KR20040022812A - System and Method for Providing Security of User by Using Dual Password - Google Patents

Abstract

PURPOSE: A personal security service system using double passwords and a method therefor are provided to automatically report crime to a security company by a position tracking function of a mobile terminal when a personal protection password is inputted in an ATM(Automated Teller Machine) terminal. CONSTITUTION: A mobile terminal(210) transmits and receives a call through a mobile communication network, and performs a credit card function. A financial institution(250) approves the credit card function of the mobile terminal(210). An ATM terminal(260) remotely connects to the financial institution(250), and performs financial transaction with respect to the mobile terminal(210). A security company(270) performs a security work. A mobile communication company client management server(240) doubly provides a normal transaction password and a personal protection password so that a subscriber performs the financial transaction through the mobile terminal(210). If the personal protection password is inputted when the subscriber performs the financial transaction through the mobile terminal(210), the mobile communication company client management server(240) urgently reports crime to the security company(270) by position information of the mobile terminal(210).

Description

Personal security service system using dual password and its method {System and Method for Providing Security of User by Using Dual Password}

The present invention relates to a personal security service system using a dual password and a method thereof, and more particularly, to a personal security service system capable of cash withdrawal and credit transactions using a mobile terminal for password and personal protection for normal transactions. When the password is registered twice, and the credit card function using the wireless infrared communication of the mobile terminal is used for crime, if there is an input of the personal protective password, the location tracking function of the mobile terminal is used to secure the security service such as the police station. The present invention relates to a personal safety service system and a method using a double beabil number that allows automatic emergency reporting.

With the development of communication technology, mobile terminals that can carry and communicate while moving are not only conducting wireless telephone calls, but also cash withdrawal and credit using wireless infrared communication of mobile terminals as in Patent Application No. 1999-47921. It is equipped with a credit card function such as making a transaction.

Figure 1 shows the overall network configuration of the payment method for goods using a conventional mobile terminal.

The conventional payment system for a commodity payment using a mobile terminal includes a cellular phone 110, an infrared transmitting / receiving communication terminal 120, a CDMA mobile communication network 130, and a CDMA mobile communication network, which are provided at a merchandise distributor and transmit and receive an infrared signal with the mobile phone 110. 130 is connected to the infrared transmission and reception communication terminal 120 or through a separate dedicated line, and comprises a goods payment server 140 for approving the payment of goods based on pre-stored user personal information. .

That is, when a user visits a specific merchandise retailer and purchases an item, or wants to pay a fee for an item price or a service provided for purchasing the merchandise, the infrared transmitting / receiving communication terminal 120 provided at the merchandise retailer is In addition, the input data for the price of the article is converted into an infrared signal form, and the converted data is wirelessly transmitted to the user's mobile phone 110 positioned within a predetermined distance from the infrared transmitting and receiving communication terminal 120.

Accordingly, the mobile phone 110 receives the infrared signal transmitted from the infrared transmission and reception communication terminal 120 and restores it to the original data, and together with the restored price of the article, inputs a password for approving the price of the article. Print request message on LCD screen.

Therefore, the user visually confirms the price of the goods output on the LCD screen, and if the price of the goods is reasonable, the user inputs a preset password through a keypad according to a predetermined guidance message. The reason for entering a password to approve the price is to prevent payment of the goods by other users.

In this way, if the user determines that the price of the goods is valid, and enters the password, the mobile phone 110 converts the password data into an infrared signal form, the infrared transmission and reception communication terminal 120 located within a certain distance from the mobile phone 110. At the same time, the payment approval request data including the price of the goods is configured in the form of a short message based on the short message service protocol, which is one of the mobile communication services, and the corresponding price payment server through the CDMA base station ( 140).

When the goods price payment server 140 receives the goods price payment approval request data in the form of a short message from the mobile phone 110, the phone number of the call-connected mobile phone 110 is directly confirmed from the received short message.

Accordingly, the goods payment server 140 searches for the user's personal information to confirm whether the confirmed phone number exists, and if the phone number exists, recognizes that the user is a registered subscriber.

