KR20050099882A - Direct connection management server for inducing tele-banking user to mobile-banking, system and method for wireless internet direct connection using it - Google Patents

Abstract

The present invention is coupled between the ARS server 110, which is an automatic response service providing device of a financial institution, and a mobile communication system 130 for providing a mobile communication service for the mobile communication terminals 100 and 100 ', and a TCP / IP protocol. In accordance with the ARS server 110 and the mobile communication system 130 and transmits and receives data, and receives the mobile phone number of the mobile communication terminal (100, 100 ') from the ARS server 110 and the mobile phone number Determines whether the short message type is automatic or semi-automatic by grasping the wireless Internet access method according to the model and model of the mobile communication terminal (100, 100 '), and provides the mobile banking service according to the determination result. Induce telebanking customers to mobile banking, characterized in that an automatic short message or semi-automatic short message including an Internet address is transmitted to the mobile communication terminal (100, 100 '). It relates to a direct connection management server, a wireless Internet direct connection system and method using the same.

Description

DIRECT CONNECTION MANAGEMENT SERVER FOR INDUCING TELE-BANKING USER TO MOBILE-BANKING, SYSTEM AND METHOD FOR WIRELESS INTERNET DIRECT CONNECTION USING IT }

The present invention relates to a direct connection management server for guiding a telebanking customer to mobile banking, a wireless internet direct connection system and method using the same, and more specifically, a mobile banking portal linked to an infrastructure based on an already established financial institution call center. It provides an advanced financial service that can be used more easily and conveniently to end customers by establishing an environment, and accordingly, a direct connection management server for activating a mobile banking service, a wireless Internet direct connection system using the same, and It is about a method.

Recently, as the performance of mobile communication terminals and networks such as mobile phones and PDAs (Personal Digital Assistants) is improved, mobile banking using mobile communication terminals has also been rapidly commercialized.

Mobile banking service has a great advantage in that the user can conveniently handle financial tasks such as account inquiry, transfer payment, interest payment, loan inquiry, etc. anytime, anywhere without visiting the bank. In general, the mobile banking service is a wireless application protocol (WAP) based wireless Internet service provided through a communication network such as code division multiple access (CDMA), and the like, such as a bank by driving a WAP browser on a mobile communication terminal. It connects to a URL (Uniform Resource Locator) of a financial institution, enters an ID and password of an Internet banking user, authenticates the service, and provides a necessary service.

Conventionally, a customer who wants to use a financial service of a financial institution calls a call center of a financial institution and uses a telebanking service that performs a service procedure according to a voice prompt message or runs a wireless browser on a mobile communication terminal that he / she carries. After accessing the web page and logging in, the mobile banking service has been used.

However, in the prior art in which tele banking and mobile banking are provided separately without a contact point, problems such as inefficiency and increased load on the network can be generated by dividing the existing system into a limited use. .

In order to solve these problems and to meet the needs of customers in accordance with the activation of mobile banking services, the necessity of establishing a mobile banking portal environment that is combined with a telebanking service used by many customers has been raised.

Accordingly, an object of the present invention is to solve the above-mentioned problems, and interwork with an infrastructure based on a financial institution call center based on a wireless internet direct connection system and a method for guiding a telebanking customer to mobile banking. To build a mobile banking portal environment.

In addition, another object of the present invention is to provide a wireless Internet direct connection system and a method for inducing telebanking customers to mobile banking to provide an advanced financial services that can be used more easily and conveniently to customers as end customers, It is used for marketing to induce customers to use mobile banking and ultimately to activate mobile banking service.

A direct connection management server for guiding a telebanking customer to mobile banking according to the present invention for achieving the above object is provided to the ARS server 110 and the mobile communication terminal 100 and 100 ', which are automatic response service providing apparatuses of a financial institution. It is coupled between the mobile communication system 130 for providing a mobile communication service for, and transmits and receives data with the ARS server 110 and the mobile communication system 130 in accordance with the TCP / IP protocol, the ARS server 110 When receiving the mobile phone number of the mobile communication terminal (100, 100 ') from the mobile phone number to determine the wireless Internet access method according to the type and model of the mobile communication terminal (100, 100') short message type Determining whether it is automatic or semi-automatic, and the automatic short message or semi-automatic short message including the wireless Internet address for receiving the mobile banking service according to the judgment result It characterized in that for transmitting to the mobile communication terminal (100, 100 ').

