KR20060009700A - Networking structure for mobile banking service and method for mobile banking using the networking structure - Google Patents

Abstract

Disclosed is a network structure for a mobile banking service capable of interworking between submenus of a mobile banking service, and a mobile banking method using the same.

According to the present invention, a mobile communication wireless network providing a dedicated network of a mobile communication terminal; A mobile device having a chip with a unique number for a financial transaction and requesting mobile banking on the wireless Internet based on at least one or more unique information, chip information about a chip, password information, and the like; A wired / wireless interworking device for interworking a wireless network and a wired network; A financial system for approving financial transactions with financial institutions based on personal information input from mobile, including chip information and password information; And with the approval of the financial system, the mobile device provides main menus and sub-menus for the financial transactions in response to the financial transaction contents requested from the mobile, and maintains the setting of Point to Point Protocol (PPP) for mobile and wireless Internet access. It is composed of a mobile content management server for controlling interworking between sub-menus based on the personal information, chip information and password information provided to the financial system as well as maintaining the socket for the main menu.

The present invention configured as described above is intended to perform network administration of mobile banking with PPP setting, socket opening, security processing, mobile banking process through the data communication and socket closing, PPP blocking procedure for mobile internet access. As the personal information and security information set in each sub menu are extended along with the socket maintenance, it is possible to interoperate with a plurality of sub menus, thereby reducing the time for providing a financial service using a mobile device, and reducing repetitive and unnecessary data. The amount of traffic can be reduced, which reduces the cost of network operation.

Mobile, banking, finance, account, authentication, menu, lookup, deposit, transaction, service

Description

Network structure for mobile banking service and mobile banking method using same {NETWORKING STRUCTURE FOR MOBILE BANKING SERVICE AND METHOD FOR MOBILE BANKING USING THE NETWORKING STRUCTURE}

1 is a configuration diagram of a financial network for explaining a mobile banking service according to the present invention.

2 is a flowchart for explaining the main operation of the present invention.

3 is a diagram showing a main menu of a mobile banking according to an embodiment of the present invention.

4A and 4B are diagrams illustrating a submenu and an interworking submenu of a mobile banking according to an embodiment of the present invention.

<Explanation of symbols for main drawings>

101: mobile 103: mobile communication wireless network

105: wired and wireless interlock device 107: service provider

109: financial system 111: mobile content management server

The present invention relates to a mobile banking service (Mobile Banking Service), and more particularly, in the use of a plurality of menus in mobile banking in order to maintain the protocol connection, socket maintenance and security processing process repeated Internet access for menu changes The present invention relates to a network structure for a mobile banking service and a mobile banking method using the same.

In general, recently, various services such as e-commerce, electronic advertising, and Internet phones are provided based on such an internet web, and users can easily receive Internet services using mobile communication terminals, which were previously performed physically. As they become available, Internet services are emerging as the most important business. Based on these Internet services, mobile banking services using mobile communication terminals are being activated, and many investments have been made in developing authentication and security solutions. Therefore, mobile banking is obliged to have many safeguards for authentication and security. For example, banking is performed through a dedicated terminal equipped with an IC chip having a personal identification number (PIN).

For example, Application No. 10-2003-0041143 Name of the invention: Mobile transfer / remittance system and method using a mobile communication terminal discloses a mobile transfer / remittance system for performing a transfer / transfer using a mobile communication terminal. According to the disclosed contents, the IC card chip that stores the PIN information and the user's financial account information and the storage device that stores the transfer / remittance application for processing transfer / remittance to the corresponding deposit / withdrawal account in accordance with the request for the main transaction of mobile banking Is embedded, and includes a mobile communication terminal for transmitting and receiving data wirelessly.

In addition, the BSC performs a radio interface with the mobile communication terminal and the BSC that performs call processing and provides the BTS and the core network interface; PDSN providing a packet data transmission service using the TCP / IP protocol, and processes the transfer / remittance for the transfer / withdrawal account of the bank in accordance with the transfer request from the transfer / remittance application of the mobile communication terminal It includes a banking server that provides transaction details.

On the other hand, such a banking network performs a PPP set-up for the mobile network connection, at this time, using the End to End (E2E) or Wireless Public Key Infrastructure (WPKI) encryption for the security of data and financial information. In addition, when a key signal related to a financial transaction is input on the mobile communication terminal, a transfer / transfer application embedded in the mobile communication terminal is executed to enter PIN information for logging into the IC card chip, and the mobile communication terminal is input. Authentication is performed on the server.

Thereafter, the list of all the financial accounts stored in the IC card chip is extracted and displayed on the display window of the mobile communication terminal, the corresponding withdrawal account is selected, and the reserve is transferred using the withdrawal account password, the transfer amount, and the deposit account number. Compose a transaction request message and send it to the banking server to receive a normal response message. Then, a transfer main transaction request message is constructed on the mobile communication terminal using information such as a security card password and the like, sent to the corresponding banking server to process the transfer main transaction, and the result is transmitted to the mobile communication terminal and displayed on the display window. Complete mobile banking as much as possible.