As such, when the user is recognized as a subscriber, the goods payment server 140 stores the password stored in association with the user's password in the received short message and the user's phone number retrieved from the user's personal information to confirm the user's validity. Compare and verify that both passwords are identical. As a result of the check, if both passwords are the same, the user is determined to be a legitimate user, and the subsequent process is performed. If the two passwords are not the same, a guide message to reenter the password is output to the mobile phone 110. do. If it is determined that the password is not the same three or more times in the password comparison process, the mobile phone 110 outputs a guide message indicating that the subsequent process can no longer be performed to stop using the service.

By the way, in the goods payment system using a conventional mobile terminal that can pay the price as described above, only one password to be input at the time of cash withdrawal and credit transaction is used. Therefore, in the event of a crime in which the user carrying the mobile phone 110 is held hostage, the user must keep the safety of the individual and family at least when the password is correctly transmitted to the criminal for personal safety.

Therefore, in the modern society where payment is made using the mobile phone 110 frequently, when a mobile phone 110 having a credit card function is used for a crime, a function or a service for promoting the personal safety of the mobile phone 110 holder is provided. Has been required.

An object of the present invention for meeting the above requirements is to register a normal transaction password and a personal protection password in a personal security service system capable of cash withdrawal and credit transactions using a mobile terminal, When the credit card function using the wireless infrared communication of the terminal is used for crime, a double beevil can automatically report to the security company such as the police station by using the location tracking function of the mobile terminal when the personal information protection password is input. The present invention provides a personal safety service system using a number and a method thereof.

1 is a view showing the overall network configuration of the payment method for goods using a conventional mobile terminal,

Figure 2 is a schematic diagram showing the configuration of a personal safety service system using a dual password according to an embodiment of the present invention,

3 is a block diagram schematically illustrating an internal configuration of a mobile terminal;

4 is a block diagram schematically showing an internal configuration of a mobile communication company customer management server;

5 is a block diagram schematically showing the internal configuration of an ATM terminal;

6 is a flow chart illustrating a personal safety service method using a double beabil number according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

110: mobile phone 120: infrared communication terminal

130: CDMA mobile communication network 140: payment server for goods

200: personal safety service system 210: mobile terminal

220: wireless base station 230: mobile communication switching center

232: HLR 234: VLR

240: telecommunications customer management server 250: financial institutions

260: ATM terminal 270: security company

310: keypad 312: keypad connection

314: LCD 316: LCD driver

318: ROM 320: Codec

322: input amplifier 324: output amplifier

326: wireless transmitter 328: wireless receiver

330: station unit (MSM) 332: infrared port

410: communication interface unit 420: control unit

430: program storage unit 440: customer management database

450: display unit 460: key input unit

510: infrared transceiver 520: ROM

530: financial transaction input unit 540: data transmission and reception unit

550: financial transaction processing unit 560: microprocessor

In order to achieve the above object, the present invention provides a personal safety service system for performing a personal safety service using a location tracking function using a mobile communication network and wireless infrared communication, and performing a telephone call using the mobile communication network. A mobile terminal performing a credit card function; A financial institution that authorizes a credit card function of the mobile terminal; An ATM terminal remotely connected to the financial institution and performing a financial transaction with the mobile terminal; A security company responsible for securing security at private level or at government level; And modify, delete, or edit information of subscribers who are provided with mobile communication services by joining the mobile communication network, and provide a normal transaction password and a personal protection password so that the subscribers can perform financial transactions using the mobile terminal. And a mobile communication customer who performs a function of urgently reporting to the security company with the location information of the mobile terminal when a personal protection password is input when the subscriber performs a financial transaction using the mobile terminal. Characterized in that it comprises a management server.

According to another object of the present invention, there is provided a personal security service method using the dual password of the personal security service system configured as described above, comprising: (a) a subscriber to the mobile communication network with the mobile terminal equipped with the credit card function; Registering with; (b) the mobile communication company customer management server granting the mobile terminal a normal transaction password and a personal protection password for the financial transaction; (c) the mobile terminal executing a financial transaction with the ATM terminal; (d) the mobile communication company customer management server determining whether the personal protection password has been input from the mobile terminal; (e) when the personal protection password is input, requesting and receiving location information of the mobile terminal from the mobile communication company customer management server to the mobile communication network; (f) the mobile communication company customer management server urgently reporting the location information of the mobile terminal to the security company and transmitting the approval of the financial transaction to the financial institution for the mobile terminal to perform the financial transaction. It is characterized by including.

