KR20000037108A - The method of dealing with financial institutions and its system using cellular phone - Google Patents

Abstract

PURPOSE: A method and a system for transaction with a financial institute using a mobile are provided to maintain security by encoding various information transmitted and received between a dude server and a mobile terminal. CONSTITUTION: A bank server(1) executes various bank transaction services by a user's request according to various information inputted from a dude server(5). The dude server(5) reconfigures various information received through communication unit such as a base station(8), a telephone exchanger(7), an interface part(6), etc., into a format suitable for the bank server(1) and provides the result to the bank server(1). The dude server(5) reconfigures answer information output from the bank server(1) into a format for communication and provide it to a mobile terminal(9) of a user. To maintain security for various information, the dude server(5) encodes information transmitted to the mobile terminal(9) and decodes information received from the mobile terminal(9).

Description

The method of dealing with financial institutions and its system using cellular phone}

The present invention relates to a method for trading with a financial institution using a mobile terminal and a system therefor, and more particularly, to display various transaction details between a user and a financial institution on a mobile terminal, and according to a user's request using the mobile terminal. The present invention relates to a general method of inquiry such as account balance inquiry, account transaction history inquiry, credit card inquiry, and a transaction method with a financial institution using a mobile terminal to enable a transfer operation such as a credit card service, and a system therefor.

The telebanking service currently provided using ARS had to listen to explanations by voice and operate many buttons one by one, and there is a fear of input information leaking. In addition, telebanking using a computer terminal has a disadvantage of not only installing a separate program for this purpose but also using space is limited to a space where a computer is installed.

The present invention has been made to solve the above drawbacks, it is possible to check the transaction history with the financial institutions and users, such as banks, securities companies, insurance companies, card companies, etc. without using a separate device other than a mobile terminal, It is an object of the present invention to provide a method for trading with a financial institution using a mobile terminal and a system therefor that can provide various services from a financial institution.

It is also an object of the present invention to provide a method for trading with a financial institution using a mobile terminal and a system therefor to code the various information transmitted and received between a server for a manager and a mobile terminal to maintain security.

1 is a schematic block diagram showing a system for trading with a financial institution using a mobile terminal according to the present invention.

2 to 4 are flowcharts illustrating a transaction method with a financial institution (bank) using a mobile terminal according to the present invention.

5 to 8 are flowcharts illustrating a transaction method with a financial institution (a securities company) using a mobile terminal according to the present invention.

9 is a flowchart illustrating a transaction method with a financial institution (insurer) using a mobile terminal according to the present invention.

10 to 11 are flowcharts illustrating a transaction method with a financial institution (card company) using a mobile terminal according to the present invention.

※ Explanation of code about main part of drawing ※

1: bank server 2: securities server

3: insurance use server 4: card use server

5: Administrator server 6: Interface unit

7: telephone exchange 8: base station

9: mobile terminal DB: database

Transaction method with a financial institution (bank) using a mobile terminal according to the present invention for achieving the above object, the first step of connecting the user's mobile terminal to the server for the administrator via a communication means; A second step of determining whether the user is normal by receiving the user's ID and password by operating the mobile terminal, and selecting a bank transaction service such as balance inquiry, transaction history inquiry, and account transfer to be provided from a specific bank. Step 3, the fourth step of checking the identity by receiving the bank and account number and password by the operation of the mobile terminal, and executes the bank transaction service according to the user's request after being connected to the bank server of the selected bank The fifth step and the transaction according to the execution of the bank transaction service Information read out to be characterized in that the sixth step of displaying a predetermined browser, the mobile terminal equipped with the communication means.

In the fifth step, when the balance is inquired, the server for the bank preferably executes a bank transaction service for retrieving the balance which retrieves the balance information of the user from the transaction information of the database. In addition, when the transaction history query, the server for the bank receives the information according to the operation of the mobile terminal, sets the inquiry date for inquiring the transaction history, and retrieves the transaction history information for searching the transaction history information of the relevant period from the transaction information of the database. It is desirable to implement a banking service for After the transfer, the bank server checks the transfer password, receives the information according to the operation of the mobile terminal, and is connected to the input bank online according to the information of the input bank, the account number, the deposit amount, and the database of each bank. It is preferable to perform a bank transaction service for the transfer of funds to transfer the deposit amount to the corresponding account number based on the transaction information of.

Preferably, when a new bank product or promotional advertisement is generated in the embodiment of the present invention, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a short message transmission service for the new product or various promotional advertisements ( By providing a user with a short message service (SMS), various information for the promotion of the bank can be delivered to the customer.

A transaction method with a financial institution (a securities company) using a mobile terminal according to the present invention includes a first step of connecting a user's mobile terminal to a server for a manager via a communication means, and a user's ID by operating the mobile terminal. A second step of determining whether the user is normal by inputting a password and a password, and a third step of selecting a stock trading service such as stock sale, stock purchase, correction, cancellation, inquiry, and confirmation of confirmation, which the user wants to receive from a specific securities company; A fourth step of confirming whether the user receives the account number and password of the securities company by operation of the mobile terminal; and a fifth step of executing the stock trading service according to the user's request after being connected to the securities use server of the selected securities company. And read the transaction information according to the execution of the stock trading service. It is characterized in that the sixth step of displaying a predetermined browser, the mobile terminal equipped with the communication means.

In the fifth step, when the stock is used to buy / buy, the server using the securities receives information according to the operation of the mobile terminal, selects the type of stock to buy / buy, and then sets the item, transaction volume, and selling / buying unit price of the stock to be traded. It is desirable to implement a stock trading service to buy / buy stocks. In addition, upon correction / cancellation, the securities usage server receives the information according to the operation of the mobile terminal, retrieves the stock transaction information corresponding to the original order number, and transmits it to the mobile terminal, and corrects the trading volume and unit price of the stock according to the user's request It is desirable to implement a stock trading service to cancel / cancel. And, when querying various stock trading services, receives information according to the input of the operation of the mobile terminal, selects one of a plurality of stock trading services, searches a stock server and a web server for various stock trading services connected thereto, It is desirable to execute various service queries for.

