KR20050115513A - Financial transaction system using mobile with banking ic card and method thereof - Google Patents

Abstract

The present invention relates to a financial transaction system and method using an IC card embedded mobile terminal for mobile banking. The present invention uses a mobile terminal equipped with an IC card chip that stores financial information and a chip password and has a built-in mobile banking client program, and determines a financial service item selected by a user from among financial transaction service items provided by the mobile banking client program. After the chip password is input from the user, the IC card chip is requested to be used for authentication using the input chip password. If the IC card chip use authentication is successful, the customer receives financial information from the IC card chip and the customer's account number. And displaying one account number to be financed by the user and an account password thereof, and connecting the wireless communication with the first short-range wireless communication device which is controlled by an automated device connected to the financial common network. The first random number from the first short range wireless communication device If, provide the password of the account number, the account will be the one to deal with the random number to the IC card chip. After receiving the encrypted account password generated using the first random number from the IC card chip, including the account number to be financed and the encrypted account password in the request signal for the financial service item selected by the user The first short range wireless communication device transmits to the automated device.

Description

Financial transaction system using mobile terminal with IC card for mobile banking {financial transaction system using mobile with banking IC card and method}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile banking service method, and more particularly, to a method of performing a financial transaction through an existing financial common network using a mobile terminal having an integrated IC card for mobile banking.

Initial financial transactions were financial off-line where customers visited the financial institution. However, with the development of technology, financial institutions have installed automated equipment such as CD (Cash Dispenser) or ATM (Automated Teller Machine) connected to servers of their financial institutions in various places to enable financial transactions at remote locations. Since then, financial institutions have built a financial common network that integrates their own financial networks for better customer service, enabling financial transactions using CD or ATM regardless of trading financial institutions.

 However, a financial transaction using a financial common network, that is, a financial transaction using an automated device is possible only during a predetermined use time at a place where an automated device is installed, and there is a problem in that it does not satisfy a customer's desire to perform a financial transaction anytime and anywhere.

More advanced communication technologies have solved the above problem, which has been achieved by the Internet and communication networks. The method of using the Internet is a so-called Internet banking using a financial institution server after accessing the Internet network through a terminal connected to the Internet via a wired or wireless connection, such as a PC, and the method of using a communication network is a mobile phone that can be connected to a mobile communication network when it is wireless. In the case of a mobile terminal such as a wired terminal or a wired terminal, a bank banking (including mobile banking) using a financial institution server after accessing a corresponding communication network through a wired terminal connected to a PSTN network.

Due to such Internet banking and phone banking, you can do anywhere where there is an internet terminal or a communication terminal, and banking can be performed at any time because there is no limit of use time. In particular, in the case of mobile banking, there is an advantage that banking can be performed anytime and anywhere if the mobile terminal has only guaranteed mobile terminal.

In the current financial transactions, the above-described phone banking, internet banking, and banking using automated devices are mixed, and users of internet banking and phone banking are gradually increasing.

However, since financial transactions are an important act of moving assets, security is strictly required. In this aspect, Internet banking using a security authentication key stored on a computer or an external storage medium has a high possibility of being hacked, so the security is low, and a mobile communication network using RF also has a high possibility of hacking. In addition, since the Internet or mobile communication network for internet banking and mobile banking is not only for financial transactions like the financial common network, the processing speed may be reduced and errors may occur due to the external environment, such as unexpected traffic congestion. There is.

As a result, using a financial method using an automated device that is highly secured and not affected by the external environment can be called a method of efficiently using an existing financial common network and increasing security.

Disclosure of Invention The present invention is to solve the conventional problems, and to provide a financial common network service using a mobile terminal in which a mobile banking IC card is embedded without additional modification of the back-end system of the financial common network. It is done.

In order to achieve the above object, the present invention includes a mobile banking IC card supporting mobile banking to be mounted on or detached from the mobile terminal.