In the above configuration, the mobile terminal is characterized in executing a financial transaction for the ATM terminal using wireless infrared communication.

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

Figure 2 is a schematic diagram showing the configuration of a personal safety service system using a dual password according to an embodiment of the present invention.

Personal safety service system 200 according to an embodiment of the present invention is a mobile terminal 210, wireless base station 220, mobile communication switching center 230, mobile communication company customer management server 240, financial institution 250, ATM (Automated Teller Machine) terminal 260, security company 270 and the like.

The mobile terminal 210 is a terminal that not only performs a telephone call with a counterpart via wireless communication through a mobile communication network, but also performs a credit card function such as payment for goods, cash withdrawal, and credit transaction using wireless infrared communication.

The wireless base station 220 includes a base station transmission system (BTS) 222, a base station controller (BSC) 224, a repeater (Cell Enhancer), and the like. Here, the base station transmitter 222 is disposed in units of cells and transmits a call request generated from the mobile terminal 210 to the mobile communication switching center 230 or exists in a cell area under its control ( Location registration to determine the location of the 210 is performed. The base station transmitter 222 may obtain information such as latitude and longitude at which the base station transmitter 222 is located from a global positioning system (GPS) (not shown), and the position information of the base station transmitter 222 may be obtained from the forward link call channel. The system parameter message is transmitted to the mobile terminal 210. The mobile terminal 210 may register new location information by calculating the moving distance of the mobile terminal 210 using the location information of the base station transmitter 222 of the cell to which the mobile terminal 210 belongs.

Location registration is a processing procedure for informing the mobile communication switching center 230 of the location, status, identifier, slot period, and other features of the mobile terminal 210 through the base station transmitter 222. This is a procedure for effectively calling the mobile terminal 210 when the incoming call is to be set at 210. The location registration of the mobile terminal 210 is performed when the mobile terminal 210 is powered on and off, when the mobile terminal 210 moves between the mobile communication switching centers 230, and the parameters of the mobile terminal 210. Is carried out when is changed.

The base station controller 224 controls and manages a plurality of base stations, and performs various functions required for radio call processing such as handoff. The base station controller 224 also transmits subscriber information of the location registered mobile terminal 210 to the mobile communication switching center 230.

The mobile communication switching center 230 has a control function for allowing the wireless base stations 220 to operate efficiently and an interworking function with an exchange of a public telephone network. When the mobile communication switching center 230 registers the location of the mobile terminal 210 through the wireless base station 220, the visitor location register (VLR) in the mobile communication switching center 230 is referred to as a 'VLR'. After temporarily storing the subscriber information of the mobile terminal 210 in the (234), and requests the location registration of the mobile terminal 210 to the Home Location Register (HLR: hereinafter referred to as 'HLR') 232 do.

Here, the HLR 232 is a database that stores a service profile regarding the subscriber information of the user of the mobile terminal 210, including a subscriber's telephone call, and a mobile identification number (MIN) of the mobile terminal 210. It has information about the Electronic Serial Number (ESN) and the type of service. The HLR 232 stores a subscriber information including information of the wireless base station 220 and the mobile switching center 230 in which the mobile terminal 210 is located. The mobile communication switching center 230 includes a control unit, a call path unit, and a peripheral device, and also has a charging data collection function for the mobile terminal 210.

The mobile communication company customer management server 240 stores, modifies, deletes, and edits information of subscribers who are provided with mobile communication services by joining a mobile communication service provider such as SK Telecom, KTF, and LG Telecom. In particular, the subscriber is given a double normal password and a personal protection password for credit transactions, and the personal protection password is entered when the subscriber performs a credit transaction such as cash withdrawal or payment for goods. , To immediately report to the security company 270 with the location information where the mobile terminal 210 is located.

