 may be configured to simultaneously generate and use a random number, which is generated by the financial transaction relay server 200 and then the bank company financial transaction. It may be configured to transmit to the processing server 300 for use.

The banking company financial transaction processing server 300 matches the generated reply number with the financial transaction progress and temporarily stores it (step S18). Here, the banking company financial transaction processing server 300 may also store and match the generated reply number with the telephone number of the financial transaction mobile communication terminal 100 requesting the financial transaction. The telephone number of the financial transaction mobile communication terminal 100 may correspond to, for example, a caller's telephone number delivered to the financial transaction relay server 200 by a conventional CID (Caller IDentification) service.

Subsequently, the banking company financial transaction processing server 300 generates an input request message for additional information (for example, a bank security card number) for bank transfer (step S19). Owner name and reply number may be included. And the called number of the additional information input request message may be a phone number of the mobile communication terminal 100 for financial transactions.

The reply number may be a combination of the extracted random number and the bank identification number. For example, when the extracted random number is '123456789', the reply number is '# 5858' which is a combination of the bank identification number '# 5858' and the random number '123456789'. Can be '.

Receiving the encrypted additional information input request message from the banking company financial transaction processing server 300 (step S21), the financial transaction relay server 200 first performs decryption processing (step S23).

Most of the information transmitted between the bank company financial transaction processing server 300 and the financial transaction relay server 200 may be encrypted as described above, but the encryption process may be omitted when the need for confidentiality is small. The same applies to the encryption process performed in the following steps.

The financial transaction relay server 200 generates the additional information input request text message based on the decoded additional information input request text message and transmits the generated text to the mobile communication terminal 100 for financial transaction (step S25). The reply number of the message is generated by the banking company financial transaction processing server 300 to be a reply number included in the additional information input request message.

An example of a screen of the financial transaction mobile communication terminal 100 that receives and displays additional information input request text message from the financial transaction relay server 200 is illustrated in FIG. 5 (b).

Referring to FIG. 5 (b), it can be seen that a message is displayed to transmit a text message including 'Hyungsoo Kim', the owner name of the account receiving the transfer, and a bank security card number for the transfer of the account. In addition, it can be seen that the reply number of the text message is '# 585812456789' described above.

Subsequently, when the user of the financial transaction mobile communication terminal 100 prepares a bank security card number as shown in FIG. 5 (c) and requests a transmission to the reply number, the financial transaction mobile communication terminal 100 transfers the account created by the user. The additional information text message is transmitted (step S27).

Here, the mobile communication network is set to be transmitted to the financial transaction relay server 200 for text messages to all reply numbers starting with '# 5858' (this is between the carrier and the company managing the financial transaction relay server 200). Can be made by a contract), and thus, the above-mentioned transfer account additional information text message is transmitted to the financial transaction relay server 200 using the called number '# 5858123456789'.

The financial transaction relay server 200 extracts the address of the bank company financial transaction processing server 300 to which the text message is to be transmitted, based on the incoming number of the received bank transfer additional information text message (step S29).

For example, when the information of the database unit 240 is configured so that all the called numbers beginning with '# 5858' are connected to the banking company financial transaction processing server 300 corresponding to Shinhan Bank, the banking company financial transaction processing server 300 may extract the IP address of the banking company financial transaction processing server 300 of Shinhan Bank for the text message having the called number '# 5858123456789'.

Subsequently, the financial transaction relay server 200 generates and encrypts a financial transaction request message including an account transfer additional information text message (ie, a bank security card number) (step S31) and transmits it to the banking company financial transaction processing server 300. (Step S33). In this case, the called number '# 5858123456789' is also included in the financial transaction request message.

The bank company financial transaction processing server 300 decodes the financial transaction request message received from the financial transaction relay server 200 and then analyzes or analyzes the corresponding message (step S35).

First, the banking company financial transaction processing server 300 determines whether there is a temporarily stored reply number that matches the called number included in the financial transaction request message (step S37). If there is a matching reply number, the bank company financial transaction processing server 300 may check what financial transaction processing was being performed.

Here, the banking company financial transaction processing server 300 for the financial transaction delivered through the financial transaction relay server 200, instead of determining whether the incoming number included in the financial transaction request message and the pre-stored reply number match. As a method of determining whether a reply number matching the telephone number (ie, the CID) of the mobile communication terminal 100 is pre-stored, the financial transaction status currently in progress with the mobile communication terminal 100 for financial transactions may be checked. That is, the information to be compared in order to maintain the connection state between the financial transaction mobile communication terminal 100 and the bank company financial transaction processing server 300 may be variously changed / configured.

That is, the banking company financial transaction processing server 300 is any financial processing is performed with the mobile communication terminal 100 for financial transactions when the incoming number of the financial transaction request message corresponds to the reply number previously generated and transmitted. We can confirm whether there was.