However, the IC card for mobile banking is an IC card of a different standard than the financial IC card used in an automated device (DC / ATM). That is, the financial IC card is an ID-1 type IC card of a magnetic card size, and the mobile banking IC card mounted on the mobile terminal is an ID-000 type card of a SIM (Subscriber Identify Module) card size.

In addition, an ID-1 type financial IC card (hereinafter referred to as a 'financial IC card') is formed with a magnetic track in which the user's financial information is recorded, and the magnetic track is an automated device (CD) connected to the financial common network. / ATM) is read by the IC card reader attached to the automated device, while the IC card for mobile banking is stored in the data of the user is not read by the IC card reader.

Therefore, for the present invention, the IC card for mobile banking should be able to be recognized by an automated device (CD / ATM) connected to the financial common network. The present invention provides such a method.

The present invention for achieving the above object is to enable the mobile banking terminal to act as an IC card reader in order to enable the automated device to recognize the IC card for mobile banking and the IC card for different technical standards thereof, Infrared transceiver (also called dongle) is attached to the automation device and the mobile terminal for data communication.

Finally, in order to achieve the above object, the present invention provides a first short-range wireless communication device for performing short-range wireless communication with a mobile terminal, and the first short-range wireless communication device is installed to communicate with the mobile terminal for financial transactions through a financial common network. In the financial transaction service system including an automated device for processing a financial transaction such as cash withdrawal in accordance with the approval, the mobile terminal stores the financial information and chip password associated with the customer's financial account and in the first short-range wireless communication device An IC card chip that encrypts a password of a financial account to be financed using the generated first random number, a second short range wireless communication device communicating with the first short range wireless communication device, and a mobile banking client program for processing a financial transaction service. And provided from the IC card chip when processing the financial transaction service. And providing the encrypted account password and the account number to be financed in the request signal of the corresponding financial service item selected by the user and outputting the encrypted account password to the first short range wireless communication device.

In addition, the present invention for achieving the above object is a financial transaction method using a mobile terminal equipped with an IC card chip that stores financial information and chip password and a built-in mobile banking client program, the mobile terminal is the mobile banking client program A first step of determining a financial service item selected by a user among the provided financial transaction service items; A second step of, if the chip password is input from the user, requesting the IC card chip to use authentication with the input chip password; A third step of, if the IC card chip use authentication is successful, the mobile terminal receiving the customer's financial information from the IC card chip and displaying the customer's account number; A fourth step of connecting, by the mobile terminal, wireless communication with a first short-range wireless communication device which is operated and controlled by an automation device connected to a financial common network, when a user receives an account number and an account password thereof for a financial transaction; A fifth step of, when the mobile terminal receives a first random number from the first short range wireless communication device, provides the IC card chip with an account password of the first random number and the account number to be traded; A sixth step of receiving, by the mobile terminal, an encrypted account password generated using the first random number from the IC card chip; And the mobile terminal including the account number to be financed and the encrypted account password in the request signal for the financial service item selected by the user in the first step, and transmitting the account number to the automated device through the first short range wireless communication device. And the seventh step, wherein the automated device includes the encrypted account password and the account number to be financed in the transaction approval request signal for the financial transaction item selected by the user through a financial common network. The financial transaction method using the mobile terminal IC card built-in mobile terminal, characterized in that the transfer to the financial institution server opened the account number to be opened, and if the transaction approval is successful, processing financial transactions such as cash withdrawal, account transfer, etc. To provide.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the present invention, detailed descriptions of related well-known functions or configurations will be omitted when it is determined that they may unnecessarily obscure the subject matter of the present invention. Terms to be described later are terms defined in consideration of functions in the present invention, and may be changed according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the specification.

1 is a schematic configuration diagram of a financial transaction service system according to an embodiment of the present invention. As shown in FIG. 1, a financial transaction service system to which the present invention is applied includes a mobile terminal 100, a transceiver 200, an automation device 300, and a plurality of financial institution servers 400.