Wireless Internet direct connection system for inducing telebanking customers according to the present invention to mobile banking provides voice guidance information for financial services to the call-connected mobile communication terminal (100, 100 '), when the call is released If necessary, the ARS server 110 transmits the mobile phone numbers of the mobile communication terminals 100 and 100 'to the DCMS server 120 and the mobile phone number received from the ARS server 110. SMS server of a mobile telecommunication company that identifies the type of the terminal (100, 100 ') and provides a short message service with an automatic short message or a semi-automatic short message with a wireless Internet address connected to the wireless Internet server 140 according to the model. Providing a wireless Internet page necessary for a mobile banking service to the DCMS server 120 and the mobile communication terminal (100, 100 ') to send to the mobile communication terminal (100, 100') through (133) In addition, the user uses the wireless Internet server 140 to provide the user pattern information generated in the process of using the mobile banking service to the monitoring server 150 and the user pattern information provided from the wireless internet server 140. It characterized in that it comprises the monitoring server 150 to analyze and display the behavior pattern of the.

In the wireless internet direct connection method for inducing a telebanking customer according to the present invention to mobile banking, a call connection is established between the mobile communication terminal (100, 100 ') and the ARS server 110 (S200), and the call is released. The ARS server 110 catches the mobile phone numbers of the mobile communication terminal (100, 100 ') and transmits them to the DCMS server 120 according to the data transmission standard (S210) and the DCMS server 120 Using the received mobile phone number to determine the wireless Internet access method according to the type of the mobile communication terminal (100, 100 '), accordingly the wireless Internet address for receiving a mobile banking service to the SMS server 133 is Requesting to send the attached automatic short message or semi-automatic short message to the mobile communication terminal (100, 100 ') (S220 to S240), and the SMS server 133 according to the request of the DCMS server 120; The mobile communication terminal 100, 1 00 ') sending an automatic short message or a semi-automatic short message to which a wireless Internet address is attached (S250, S250'), and the wireless Internet address included in the short message received by the mobile communication terminal (100, 100 '). Step (S260, S260 ') of connecting to the wireless Internet server 140 and the wireless Internet server 140 is connected to the banking server 160 of the financial institution to request the financial information necessary for the mobile banking service Receiving step (S270), and transmitting the user pattern information generated in the process of providing the mobile banking service by the wireless Internet server 140 to the monitoring server 150 (S280), and the monitoring server 150 Analyzes and displays the user's behavior pattern using the received user pattern information, and transmits and receives data to and from the LBS server 134 that tracks the real-time location of the mobile communication terminal (100, 100 ') to determine the current location of the user. It characterized in that it comprises a step (S290) of monitoring.

In the following description of the preferred embodiments of the present invention in detail with reference to the accompanying drawings, when it is determined that the detailed description of the related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Do it.

1 is an overall configuration diagram of a wireless Internet direct connection system according to the present invention.

Referring to FIG. 1, the wireless Internet direct connection system according to the present invention is configured based on the ARS server 110, the DCMS server 120, the wireless Internet server 140, and the monitoring server 150. The present invention is provided as a wireless Internet direct connection solution using a pre-established call center of a financial institution, and each component is linked through an organic communication network to induce customers connected to the call center to use a mobile banking service.

ARS server 110 (Auto Response Service Server) provides the voice guidance information for financial services to the call (mobile) terminal (100, 100 ') connected, call connection with the mobile terminal (100, 100') The device determines a necessity at the time of release and transmits a mobile identification number (MIN) of the mobile communication terminals 100 and 100 'to the DCMS server 120.

The direct connection management service server (DCMS) server 120 is a mobile communication system 130 that provides a mobile communication service for the ARS server 110, which is an automatic response service providing device of a financial institution, and the mobile communication terminals 100 and 100 ′. It is coupled with internal devices, and transmits and receives data with each device according to the TCP / IP protocol. When the mobile phone numbers of the mobile communication terminals 100 and 100 'are received from the ARS server 110, the mobile phone numbers are used to determine the wireless Internet access method according to the type and model of the mobile communication terminals 100 and 100'. Determines whether the message type is automatic or semi-automatic, and transmits the automatic short message or the semi-automatic short message including the wireless Internet address to receive the mobile banking service according to the determination result to the mobile communication terminal (100, 100 '). .

The wireless Internet server 140 is a device for providing mobile internet pages by providing WAP (Wireless Application Protocol) or ME / QUN-based wireless Internet pages, and interworking with a banking server 160 of a financial institution such as inquiry and transfer. This necessary financial service part is linked with the banking server 160.

The monitoring server 150 enables data mining (a method of finding meaningful schedule patterns from accumulated data) by analyzing and displaying user's behavior patterns.

S200 to S290 of FIG. 1 show data flows between components, which will be described in more detail with reference to FIG. 3.

2A to 2D are internal configuration diagrams of the devices constituting the wireless Internet direct connection system according to the present invention, and include the ARS server 110, the DCMS server 120, the wireless Internet server 140, and the monitoring server 150. The internal configuration of each is shown.