Preferably, when a new stock product or promotional advertisement is generated in the embodiment of the present invention, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a new message or various promotional advertisements to a short message transmission service ( By providing a user with a short message service (SMS), it is possible to deliver a variety of information for the promotion of the securities company to the customer.

In addition, the transaction method with a financial institution (insurance company) using a mobile terminal according to the present invention, the first step of connecting the user's mobile terminal to the administrator server via a communication means, and the user by the operation of the mobile terminal The second step of determining whether the user is normal by inputting the ID and password of the user, and receiving the insurance company, the insurance type, and the account number by the operation of the mobile terminal. And a fourth step of reading the information on the insurance processing state and displaying the information on the insurance processing state on the mobile terminal through the communication means.

Preferably, when a new insurance product or promotional advertisement is generated in the embodiment of the present invention, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a short message transmission service for the new product or various promotional advertisements ( By providing a user with a short message service (SMS), it is possible to deliver a variety of information for the promotion of the insurance company to the customer.

Finally, the transaction method with a financial institution (card company) using a mobile terminal according to the present invention, the first step of connecting the user's mobile terminal to the server for the administrator via a communication means, and by the operation of the mobile terminal A second step of determining whether the user is normal by receiving the user's ID and password; and a third step of selecting a card transaction service such as inquiry of payment balance, remaining limit, point inquiry, and cash service inquiry to be provided from a specific card company. And a fourth step of checking whether the bank and the card company, the card number, and the password are input by the operation of the mobile terminal, and connecting to the card use server of the selected card company, and requesting the card use server according to the user's request. Perform card transaction service by searching connected database And a fifth step, and reads the transaction information according to the execution of the transaction card service that is characterized in that the sixth step of displaying a predetermined browser, the mobile terminal equipped with the communication means.

The card transaction service in the fifth step may include one or more of payment balance inquiry, remaining limit inquiry, point inquiry, and cash service inquiry.

In step 5, when the cash service inquiry is performed, the manager server receives the cash service limit information from the card use server, receives information according to the operation of the mobile terminal, sets a bank, an account number, and a deposit amount for receiving the cash service. It is preferable to perform a card transaction service which confirms the recipient and transfers the set amount to the account number of the bank.

Preferably, when a new card product or promotional advertisement is generated in the embodiment of the present invention, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a short message transmission service for the new product or various promotional advertisements ( By providing a user with a short message service (SMS), various information for the promotion of the card company can be delivered to the customer.

The system for financial transactions with financial institutions, such as banks, securities companies, insurance companies, card companies, etc. as described above, is equipped with a predetermined browser for receiving various financial transaction services from each financial institution and for requesting various financial transaction services. A mobile terminal for inputting various information and displaying various financial transaction service information provided from each financial institution, and communication means for connecting the mobile terminal and a server for an administrator to transmit and receive information according to a user's request; Reconstructs various information through the communication means in a form suitable for a server for a financial institution and provides it to the server for the financial institution, reconstructs the response information from the server for the financial institution into a form for communication, and transmits the information through the communication means. It is connected to a database for storing the information on the transaction history of the administrator server and the user provided to the mobile terminal and executes various financial transaction services according to the user's request in accordance with various information from the server for the administrator and the result is the manager It is characterized in that the server for financial institutions to provide to the server for.

The server for a financial institution may include at least one of a server for banks, a server for using securities, an insurance server, and a card server.

The mobile terminal is configured to encrypt and decrypt information transmitted and received with the administrator server by a predetermined algorithm, and the administrator server is also configured to encrypt and decrypt information transmitted and received with the mobile terminal by a predetermined algorithm. It is desirable to maintain security. In addition, the communication means, the server for managers, the server for managers and the server for financial institutions are preferably configured to be connected by a dedicated line to transmit and receive various information.

Hereinafter, various embodiments of the present invention will be described with an exemplary drawing. In the following embodiments, banks, securities companies, insurance companies and card companies are described separately, but in practice, one or more of banks, securities companies, insurance companies and card companies are described. It can be connected to each other to provide various financial transaction services.

Example 1

Among financial institutions such as banks, securities companies, insurance companies, and credit card companies, the configuration for bank transaction services in banks is as shown in Fig. 1, a server for banks 1 having a database (DB) and a server for managers (5). ), A communication means composed of an interface unit 6, a telephone exchange 7 and a base station 8, a mobile terminal 9 and the like.

More specifically, the banking server 1 executes various banking services according to a user's request according to various information input from an administrator server 5: dude server and provides the result to the administrator server 5. The bank server 1 is connected to a database (DB) storing information on transaction details between the bank and the user.

The manager server 5, which has received various information through communication means such as the base station 8, the telephone exchange 7, and the interface unit 6, reconfigures it into a form suitable for the bank server 1, and then, for the bank server. On the other hand, the answer information output from the bank server 1 is reconfigured into a form for communication and provided to the user's mobile terminal 9 through the above communication means.

At this time, the administrator server 5 is provided with a predetermined algorithm for encryption, and encrypts the information transmitted to the mobile terminal 9, on the contrary, decrypts the information received from the mobile terminal 9 to secure the various information. I can keep it. Of course, the mobile terminal 9 described below is also equipped with a predetermined algorithm for encryption, which encrypts the information sent to the administrator server 5 and conversely receives the information received from the administrator server 5. By decrypting, various types of information can be kept secure.

Finally, the mobile terminal 9 is equipped with a predetermined browser for displaying a plurality of transaction services provided from a plurality of banks, and is configured to input various information for requesting various transaction services required by the user. have. In other words, a plurality of keys and a display window are exposed on the surface of the mobile terminal 9.

In particular, a communication means composed of a base station 8, a telephone exchange 7 and an interface unit 6, an administrator server 5, and an administrator server 5 and a bank server 1 are connected by a dedicated line. Various information is transmitted and received at high speed.