The financial institution 250 approves or executes a financial transaction such as cash withdrawal or payment, such as a bank or credit card company, and the ATM terminal 260 withdraws or deposits a deposit of a customer subscribed to the financial institution 250. As a terminal, it is installed in the financial institution 250 or in a public place where a lot of people gather.

The security company 270 refers to a private security guard company or a government police station or police station, etc. The security company 270 stores the location information transmitted from the carrier customer management server 240 security company (270). In combination with a geographic information system (not shown) installed therein, the mobile terminal 210 tracks the location of the mobile terminal 210 on a map in real time and displays the information on a monitor. Therefore, the security company 270 continues to receive the location information until the end of the situation to arrest the criminal to continue tracking the mobile situation of the mobile terminal 210 to inform the agents dispatched to the scene to arrest the criminal.

3 is a block diagram schematically illustrating an internal configuration of the mobile terminal 210.

The mobile terminal 210 includes a keypad 310 for inputting data such as a called telephone number; A keypad connection unit 312 connected to the keypad 310 to receive key input data; An LCD (Liquid Crystal Display) 314 for displaying and displaying the price of goods received wirelessly from the ATM terminal 260; An LCD driver 316 for converting data into an LCD display signal; A ROM (318) in which an electronic serial number (ESN) and a mobile identification number (MIN), which are unique numbers of the mobile terminal 210, are stored; A codec (Coder-Decoder) 320 for converting input digital audio data into an analog audio signal and converting the analog audio signal into digital audio data; An input amplifier 322 for amplifying the analog audio signal input through the microphone Mic to a predetermined level; An output amplifier 324 for power amplifying the analog audio signal and outputting the same to a speaker Sp; A wireless transmitter 326 for wirelessly transmitting data to the CDMA mobile communication network 130; A wireless receiver 328 for wirelessly receiving data from the CDMA mobile communication network 130; A mobile station modem 330 that performs a data modulation / demodulation function associated with call processing and mobile communication protocol processing, and controls an approval request for a financial transaction; And an infrared port 332 for outputting input data in the form of an infrared signal and transmitting and receiving an infrared signal with the AT terminal 260.

The station unit 330 in the mobile terminal 210 performs the protocol and system control functions defined in the IS-95A. In addition to the basic voice recognition function, voice memo, and voice recording function, the station unit 330 includes an infrared port 332 for infrared communication. It provides functionality, enabling infrared communication without the need for a separate chipset for infrared communication.

4 is a block diagram schematically illustrating an internal configuration of the mobile communication company customer management server 240.

The mobile communication company customer management server 240 includes a communication interface unit 410, a control unit 420, a program storage unit 430, a customer management database 440, a display unit 450, a key input unit 460, and the like. .

The communication interface unit 410 sets a communication environment including a communication port setting for communication with the mobile communication switching center 230, the financial institution 250, the security company 270, and the like. When the credit protection password is received by the communication interface unit 410 during a financial transaction, the control unit 420 requests and receives the location information of the mobile terminal 210 from the mobile communication switching center 230, and based on this, the emergency unit receives an emergency. A crime signal message is generated and controlled to be sent to the security company 170.

The program storage unit 430, if a normal transaction password is received during a financial transaction, approves to perform a financial transaction related to a normal deposit and withdrawal, and if a personal protection password is received, the mobile terminal 210 performs a financial transaction. Check the location information of the) is stored on the basis of the program for performing an emergency crime report to the security company 270 is stored.

The control unit 420 controls the entire apparatus according to the personal safety emergency report program of the program storage unit 430. The customer management database 440 stores the customer information of the subscriber who receives the mobile communication service as data. In particular, a normal transaction password and a personal protection password are assigned to each customer for financial transactions. The control unit 420, whether the password received by the communication interface unit 410 based on the normal transaction password and the personal protection password stored in the customer management database 440 is a normal transaction password or a personal protection password. It will be judged.

The display unit 450 displays an operation state of the mobile communication company customer management server 240, and displays the execution status of the personal safety emergency report program. The key input unit 460 is used as a means for the administrator to input the information or command of the customer required for the personal safety emergency report program.

FIG. 5 is a block diagram schematically showing the internal configuration of the ATM terminal 260 shown in FIG.