Referring to FIG. 2A, the ARS server 110 includes a call processing module 111 and an ARS-DCMS interworking module 112. The call processing module 111 provides voice guidance information for the banking service to the mobile communication terminals 100 and 100 'connected to the call, and the mobile phone number of the mobile communication terminals 100 and 100' when the call is released. It determines whether there is a need to transmit to 120, and catches the mobile number according to the determination result and calls the ARS-DCMS interworking module 112. The ARS-DCMS interworking module 112 interoperates with the DCMS server 120 according to the call from the call processing module 111 and transmits the mobile phone number according to the data transmission standard.

Referring to FIG. 2B, the DCMS server 120 is a direct connection management server and includes a DCMS-ARS interworking module 121, a UA inquiry module 122, a user information inquiry module 123, and an SMS transmission module 124. Configure. The UA inquiry module 122, the user information inquiry module 123, and the SMS transmission module 124 transmit and receive data with each device configured on the mobile communication system 130 of the mobile communication company (SK, LG, KTF, etc.). Inquire or extract required information.

The DCMS-ARS interworking module 121 interoperates with the ARS server 110 to receive the mobile phone numbers of the mobile communication terminals 100 and 100 'according to the data transmission standard. The UA inquiry module 122 transmits / receives data with the UA server 131 of the mobile communication company managing the terminal information to correspond to the mobile phone number received by the DCMS-ARS interworking module 121. ), And find out the wireless Internet access method according to the model. The user information retrieval module 123 retrieves user information corresponding to the mobile phone number received by the DCMS-ARS interworking module 121 in association with the user information retrieval server 132 of the mobile communication company managing the user information. The user information to be queried includes a client ID, a supplementary service subscription, name information of the mobile phone number, and the like. The SMS transmission module 124 is provided with an automatic short message or a semi-automatic short message with a wireless Internet address attached to the mobile communication terminal 100, 100 ′ in association with the mobile communication server's SMS server 133. The user connects the mobile communication terminal 100, 100 'to the wireless internet server 140 by using the mobile internet service by connecting to the wireless Internet address described in the short message sent to the mobile communication terminal 100, 100'. Done.

In addition, in configuring the DCMS server 120, the billing is settled according to the amount of the short message transmitted in the process of providing a short message to the mobile communication terminal (100, 100 ') via the SMS server 133, In response to the transmission request SM_REQ for transmitting the short message, it is possible to continuously check whether the transmission response SM_RES is received as a result value. In this case, charging is performed only when the short message reaches the mobile communication terminals 100 and 100 'and the transmission response SM_RES is received.

Referring to FIG. 2C, the wireless internet server 140 includes a security module 141, a wireless internet page module 142, and a banking server interworking module 143.

The security module 141 performs user authentication on the ID and password transmitted to the mobile communication terminals 100 and 100 '. If the user passes the authentication error three times in the process of inputting the ID and password into the mobile terminal (100, 100 '), the authentication is forcibly terminated so that the mobile terminal (100, 100') is a banking server of a financial institution ( 160 may be added to prevent access (access). As the mobile banking service is provided for each type by a user manipulation of the mobile communication terminals 100 and 100 ', the wireless internet page module 142 loads the wireless Internet page to the mobile communication terminals 100 and 100' by type. load). The banking server interworking module 143 is linked with the banking server 160 when a financial service that requires interworking with a banking server 160 of a financial institution such as a transfer or inquiry is selected.

Referring to FIG. 2D, the monitoring server 150 includes an LBS server interworking module 151 and a user pattern analysis module 152. The LBS server interworking module 151 interlocks with the LBS server 134 of the mobile telecommunication company that tracks the positions of the mobile communication terminals 100 and 100 'to determine the user position. The user pattern analysis module 152 receives user pattern information generated during the provision of the mobile banking service from the wireless Internet server 140, and analyzes and displays information on the behavior pattern of the user according to region / age / gender. The user pattern analysis module 152 grasps the behavior pattern of the user moving through the wireless Internet server 140, and analyzes the behavior pattern of the user according to region / age / gender by applying this, and sets the direction of future customer service. It is to be used in the process.

3 is an overall data flow diagram of a wireless Internet direct connection method according to the present invention.

A user makes a telephone call to a call center (for example, 1588-XXXX) of a financial institution using the mobile communication terminals 100 and 100 ', thereby connecting between the mobile communication terminals 100 and 100' and the ARS server 110. Call connection is established (S200).

When disconnecting the call, the ARS server 110 catches the mobile phone numbers of the mobile communication terminals 100 and 100 'and transmits them to the DCMS server 120 according to the data transmission standard, and the DCMS server 120 transmits the data. The mobile phone number is received from the ARS server 110 according to the transmission standard (S210).