Accordingly, the banking company financial transaction processing server 300 adds '# 3658' (see FIG. 5 (c)) included in the financial transaction request message received as the called number to '# 5858123456789' before the bank transfer itself. You will see that it corresponds to the requested bank credit card number.

As such, the reply number generated by the banking company financial transaction processing server 300 serves to maintain a connection state between the banking company financial transaction processing server 300 and the mobile communication terminal 100 for financial transactions.

That is, the text message has a structure that transmits unilaterally from one side to the other, which makes it difficult to maintain the connection state. If the reply number is properly used as in this embodiment, the connection state can be maintained. .

In particular, a financial transaction requires a process of requesting and transmitting predetermined information for authentication processing. In this case, a reply number is used to maintain a connection state between the financial transaction mobile terminal 100 and the banking company financial transaction processing server 300. Can be used.

On the other hand, the bank company financial transaction processing server 300 when the bank security card number included in the financial transaction request message matches the security card number of the account associated with the unique number of the mobile communication terminal 100 for financial transactions (step S39). The requested account transfer processing is performed (step S41), and a transfer result message is generated and transmitted to the financial transaction relay server 200 (step S43). In this case, the called number becomes the phone number of the mobile communication terminal 100 for financial transactions, and since the financial transaction processing is completed, the reply number may be '# 5858' corresponding to the original bank identification number.

The financial transaction relay server 200 transmits the transfer result text message to the financial transaction mobile communication terminal 100 (step S45), and the financial transaction mobile communication terminal 100 displays it (step S47).

An example in which a transfer result text message is displayed on the mobile communication terminal 100 for a financial transaction is illustrated in FIG. 5 (d).

Accordingly, the user of the mobile communication terminal can make a money transfer from his financial account to another person's account by creating and transmitting a text message to his mobile communication terminal.

In the above embodiment, the financial transaction relay server 200 is only responsible for the communication relay between the financial transaction mobile communication terminal 100 and the bank company financial transaction processing server 300 and is transmitted from the financial transaction mobile communication terminal 100. Analyzing the actual content of the text message to the bank company financial transaction processing server 300 has been described as an example.

That is, in the above-described embodiment, the financial transaction relay server 200 receives a text message transmitted from the mobile communication terminal 100 for financial transaction and transmits the text message to the bank company financial transaction processing server 300, and further, the bank company financial transaction. A message transmitted from the processing server 300 is generated as a text message and transmitted to the mobile communication terminal 100 for financial transactions. In addition, analyzing the contents included in the text message transmitted from the mobile communication terminal 100 for financial transactions, generating a message requesting additional information required for bank transfer, generating a reply number, etc. The transaction processing server 300 is made.

However, the financial transaction relay server 200 and the bank company financial transaction processing server 300 may be configured as substantially one piece of hardware or at least the financial transaction relay server 200 and the bank company financial transaction processing server 300 may be connected to each other. If the communication to maintain the bank company financial transaction processing server 300 may be in charge of the financial transaction relay server 200.

This example is described with reference to FIG. 3B.

As described above, it is assumed that the connection state is maintained between the financial transaction relay server 200 and the bank company financial transaction processing server 300 in the present embodiment. By staying connected here, from the program's point of view, it means that one socket remains open from the start of the financial transaction processing (for example, the bank transfer processing) to the end.

In the description of this embodiment, the description of parts that can be understood with reference to the above embodiments may be omitted.

First, when the financial transaction mobile communication terminal 100 transmits the account transfer text message prepared as shown in FIG. 5 (a) according to the user's key operation (step S51) with the called number '# 5858' (step S53). The financial transaction relay server 200 analyzes the received text message (step S55) to determine that the corresponding text message is a text message relating to the bank transfer request, and sends the account transfer processing request message to the banking company financial transaction processing server 300. Transmit (step S57).

When the bank company financial transaction processing server 300 determines that the user is registered based on the unique number of the mobile communication terminal 100 for financial transactions included in the bank transfer processing request message, that is, when user authentication is made (step S59). ) The owner of the account receiving the transfer based on the account number included in the account transfer processing request message is confirmed through the financial communication network (step S61).

When the owner name of the account receiving the transfer from the bank company financial transaction processing server 300 is received (step S63), the financial transaction relay server 200 generates a text message for requesting additional information input (step S65). The additional information input request message includes a name of the owner of the account to be transferred and a bank security card number required for the transfer.

In addition, the financial transaction relay server 200 generates a random number to generate and temporarily store a reply number including the random number and the bank identification number (step S67). For example, the reply number may be '# 585823456789'.

Subsequently, the financial transaction relay server 200 transmits the additional information input request text message to the financial transaction mobile communication terminal 100 (step S69). At this time, the reply number of the text message becomes the generated reply number '# 585823456789'. .