However, such a procedure for mobile banking is described based on one-time administration, and data communication for deposit balance inquiry is performed including a number of menus such as socket open and security processing administration for deposit balance inquiry. After that, if you want to use other menus, such as inquiry of deposit and withdrawal transactions, repeat the procedure of protocol setting, socket opening, and security processing for mobile access again, and then data communication for inquiry of deposit and withdrawal transaction is made. As a result, the user is using the financial service for a long time, causing inconvenience in use. In addition, since only a single menu is rarely used due to the characteristics of the actual mobile banking service, it is dominant to point out that resources are wasted due to an increase in traffic volume of data as well as user burden.

The present invention was created to solve the above problems, and an object of the present invention is to enable service switching between a plurality of submenus when using a service without changing the main menu, thereby reducing the service providing time of mobile banking and wireless communication. The present invention provides a network structure for a mobile banking service capable of reducing data traffic for a mobile banking method and a mobile banking method using the same.

A network structure for a mobile banking service according to a first aspect of the present invention for achieving the above object is a financial network system for operating a mobile banking service, the mobile communication wireless network providing a dedicated network of the mobile terminal; A mobile device having a chip equipped with a unique number for a financial transaction and requesting mobile banking on the wireless Internet based on at least one or more unique information, chip information about the chip, and password information; A wired / wireless interworking device for interworking a wireless network and a wired network; A financial system for approving a financial transaction with a corresponding financial company based on personal information input from the mobile, including the chip information and password information; And, upon approval of the financial system, a main menu and a sub-menu for the financial transaction corresponding to the financial transaction content requested from the mobile, to the mobile, and a point to point protocol for accessing the mobile and the wireless Internet. A mobile content management server for controlling setting and maintaining a socket for a corresponding main menu, and controlling mutual interaction between submenus based on the personal information, chip information, and password information provided to the financial system.

According to a preferred embodiment of the present invention, between the wired / wireless network interworking device and the financial system, user authentication is performed based on proxy authentication and accessor information for the network connection of the mobile, and a plurality of finances are based on the authentication result. The service provider for providing the financial content provided by the company to the mobile is further included.

On the other hand, the method of operating a mobile banking service according to a second aspect of the present invention for achieving the above object is a method of operating a financial service on a financial network using a mobile, a) from a mobile network having at least one unique information Receiving a request for connection; b) providing a plurality of submenus for mobile financial transactions after performing authentication on the at least one unique information; c) recognizing selection of the submenu from the mobile and requesting input of corresponding financial information; d) performing authentication on the financial information, storing the financial information based on an authentication result, and providing a service for a selected submenu; e) providing an interworking submenu that is interoperable with the submenu and recognizing selection of the interworking submenu; f) if the selection of the interworking submenu is recognized, performing the authentication of the interworking submenu by patching the financial information, and providing a service for the interworking submenu; g) initializing the system when the end of service for the mobile financial transaction is recognized and otherwise feeding back to the d step.

According to a preferred embodiment of the present invention, interworking between the sub-menus interlocks a deposit inquiry menu and a remittance menu so as to perform a remittance administration after a deposit state is recognized from a user, or the deposit inquiry menu and a cash service. After interlocking menus to recognize a deposit status from a user, the cash service menu may be directly linked to enable the use of a cash service.

In addition, the inter-menu interworking the loan menu and the remittance menu to interconnect the loan and remittance, or the loan menu and the deposit inquiry menu by interlocking the loan administration, it is possible to check the loan It is done.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 is a network diagram for a mobile banking service according to the present invention.

As shown, a mobile communication wireless network 103 providing a dedicated network of a mobile communication terminal, a wired / wireless interworking device 105 for interworking a wireless network and a wired network, a chip with a unique number for a financial transaction. The mobile device 101 performs mobile banking on the wireless Internet based on at least one piece of unique information, chip information about the chip, password information, and the like, between the wired / wireless network interworking device 105 and the financial system. A service provider 107 for performing user authentication on the basis of proxy authentication and accessor information on the network connection of the mobile 101 and providing financial contents provided by a plurality of financial companies to the mobile based on the authentication result. ), A financial system 109 for approving financial transactions based on the unique information, chip information, password information, etc. Under the approval of the financial system 109, the mobile 101 provides a main menu and a sub-menu for the financial transaction in response to the financial transaction content requested from the mobile 101, and provides a Point to Point Protocol (PPP) and It consists of a mobile content management server 111 for controlling the interaction between the sub-menu by performing a socket (Socket) maintenance for the main menu.