The DCMS server 120 determines a wireless Internet access method according to the type of the mobile communication terminal 100, 100 'by using the received mobile phone number, and accordingly receives the mobile banking service to the SMS server 133. A request is made to send an automatic short message or a semi-automatic short message to which the wireless Internet address is attached to the mobile communication terminals 100 and 100 '(S220 to S240). More specifically, in this step, the DCMS server 120 transmits and receives data to and from the UA server 131 of the mobile communication company managing the terminal information using the received mobile phone model of the mobile communication terminal (100, 100 '). In step (S220), the DCMS server 120 transmits and receives data to and from the user information inquiry server 132 of the mobile communication company that manages the user information, the wireless Internet connection according to the type of the mobile communication terminal (100, 100 ') Determining the method (S230), DCMS server 120 to the SMS server 133, an automatic short message with a wireless Internet address attached to the wireless Internet access method according to the type of the mobile communication terminal (100, 100 ') or In step S240, a request for sending a semi-automatic short message is subdivided.

The SMS server 133 sends an automatic short message or a semi-automatic short message to which the wireless Internet address is attached to the mobile communication terminals 100 and 100 'according to the request of the DCMS server 120 (S250 and S250').

The mobile communication terminals 100 and 100 'are connected to the wireless Internet server 140 by accessing the wireless Internet address included in the received short message (S260 and S260'). In this step, the wireless Internet is applied to the mobile communication terminals 100 and 100 'by applying end-to-end security to protect information exchanged between the mobile communication terminals 100 and 100' and the wireless Internet server 140. When connecting to the server 140 to transmit and receive information, wireless authentication, and by preventing the exposure of the authenticated information, it can be configured to provide a higher security performance in a wireless environment.

The wireless Internet server 140 accesses the banking server 160 of the financial institution, requests and receives financial information necessary for the mobile banking service (S270), and monitors the user pattern information generated in the process of providing the mobile banking service. Transfer to 150 (S280).

The monitoring server 150 analyzes and displays the user's behavior pattern using the received user pattern information, and transmits and receives data to and from the LBS server 134 that tracks the real-time location of the mobile communication terminals 100 and 100 '. The current position is monitored (S290).

The user connects to the wireless Internet server 140 by accessing the Internet address included in the short message received by the mobile communication terminals 100 and 100 '(S260 and S260').

As a user selects and uses a mobile banking service such as an inquiry and a transfer by operating an input unit (keypad, electronic pen, etc.) of the mobile communication terminals 100 and 100 ', the wireless Internet server 140 may use the banking server 160. Access to receive and request the financial information required for the service (S270).

The wireless internet server 140 transmits and stores user pattern information on a moving path of the user to the monitoring server 150 in the process of using the mobile banking service (S280).

The monitoring server 150 monitors the location of the user in association with the LBS server 134 on the mobile communication system 130 (S290).

A wireless browser based on a wireless application protocol (WAP) is established on the mobile communication terminals 100 and 100 'to transfer data using the wireless Internet server 140 and a hypertext transfer protocol (HTTP). Configured to transmit and receive.

4 to 6 are data flow diagrams of some sections constituting the wireless Internet direct connection method according to the present invention.

4 is a data flow diagram between the ARS server 110 and the DCMS server 120 according to a data transmission standard configured as an example, and is applicable to the step S210 of FIG.

The ARS server 110 and the DCMS server 120 basically use a Transmission Control Protocol / Internet Protocol (TCP / IP) protocol which is a client / server model. That is, after transmitting the unit data by using the transmission request (SM_REQ) and receiving the transmission success (SM_ACK) or transmission failure (NAK) in response to the transmission and reception of the data by transmitting the next unit data or error processing will be.

In more detail, when the call is released, the ARS server 110 catches the mobile numbers of the mobile communication terminals 100 and 100 'and transmits them to the DCMS server 120 according to the data transmission standard (S210). It can be broken down as

First, the ARS server 110 transmits a TCP connection request to the DCMS server 120 to establish a TCP connection channel between the ARS server 110 and the DCMS server 120. The ARS server 110 transmits an authentication transmission request SM_REQ / BIND to the DCMS server 120 using the established TCP connection channel, and waits to receive the authentication transmission success SM_ACK / BIND in response. When the authentication transmission success (SM_ACK / BIND) is received, unit data transmission using unit data transmission request (SM_REQ / SUBMIT), unit data transmission success (SM_ACK / SUBMIT) is waiting to be received, and unit data transmission success (SM_ACK / SUBMIT) is received. Repeat the transmission of the next unit data using the unit data transmission request (SM_REQ / SUBMIT) according to the transmission of all the data for the mobile phone number. When all data is transmitted, the ARS server 110 transmits a transmission completion (SM_END / CLOSE) to the DCMS server 120 and releases the TCP connection channel.

If the unit data transmission success (SM_ACK / SUBMIT) is not received for a certain time after the ARS server 110 transmits the unit data transmission request (SM_REQ / SUBMIT) to the DCMS server 120, the TCP connection is considered as a failure situation. The step of disconnecting the channel and recommending reconnection may be further included.