The transceiver 200 is an apparatus for performing infrared communication according to an infrared communication protocol of a standard specification, which is called a dongle. Hereinafter, the transceiver 200 is referred to as a dongle 200. The dongle 200 is provided in the form of being attached to or inserted into the automation device 300, starts infrared communication under the control of the automation device 300, and transmits the data received from the mobile terminal 100 to the automation device 300. To provide. In addition, the dongle 200 generates a random number for security during infrared communication with the mobile terminal 100 and provides the generated random number to the mobile terminal 100.

The automation device 200 is connected to the server and the financial common network (N) of the handling financial institution (financial institution that manages the automated equipment), and performs normal operations such as cash withdrawal, account transfer, bank account arrangement, service withdrawal, etc. In addition, the mobile banking program is additionally installed to receive the banking information from the mobile terminal 100 and to process the received banking information. The operation of the dongle 200 is controlled by the mobile banking program.

The financial common network refers to a financial network that provides a common service by connecting the computer network of each financial institution. The financial common network is divided into a bank common network and a non-bank common network. The bank common network is a system that connects each bank's computer network through the Financial Services Agency. According to the service type, the financial common network includes a foreign exchange common network, an automated device (CD / ATM) common network, an automatic answering service (ARS) common network, a debit card common network, and a credit information common network. The automation device common network refers to a system that connects automation devices of banks to each other.

As the mobile terminal 100, a terminal such as a mobile phone, a smart phone, a PDA, etc. having various hardware devices for wireless data communication is used. The mobile terminal 100 performs data communication with a removable IC card chip (ie, a mobile banking IC card) 110 and the IC card chip 110 to read information stored in the IC card chip and to a user. Provides a banking service item for the mobile banking client program (hereinafter referred to as a "banking program") that allows the user to enter a password, service item selection, and infrared transmission and reception for transmitting and receiving data provided by the banking program A device (not shown) and an infrared port (not shown) are provided.

The information stored in the IC card chip 110 includes a chip password, account information of each financial institution opened by the user, and account secret information. The IC card chip 110 is preferably issued after checking the real name at the bank branch window, and when the IC card chip 110 is issued, a chip password for user authentication of the IC card chip 110 is issued. In the secure area of the When the IC card chip 110 receives the random number provided from the dongle 200 from the mobile terminal 110, the IC card chip 110 uses the received random number to generate a session key used for encrypting the account password. More specifically, the IC card chip 110 includes a seed encryption algorithm registered as a standard, and the seed encryption algorithm and the card serial number, the random number, master key, induction key, host random number, session key Create an encrypted account password. The account password is used to authenticate the financial transaction with the opening financial institution.

Financial institutions (banks, card companies, securities companies, etc., 400) is installed a program that can decrypt the encrypted account password when the financial transaction approval request is received from the automated device (300).

Meanwhile, the transceiver 200 blocks the infrared communication when the infrared signal is not received from the mobile terminal 100 for a predetermined time during the infrared communication with the mobile terminal 100, and the effective time of the infrared communication with the mobile terminal 100 is set. It blocks the infrared communication after the validity time of communication after the first infrared communication.

1 to 8, a preferred embodiment of a financial transaction method using a mobile terminal IC card for mobile banking of the present invention will be described. An embodiment of the present invention described below is for a case of receiving a cash withdrawal service using a mobile terminal IC card for mobile banking.

As shown in FIG. 2, a user preferentially drives a banking program of his mobile terminal 100 to display a mobile banking main menu on a screen (S201). In the method of driving the banking program, as shown in FIG. 3, an external hot button for driving a banking program formed on the mobile terminal 100 is pressed, or a mobile banking item is displayed through an initial menu of the mobile terminal 100. There is a way to choose.

Here, the banking program of the mobile terminal 100 provides a mobile banking main menu in which menu items such as mobile banking, cash card, credit card, electronic money, chip management, etc. are classified according to services.

On the other hand, after displaying the mobile banking main menu as described above, the banking program starts the cash card service according to the user's selection when the user selects the cash card service item (S202). The cash card service item refers to a service provided through a cash card used in an existing automated device (CD / ATM). The services include cash withdrawal, cash transfer, and balance check.