The operation of the present invention configured as described above will be described for each transaction service with a bank by referring to FIGS.

The user connects the mobile terminal 9 to the manager server 5 via the base station 8, the telephone exchange 7, and the interface unit 6 in order to receive various transaction services from the bank as shown in FIG. After inputting the ID and password by operating the mobile terminal 9 (S21) (S21), the administrator server 5 searches for customer information in a database (not shown) to confirm whether the user's ID and password are normal. (S24).

When the wrong ID or password is input, the administrator server 5 outputs an error message indicating this by driving the browser of the mobile terminal 9 (S23). However, if it is determined that the user ID and password of the legitimate user, the server for the administrator (5) provides a message for selecting a financial institution, such as banks, securities companies, insurance companies, card companies by driving the browser of the mobile terminal (9) (S25) do.

When the user selects a bank among a plurality of financial institutions, the server for the manager 5 again runs a browser of the mobile terminal 9 to send a message for selecting a bank transaction service such as balance inquiry, transaction history inquiry, and account transfer. Output (S26).

When the user makes a balance inquiry among a plurality of bank transaction services, the server for administrator 5 searches the database (not shown) to check whether the account information of the corresponding user is registered (S27).

When the account information is registered, the administrator server 5 drives the browser of the mobile terminal 9 to read a bank and account number that the user can select from the database, and outputs the corresponding bank and account number (S28). )do. However, if the account information is not registered, the administrator server 5 drives the browser of the mobile terminal 9 and outputs a message for the user to input the corresponding bank code and account number one by one (S29) (S30).

After inputting the bank and account number, the user operates the mobile terminal 9 to input the password of the bank account to be traded (S31), and the server for the manager 5 is the server for the bank to which the user wishes to trade. Send to (1). Then, the banking server 1 searches the database DB to determine whether the password of the corresponding account number is justified (S32), and transmits the result to the administrator server 5.

If the passwords are different, the bank server 1 and the administrator server 5 require re-entry of the password. However, if the passwords match, the banking server 1 retrieves the balance information of the corresponding account number from the database DB as in a normal bank (S33) and transmits it to the administrator server 5.

Then, the manager server 5 transmits the balance information of the user to the mobile terminal 9 through the base station 8, the telephone exchange 7 and the interface unit 6 (S34). Accordingly, the user can check the balance information of the specific account number through the browser of the mobile terminal 9.

In FIG. 3, when the user connects the mobile terminal 9 to the server 5 for the manager via the base station 8, the telephone exchange 7, and the interface 6 (S41), the server for the manager 5 is According to the operation of the mobile terminal 9, it is confirmed whether the user is normal (S42) (S43) (S44) and a financial institution is selected (S45).

After selecting a financial institution, the manager server 5 again drives a browser of the mobile terminal 9 to output a message for selecting a bank transaction service such as balance inquiry, transaction history inquiry, and account transfer (S46).

When the user makes a transaction history inquiry among a plurality of bank transaction services, the server for the administrator 5 searches the database (not shown) to check whether the account information of the corresponding user is registered (S47).

In addition, when the account information is registered, the server for administrator 5 drives a browser of the mobile terminal 9 to read a bank and account number that the user can select from a database, and outputs the corresponding bank and account number (S48). )do. However, if the account information is not registered, the administrator server 5 drives the browser of the mobile terminal 9 to output a message for the user to input the corresponding bank code and account number one by one (S49) (S50).

After inputting the bank and account number, the user operates the mobile terminal 9 to input the password of the bank account to be traded (S51), and the server for the manager 5 is the server for the bank to which the user wants to trade. Send to (1). Then, the bank server 1 searches the database DB to determine whether the password of the corresponding account number is justified (S52), and transmits the result to the manager server 5.

If the passwords are different, the bank server 1 and the administrator server 5 require re-entry of the password. However, when the passwords match, the bank server 1 drives the browser of the mobile terminal 9 so that the inquiry date can be entered next. After inputting the inquiry date, the bank server 1 retrieves transaction details of the inquiry date of the corresponding account number from the database DB (S54) and transmits it to the administrator server 5 as in a normal bank.

Then, the manager server 5 transmits the transaction history information of the user to the mobile terminal 9 through the base station 8, the telephone exchange 7 and the interface unit 6 (S55). Accordingly, the user can check the transaction information of the specific account number through the browser of the mobile terminal 9.

Finally, as shown in FIG. 4, the user transfers the mobile terminal 9 to the manager server 5 via a communication network between the base station 8, the telephone exchange 7, and the interface unit 6, as shown in FIG. When connecting (S61), the administrator server 5 checks whether the user is normal according to the operation of the mobile terminal (9) (S62) (S63) (S64) and selects a financial institution (S65).

After selecting a financial institution, the manager server 5 again drives a browser of the mobile terminal 9 to output a message for selecting a bank transaction service such as balance inquiry, transaction history inquiry, and account transfer (S66).

When the user transfers funds among a plurality of bank transaction services, the server for the administrator 5 searches the database (not shown) to check whether the user's account information is registered (S67).

When the account information is registered, the administrator server 5 drives the browser of the mobile terminal 9 to read a bank and account number that the user can select from the database, and outputs the corresponding bank and account number (S68). )do. However, if the account information is not registered, the administrator server 5 drives the browser of the mobile terminal 9 to output a message for the user to input the corresponding bank code and account number one by one (S69) (S70).

After inputting the bank and account number, the user operates the mobile terminal 9 and inputs the password of the bank account to be transacted and the password for the account transfer (S71) (72), and the administrator server 5 sends the account transfer. After determining whether the password for the right is just sent to the server (1) for the bank that the user wants to trade. Then, the banking server 1 searches the database DB to determine whether the password of the corresponding account number is justified (S73), and transmits the result to the administrator server 5.