An example in which the additional information input request text message is displayed on the display unit of the mobile communication terminal 100 for financial transactions is illustrated in FIG. 5 (b).

When the user inputs the requested bank security card number using the text message reply function and transmits the text message as shown in FIG. 5 (c) using the reply number '# 5858123456789' as the called number (step S71), the financial transaction relay server. 200 compares the called number and the temporarily stored reply phone number (step S73).

That is, the financial transaction relay server 200 may maintain a connection state (what financial transaction is in progress) with the mobile communication terminal 100 for financial transactions in a manner of confirming a reply telephone number identical to the called number. Specifically, the financial transaction relay server 200 may determine that the number '2436' included in the text message is a response to the bank credit card by comparing the called number and the reply phone number.

The financial transaction relay server 200 analyzes the received text message and transmits the bank security card number '2436' to the banking company financial transaction processing server 300 (step S77), and the banking company financial transaction processing server 300 If the received bank security card number '2436' matches the security card number of the user's trading account of the financial transaction mobile terminal 100 (step S79), the bank transfer is processed (step S81) and the result is relayed. The server 200 transmits to the server 200 (step S85).

The financial transaction relay server 200 generates a transfer result text message and transmits the generated text message to the financial transaction mobile communication terminal 100 (step S87), and the financial transaction mobile communication terminal 100 is transferred as shown in FIG. 5 (d). The result message is displayed (step S89).

In the present embodiment, the financial transaction relay server 200 and the bank company financial transaction processing server 300 have been described separately, but as described above, the financial transaction relay server 200 and the bank company financial transaction processing server 300 are one. Of course, it may be configured as hardware.

In this case, the financial transaction relay server 200 may be mounted in one module form of the banking company financial transaction processing server 300. As such, when the financial transaction relay server 200 and the bank company financial transaction processing server 300 are configured as one hardware, messages transmitted and received between the financial transaction relay server 200 and the bank company financial transaction processing server 300 are internal. The data generated by the financial transaction relay server 200 and the data generated by the bank company financial transaction processing server 300 may be shared with each other.

Hereinafter, a process in which the user of the financial transaction mobile communication terminal 100 receives transaction history information from a bank account by transmitting a text message will be described with reference to FIG. 4.

According to the user's key operation, the financial transaction mobile communication terminal 100 generates an account inquiry text message (step S101) and transmits it to the mobile communication network (step S103). Here, the text message written by the user is supposed to follow a specific format, and the called number corresponds to the bank identification number.

An example of a text message created and transmitted by a user is illustrated in FIG.

As shown in the figure, based on the delimiter '*' of the text message created by the user, the first field 'lookup' means to search the deposit and withdrawal history of the user account, and the second field '2436' is the account password. to be.

And the called number '# 5858' corresponds to, for example, Shinhan Bank identification number.

The financial transaction relay server 200 receiving the text message as shown in FIG. 6 (a) through the mobile communication network analyzes the received text message (step S105) and confirms that the text message is a text message requesting an account inquiry.

Subsequently, the financial transaction relay server 200 generates a financial transaction request message for an account inquiry request (step S107) and transmits it to the banking company financial transaction processing server 300 (step S109). Here, the financial transaction request message includes a unique number of the mobile communication terminal 100 for a financial transaction, an account password, and the like.

Here, the unique number for the financial transaction mobile communication terminal 100 may be, for example, a mobile communication terminal telephone number as information received through a mobile communication network when a text message is transmitted to the mobile communication terminal. It can also be a serial number.

As such, the unique number of the mobile communication terminal 100 for a financial transaction is used for authentication processing of a financial transaction using a text message and should be registered in advance with the banking company financial transaction processing server 300.

The bank financial transaction processing server 300 receiving the financial transaction request message from the financial transaction relay server 200 first performs an authentication process using a unique number of the mobile communication terminal 100 for financial transaction (step S111). In step S113, it is determined whether the account password is authorized to access the account.

When the account access authentication is made, the bank company financial transaction processing server 300 extracts transaction history information from the corresponding account (step S115) and transmits it to the mobile transaction terminal 100 for financial transactions through the financial transaction relay server 200. (Step S117).

The financial transaction mobile communication terminal 100 having received the transaction history information is displayed as shown in FIG. 6 (b) so that the user can check the transaction history of the account. Referring to FIG. 6 (b), as an example, the withdrawal amount is marked with a '-' and the deposit amount is marked with a '+'. Such an indication may be transmitted as already added by the banking company financial transaction processing server 300. In addition, the financial transaction relay server 200 may be added in the process of changing the transaction history received from the banking company financial transaction processing server 300 so that the user may view it easily.

Here, the bank company financial transaction processing server 300 may be configured to transmit the transaction history information to the mobile transaction terminal 100 for financial transactions directly through the mobile communication network without passing through the financial transaction relay server 200. to be.