When one of the menu items including the cash card item is selected, the banking program requests a chip password input to authenticate the availability of the built-in IC card chip 110 and receives a chip password from the user (S203). .

The banking program provides a chip password received from the user to the IC card chip 110 to perform a user authentication requesting authentication. Only when the chip password entered by the user and the chip password stored in the IC card chip 110 match, the IC card chip 110 permits use authentication and stores the user banking information, that is, the user's name and real name number (resident registration number, etc.). ), The financial institution code, the card serial number (Card Serial Number) and one or more account information (ie, account number, account password, etc.) are provided to the banking program (S204).

If the authentication is successful, the banking program displays a plurality of account numbers on the screen among the banking information provided from the IC card chip 110, and then determines the account number selected by the user as a transaction account (S205), and gives the account number to the user. Requiring the input of the account password to receive the account password (S206).

When receiving the account password from the user, the banking program opens the infrared port to enable infrared communication (S207).

The process from S201 to S206 is as shown in FIG. 3.

On the other hand, when the user enters the account password in the mobile terminal 100, the mobile terminal transaction menu in the service menu provided by the automated device 300 so that banking information of the mobile terminal 100 can be transmitted to the automated device 300 Choose. The automation device 300 starts the mobile banking service (S208).

The automation device 300 transmits a command for instructing infrared communication to the dongle 200 according to the start of the mobile banking service (S209). Accordingly, the dongle 200 initiates an operation to find the mobile terminal 100. Continue to perform and wait until the mobile terminal 100 approaches. At this time, the dongle 200 detects the approach of the mobile terminal 100 by receiving an infrared signal from the infrared port of the mobile terminal 100.

When the mobile terminal 100 approaches the dongle 200, the dongle 200 generates a new random number (hereinafter referred to as 'T_random number') for each transaction and discards the T_random number when the transaction ends. (S210).

Meanwhile, in the IrDA protocol standard, the dongle 200 continuously detects the access of the mobile terminal 100, is referred to as a device discovery procedure.

Here, in order to process the mobile banking service in the automation device 300, communication between the mobile terminal 100 and the dongle 200 should be made. Therefore, after the user selects the mobile banking service to the automation device 300, directs the mobile terminal 100 to the dongle 200. At this time, the infrared communication between the mobile terminal 100 and the dongle 200 is most effective within a distance of 30cm-45cm, as shown in Figure 4 and can be up to 100cm. In addition, the mobile terminal 100 preferably has a directivity of up, down, left, and right angles of 15 ° from the central axis of the cave 200. This short-range and directivity are the main factors that make infrared communication a safe financial transaction.

When the station discovery is completed, the IrDA protocol of the dongle 200 and the IrDA protocol of the mobile terminal 100 start parameter negotiation necessary for communication. What is important in parameter negotiation is the baud rate and the maximum frame size that can be exchanged. Generally, the communication speed starts with 9600bps before negotiation and 115200bps after negotiation. As a result, an infrared connection is made between the mobile terminal 100 and the dongle 200 (S211).

When the infrared connection is completed, the dongle 200 transmits a cash card related data request signal including the generated 16-byte T_ random number to the mobile terminal 100 in infrared (S212). Then, the cash card-related data request signal is read by the banking program to extract the T_random number, and the banking program transmits the extracted T_random number and the account password to the IC card chip 110 (S213).

The IC card chip 110 receiving the account password and the T_random number by the banking program uses a financial common network key, that is, a master key and a national standard seed encryption algorithm, which are securely stored inside the chip 110. By encrypting the account password (S214).

Hereinafter, the process of encrypting the account password in the IC card chip 110 will be described.

First, the mobile terminal 100, that is, the banking program, requests the IC card chip 110 to generate a card random number (hereinafter, referred to as 'C_random number') to generate a new session key for each transaction. The C_ random number is a random number generated by the IC card chip 110. In the IC card chip 110, a derivation key generated by using a master key (financial joint network key) that is securely stored in a host of a card issuing bank using a hardware security module (HSM) or the like. Key) is stored.