If the password is different, the server for banks 1 and the server for administrators 5 require re-entry of the password for bank account and account transfer. However, if the two passwords match, the administrator server 5 receives information such as input bank code, account number, and transfer amount inputted by the mobile terminal 9 by operation (S74) (S75) (S76). Afterwards, the browser of the mobile terminal 9 is driven and displayed so that the user can check it (S77).

When the user's input (S78) that the bank code, account number, and transfer amount is normal, the administrator server 5 transmits the corresponding information for bank transfer to the bank server 1, and the user requests the account. Transfer is to be made (S79).

After completing the account transfer according to the user's request in this way, the server for administrator 5 receives information such as the remitter, the recipient, the remittance account number, the remittance account number, the transfer amount, and the balance according to the transfer from the bank server 1. 8) and the mobile terminal 9 through the telephone exchange 7 and the interface unit 6 (S80). Accordingly, the user can not only transfer the account to the mobile terminal 9 but also check the information according to the account transfer through the browser of the mobile terminal 9.

In the above, only the services such as balance inquiry, transaction history inquiry, and account transfer in the bank requested by the customer are described. However, the present invention is not limited thereto, and the manager server 5 is used for banking products or various promotional items to be delivered to the customer by the bank. When an advertisement is generated, the mobile terminal number of the customer is searched by searching the database (not shown) and automatically dialed to connect the administrator server 5 and the mobile terminal 9, and then a short message service service (SMS). By providing banking products or various promotional advertisements to the corresponding customers, you can deliver new products or promotional materials to your customers while providing the services you want.

Example 2

Among financial institutions such as banks, securities companies, insurance companies, and card companies, the configuration for stock trading services in securities companies is as shown in FIG. ), A communication means composed of an interface unit 6, a telephone exchange 7 and a base station 8, a mobile terminal 9 and the like.

In more detail, the securities usage server 2 executes various stock trading services according to the user's request according to various information input from the administrator server 5: dude server and provides the result to the administrator server 5. The securities usage server 2 is connected to a database (DB) in which information on transaction details between the securities company and the user is stored.

The manager server 5 that has received various information through communication means such as the base station 8, the telephone exchange 7, and the interface unit 6 reconfigures it into a form suitable for the securities use server 2 and uses the securities use server. On the other hand, it is configured to reconstruct the answer information output from the securities usage server 2 into a form for communication and to provide it to the user's mobile terminal 9 through the above communication means.

At this time, the administrator server 5 is provided with a predetermined algorithm for encryption, and encrypts the information transmitted to the mobile terminal 9, on the contrary, decrypts the information received from the mobile terminal 9 to secure the various information. I can keep it. Of course, the mobile terminal 9 described below is also equipped with a predetermined algorithm for encryption, which encrypts the information sent to the administrator server 5 and conversely receives the information received from the administrator server 5. By decrypting, various types of information can be kept secure.

Finally, the mobile terminal 9 is equipped with a predetermined browser for displaying a plurality of transaction services provided by a number of securities companies, and is configured to input various information for requesting various transaction services required by the user. have.

In particular, the communication means composed of the base station 8, the telephone exchange 7 and the interface unit 6, the manager server 5, the manager server 5 and the securities use server 2 are connected by a dedicated line. Various information is transmitted and received at high speed.

The operation of the present invention configured as described above will be described for each transaction service with a securities company with reference to FIGS.

5, the user connects the mobile terminal 9 to the server 5 for the manager via the base station 8, the telephone exchange 7, and the interface unit 6 in order to receive various transaction services from the securities company as shown in FIG. After the operation S81, the mobile terminal 9 is operated to input the ID and password (S82). The administrator server 5 searches the customer information of the database (not shown) to check whether the user ID and password are normal. (S84).

When the wrong ID or password is input, the manager server 5 outputs an error message indicating this by driving a browser of the mobile terminal 9 (S83). However, if it is determined that the user ID and password of the legitimate user, the administrator server 5 provides a message for selecting a financial institution such as a bank, securities company, insurance company, card company by driving the browser of the mobile terminal 9 (S85). do.

When the user selects a securities company among a plurality of financial institutions, the manager server 5 again runs a browser of the mobile terminal 9 to select stock trading services such as cash sale / buy, correction / cancellation, inquiry and conclusion confirmation. Output a message to perform (S86).

If the user selects the cash buy / buy of a number of stock trading services, the server for the manager (5) checks the database (not shown) to check whether the account information of the user is registered (S87).

When the account information is registered, the manager server 5 drives the browser of the mobile terminal 9 to read the securities company and account number that the user can select from the database, and outputs the securities company and account number (S88). )do. However, if the account information is not registered, the manager server 5 drives the browser of the mobile terminal 9 and outputs a message for the user to input the securities company code and account number one by one (S89).

After the user selects / enters the account number and the account number, the user operates the mobile terminal 9 to input the password of the bank account to be traded (S90), and the server for the manager 5 exchanges the entered password for the security that the user wants to trade. Transfer to the use server (2). Then, the securities use server 2 searches the database DB to determine whether the password of the corresponding account number is justified (S91), and transmits the result to the administrator server 5.

If the password is different, the securities use server 2 and the administrator server 5 require re-entry of the password. However, if the passwords match, the manager server 5 drives the browser of the mobile terminal 9 to output a message for selecting the type of cash sale / buy (S92).

The user can select one of a designated price, a market price, a conditional designated price, and an after-hours. After the user selects the designated price, the administrator server 5 waits for input of the designated price. When the designated price is input (S94), the manager server 5 receives information such as item code (item name) S95, transaction amount S96, and the like inputted by the operation of the mobile terminal 9, and the securities usage server 2 Provided to make the normal cash sell / buy (S97).

Then, the manager server 5 transmits the information on the selling / buying of the user to the mobile terminal 9 through the base station 8, the telephone exchange 7, and the interface unit 6 (S98). Accordingly, the user can check the information on the sell / buy stock through the browser of the mobile terminal (9).

