KR20040031434A - Real Time Account Information Control System using on Mobile Device - Google Patents

Abstract

PURPOSE: A system for receiving account information in real-time using a mobile device and a service method thereof are provided to receive/inquire the information for the account information change through the mobile device and maximize reliability of service by adding a function for encrypting/decrypting the transmitted information and an electronic signature technology for authentication. CONSTITUTION: An account information informing system(A2) automatically informs a user of changed particulars through the mobile device by receiving the changed account information from a banking system(A1) of a bank. As receiving the changed particulars from the account information informing system, the mobile device enables the user to inquire the account information through an encrypted security channel by connecting to a wireless Internet. The mobile device comprises an account management module(A3) and a security module(A4). The security module comprises a certificate manager, an electronic signature generator, and a security communicator.

Description

Real-time account information receiving system using mobile device and its service method {Real Time Account Information Control System using on Mobile Device}

The present invention relates to a service method and system for notifying the financial customer in real time about the occasional change of the account information that the user does not know with convenient financial services such as Internet banking and automatic transfer, and more particularly. In addition to the rapid development of wireless communication technology and wireless Internet security technology, bank account information (other secret information, credit information, etc.) of frequent users in an environment that serves as a means of personal communication and expansion of personal retention rate of various mobile devices such as mobile phones and PDAs It is to ensure the service reliability of the wireless internet environment by maximizing the convenience of the user's financial information and providing the service based on the security function by allowing the user to receive and confirm the notification through the mobile device in real time.

Recently, due to the development of e-commerce and consumption culture, frequent changes of account information such as Internet banking and payment processing for card use have occurred in individual financial accounts. It was a passive service that can be viewed only by accessing it through banking or home banking.

Therefore, every time the account information is changed, since the individual does not know the changed until the account is verified directly, various problems may occur accordingly. For example, if you decide to deposit money into your account, it will take more time and effort because you will need to connect to a bank window, phone, or internet several times to confirm the deposit. If you don't know you don't have enough money in your account, you can be inadvertently credited by handing over your card.

In particular, since most financial customers have a large number of account information, it is more difficult to know whether each account information has changed.

In order to solve the above problems, the necessity of active service change of a financial institution has emerged through notification of real-time changes of customer account information that changes frequently.

In addition, the account information is confidential information of the individual and provides the protection by using encryption technology (PKI, encryption / decryption algorithm, etc.) in preparation for the exposure generated when the information is transmitted to the mobile device in the form of plain text. .

The present invention is a service model that enables real-time reception and inquiry through mobile devices with personal portability, in order to maximize the convenience of financial customers, and transmits to prevent exposure of financial information. It aims to maximize the reliability of the service by adding information encryption / decryption processing functions and digital signature technology to verify identity.

1 is a system configuration for a real-time account information receiving service using a mobile device configured in accordance with the present invention.

Figure 2 is a mobile device configuration for receiving and processing bank account change information for the service of the present invention is made.

Figure 3 is a server system configuration for transmitting the account information notification to the mobile device of the card holder in real time to achieve the service proposed in the present invention.

4 is a flowchart of a service procedure in a mobile device for receiving real time account change information.

5 is a flowchart of a service procedure in an account information notification system for real time account change control.

The present invention is composed of a mobile device and account information notification system for enabling the user to know the status of the account of the financial institution through real-time reception of account information in order to achieve the above object. The account information changes frequently due to bank transfer, payment processing, etc., and the information is collected by the account information notification system and notified to the registered mobile device. The received mobile device user encrypts his / her account information Can be viewed through the channel.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in describing each of the drawings, the same components have the same reference numerals as much as possible even though they are shown in different drawings.

FIG. 1 illustrates that when an account of a customer (user) registered in an account management system A1 of a financial institution is changed, the account information notification system A2 is received and transmitted to the account management module A3 of the mobile device through a wireless network. Shows the schematic diagram for processing.

Account information changes from time to time for various purposes and times, such as Internet banking, card payments, and utility bill transfers. The banking system transmits the change of the customer's financial account to the account information notification system A2, and the account information notification system notifies these changes to the registered subscriber's mobile device. These services can prevent late payments and disadvantages of bad credit due to lack of funds in case of timely payment. The account information notification system notifies the user of the account information change through a technology such as SMS (Short Message Service), and the received mobile device can check the details through the wireless Internet connection. Account information inquiry should be guaranteed on the basis of the user authentication and secure channel through the security module (A4) to ensure the security of the service.

2 is a block diagram of a mobile device required for the service proposed by the present invention. Mobile device is divided into service processing unit and security management unit. The service processor is composed of a part B1 for managing real-time account information and an account information management part B2 for efficient management of a plurality of accounts.

The security management unit manages security information necessary for user authentication such as issuing, revocation, and suspension of public key infrastructure for user authentication processing through a mobile device (B3), and for real-time inquiry on account changes. It consists of a digital signature generation part B4 necessary for owner authentication, a communication channel and a secure communication part B5 for processing various encryption algorithms. User authentication may use a variety of mechanisms, such as certificates, passwords, and security cards in a wireless environment.