Herein, a method of generating a derived key will be described with reference to FIG. 5.

As shown in FIG. 5, the method of generating an induction key generates a 16-byte code by combining a card serial number (CSN) of the corresponding card and a value inversed to the card serial number. And the master key are input to the seed encryption algorithm (A) to generate a derived key.

The national standard seed encryption algorithm (A) used in the present invention is currently registered as a national standard after national and international verification of safety (standard number: TTAS KO-12.0004). The seed encryption algorithm (A) is a block encryption algorithm with a key size of 16 bytes and an input value of 16 bytes. The card serial number of the IC card chip 110 is 8 bytes, and is determined from the time of issuing the IC card chip, and is managed by an opening bank host.

The IC card chip 110 generates a session key as shown in FIG. 6 using the stored induction key. That is, as shown in FIG. 6, the IC card chip 110 generates a new key by inputting the derived key and the C_random number into the seed encryption algorithm A, and seeding the new key and the T_random number generated again. Input to the encryption algorithm (A) to generate a session key. The IC card chip 110 generates an encrypted account password E (PIN) by inputting the account password and the session key generated through FIG. 6 into the seed encryption algorithm A as shown in FIG.

The IC card chip 110 provides the encrypted account password E (PIN) and the C_ random number to the mobile terminal 100, that is, the banking program (S215).

The banking program then obtains the basic information of the cash card of the customer's account, the account information to be traded, the encrypted account password (E (PIN)), and the card random number (C_random number). Transmission to the dongle 200 through the infrared ray (S216).

Upon receiving the cash card transaction information from the mobile terminal 100, the dongle 200 stops infrared communication with the mobile terminal 100 (S217), and accordingly, the banking program closes the infrared port (S218).

Thereafter, the dongle 200 transmits the received cash card transaction information to the automation device 300 (S219). At this time, the information transmitted to the automation device 300 is the cash card basic information, account information, encrypted account password, C_ random number and T_ random number generated by the dongle 200 received from the mobile terminal 100. .

When receiving the cash card transaction information from the dongle 200, the automation device 300 issues an operation stop command to the dongle 200 (S220).

The automated device 300, which has received the cash card transaction information of the IC card chip 110, performs a normal function. That is, when the user selects a cash payment from among the service items displayed on the screen and inputs a payment amount accordingly, the transaction information entered by the user, basic information of the cash card of the corresponding account, account information, encrypted account password, and C_ random number And T_random is included in the transaction approval request signal and transmitted to the opening bank through the financial common network (N) (S221).

The opening bank 400 receiving the transaction approval request inquires the ledger, and determines whether to approve it by decrypting the encrypted account password E (PIN) (S222).

The process S219 will be described in detail with reference to FIG. 8.

The opening bank 400 generates an induction key using the card serial number included in the received basic information as in the method described with reference to FIG. 5. Then, using the T_random and C_random numbers received from the automation device 300 and the derived key generated, the session key is generated as in the method described with reference to FIG. 6.

When the session key is generated, the encrypted account password E (PIN) and the session key are input to the seed encryption algorithm as shown in FIG. 8 to decrypt the account password. When the account password is decrypted in this way, the opening bank 400 compares the account password registered with the host with the decrypted account password to determine whether to approve it.

If the account password registered in the host and the decrypted account password match, the opening bank notifies the automated device 300 of the transaction approval (S223), and the automated device 300 receiving the transaction approval displays the amount requested by the user. The payment is completed to the user (S224).

On the other hand, the present invention described above is possible other embodiments as follows. Another embodiment of the present invention is that the mobile payment-related menus and procedures vary slightly depending on the automation device. As a result, another embodiment of the present invention may be implemented by performing the process S220 before the process S208 or selecting a cash service item, setting a mobile banking service, and then inputting an amount.