Next, when the stock transaction is corrected / cancelled, when the user connects the mobile terminal 9 to the manager server 5 via the base station 8, the telephone exchange 7, and the interface unit 6 (S101), The manager server 5 checks whether the user is normal according to the operation of the mobile terminal 9 (S102) (S103) (S104) and selects a financial institution (S105).

After selecting a financial institution, the manager server 5 outputs a message for selecting a stock trading service such as cash sale / buy, correction / cancellation, inquiry, and closing confirmation by driving the browser of the mobile terminal 9 again (S106). do.

When the user selects correction / cancellation among a plurality of stock trading services, the server for the manager 5 searches the database (not shown) to check whether the account information of the corresponding user is registered (S107).

When the account information is registered, the manager server 5 drives the browser of the mobile terminal 9 to read the securities company and the account number that the user can select from the database, and outputs the securities company and the account number (S108). )do. However, if the account information is not registered, the administrator server 5 drives the browser of the mobile terminal 9 and outputs a message for the user to input the securities company code and account number one by one (S109).

After entering the account number with the securities company, the user operates the mobile terminal 9 and enters the password of the bank account to be traded (S110), the server for the administrator (5) server using the securities using the user wants to trade (2) to send. Then, the securities usage server 2 searches the database DB to determine whether the password of the corresponding account number is justified (S111), and transmits the result to the administrator server 5.

If the password is different, the securities use server 2 and the administrator server 5 require re-entry of the password. However, if the passwords match, the securities usage server 2 then drives the browser of the mobile terminal 9 so that the order number can be entered. After entering the order number, the securities usage server 2 again outputs a message for selecting the type of correction / cancellation such as quantity correction, unit price correction, cancellation, etc. through the browser of the mobile terminal 9 (S114).

Subsequently, when the user selects the type of correction / cancellation, the manager server 5 transmits various information for correction / cancellation of the stock to be traded and the unit price to the securities use server 2, thereby allowing for normal stock trading. An operation for correcting / cancelling the trading volume and unit price of the stock is performed (S115).

Then, the manager server 5 transmits various information after the correction / cancellation in the stock transaction to the mobile terminal 9 through the base station 8, the telephone exchange 7, and the interface unit 6 (S116). . Accordingly, the user can check the corrected / canceled state of the transaction volume and unit price of the stock ordered through the browser of the mobile terminal 9.

FIG. 7 illustrates an inquiry of a stock trading service in a securities company, in which a user connects a mobile terminal 9 to a manager server 5 via a base station 8, a telephone exchange 7, and an interface unit 6. When connected to (S121), the administrator server 5 checks whether the user is normal according to the operation of the mobile terminal (9) (S122) (S123) (S124) and selects a financial institution (S125).

After selecting a financial institution as a securities firm, the server for the manager 5 again runs a browser of the mobile terminal 9 to output a message for selecting a stock trading service such as cash sale / buy, correction / cancellation, inquiry, and closing confirmation. (S126).

When the user selects a query among a plurality of stock trading services, the server for the administrator (5) checks the database (not shown) to check whether the account information of the user is registered (S127).

When the account information is registered, the manager server 5 drives the browser of the mobile terminal 9 to read the securities company and account number that the user can select from the database, and outputs the securities company and account number (S128). )do. However, if the account information is not registered, the manager server 5 drives the browser of the mobile terminal 9 and outputs a message for the user to input the securities company code and the account number one by one (S129).

After entering the account number with the securities company, the user operates the mobile terminal 9 and enters the password of the bank account to be traded (S130), the server for the administrator (5) server using the securities using the user wants to trade (2) to send. Then, the securities use server 2 searches the database DB to determine whether the password of the corresponding account number is justified (S131), and transmits the result to the administrator server 5.

If the password is different, the securities use server 2 and the administrator server 5 require re-entry of the password. However, if the passwords match, the securities usage server (2) runs the mobile terminal (9), KOSPI, KOSDAQ, current price, trading volume high, trading price high, upper limit, lower limit, reporting price, new price, Dow index, NASDAQ index, etc. After outputting 132, one of them waits to be selected.

When the user selects one of the plurality of inquiry types, the manager server 5 transmits the same to the securities use server 2 through a database or a communication network of the securities use server 2. The relevant information can be retrieved from the connectable server (S133).

Then, the manager server 5 transmits the specific inquiry information received from the securities usage server 2 to the mobile terminal 9 through the base station 8, the telephone exchange 7 and the interface unit 6 (S134). )do. Accordingly, the user can check various information necessary for stock trading through the browser of the mobile terminal 9.

Finally, the confirmation of the conclusion of the securities firm, as shown in Fig. 8, allows the user to connect the mobile terminal 9 to the server 5 for the manager via the communication network of the base station 8, the telephone exchange 7, and the interface unit 6; When connecting (S141), the administrator server 5 checks whether the user is normal according to the operation of the mobile terminal (9) (S142) (S143) (S144) and selects a financial institution (S145).

After selecting a securities firm among financial institutions, the manager server 5 again runs a browser of the mobile terminal 9 to output a message for selecting a stock trading service such as cash sale / buy, correction / cancellation, inquiry, and closing confirmation. (S146).

If the user selects a confirmation of the settlement of a plurality of stock trading services, the server for the administrator (5) checks the database (not shown) to check whether the account information of the user is registered (S147).

When the account information is registered, the manager server 5 drives the browser of the mobile terminal 9 to read the securities company and account number that the user can select from the database, and outputs the corresponding bank and account number (S148). )do. However, if the account information is not registered, the manager server 5 drives a browser of the mobile terminal 9 and outputs a message for the user to input the securities company code and account number one by one (S149).

After entering the account number with the securities company, the user operates the mobile terminal 9 and enters the password of the bank account to be traded (S150), the server for the administrator (5) server using the securities using the user wants to trade (2) to send. Then, the securities usage server 2 searches the database DB to determine whether the password of the corresponding account number is justified (S151), and transmits the result to the administrator server 5.