5A and 5B are data flow diagrams between the DCMS server 120 and the SMS server 133 according to a data transmission standard configured as an example, and are applicable to the steps S240 to S250 and S250 'of FIG. 3.

The DCMS server 120 and the SMS server 133 also apply the TCP / IP protocol, which is basically a client / server model, a TCP connection channel is established between the DCMS server 120 and the SMS server 133, and a TCP connection channel is established. A method of repeating a process of receiving a transmission response (SM_RES) that is a result value from a device that is a message receiver after transmitting a transmission request (SM_REQ) by a device that is a message sender Sends and receives data.

Requesting the DCMS server 120 to send an automatic short message or a semi-automatic short message to which the wireless Internet address is attached according to the wireless Internet access method according to the type of the mobile communication terminals 100 and 100 'to the SMS server 133. In operation S240, a TCP connection channel between the DCMS server 120 and the SMS server 133 may be set. The automatic short message or semi-automatic short message may be sent to the SMS server 133 using the TCP connection channel set by the DCMS server 120. The message transmission request SM_REQ / SIMPLE, which is a signal requesting to send a message, may be transmitted, and may be subdivided into steps of waiting to receive a message transmission response SM_RES / SIMPLE.

In addition, the SMS server 133 transmits an automatic short message or a semi-automatic short message with a wireless Internet address attached to the mobile communication terminal (100, 100 ') at the request of the DCMS server 120 (S250, S250'). In order to distinguish the short message transmitted to the mobile communication terminal (100, 100 '), it is possible to generate and use a message designation value (Msgld) for each short message, which is the only value characterizing the short message. When the message designation value is used together with the transmission response SM_RES that is a result of the transmission request SM_REQ, the device receiving the transmission response SM_RES may recognize which message is the result value.

6 is a data flow diagram between the monitoring server 150 and the LBS server 134 and is applicable to step S290 of FIG. Monitoring server 150 transmits and receives data with the LBS server 134 for tracking the real-time location of the mobile communication terminal (100, 100 ') (S290) is subdivided as follows.

The monitoring server 150 transmits a TCP connection request to the LBS server 134 to establish a TCP connection channel, and then transmits a location information request for the mobile communication terminals 100 and 100 'to the LBS server 134. The LBS server 134 transmits a TCP connection release to the monitoring server 150 after transmitting a location information response including at least one of a result of transmission of success or failure to the monitoring server 150 according to the location information request. To release the TCP connection channel.

7 is a diagram illustrating a screen of a mobile communication terminal constituting a wireless Internet direct connection system according to the present invention. The user interface is displayed on the mobile communication terminals 100 and 100 'as a mobile banking service proceeds. An example of the process of changing is shown.

The user dials '1588-XXXX' of a financial institution and connects his mobile communication terminals 100 and 100 to the ARS server 110 built in a call center of the financial institution. After the ARS server 110 sends out the voice guidance information to the mobile communication terminals 100 and 100, press 1 for telebanking and 2 for copying banking. It is assumed that 2 is selected using an input unit (keypad, electronic pen, etc.) of 100 '). In this case, the ARS server 110 recognizes that the user of the mobile communication terminal (100, 100 ') wants to use a mobile banking service, and transmits the mobile phone number of the mobile communication terminal (100, 100') to the DCMS server (120). By transmitting to the next step to proceed, the mobile communication terminal (100, 100 ') to be provided to the wireless Internet pages as shown in Figure 7 so that the user can use the desired financial services.

Compose a wireless internet page of the same or similar form as a wireless internet page that is established in a wireless carrier's wireless portal site (for example, www.nate.com, etc.), but the basic page provides a desired financial service. User convenience is provided by providing a user interface so that the visit process can be minimized.

The voice guidance information provided from the ARS server 110 includes a mobile banking user menu, a telebanking user menu, a general user menu, an agent connection menu, and the like, and provides an automatic response service using the mobile communication terminals 100 and 100 '. Allows the recipient to choose the type of financial service. That is, by configuring menus for telebanking users, Internet banking users, and general users respectively, the service procedure proceeds according to the user's selection. After the Internet server 140 is forcibly prevented from authentication, it may be configured to come directly to the bank window to release the authentication error.

8 is an exemplary view of a screen of a monitoring server constituting a wireless Internet direct connection system according to the present invention.

FIG. 8 illustrates a case where the usage aggregate status of each mobile carrier is displayed on the display unit of the monitoring server 150. The user pattern analysis module 152 of the monitoring server 150 in this form, the usage performance status by mobile carrier, monthly aggregated status and daily aggregated status, regional statistical information, user age statistical information, user usage statistical information, disability Various kinds of information such as statistical information can be analyzed and displayed.

The present invention may be modified in various ways without departing from the basic concept according to the needs of those skilled in the art.