In the case of using the financial transaction mobile communication terminal 100 to check the account as in the present embodiment, the password may be transmitted first, but as described in the previous embodiment (account transfer related), the text message to first 'look up' The first embodiment may be modified in such a manner that after the first transmission, the account password is inputted and transmitted later based on a reply text message received from the banking company financial transaction processing server 300.

In addition, the present embodiment may be modified in such a manner that a user of the mobile communication terminal 100 for financial transactions composes and transmits a text message specifying his / her account number. For example, when a user of a mobile communication terminal 100 for financial transactions composes and transmits a text message with a content such as "inquiry * 13912136477 * 2436", the bank company financial transaction processing server 300 is a mobile communication terminal for the financial transaction. Account inquiry processing may be performed on the account (ie, '13912136477') specified in the text message among the accounts matched with 100.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. It is to be understood that such variations and modifications are intended to be included in the scope of the appended claims.

1 is a schematic configuration diagram of a financial transaction system using transmission and reception of a text message according to an embodiment of the present invention,

2A and 2B are functional block diagrams of the financial transaction relay server and the bank company financial transaction processing server of FIG. 1, respectively.

3A to 4 are control flowcharts of a financial transaction system using a text message transmission and reception according to an embodiment of the present invention.

5 and 6 are views illustrating examples of contents displayed on a display unit of the mobile communication terminal for financial transactions of FIGS. 3A to 4.

* Explanation of symbols for the main parts of the drawings

100: mobile communication terminal for financial transactions 200: financial transaction relay server

300: bank company financial transaction processing server 210: MO interface unit

220: MT interface unit 230, 310: encrypted communication module

240,350: database unit 320: reply number generation unit

330: message generator 340: message interpreter

Claims

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Transmitting, by the mobile communication terminal for financial transactions, a text message containing information necessary for financial transactions in a predetermined format, using the transaction bank identification number selected by the user as a text message destination number;

A financial transaction relay server, which includes an Internet address of each banking financial transaction processing server and encrypts and communicates with each banking financial transaction processing server, receives a text message from the mobile communication terminal for the financial transaction, and according to the received text message. Generating a financial transaction request message and transmitting it to a banking company financial transaction processing server corresponding to the transaction bank identification number;

The banking company financial transaction processing server having a database including user account data matching the mobile terminal unique number and the account number obtains the mobile terminal unique number for the financial transaction from the financial transaction request message received from the financial transaction relay server. Extract and confirm an account number corresponding to the extracted mobile transaction terminal unique number for the financial transaction from the database, generate a reply number including a bank identification number and a predetermined random number, and receive the generated reply number. Matching and storing the current financial transaction progress according to the financial transaction request message, and generating an additional information input request text message including the reply number and transmitting the text message to the mobile communication terminal via the financial transaction relay server; ;

Transmitting, by the financial transaction mobile communication terminal receiving the additional information input request text message, the additional information text message input by the user using the reply number as the called number;

The banking company's financial transaction processing server receiving the additional information text message transmitted by the financial transaction mobile terminal compares the called number of the additional information text message with the previously stored reply number, and determines the pre-stored financial transaction progress. And processing the financial transaction after performing authentication processing using the additional information included in the received additional information text message.

The method of claim 7, wherein

The control method of the financial transaction system using the transmission and reception of the text message, characterized in that any one of the account inquiry request message and the transfer request message is sent to the financial transaction relay server to the financial transaction relay server. .

The method of claim 8,

Transmitting, by the financial transaction mobile terminal, a text message including an account inquiry request message and a transaction account password;

Transmitting, by the financial transaction relay server, a financial transaction request message including the received text message to the banking company financial transaction processing server;

The banking company financial transaction processing server performs an authentication verification process on the extracted transaction account using the transaction account password included in the received financial transaction request message, and if the authentication is performed, the account inquiry of the financial transaction request message Extracting the transaction details of the corresponding transaction account according to the request message and transmitting the transaction details to the mobile communication terminal for the financial transaction through the financial transaction relay server; .

The method of claim 8,

Transmitting, by the financial transaction mobile terminal, a text transfer request message, a counterpart account number, and a transfer amount;

Analyzing, by the financial transaction relay server, the received text message, generating a financial transaction request message corresponding to a bank transfer request, and transmitting the generated financial transaction request message to the banking company financial transaction processing server;

The bank company financial transaction processing server checks the owner's name of the corresponding account through the financial communication network using the counterpart account number included in the received financial transaction request message, and includes the confirmed owner name and the account transfer verification code request message. The additional information input message to the financial transaction mobile communication terminal through the financial transaction relay server, and using the account transfer authentication code received from the financial transaction mobile communication terminal through the financial transaction relay server. Performing a verification process for the authentication, and if the authentication is made, transferring the transfer amount from the transaction account to the account corresponding to the counterpart account number. .

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