In another aspect, the present invention is possible by changing the wireless communication means between the mobile terminal and the automation device. That is, in the above-described embodiment, the infrared communication means, that is, the infrared transceiver is used as the wireless communication means.

Another embodiment of the present invention may use Bluetooth as a wireless communication means using a high frequency (RF) of 2.4GHz instead of infrared communication means. In this case, a first Bluetooth is mounted on the mobile terminal and a second Bluetooth is mounted on the automation device, and the second Bluetooth performs the function of the above-described infrared transceiver (ie, dongle 200). At this time, there are three ways to install Bluetooth. The first is to connect to the device via serial port or USB in external form. The second is to connect to the device after the built-in device and the third is to be configured on the same chip as the CPU.

In another embodiment of the present invention, a wireless communication means may use UWB (Ultra Wide Band), which is capable of transmitting signals at high speed using very short pulses up to several GHz bandwidth. In this case, the UWB is mounted on the mobile terminal and the automation device, respectively, and the UWB mounted on the automation device performs the function of the infrared transceiver 200.

The technical spirit of the present invention has been described above with reference to the accompanying drawings, but this is by way of example only and not intended to limit the present invention. In addition, it is obvious that any person skilled in the art can make various modifications and imitations without departing from the scope of the technical idea of the present invention.

The present invention provides a mobile terminal having an integrated IC card chip so as to use a previously installed automation device and a financial common network to which the automation device is connected, and a transmission / reception device capable of communicating with the mobile terminal and controlled by the automation device. By reducing the burden of adding a new facility by using the existing financial common network as it is, there is an effect of providing the convenience for the user to make financial transactions through the mobile terminal.

1 is a schematic configuration diagram of a financial transaction system according to an embodiment of the present invention.

Figure 2 is a flow chart illustrating a financial transaction method using a mobile terminal IC card for mobile banking according to an embodiment of the present invention.

3 is a view showing a financial menu for a mobile banking provided by a mobile terminal according to an embodiment of the present invention.

4 is a view showing a recognition state condition between a mobile terminal and an infrared transceiver according to an embodiment of the present invention.

5 is a view showing a method for generating an induction key according to an embodiment of the present invention.

6 illustrates a method of generating a session key according to an embodiment of the present invention.

7 is a diagram illustrating a method of generating an encrypted account password according to an embodiment of the present invention.

8 is a diagram illustrating a method for decrypting an encrypted account password in an open financial institution according to an embodiment of the present invention.

Claims (13)