As described above, according to the present invention, there is an effect that a mobile banking portal environment interworking with a pre-built financial institution call center-based infrastructure is established.

In addition, according to the present invention, an advanced financial service in a form that can be used more easily and comfortably is provided to customers who are end consumers, thereby ultimately activating a mobile banking service.

1 is an overall configuration diagram of a wireless Internet direct connection system according to the present invention.

2a to 2d is a diagram showing the internal configuration of each device constituting the wireless Internet direct connection system according to the present invention.

Figure 3 is a flow diagram of the entire data of the wireless Internet direct connection method according to the present invention.

4 to 6 are data flow diagrams of some sections constituting the wireless Internet direct connection method according to the present invention.

7 is an exemplary view of a screen of a mobile communication terminal constituting a wireless Internet direct connection system according to the present invention.

8 is an exemplary view of a screen of a monitoring server constituting a wireless Internet direct connection system according to the present invention.

Explanation of symbols on main parts of drawing

100, 100 ': mobile communication terminal

110: ARS server (Auto Response Service Server)

120: Direct Connection Management Service Server

130: mobile communication system

131: User Agent Server

133: SMS server ((Short Message Service Server)

134: Location Base Service Server

140: wireless Internet server

150: Monitoring Server

160: Banking Server

Claims (20)

