KR20000067041A - Wireless Data Communication Method Providing Mobile Banking Service Based on Mobile Communication System - Google Patents

Abstract

PURPOSE: A radio data communication method providing a mobile banking service based on the mobile telephone system is provided to achieve radio data communication for credit card settlement between a credit card settlement device and a credit card company. CONSTITUTION: In case that a user carries out credit card settlement in a credit card affiliated store, a credit card settlement device reads the card. The credit card settlement device inquires of a terminal about its radio frequency signal strength, battery condition and frequency division method and discriminates the status for the terminal according to the response information of the terminal. If there is no abnormality, the credit card settlement device attempts call connection with a credit card company. The credit card settlement device sets up an RLP(Radio Link Protocol) link between the terminal and a base station, a PPP(Point to Point Protocol) link between the terminal and an IWF(Inter-Working Function) and a TCP/IP link between the terminal and the credit card company. Radio data communication is carried out between the credit card settlement device and the credit card company. The terminal carries out the credit card settlement procedure.

Description

Wireless Data Communication Method Providing Mobile Banking Service Based on Mobile Phone System {Wireless Data Communication Method Providing Mobile Banking Service Based on Mobile Communication System}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a wireless data communication method using a code division multiple access mobile telephone system, and more particularly, to a wireless data communication method adapted to provide a mobile banking service by improving the prior art.

Modern societies are rapidly changing from a money-based real economy to a credit card-based personal credit economy due to the amazing technological advances in information and telecommunications. Such credit society is expected to accelerate as the information society of society increases.

1 is a network configuration for explaining a conventional credit card payment and financial settlement.

Referring to FIG. 1, a card payment machine 10 for reading a personal identification number from each person's credit card is connected to a wired telephone network 30. Therefore, a specific user can pay with his or her credit card at the credit card merchant. That is, the credit card payment machine 10 reads the credit card to start the credit card payment process. At this time, the credit card payment machine 10 makes a phone call to the credit card company's card management system using a modem provided therein. The telephone station 40 connects the telephone signal input through the wired telephone network 30 to the system of the credit card provider 60 according to a general procedure. The card management system of the credit card operator 60 notifies the credit card payment device 10 after determining the approval of the credit card use through the established communication path. In this case, the wireline telephone network 30 and the telecommunication company providing the wired communication service charge a basic fee (about 50 won) to the user who uses the credit card payment machine 10.

Such a conventional credit card payment and credit card payment approval operation at the time of payment is necessarily limited by the place where the credit card payment machine 10 can be executed under the condition that is necessarily connected to the wired telephone network (30). Therefore, a new wired telephone network must be newly installed in an area far from the wired telephone network, and there is a problem in that the card payment service cannot be provided at a moving place such as a taxi or a train.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems of the prior art, and enables wireless data communication for credit card payment between a credit card payment machine and a credit card provider using a code division multiple access mobile telephone system. It is to provide a wireless data communication method for providing a mobile banking service based on a mobile telephone system that can be made.

According to an aspect of the present invention for achieving the above object, a wireless data communication method for providing a mobile banking function based on a mobile phone system comprises the steps of: reading identification information for a unique subscriber in an information input / output device; Determining whether there is an abnormality of the mobile communication terminal connected to the information input / output device, and if there is no abnormality, attempting a call connection with the called party; and a base station radio link protocol (RLP) link controlling the radio link resource of the terminal and the terminal. Establishing a serial communication protocol (PPP) link between the terminal and a network interworking device (IWF) that matches an interface when the terminal is connected to another network for connecting the called party; Transmission control protocol / Internet protocol between the terminal and a specific data processing system (TCP / IP) a step of setting the link, and a step for applying wireless data communication between the information input and output device and the particular data processing system.

According to the characteristics of the present invention, there is an advantage that can provide a mobile banking service in any place equipped with a mobile communication terminal and an information input and output device using a conventional code division multiple access mobile telephone system.

1 is a network configuration for explaining a conventional credit card payment and financial settlement.

Figure 2 is a network diagram for explaining the credit card payment and financial settlement based on the code division multiple access method according to the present invention.

3 shows a data protocol stack in accordance with the present invention.

4 is a flow chart illustrating a wireless data communication procedure in accordance with the present invention.

* Description of the symbols for the main parts of the drawings *

10: card payment machine 20: personal computer

100a, 100b: mobile communication terminal 200: base station

300: mobile switching center 400: Internet

500: financial settlement agency 600: credit card operators

700: Bank

Hereinafter, a configuration and an operation according to an exemplary embodiment of the present invention will be described with reference to the accompanying drawings.

2 is a network diagram illustrating a credit card payment based on a code division multiple access method according to the present invention. 2, the network based on the code division multiple access method of the present invention is a PCS / Cellular (PCS / Cellular) mobile communication terminal (100a, 100b) credit card payment machine 10 or personal computer 20 It is connected to a conventional code division multiple access mobile telephone system including a base station 200 and a mobile switching center 300 in a state connected to the base station 200. The mobile switching center 300 may be connected to a specific computer system such as a credit card provider 600, a financial settlement agent 500, a bank 700, or the like through the Internet 400. In the present embodiment, it will be assumed that it is connected to the credit card provider 600.

The configuration of the network shown above can be seen to be easily performed by looking at only the external configuration of FIG. 2, but so far, a mobile station, a base station 200, and a mobile switching center ( 300, a protocol for performing a wireless data communication service between a card management system (ie, a data processing system) of a credit card provider 600 via the Internet 400 has not been presented.