A first short-range wireless communication device for performing short-range wireless communication with a mobile terminal and the first short-range wireless communication device are installed to communicate with the mobile terminal and receive a financial transaction through a financial common network to perform financial transactions such as cash withdrawal. In the financial transaction service system comprising an automated device for processing, The mobile terminal IC chip chip for storing the financial information and the chip password associated with the customer's financial account and encrypts the password of the financial account to be financially traded using the first random number generated by the first short-range wireless communication device, A second short range wireless communication device communicating with a short range wireless communication device, a mobile banking client program for processing a financial transaction service, the encrypted account password provided from the IC card chip during processing of the financial transaction service; The financial transaction service system of claim 1, wherein the financial transaction service system comprises the account number to be financed and included in a request signal of a corresponding financial service item selected by a user. According to claim 1, The IC card chip generates a second random number for each financial transaction, and encrypts the account password by using a self-stored induction key, the first random number, and the second random number as input values of a seed encryption algorithm. Financial Transaction Service System. The method of claim 2, The account password encryption of the IC card chip generates the specific code by inputting the derived key and the second random number into the seed encryption algorithm, and then inputs the specific code and the first random number into the seed encryption algorithm. Generating a key, and inputting the session key and account password into the seed encryption algorithm to generate an encrypted account password. The method according to claim 2 or 3, The induction key is generated by the seed encryption algorithm using 16 bytes of a combination of the serial number of the IC card chip and the inverse of the serial number and a master key which is a financial common network key, and stored in the IC card chip. Financial transaction service system, characterized in that. According to claim 1, The first and second short-range wireless communication device is an infrared wireless transmission and reception device for communicating based on an infrared communication protocol of a standard or a financial transaction service system, characterized in that the Bluetooth. According to claim 1, The mobile terminal blocks the communication with the first short range wireless communication device when the mobile terminal transmits a request signal of the corresponding financial service item to the first short range wireless communication device. The method of claim 6, The wireless communication between the mobile terminal and the first short-range wireless communication device is blocked if there is no data reception between each other for a set time. According to claim 1, The encrypted account password provided by the IC card chip and the information of the account number to be financed are included in the transaction approval request signal generated by the automated device, thereby opening the account number to be financed through the financial common network. Financial transaction service system, characterized in that transmitted to the server of the institution. In the financial transaction method using a mobile terminal equipped with an IC card chip that stores financial information and chip password and a built-in mobile banking client program, A first step of determining, by the mobile terminal, a financial service item selected by a user from among financial transaction service items provided by the mobile banking client program; A second step of, if the chip password is input from the user, requesting the IC card chip to use authentication with the input chip password; A third step of, if the IC card chip use authentication is successful, the mobile terminal receiving the customer's financial information from the IC card chip and displaying the customer's account number; A fourth step of connecting, by the mobile terminal, wireless communication with a first short-range wireless communication device which is operated and controlled by an automation device connected to a financial common network, when a user receives an account number and an account password thereof for a financial transaction; A fifth step of, when the mobile terminal receives a first random number from the first short range wireless communication device, provides the IC card chip with an account password of the first random number and the account number to be traded; A sixth step of receiving, by the mobile terminal, an encrypted account password generated using the first random number from the IC card chip; And The mobile terminal includes the account number to be financed and the encrypted account password included in the request signal for the financial service item selected by the user in the first step and transmits the encrypted account password to the automated device through the first short range wireless communication device. Includes 7 levels, According to the seventh step, the automated device includes the encrypted account password and the account number to be financed in the transaction approval request signal for the financial transaction item selected by the user, so that the account number to be financed through the financial common network is Transmitting to the established financial institution server, if successful transaction approval financial transaction method using a mobile terminal IC card built-in mobile terminal for processing financial transactions such as cash withdrawal, account transfer. The method of claim 9, The encrypted account password is generated by inputting the second random number generated by the induction key and the IC card chip into the seed encryption algorithm to generate a specific code, and the specific code and the first random number to the seed encryption algorithm. And generating a session key by inputting the session key and the account password into the seed encryption algorithm and encrypting the account password. The method of claim 10, The induction key is generated by the seed encryption algorithm using 16 bytes of a combination of the serial number of the IC card chip and the inverse of the serial number and a master key which is a financial common network key, and stored in the IC card chip. Financial transaction method using a mobile terminal IC card built-in mobile terminal for mobile banking. The method of claim 10, When the service request signal transmitted in the seventh step is received by the first short-range wireless communication device, the mobile terminal further comprises the step of blocking wireless communication with the first short-range wireless communication device for mobile banking Financial transaction method using IC card built-in mobile terminal. On a mobile terminal, Determining a financial service item selected by a user from among financial transaction service items provided by the mobile banking client program; If a chip password is input from the user, requesting use authentication from an IC card chip fastened with the input chip password; Receiving the financial information of the customer from the IC card chip and displaying the account number of the customer if the IC card chip use authentication is successful; Connecting a wireless communication with a first short range wireless communication device which is operated and controlled by an automated device connected to a financial common network when receiving one account number and its account password to be financed from a user; If the first random number is received from the first short-range wireless communication device, providing the IC card chip with an account password of the first random number and the account number to be traded; Receiving an encrypted account password generated using the first random number from the IC card chip; And In the first step, the request signal for the financial service item selected by the user includes the account number to be transacted and the encrypted account password and transmits the automated device through the first short-range wireless communication device. Recordable media that can be read by a mobile terminal with recorded programs.