ATM terminal 260 includes an infrared transceiver 510 for transmitting and receiving an infrared signal with the infrared port 332 in the mobile terminal 210; A ROM 520 in which an identification code of a financial institution is registered and stored; A data input unit 530 for data input including a price in a financial transaction; A data transceiving unit 540 for transceiving data with respect to the financial institution 250 and the financial transaction; A financial transaction processing unit 550 for inputting or outputting cash according to the financial transaction; And a microprocessor 560 for performing a financial transaction based on a unique number (ESN and MIN), a financial institution identification code, a payment price, and the like of the mobile terminal 210. Here, the data transmission / reception unit 540 includes a communication modem for modulating / demodulating key input and card read data.

In addition to the above configuration, the ATM terminal 260 may be connected to a value added network (VAN) company through a public switched telephone network (PSTN) to exchange data. The VAN is a company that relays the connection with the credit card company according to the card type of the credit card user, VAN's relay system is usually connected to the credit card company's cash service system and X.25 dedicated packet network. The credit card company is provided with a cash service approval server for approving the cash service provision.

In addition, the ATM terminal 260 may include a display unit for displaying various screens, a card inlet for inserting a credit or cash card, a card reader for reading data recorded on the card, a printer for printing a transaction receipt, and a receipt for discharging a transaction receipt. It includes an outlet, a cash outlet for paying cash, etc., which is omitted because it is a general configuration.

Next, the personal safety service method using wireless infrared communication of the mobile terminal will be described in detail with reference to the flowchart shown in FIG. 6 based on the configuration of the personal safety service system described above.

6 is a flowchart illustrating a personal safety service method using wireless infrared communication of a mobile terminal according to an embodiment of the present invention.

First, in the personal safety service system, when a general user purchases a mobile terminal 210 capable of wireless infrared communication and joins a mobile communication network, the mobile communication company receives personal information about a user of the mobile terminal 210 and moves. The terminal 210 is given a telephone number (MIN) of the terminal. At this time, it is also checked whether the user uses the credit card function using the mobile terminal 210.

The mobile communication company stores personal information and registration information of the user of the mobile terminal 210 in the customer management database 440 of the mobile communication company customer management server 240 to register as a subscriber of the mobile communication network capable of a credit card function ( S610).

In addition, the mobile telecommunication company gives the mobile terminal 210 a dual transaction password and a personal protection password for a credit card function (S620). Therefore, for the mobile terminal 210 of the subscriber, the customer management database 440 corresponds to the normal transaction password and the personal protection password, including the terminal's telephone number (MIN) and the terminal's unique electronic serial number (ESN). It is stored.

On the other hand, it will be described on the assumption that the subscriber having the mobile terminal 210 is caught by the criminal and forced to make a financial transaction.

In order to withdraw cash using the credit card function of the mobile terminal 210 by the coercion of the criminal, the subscriber who is in front of the ATM terminal 260 with the criminal operates the financial transaction input unit 530 of the ATM terminal 260. Start a financial transaction (S630).

The microprocessor 560 of the ATM terminal 260 converts the data about cash withdrawal amount input to the financial transaction input unit 530 into an infrared signal form by the infrared transceiver 510, and then, a predetermined distance from the ATM terminal 260. Wireless transmission to mobile terminal 210 located within.

In the mobile terminal 210, the station unit 330 receives the infrared signal transmitted from the ATM terminal 260 to the infrared port 332, restores it to the original data, and with the recovered cash withdrawal data A guide message requesting input of a password to approve is operated on the LCD driver 316 and output on the LCD 314.

Accordingly, the subscriber or the criminal visually confirms the cash withdrawal amount displayed on the LCD 314 of the mobile terminal 210, and then inputs a password by operating the keypad 310. The reason for entering the password to approve is to prevent the payment withdrawal by another user.

In this case, when the subscriber possesses and operates the mobile terminal 210, the user will enter a personal protection password. However, when a criminal possesses the mobile terminal 210 and asks the subscriber to tell the password, the subscriber must enter the personal protection password. You can tell the offender to manipulate it.