3 is a data protocol stack for performing wireless data communication in accordance with the present invention. As shown in FIG. 3, the PSS / cellular terminal MT2, 100a, 100b should be provided with a Transmission Control Protocol / Internet Protocol (TCP / IP) function, and another credit card payment machine 10 may be provided. ), The card management system of the credit card provider 600 is not significantly different from the prior art.

Hereinafter, a preferred embodiment of the present invention will be described with reference to FIGS. 2 to 4.

When a specific user pays with a credit card at a credit card merchant, a credit card payment device 10 which is an information input / output device reads a card having identification information about a unique subscriber (ST1). In this case, the credit card payment device 10 inquires the terminal 100a of a state such as the strength of the radio frequency signal, the battery state, and the frequency division scheme of the terminal (ST2), and the terminal (according to the response information of the terminal 100a). It is determined whether there is an abnormality for 100a) (ST3).

At this time, when the result of the determination step ST3 is abnormal in the terminal 100a, the user is notified of an abnormal cause and an unusable state (ST4). On the other hand, if the result of the determination step ST3 is not abnormal in the terminal 100a, the credit card payment machine 10 tells the terminal 100a the identification information (identification protocol address, port number, software version number) of the credit card provider. Etc.). Therefore, the terminal 100a connected to the credit card payment machine 10 attempts to connect to the credit card provider 600 (ST5). That is, in FIG. 3, the connection layers 110 between the network elements MT2, BS / MSC, and IWF are connected to each other. Subsequently, a radio link protocol (RLP) link is established between the terminal 100a and the base station 200 that controls the radio link resource (ST6). That is, in FIG. 3, a radio link protocol (RLP) layer between the terminal 100a and the base station 200 is connected to each other based on the connection layer 110 to which the path is already connected. Subsequently, a serial communication protocol (PPP) link is established between the terminal 100a and an interworking function (IWF) having an interface matching function (ST7). That is, in FIG. 3, the link layer 120, that is, the PPI layer of the terminal 100a and the PPI layer of the network interlocking device (not shown) are opened to each other based on the connection layer 110 to which the path is connected in advance. will be.

Subsequently, a transmission control protocol / Internet protocol (TCP / IP) link is established between the terminal 100a and the credit card operator's card management system through the Internet 400 (ST8). That is, in FIG. 3, the network layer 130 and the transport layer 140 of the terminal 100a and the credit card provider 600 are opened to each other based on the connection layer 110 and the link layer 120 to which the path is connected in advance. Will be. This operation is possible because the credit card payment device 10 informs the terminal 100a of the identification information (identification protocol address, port number, software version number, etc.) of the credit card provider as described above.

Subsequently, when the terminal 100a determines that the transmission control protocol / Internet protocol (TCP / IP) link is normally established, the terminal 100a notifies the credit card payment device 10 of the state where data transmission is possible. Therefore, wireless data communication is performed to obtain approval for card payment between the credit card payment device 10 and the credit card management system of the credit card provider 600 through the communication path opened by the above procedure (ST9). As a result of such communication, the card management system of the credit card provider 600 transmits the authorization information through a Transmission Control Protocol / Internet Protocol (TCP / IP) link. Transfer to the terminal (100a).

At this time, the terminal 100a transmits the authorization information to the credit card payment machine 10, displays a state of approval on the screen of the credit card payment machine 10, and performs a credit card payment process of printing a slip ( ST10).

Then, after the credit card payment procedure is completed, the card management system of the credit card provider 600 performs the closing procedure of the opened transport layer (ST11). Control signals related to the execution of this procedure are transmitted to the terminal 100a. Therefore, the terminal 100a sequentially performs a procedure of closing the open state of the link layer 120 and the connection layer 110.

This process usually takes less than 10-20 seconds, so you will be charged a fee of about 15 won per credit card. Therefore, in the prior art, the fee is relatively lower than the basic fee (about 50 won) that occurs when executing a credit card payment once.

According to the present invention as described above, if the mobile phone system of the code division multiple access method is provided, the mobile banking service can be provided at any place where a wired telephone network is not provided if only a mobile communication terminal and a card payment machine are provided. There is. Therefore, it is possible to provide various kinds of banking services in places far away from the wired telephone network and for people traveling such as salesmen and insurers, even in taxis and trains.

In addition, the present invention can be applied to the fields such as wireless data communication for performing various banks, financial institutions, government offices, the same effect can be seen. That is, in place of the credit card payment machine shown in the embodiment of the present invention, a data processing system or a personal computer capable of processing a job may be used in connection with each other.

Claims (5)

Reading identification information about the unique subscriber in the information input / output device; Determining whether there is an abnormality of a mobile communication terminal connected to the information input / output device and attempting a call connection with a called party when there is no abnormality; Establishing a Radio Link Protocol (RLP) link between the terminal and a base station controlling a radio link resource of the terminal; Establishing a Point to Point Protocol (PPP) link between the terminal and an inter-working function (IWF) that matches an interface when the terminal accesses another network for connecting the called party; Wow, Establishing a Transmission Control Protocol / Internet Protocol (TCP / IP) link between the terminal and a specific data processing system through the Internet; And performing wireless data communication between the information input / output device and the specific data processing system. The mobile terminal of claim 1, wherein when the identification information of the unique subscriber is read, the information input / output device inquires of the status information of the terminal, and determines whether there is an abnormality with respect to the terminal according to the response information of the terminal. Wireless data communication method that provides mobile banking based on telephone system. The mobile banking function based on the mobile telephone system according to claim 2, wherein the status information or response information includes information on the strength of the radio frequency signal of the terminal, battery status, and frequency division scheme. Wireless data communication method. The wireless data communication method of claim 1, wherein the information input / output device informs the terminal of identification information of the specific data processing system. The method of claim 4, wherein the identification information includes an identification protocol address, a port number, and a software version number.