If the password is different, the securities use server 2 and the administrator server 5 require re-entry of the account and password. However, if the passwords match, the administrator server 5 displays a message for inputting a confirmation date by driving the browser of the mobile terminal 9 (S152).

When the confirmation date of the conclusion that the user wants to check is input through the manager server 5, the securities use server 2 searches the database DB, reads the signing information, and sends it to the manager server 5 ( S153). Accordingly, the user can check the fastening information concluded on a specific date through the mobile terminal (9).

In the above, only services such as cash sale, cash purchase, correction, cancellation, inquiry, and execution confirmation at the securities company requested by the customer are described. However, the present invention is not limited thereto, and the manager server 5 is intended to deliver to the customer from the securities company. When a stock product or various advertisements are generated, a database is searched for a not-shown database to find a customer's mobile terminal number and automatically dialed to connect a server for administrator 5 and a mobile terminal 9, and then a short message transmission service ( Short message service (SMS) allows customers to deliver new products or promotions while providing stock products or various promotional advertisements.

Example 3

Among financial institutions such as banks, securities companies, insurance companies, and credit card companies, the structure for insurance transaction service at an insurance company is as shown in Fig. 1, which includes an insurance usage server 3 having a database (DB), and an administrator server (5). ), A communication means composed of an interface unit 6, a telephone exchange 7 and a base station 8, a mobile terminal 9 and the like.

More specifically, the insurance use server 3 executes various insurance transaction services according to the user's request according to various information input from the administrator server 5: and provides the result to the administrator server 5. The insurance use server 3 is connected to a database DB that stores information on the contract details between the insurance company and the user.

The manager server 5, which has received various information through communication means such as the base station 8, the telephone exchange 7, and the interface unit 6, reconfigures it into a form suitable for the insurance use server 3, and uses the insurance use server. (3) and configured to reconstruct answer information output from the insurance use server 3 into a form for communication and provide the same to the user's mobile terminal 9 through the above communication means.

At this time, the administrator server 5 is provided with a predetermined algorithm for encryption, and encrypts the information transmitted to the mobile terminal 9, on the contrary, decrypts the information received from the mobile terminal 9 to secure the various information. I can keep it. Of course, the mobile terminal 9 described below is also equipped with a predetermined algorithm for encryption, which encrypts the information sent to the administrator server 5 and conversely receives the information received from the administrator server 5. By decrypting, various types of information can be kept secure.

Finally, the mobile terminal 9 is equipped with a predetermined browser for displaying a plurality of contract services provided by a plurality of insurers and is configured to input various information for requesting various contract services required by the user. have.

In particular, the communication means composed of the base station 8, the telephone exchange 7 and the interface unit 6, the administrator server 5, the administrator server 5 and the insurance use server 3 are connected by a dedicated line. Various information is transmitted and received at high speed.

The operation of the present invention configured as described above is explained with reference to FIG.

The user connects the mobile terminal 9 to the administrator server 5 via the base station 8, the telephone exchange 7, and the interface unit 6 to check the insurance processing state from the insurance company (S161). When the terminal 9 is operated to input an ID and password (S162), the server for administrator 5 searches for customer information in a database (not shown) to check whether the user ID and password are normal (S164).

When the wrong ID or password is input, the manager server 5 outputs an error message indicating this by driving the browser of the mobile terminal 9 (S163). However, if it is determined that the user ID and password of the legitimate user, the server for the administrator (5) provides a message for selecting a financial institution such as a bank, securities company, insurance company, card company by driving the browser of the mobile terminal (9) (S165) do.

When the user selects an insurance company among a plurality of financial institutions, the server for administrator 5 searches the database (not shown) to check whether the account information of the corresponding user is registered (S166).

When the account information is registered, the administrator server 5 drives the browser of the mobile terminal 9 to read the insurance company and the insurance type that the user can select from the database, and outputs the insurance company and the insurance type (S167). )do. However, if the account information is not registered, the administrator server 5 drives a browser of the mobile terminal 9 and outputs a message for the user to input one insurance company and one insurance type (S168).

It may be desirable to enter the contract number and password according to the insurance contract, if necessary, to more clearly identify the user, that is, the policyholder.

Then, the manager server 5 transmits the information of the user who wants to confirm the insurance processing state to the insurance use server 3. Subsequently, the insurance use server 3 searches the database DB (S169), reads insurance processing information regarding the insurance type, contract number, and password of the user, and transmits the insurance processing information to the administrator server 5.

Then, the manager server 5 transmits insurance processing information according to the insurance contract of the user to the mobile terminal 9 through the base station 8, the telephone exchange 7 and the interface unit 6 (S170). Accordingly, the user can check the processing status of the insurance contract with the insurance company through the browser of the mobile terminal (9).

In the above, only the service such as insurance processing status of the insurance company requested by the customer has been described, but the present invention is not limited thereto, and the manager server 5 is not shown when an insurance product or various promotional advertisements to be delivered to the customer by the insurance company are generated. Search the database to find the customer's mobile terminal number and automatically dial to connect the server for administrator (5) and mobile terminal (9) and send it to the customer through Short Message Service (SMS). By providing insurance products or advertisements for various promotions, new products or promotions can be delivered to customers while providing services desired by customers.

Example 4

Among the financial institutions such as banks, securities companies, insurance companies, and card companies, the card transaction service at the card company is shown in FIG. 1, as shown in FIG. 1, a card usage server 4 having a database (DB), and a server for managers (5). ), A communication means composed of an interface unit 6, a telephone exchange 7 and a base station 8, a mobile terminal 9 and the like.

More specifically, the card usage server 4 executes various card transaction services according to the user's request according to various information input from the administrator server 5: dude server and provides the result to the administrator server 5. The card use server 4 is connected to a database (DB) in which information on transaction details between the card company and the user is stored.

The administrator server 5 which has received various information through communication means such as the base station 8, the telephone exchange 7 and the interface unit 6, reconfigures it into a form suitable for the card using server 4 and uses the card using server. While providing to (4), the response information output from the card use server 4 is reconfigured into a form for communication, and is provided to the user's mobile terminal 9 through the above communication means.