In this process, if the personal protection password is input to the keypad 310 of the mobile terminal 210 by the subscriber or the criminal (S640), the station unit 330 of the mobile terminal 210 enters the input password and the ROM 318. Compose the approval data including the phone number (MIN) of the terminal and the unique electronic serial number (ESN) of the terminal stored in the terminal, and converts the approval data into an infrared signal form by the infrared port 332, the mobile terminal Wireless transmission to the ATM terminal 260 located within a certain distance from 210.

The ATM terminal 260 receives the approval data transmitted from the mobile terminal 210 as a wireless infrared signal to the infrared transceiver 510, and the microprocessor 560 receives the received approval data by the data transceiver 540. Transfer to financial institution 250.

If the financial institution 250 such as a bank includes a personal protection password among the approval data transmitted from the ATM terminal 260, the financial institution 250 transmits the approval data to the mobile communication company customer management server 240.

When receiving the approval data from the financial institution 250, the mobile communication company customer management server 240 searches the customer management database 440 to determine whether the password is a personal protection password or a normal transaction password.

If the password of the approval data is determined to be a personal protection password, the controller 420 transmits the location information of the mobile terminal 210 to the mobile communication switching center 230 based on the phone number of the terminal and the electronic serial number of the terminal in the approval data. request.

The mobile communication switching center 230 checks the location information of the mobile terminal 210 based on the information stored in the HLR 232 and the VLR 234 and transmits the location information of the mobile terminal 210 to the mobile communication company customer management server 240 (S650). .

The mobile communication company customer management server 240 has an emergency report to the security company 270 with the location information of the mobile terminal 210 received from the mobile communication switching center 230 and the mobile terminal 210 to the financial institution 250. By transmitting a message for approving the financial transaction for the financial institution 250 to accept the financial transaction (S660).

Therefore, by making a financial transaction with respect to the mobile terminal 210, an emergency report is made to the security company 270 while protecting the identity of the subscriber held hostage by the criminal.

Meanwhile, in the security company 270, the location information received from the mobile communication company customer management server 240 is combined with a geographic information system (not shown) installed therein to track the location of the mobile terminal 210 on a map in real time. The display is displayed on a monitor, and the agent detects the offender by continuously tracking the movement state of the mobile terminal 210 until the end of the arrest state and informing the agents who have dispatched to the site.

As described above, when a subscriber makes a financial transaction using the mobile terminal 210 while being held hostage by a criminal, the subscriber inputs a normal transaction password instead of a personal protection password in step S640. Therefore, when the normal transaction password is input by the mobile terminal 210 (S670), the ATM terminal 260 receives the approval data including the normal transaction password through the financial institution 250, the mobile communication company customer management server ( 240, and then the financial institution 250 approves the financial transaction, so that the ATM terminal 260 performs a normal financial transaction with respect to the mobile terminal 210 (S680).

That is, according to the above embodiment, when a subscriber having a mobile terminal 210 equipped with a credit card function performs a financial transaction in a dangerous situation, he / she inputs a personal protection password for a password required to approve the financial transaction. By doing so, it is possible to realize a personal safety service system and a method using a double beacon number which can automatically report to a security company 270 such as a police station while performing a financial transaction.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, when a financial transaction is made by using a mobile terminal 210 forcibly and not by an arbitrary person, the financial transaction can be urgently reported to a security company by using a personal protection password. have.

In addition, the criminal arrest can be easily performed using the location information of the mobile terminal 210, and a physically weak woman or an elderly person can carry out a financial transaction to carry out safety by carrying the mobile terminal 210. Can be done.