3 is a server management system for notification of account information change, and is divided into a service processing unit and a security management unit. The service processing unit transmits the information about the account information change received to the banking system for the registered user to the mobile device so that the user can be notified that the payment information has been changed. : A user information management part C1 for managing a telephone number) and service status, an account information management part C2 corresponding to each user, and an information transmission part C3 for notifying change of account information. .

The security management unit manages a certificate (or user authentication information such as a password) for the registered user, and provides a certificate management part C4 for providing information for verifying the legitimacy of the connected user through notification of account information change, and account information. A user authentication portion C5 having a legitimacy determination function for access, and a secure communication portion C6 for providing encryption / decryption processing on communication by providing a secure communication channel.

4 is a procedure for successfully inquiring the account change information after receiving a message indicating that the account information has been changed in the mobile device. The account information communication system notifies the registered mobile device of the change of the account. The mobile device receives such a message (E1) and accesses an account inquiry server using wireless Internet to check the change history of the account information and receives the related account change information. (E2) The account information is encrypted / decrypted. Access to information received through identity verification (digital signature verification, passwords, etc.) (E3) protects against unauthorized disclosure of account information. The received account information is decrypted by user authentication through the identity verification process (E4) and output to the screen to confirm the end user. (E5)

5 is a service flow chart performed in the account information notification system, and receives the customer account information change from the banking system (D1) and determines whether the user registers the service for notification of the account information change. (D2) In the case of a registered user The notification of the account information change is transmitted (D3), and the user sees the received notification message and accesses the account inquiry service module. In this case, the information for transmission to the mobile device is encrypted based on the customer's secret information (D4) and the information is transmitted (D5).

As described above, the real-time account information notification service according to the present invention receives a real-time notification of account changes for Internet banking, card payment, automatic transfer, etc., thereby allowing mobile banking or banking to directly check the bank account without the hassle. It is an active service type of wireless internet banking service that can be processed in the device. Therefore, it is possible to minimize damages due to late payments or bad credit caused by lack of balance on the account.

In addition, it provides customer convenience by receiving and retrieving account change information, which is their personal information, in real time in the wireless internet banking, which maximizes the mobility of the Internet.

Claims (6)

An account information notification system that receives the changed financial account information from the banking system of the bank and automatically notifies the change to the registered mobile device; Receive notification of the change from the account information notification system, the user can access the wireless Internet and receive the real-time account information using the mobile device, characterized in that it comprises a; system. The mobile device of claim 1, wherein the mobile device comprises: a service processor comprising a portion B1 for managing real-time account information and an account information management portion B2 for efficient management of a plurality of accounts; Certificate management part (B3) that manages security information required for user authentication, such as issuing, revocation, and suspension of certificates in the public key infrastructure for user authentication processing, and generating digital signatures for owner authentication for real-time inquiry on account changes. Real-time account information receiving system using a mobile device, comprising: a security management unit comprising a portion (B4), a communication channel and a secure communication portion (B5) for processing various encryption algorithms. The method of claim 1, wherein the account information notification system includes: a user information management portion (C1) for managing a user's Mobile Device identification number and service status for a service, an account information management portion (C2) corresponding to each user, A service processing unit comprising an information transmission part C3 for notifying the account information change; Certificate management portion (C4) that provides information for verifying the legitimacy of a user who is connected through the account information change notification, user authentication portion (C5) having a legitimacy determination function for accessing account information, and providing a secure communication channel for communication Real-time account information receiving system using a mobile device comprising a; security management unit consisting of a secure communication portion (C6) in charge of encryption / decryption processing on the top. (1) receiving the changed financial account information of the registered subscriber from the banking system of the bank in the account information notification system and notifying the mobile device of the user of the change of the account financial account information; (2) receiving notification of the change from the account information notification system in the mobile device, accessing the wireless Internet and inquiring the account information through an encrypted secure channel; real time account information using the mobile device Receive service method. 5. The method of claim 4, wherein step (1) comprises: receiving (D1) whether to change customer account information from a banking system; Determining whether a user registers a service for notification of change of account information (D2); Determining whether the user is a registered user, and if the user is a registered user, transmitting a notification regarding a change in account information (D3); Encrypting the information to be transmitted to the mobile device based on the secret information of the customer when the notification message received by the user is connected to the account inquiry service module (D4); Transmitting the information to the mobile device (D5); real-time account information receiving service method using a mobile device, characterized in that consisting of. 5. The method according to claim 4, wherein said step (2) comprises: (E1) receiving a message of whether to change account information from an account information notification system; Receiving an encrypted related account change information by accessing an account inquiry server using wireless Internet to confirm a change history of the account information (E2); A user verification step (E3) through digital signature verification and password verification to prevent illegal exposure of account information; Decrypting (E4) the account information received through the user verification step; Finally, the decoded account information is output to the user's screen (E5); real-time account information receiving service method using a mobile device, characterized in that consisting of.