It is coupled between the ARS server 110, which is an automatic response service providing apparatus of a financial institution, and the mobile communication system 130 that provides a mobile communication service for the mobile communication terminals 100 and 100 ', according to the TCP / IP protocol. Transmit and receive data with the ARS server 110 and the mobile communication system 130, and when the mobile phone numbers of the mobile communication terminals 100 and 100 'are received from the ARS server 110, Determine whether the short message type is automatic or semi-automatic by grasping the wireless Internet access method according to the model and model of the communication terminal (100, 100 '), and the wireless Internet address for receiving the mobile banking service To induce telebanking customers to mobile banking, characterized in that the transmission of an automatic short message or semi-automatic short message included in the mobile communication terminal (100, 100 ') Direct Connection Management Server. Provides voice guidance information for financial services to call-connected mobile communication terminals (100, 100 ') and, if necessary, releases the mobile phone number of the mobile communication terminals (100, 100') from the DCMS server. An ARS server 110 transmitting to 120; Using the mobile phone number received from the ARS server 110 to identify the model of the mobile communication terminal (100, 100 '), according to the model is connected to the wireless Internet server 140 is connected to the automatic short message The DCMS server 120 for sending a message or a semi-automatic short message to the mobile communication terminal (100, 100 ') through an SMS server 133 of a mobile communication company providing a short message service; The wireless Internet page for providing a wireless Internet page necessary for the mobile banking service to the mobile communication terminal (100, 100 '), and provides the user pattern information generated in the process of using the mobile banking service to the monitoring server 150 Server 140; The monitoring server 150 for analyzing and displaying the user's behavior pattern using the user pattern information provided from the wireless Internet server 140; Wireless Internet direct to induce telebanking customers to mobile banking Connection system. The method of claim 2, The ARS server 110, Providing voice guidance information for banking service to the connected mobile communication terminals 100 and 100 ', and transmitting the mobile phone number of the mobile communication terminals 100 and 100' to the DCMS server 120 when the call connection is released. A call processing module 111 which determines whether there is a need and calls the ARS-DCMS interworking module 112 by catching the mobile number according to the determination result; ARS-DCMS interworking module 112 for interworking with the DCMS server 120 in accordance with the call from the call processing module 111 to transmit a mobile phone number in accordance with the data transmission standard; Wireless Internet direct connection system to guide customers to mobile banking. The method of claim 2, In the voice guidance information provided by the ARS server 110, A user includes at least a mobile banking user menu, and includes at least one of a telebanking user menu, a general user menu, and an agent connection menu to provide a user with an automatic answering service using the mobile communication terminal 100, 100 '. Wireless Internet direct connection system for inducing telebanking customers to mobile banking, characterized in that the type of service can be selected. The method of claim 2, The DCMS server 120, A DCMS-ARS interworking module 121 for interworking with the ARS server 110 and receiving mobile phone numbers of the mobile communication terminals 100 and 100 'according to a data transmission standard; Type and type of the mobile communication terminal (100, 100 ') corresponding to the mobile phone number received by the DCMS-ARS interworking module 121 by transmitting and receiving data with the UA server 131 of the mobile communication company managing the terminal information A UA inquiry module 122 for identifying a wireless Internet access method according to the present invention; A user information inquiry module 123 for inquiring user information corresponding to the mobile phone number received by the DCMS-ARS interworking module 121 in association with a user information inquiry server 132 of a mobile communication company managing user information; SMS transmission module 124 to provide an automatic short message or a semi-automatic short message with a wireless Internet address attached to the mobile communication terminal (100, 100 ') in association with the SMS server 133 of the mobile communication company; Wireless Internet direct connection system for inducing telebanking customers to mobile banking, characterized in that. The method of claim 5, The user information inquiring by the user information inquiry module 123 is at least one of a client ID corresponding to the received mobile phone number, additional service subscription status, and nominee information. Wireless Internet Direct Connection System. The method of claim 2, The DCMS server 120, In the process of providing a short message to the mobile communication terminal (100, 100 ') through the SMS server 133 of a mobile communication company, the payment is settled according to the amount of the short message transmitted, and the transmission for transmitting the short message In response to the request SM_REQ, continuously checking whether the resultant transmission response SM_RES is received, and the short message arrives properly at the mobile communication terminal 100, 100 'so that the transmission response SM_RES is received. Wireless Internet direct connection system for inducing a telebanking customer to mobile banking, characterized in that the charging is performed only if it is done. The method of claim 2, The wireless internet server 140, Security module 141 for performing a user authentication for the ID and password input to the mobile communication terminal (100, 100 '); After the user authentication is performed in the security module 141, the mobile banking service is provided according to the type by the user manipulation of the mobile communication terminals 100 and 100 '. Wireless internet page module 142 (100 '); Wireless internet direct connection system for inducing telebanking customers to mobile banking, comprising: a banking server interworking module 143 that is linked to the banking server 160 of a financial institution as needed during the mobile banking service. The method of claim 8, The security module 141 performing user authentication in the wireless Internet server 140, When the user authentication goes through three authentication errors in the process of inputting the ID and password to the mobile terminal (100, 100 '), the authentication is forcibly terminated so that the mobile terminal (100, 100') of the financial institution Wireless Internet direct connection system for inducing telebanking customers to mobile banking, characterized in that the access to the banking server (160). The method of claim 2, The monitoring server 150, An LBS server interworking module 151 interlocked with the LBS server 134 of the mobile telecommunication company for tracking the location of the mobile communication terminals 100 and 100 'to determine a user location; A user pattern analysis module 152 that receives user pattern information generated while providing a mobile banking service from the wireless internet server 140 and analyzes and displays information on a user's behavior pattern according to region / age / gender; Wireless Internet direct connection system for inducing telebanking customers to mobile banking, characterized in that. The method of claim 10, The user pattern analysis module 152 of the monitoring server 150, Characterized by analyzing at least one or more information of the use performance status by mobile carrier, the monthly aggregated status and the daily aggregated status by period, regional statistical information, user age statistical information, user usage statistics information, disability statistics information Wireless internet direct connection system to attract telebanking customers to mobile banking. Establishing a call connection between the mobile communication terminals 100 and 100 'and the ARS server 110 (S200); When the call is released, the ARS server 110 catches the mobile phone numbers of the mobile communication terminals 100 and 100 'and transmits