At this time, the administrator server 5 is provided with a predetermined algorithm for encryption, and encrypts the information transmitted to the mobile terminal 9, on the contrary, decrypts the information received from the mobile terminal 9 to secure the various information. I can keep it. Of course, the mobile terminal 9 described below is also equipped with a predetermined algorithm for encryption, which encrypts the information sent to the administrator server 5 and conversely receives the information received from the administrator server 5. By decrypting, various types of information can be kept secure.

Finally, the mobile terminal 9 is equipped with a predetermined browser for displaying a plurality of transaction services provided by a plurality of card companies and is configured to input various information for requesting various transaction services required by the user. have.

In particular, a communication means composed of a base station 8, a telephone exchange 7 and an interface unit 6, an administrator server 5, and an administrator server 5 and a card use server 4 are connected by a dedicated line. Various information is transmitted and received at high speed.

The operation of the present invention configured as described above will be described for each transaction service with a card company in FIGS. 10 and 11.

10, the user connects the mobile terminal 9 to the server 5 for the manager via the base station 8, the telephone exchange 7, and the interface unit 6 in order to receive various transaction services from the card company as shown in FIG. After inputting the ID and password by operating the mobile terminal 9 (S 171), the manager server 5 searches for customer information in a database (not shown) to check whether the user ID and password are normal. (S174).

When the wrong ID or password is input, the administrator server 5 outputs an error message indicating this by driving the browser of the mobile terminal 9 (S173). However, if it is determined that the user ID and password of the legitimate user, the administrator server 5 provides a message for selecting a financial institution such as a bank, securities company, insurance company, card company by driving the browser of the mobile terminal 9 (S175). do.

When the user selects a card company among a plurality of financial institutions, the server for the manager 5 again runs a browser of the mobile terminal 9 to select a card transaction service such as payment balance inquiry, balance limit inquiry, point inquiry, and cash service. A message for outputting is output (S176).

When the user selects one of the payment balance inquiry, the balance limit inquiry, and the point inquiry among the plurality of card transaction services, the server for the administrator 5 searches the database (not shown) to check whether the account information of the user is registered. (S177).

In addition, when the account information is registered, the server for the administrator 5 drives the browser of the mobile terminal 9 to read the card company and account number that the user can select from the database, and outputs the card company and account number (S178). )do. However, if the account information is not registered, the administrator server 5 drives the browser of the mobile terminal 9 and outputs a message for the user to input the card company and the account number one by one (S179).

When the card company and the account number are entered in this way, the server for administrator 5 transmits this information back to the card use server 4. Then, the card use server 4 reads information about one of the payment balance inquiry, the balance limit inquiry, and the point inquiry selected by the user from the database DB and transmits the information to the administrator server 5 again (S180). .

Then, the administrator server 5 sends information on one of the payment balance, the balance limit, and the point selected by the user to the mobile terminal 9 through the base station 8, the telephone exchange 7, and the interface unit 6. It transmits (S181). Accordingly, the user can check information such as payment balance, balance limit, and points of the card currently being used through the browser of the mobile terminal 9.

Fig. 11 shows an operation state for cash service in a card company, in which a user connects a mobile terminal 9 to a server for managers through a communication network between a base station 8, a telephone exchange 7, and an interface unit 6; 5) (S191), the administrator server 5 checks whether the user is normal according to the operation of the mobile terminal 9 (S192) (S193) (S194) and selects a financial institution (S195).

After selecting a card company among a number of financial institutions, the server for the manager 5 again drives the browser of the mobile terminal 9 to select a card transaction service such as payment balance inquiry, balance limit inquiry, point inquiry, and cash service. Output (S196).

If the user selects a cash service out of a plurality of card transaction services, the manager server 5 searches the database (not shown) to check whether the user's account information is registered (S197).

When the account information is registered, the administrator server 5 drives the browser of the mobile terminal 9 so that the user outputs the card company and account number (card number) from the database to the card company and account number (S198). do. However, if the account information is not registered, the administrator server 5 drives the browser of the mobile terminal 9 and outputs a message for the user to input the corresponding card company code and account number one by one (S199).

Of course, in order to confirm the user more clearly, after receiving the input of the password, it may be determined whether it is normal and the subsequent process may be performed.

After entering the card company and the account number, the administrator server 5 drives the browser of the mobile terminal 9 to output a message so that the user can select a deposit bank code, an account number, a deposit amount (cash service amount), or the like. (S200). Subsequently, the manager server 5 provides the inputted information to the card use server 4 (S201) to confirm whether the cash service of the desired amount is possible (S202).

In addition, when the user sets the amount of cash service available, the administrator server 5 runs the browser of the mobile terminal 9 so that the user checks the deposit bank code, the account number, the deposit amount, etc., and the cash service (transfer). To be determined (S204).

Finally, after the user determines the cash service (transfer), the card use server 4 executes the normal cash service and transfers the corresponding amount to the bankbook requested by the user (S205).

Then, the card use server 4 transmits various information on the cash service to the mobile terminal 9 via the communication server and the manager server 5 (S206). Accordingly, the user can not only receive the cash service to the mobile terminal 9 but also check the information according to the cash service through the browser.

In the above, only the service such as payment balance inquiry, balance limit inquiry, point inquiry, cash service, etc. in the card company requested by the customer is described. However, the present invention is not limited thereto. When a product or various advertisements for advertisement are generated, the mobile terminal number of the customer is searched by searching the database (not shown) and automatically dialed to connect the administrator server 5 and the mobile terminal 9, and then a short message transmission service (SMS : Short Message Service) allows customers to deliver new products or promotions while providing card services or advertisements.

According to the present invention, it is possible to check the financial transactions and transaction details with financial institutions such as banks, securities companies, insurance companies, and card companies and users without using any equipment other than a mobile terminal, and provide various transaction services from the financial institutions. There is an effect that can be provided.