Claims (17)

In the personal safety service system that performs the personal safety service using the location tracking function and the dual password using a mobile communication network, A mobile terminal 210 which performs a telephone call and a credit card function using the mobile communication network; A financial institution 250 that authorizes the credit card function of the mobile terminal 210; An ATM terminal 260 remotely connected to the financial institution 250 and performing a financial transaction with respect to the mobile terminal 210; A security company (270) responsible for security as a private security guard or government police guard; And The mobile communication network stores, modifies, deletes or edits the information of the subscriber who is provided with the mobile communication service, and the normal transaction password and the subscriber to perform the financial transaction using the mobile terminal 210. If the personal protection password is dually assigned and the personal protection password is input when the subscriber performs a financial transaction using the mobile terminal 210, the mobile terminal 210 has the location information of the mobile terminal 210 immediately. Carrier customer management server 240 for performing an emergency reporting function to the security company (270) Personal security service system using a dual password, characterized in that it comprises a. The method of claim 1, The mobile communication network includes a visitor location register (VLR) 234 for temporarily storing subscriber information when the mobile terminal 210 performs location registration; And In addition to the telephone call of the subscriber of the mobile terminal 210, the mobile terminal 210 has a mobile identification number (MIN), a mobile terminal 210 (Electronic Serial Number (ESN)) and information about the type of service Home Location Register (HLR) (232) Personal safety service system using a double beebil number, characterized in that it comprises a. The method of claim 1, The credit card function of the mobile terminal 210 is a personal security service system using a double bill number, characterized in that it includes payment, cash deposit and withdrawal, credit transactions. The method of claim 1, The mobile terminal 210 is a personal security service system using a dual password number, characterized in that for performing a financial transaction for the ATM terminal 260 using wireless infrared communication. The method of claim 1, The security company 270 includes a geographic information system for outputting geographic information as a map image therein, and combines the location information transmitted from the mobile communication company customer management server 240 with the geographic information system to provide the map image. Personal safety service system using a dual beebil number, characterized in that to monitor in real time the location of the mobile terminal 210 on the monitor. The method of claim 1, wherein the mobile terminal 210, A keypad 310 for data entry, including called party number; A keypad connection unit 312 connected to the keypad 310 to receive key input data; A liquid crystal display (LCD) 314 for outputting and displaying a cash withdrawal amount received wirelessly from the ATM terminal 260; An LCD driver 316 for converting the cash withdrawal data into an LCD display signal; A ROM (318) for storing an electronic serial number (ESN) and a mobile identification number (MIN) of the mobile terminal 210; A codec (Coder-Decoder) 320 for converting input digital audio data into an analog audio signal and converting the analog audio signal into digital audio data; An input amplifier 322 for amplifying the analog audio signal input through the microphone Mic to a predetermined level; An output amplifier 324 for power amplifying the analog audio signal and outputting the same to the speaker Sp; A wireless transmitter 326 for wirelessly transmitting data to the mobile communication network; A wireless receiver 328 for wirelessly receiving data from the mobile communication network; A mobile station modem 330 for controlling data modulation and demodulation according to call processing and a mobile communication protocol, and an authorization request for a financial transaction; And an infrared port (332) for outputting input data in the form of an infrared signal and transmitting / receiving an infrared signal with the AT terminal (260). The method of claim 1, wherein the mobile communication company customer management server 240, A communication interface unit 410 for setting a communication environment including a communication port setting for communication with the mobile communication switching center 230, the financial institution 250, and the security company 270; When the financial protection password is received by the communication interface unit 410 during a financial transaction, the mobile communication switching center 230 requests and receives the location information of the mobile terminal 210, and based on this, an emergency crime signal message. A control unit 420 for controlling an operation of generating and transmitting the generated data to the security company 170; If the normal transaction password is received at the time of the financial transaction, the financial transaction related to the normal deposit and withdrawal is approved, and if the personal protection password is received, the position of the mobile terminal 210 is performed while performing the financial transaction. A program storage unit 430 for storing a personal safety emergency report program for confirming information and performing an emergency crime report to the security company 270 based on the information; A customer management database 440 in which customer information of a subscriber receiving a mobile communication service is stored as data, and a normal transaction password and a personal protection password are assigned and stored for each customer for a financial transaction; A display unit 450 displaying an operation state of the mobile communication company customer management server 240 and displaying an execution status of a personal safety emergency report program; And Key input unit 460 used as a means for inputting information or instructions of the customer required for the personal safety emergency report program Personal security