them to the DCMS server 120 according to the data transmission standard (S210); The DCMS server 120 identifies the wireless Internet access method according to the type of the mobile communication terminal 100, 100 'by using the received mobile phone number, and provides the mobile banking service to the SMS server 133 accordingly. Requesting to send an automatic short message or a semi-automatic short message to which the wireless Internet address is attached to the mobile communication terminal (100, 100 ') (S220 to S240); The SMS server 133 sends an automatic short message or a semi-automatic short message to which the wireless Internet address is attached to the mobile communication terminal 100, 100 'according to the request of the DCMS server 120 (S250, S250'). ); Connecting the mobile communication terminal (100, 100 ') to the wireless Internet server 140 by accessing the wireless Internet address included in the received short message (S260, S260'); The wireless internet server 140 accessing a banking server 160 of a financial institution to request and receive financial information necessary for a mobile banking service (S270); Transmitting, by the wireless internet server 140, the user pattern information generated in the process of providing the mobile banking service to the monitoring server 150 (S280); The monitoring server 150 analyzes and displays the user's behavior pattern using the received user pattern information, and transmits and receives data to and from the LBS server 134 which tracks the real-time location of the mobile communication terminals 100 and 100 '. Monitoring the current location of the user (S290); Wireless Internet direct connection method for inducing a telebanking customer to mobile banking comprising a. The method of claim 12, The DCMS server 120 identifies the wireless Internet access method according to the type of the mobile communication terminal 100, 100 'by using the received mobile phone number, and provides the mobile banking service to the SMS server 133 accordingly. Requesting to send an automatic short message or a semi-automatic short message with a wireless Internet address to receive to the mobile communication terminal (100, 100 ') (S220 to S240), The DCMS server 120 to determine the type of the mobile communication terminal (100, 100 ') by transmitting and receiving data with the UA server 131 of the mobile communication company managing the terminal information using the received mobile phone number ( S220); Determining, by the DCMS server 120, a method of accessing a wireless Internet according to a model of the mobile communication terminal 100, 100 ′ by transmitting and receiving data with a user information inquiry server 132 of a mobile communication company managing user information ( S230); The DCMS server 120 sends an automatic short message or a semi-automatic short message with a wireless Internet address to the SMS server 133 in accordance with a wireless Internet access method according to the type of the mobile communication terminal 100, 100 '. Requesting step (S240); Wireless Internet direct connection method for inducing a telebanking customer characterized in that it comprises a mobile banking. The method of claim 13, The DCMS server 120 sends an automatic short message or a semi-automatic short message with a wireless Internet address to the SMS server 133 in accordance with a wireless Internet access method according to the type of the mobile communication terminal 100, 100 '. Requesting step (S240), Establishing a TCP connection channel between the DCMS server 120 and the SMS server 133; The DCMS server 120 transmits a message transmission request (SM_REQ / SIMPLE), which is a signal requesting to send an automatic short message or a semi-automatic short message to the SMS server 133 by using the established TCP connection channel, and sends a message transmission response ( Waiting for receiving SM_RES / SIMPLE); a method of directly connecting a wireless Internet for guiding a customer with mobile banking, the method comprising a; The method of claim 12, The SMS server 133 sends an automatic short message or a semi-automatic short message to which the wireless Internet address is attached to the mobile communication terminal 100, 100 'according to the request of the DCMS server 120 (S250, S250'). ), Data transmission and reception between the SMS server 133 and the DCMS server 120 is performed by transmitting a transmission request SM_REQ through a TCP connection channel and receiving a transmission response SM_RES that is a result thereof. Telebanking customer, characterized in that for generating a short message for each short message to generate a message specified value (Msgld), the only value that characterizes the short message to distinguish the short message transmitted to the mobile communication terminal (100, 100 ') Wireless Internet direct connection method to induce mobile banking. The method of claim 12, The mobile communication terminal (100, 100 ') is connected to the wireless Internet server 140 by accessing the wireless Internet address included in the received short message (S260, S260'), Telebanking customer characterized in that it further comprises the step of applying the end-to-end (E2E) security to protect the information exchanged between the mobile communication terminal (100, 100 ') and the wireless Internet server 140 Wireless Internet direct connection method to induce mobile banking. The method of claim 12, When the call connection is released, the ARS server 110 catches the mobile phone numbers of the mobile communication terminals 100 and 100 'and transmits them to the DCMS server 120 according to the data transmission standard (S210). Establishing a TCP connection channel between the ARS server 110 and the DCMS server 120; Transmitting, by the ARS server 110, an authentication transmission request (SM_REQ / BIND) to the DCMS server 120 using the established TCP connection channel, and waiting to receive an authentication transmission success (SM_ACK / BIND); When the authentication transmission success (SM_ACK / BIND) is received, the unit data transmission using the unit data transmission request (SM_REQ / SUBMIT), the unit data transmission success (SM_ACK / SUBMIT) waiting to receive, the unit data transmission success (SM_ACK / SUBMIT) reception Repeating transmission of the next unit data using the unit data transmission request (SM_REQ / SUBMIT) according to the step of transmitting all data for the mobile number; When all data is transmitted, the ARS server 110 transmits a transmission completion (SM_END / CLOSE) to the DCMS server 120 and releases a TCP connection channel. Wireless Internet direct connection method to induce mobile banking. The method of claim 17, If the unit data transmission success (SM_ACK / SUBMIT) is not received for a predetermined time after the ARS server 110 transmits the unit data transmission request (SM_REQ / SUBMIT) to the DCMS server 120, it is considered as a failure situation A method of directly connecting a wireless Internet for driving telebanking customers to mobile banking, further comprising the step of disconnecting a TCP connection channel and recommending reconnection. The method of claim 12, A wireless browser based on a wireless application protocol (WAP) is built on the mobile communication terminal (100, 100 ') using the wireless Internet server 140 and a hypertext transfer protocol (HTTP). Wireless Internet direct connection method for inducing telebanking customers to mobile banking, characterized in that for transmitting and receiving data. The method of claim 12, The monitoring server 150 analyzes and displays the user's behavior pattern using the received user pattern information, and transmits and receives data to and from the LBS server 134 which tracks the real-time location of the mobile communication terminals 100 and 100 '. Monitoring the current location of the user (S290), Establishing a TCP connection channel between the monitoring server 150 and the LBS server 134; Transmitting, by the monitoring server 150, the location information request of the mobile communication terminal (100, 100 ′) to the LBS server (134); Transmitting, by the LBS server 134, a location information response including at least one of a result of transmission of success and failure to the monitoring server 150 according to the location information request; The step of releasing the TCP connection channel between the monitoring server 150 and the LBS server 134; Wireless Internet direct connection method for inducing a telebanking customer to mobile banking, characterized in that it comprises a.