In addition, financial institutions have the effect of sending financial product advertisements and various notifications to registered members through a short message service (SMS).

In addition, the present invention has the effect of maintaining the security by encoding the various information transmitted and received between the administrator server and the mobile terminal.

Although the present invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the spirit of the present invention, and such modifications and modifications belong to the appended claims.

Claims (13)

A first step of connecting a user's mobile terminal to an administrator server via a communication means; A second step of determining whether the user is normal by receiving the user's ID and password by operating the mobile terminal; A third step of selecting a bank transaction service such as balance inquiry, transaction history inquiry, and account transfer to be provided from a specific bank; A fourth step of confirming whether or not the user receives the bank and the account number and the password by operating the mobile terminal; A fifth step of executing a bank transaction service such as balance inquiry, transaction history inquiry, and account transfer according to a user's request after being connected to the bank server of the selected bank; And A sixth step of reading transaction information according to execution of a bank transaction service such as balance inquiry, transaction history inquiry, and bank transfer, and displaying the transaction information on the mobile terminal through the communication means; Transaction method with a financial institution using a mobile terminal, characterized in that the provided. The method of claim 1, When a new bank product or promotional advertisement is generated, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a new product or various promotional advertisements to the user through a short message service (SMS). Providing to; Transaction method with a financial institution using the mobile terminal characterized in that it is further provided. A first step of connecting a user's mobile terminal to an administrator server via a communication means; A second step of determining whether the user is normal by receiving the user's ID and password by operating the mobile terminal; A third step of selecting a stock trading service such as stock sale, stock purchase, correction, cancellation, inquiry, and confirmation of confirmation, which is to be provided by a specific securities company; A fourth step of confirming whether or not the user receives an account number and a password of the securities company by operating the mobile terminal; A fifth step of executing a stock trading service such as stock sale, stock purchase, correction, cancellation, inquiry, conclusion confirmation, etc. according to a user's request after being connected to the securities using server of the selected securities company; And A sixth step of reading the transaction information according to the execution of the stock trading service such as the stock sale, the stock purchase, the correction, the cancellation, the inquiry, the confirmation of the execution, and the like, and displaying the transaction information on the mobile terminal through the communication means; Transaction method with a financial institution using a mobile terminal, characterized in that the provided. The method of claim 3, When a new stock product or promotional advertisement is generated, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a new product or various promotional advertisement to the user through a short message service (SMS). Providing to; Transaction method with a financial institution using the mobile terminal characterized in that it is further provided. A first step of connecting a user's mobile terminal to an administrator server via a communication means; A second step of determining whether the user is normal by receiving the user's ID and password by operating the mobile terminal; A third step of receiving an insurance company, an insurance type, and an account number by an operation of a mobile terminal, and retrieving an insurance processing state from a database of an insurance use server according to a user's request; And A fourth step of reading the information on the insurance processing state and displaying the information on the insurance process in a predetermined browser on the mobile terminal through the communication means; Transaction method with a financial institution using a mobile terminal, characterized in that the provided. The method of claim 5, When a new insurance product or promotional advertisement is created, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a new product or various promotional advertisements to the user through a short message service (SMS). Providing to; Transaction method with a financial institution using the mobile terminal characterized in that it is further provided. A first step of connecting a user's mobile terminal to an administrator server via a communication means; A second step of determining whether the user is normal by receiving the user's ID and password by operating the mobile terminal; A third step of selecting a card transaction service such as payment balance inquiry, remaining limit history, point inquiry, and cash service inquiry to be provided from a specific card company; A fourth step of confirming whether or not the user is received by inputting the bank, the card company, the card number, and the password by operating the mobile terminal; A fifth step of executing a card transaction service such as payment balance inquiry, remaining limit history, point inquiry, and cash service inquiry according to a user's request after being connected to the selected card company's card usage server; And A sixth step of reading transaction information according to the execution of the card transaction service such as the settlement balance inquiry, the remaining limit history, the point inquiry, and the cash service inquiry and displaying the transaction information on the mobile terminal through the communication means in a predetermined browser; Transaction method with a financial institution using a mobile terminal, characterized in that the provided. The method of claim 7, wherein When a new card product or promotional advertisement is generated, the server for the administrator automatically dials the mobile terminal number of the customer stored in the database, and then sends a new product or various promotional advertisements to the user through a short message service (SMS). Providing to; Transaction method with a financial institution using the mobile terminal characterized in that it is further provided. A mobile terminal equipped with a predetermined browser for receiving various financial transaction services from each financial institution, inputting various information for requesting various financial transaction services, and displaying various financial transaction service information provided from each financial institution; Communication means for connecting the mobile terminal and a server for an administrator to transmit and receive information according to a user's request; Reconstructs various information through the communication means in a form suitable for a server for a financial institution and provides the server for the financial institution, and reconstructs the response information from the server for the financial institution in a form for communication to the mobile terminal through the communication means. Providing administrator server; And A server for a financial institution, which is connected to a database in which information about a transaction of a user is stored, executes various financial transaction services according to a user's request according to various information from the server for the manager, and provides the result to the manager server; System for transactions with financial institutions using a mobile terminal, characterized in that the provided. The method of claim 9, The server for a financial institution is a system for transactions with a financial institution using the mobile terminal, characterized in that at least one of a server for banks, securities use server, insurance use server, card use server. The method of claim 9, The mobile terminal is a system for a transaction with a financial institution using the mobile terminal, characterized in that for encrypting and decrypting information transmitted and received with the administrator server by a predetermined algorithm. The method of claim 9, The server for a manager is a system for a transaction with a financial institution using the mobile terminal, characterized in that configured to encrypt and decrypt information transmitted and received with the mobile terminal by a predetermined algorithm. The method of claim 9, The communication means, the server for managers, the server for managers and the server for financial institutions are connected by a dedicated line to transmit and receive various types of information, the system for transactions with financial institutions using the mobile terminal. .