service system using a dual password, characterized in that it comprises a. The method of claim 1, wherein the ATM terminal 260, An infrared transceiver 510 for transmitting and receiving an infrared signal with the mobile terminal 210; A ROM 520 in which an identification code of the financial institution 250 is registered and stored; A financial transaction input unit 530 for data input including a price in a financial transaction; A data transceiving unit 540 for transceiving data for financial transactions with the financial institution 250; A financial transaction processing unit 550 for inputting or outputting cash according to the financial transaction; And Personal security using a dual password, characterized in that it comprises a microprocessor 560 for performing a financial transaction based on the unique number (ESN and MIN), financial institution identification code, cash withdrawal price of the mobile terminal 210 Service system. The method of claim 6, The station unit 330 performs a protocol and system control function defined in IS-95A, and performs an infrared communication function through the infrared port 332 in addition to basic voice recognition function, voice memo and voice recording function. Personal security service system using dual password. The method of claim 7, wherein The controller 420 determines whether the password received by the communication interface unit 410 is a normal transaction password based on the normal transaction password and the personal protection password stored in the customer management database 440. Personal security service system using a dual password characterized in that it determines whether or not a protective password. The method of claim 8, The data transmitting and receiving unit 540 is a personal security service system using a dual password, characterized in that it comprises a communication modem for modifying / demodulating the key input and card read data. The method according to claim 1 or 8, The ATM terminal 260 may be connected to a value added network (VAN) company through a public switched telephone network (PSTN) to exchange data. Service system. A mobile terminal 210 which performs a phone call using a mobile communication network and performs a credit card function; A financial institution 250 that authorizes the credit card function of the mobile terminal 210; An ATM terminal 260 remotely connected to the financial institution 250 and performing financial transactions with the mobile terminal 210 using the wireless infrared communication; A security company (270) responsible for security as a private security guard or government police guard; And store, modify, delete, or edit the information of the subscriber who receives the mobile communication service by subscribing to the mobile communication network, and the normal transaction password so that the subscriber performs the financial transaction using the mobile terminal 210. And a dual protection password, and if the personal protection password is input when the subscriber performs a financial transaction using the mobile terminal 210, the location information of the mobile terminal 210 is immediately obtained. As a personal safety service method using a dual password of the personal safety service system having a mobile communication company customer management server 240 for performing an emergency reporting function to the security company 270, (a) registering as a subscriber to the mobile communication network with the mobile terminal (210) equipped with the credit card function; (b) the mobile telecommunication company customer management server 240 granting the mobile terminal 210 a normal transaction password and a personal protection password for the financial transaction in duplicate; (c) the mobile terminal 210 executing a financial transaction with respect to the ATM terminal 260; (d) the mobile communication company customer management server 240 determining whether the personal protection password has been input from the mobile terminal 210; (e) when the personal protection password is input, requesting and receiving location information of the mobile terminal 210 from the mobile communication company customer management server 240 to the mobile communication network; And (f) the mobile communication company customer management server 240 urgently reports to the security company 270 with the location information of the mobile terminal 210 and reminds the financial transaction of the mobile terminal 210. Transmitting to the financial institution 250 to perform a financial transaction Personal security service method using a dual password, characterized in that it comprises a. The method of claim 13, When the mobile terminal 210 performs location registration, the mobile communication network establishes a visitor location register (VLR) 234 that temporarily stores subscriber information and a telephone call of the subscriber of the mobile terminal 210. In addition, a home location register (HLR) 232 having information on a mobile identification number (MIN), an electronic serial number (ESN), and a service type of the mobile terminal 210 is included. Personal security service method using a double password, characterized in that to provide the location information of the mobile terminal 210 to the mobile communication company customer management server based on the location information registered in the). The method of claim 13, In the step (b), the mobile communication company customer management server 240 stores the normal transaction password and the personal protection password assigned to the mobile terminal 210 corresponding to the subscriber information, respectively Personal security service method using password. The method of claim 13, In the step (c), the mobile terminal 210 performs a financial transaction for the ATM terminal 260 by using a wireless infrared communication method of personal security service using a double password. The method of claim 13, In the step (d), the mobile communication company customer management server 240 is a secret received from the mobile terminal 210 based on the normal transaction password and personal protection password previously stored in its database Personal security service method using a dual password characterized in that it is determined whether the password is a normal transaction password or personal protection password.