The main menu provided on the mobile 101 for the financial transaction is a financial transaction item that is initially selected after accessing the Internet through the mobile 101, including payment account list inquiry, remittance / transfer and credit card, and the like. The submenu includes a deposit inquiry menu consisting of balance inquiry, deposit and withdrawal transaction inquiry, deposit transaction history inquiry, withdrawal transaction history inquiry, loan balance inquiry, loan payment interest inquiry, loan final transaction history inquiry, and loan payment Loan menu consisting of inquiry, inquiry of discounted date of arrival, detailed inquiry of discounted bill, inquiry of remittance result, remittance of reserving remittance, requisition of remittance of other receivables, revocation of remittance of recurring reservation, revocation of remittance of recurrence Menus, cash service transfers, transfer processing result inquiry, inquiry cash service history inquiry, and the like.

The main menu and the submenu described in the present invention may further include bill payment, phone information, check, accident report, foreign exchange, etc., including the menu described above, and therefore, the present invention highlights the gist of the present invention. It will be appreciated that a few examples are presented to illustrate.

On the other hand, interworking between the sub-menu of the mobile content management server 111 is linked to the deposit inquiry menu and the remittance menu to be able to perform the remittance administration, after the deposit status is recognized from the user, or the deposit inquiry menu and cash After interlocking a service menu and recognizing a deposit state from a user, the cash menu may be directly linked to enable the use of a cash service. In addition, the loan menu and the remittance menu may be linked to each other so that loans and remittances may be performed in parallel, or the loan menu and the deposit inquiry menu may be linked to enable loan confirmation after a loan administration. Accordingly, at least one corresponding submenu may be displayed on the display window of the mobile 101 according to the relationship between the plurality of menus, thereby making financial transactions through one stroke of the user.

Next, the operation of the present invention will be described in detail with reference to the accompanying drawings. 2 is a flowchart for explaining the operation of the present invention. 3 is a mobile display screen showing the main operation of the present invention. In addition, the mobile exemplified in the present invention should be recognized as one of a cellular phone, PCS, PCA, and a satellite terminal.

As shown in step S201, the mobile 101 attempts a financial transaction using a wireless communication network. The mobile 101 has a chip with a unique number embedded therein, and has an environment that can utilize personal information such as a security card, including password information for the chip. The mobile 101 performs a Point to Point Protocol (PPP) setting for network connection to the wired / wireless network interworking device 105 through the base station 103. This is a connection between a wireless network of the terminal 101 and a wired network of the service provider 107 through a wired / wireless network interworking device 105, and a network of the chip mounted to the mobile 101 through a predetermined protocol. The unique number information is provided to the service provider 107 through the wired / wireless network interworking device 105.

The service provider 107 determines whether normal network connection is made based on the chip number information for the mobile 101. Thereafter, the service provider 107 performs socket opening between the mobile 101 and the service provider 107 in step S203 to perform basic communication for financial transactions. 3, after accessing the wireless Internet through the mobile 101, the Internet service menu is provided from the MISP, that is, the mobile Internet service provider. As shown, the Internet service menu displays Internet information that can be provided on the Internet mobile through mail / photo / chat, stock / lottery / finance, game, music / picture / broadcast, location / transportation / travel, and the like.

Here, when the user selects a menu for financial transactions, ie, 'Securities / Lottery / Finance' of the Internet service menu through the mobile 101, the service provider 107 is a main menu corresponding to the service item. To provide. The main menu is a detailed item corresponding to the 'Securities / Lottery / Finance' item, and consists of securities, electronic lottery, bank / exchange rate, gift certificate, real estate, credit card / loan, insurance / finance, etc., service provider ( A plurality of service items are displayed according to the content of 107). Thereafter, the mobile 101 selects one service item. When selecting a financial service according to a bank / exchange rate menu as shown, the service provider 107 is able to select a corresponding financial company. Provide your bank name.

The user selects a bank name for the current transaction based on a plurality of bank name information provided by the service provider 107 through the mobile 101, and performs a network connection with the bank's financial system 109. In operation S205, the financial system 109 provides a plurality of submenus to the mobile 101 through a mobile web page. That is, as shown in a of FIG. 4A, a menu such as deposit inquiry, balance inquiry, transaction history inquiry, cash service, loan, remittance, etc. corresponding to a sub menu is displayed on the display window of the mobile 101, and the user may use the mobile 101. Key operation to select one submenu or to display another submenu.

Thereafter, the user enters step S207 to select any one of a plurality of menus displayed on the display window of the mobile 101, and inputs personal information for using a service corresponding to the selection menu. When the selection menu is the balance inquiry, as shown in b of FIG. 4, financial information for inquiring the user's account balance, for example, account number input, account password input, security card number information, and the like, may be stored in the mobile 101. Enter through The financial system 109 performs authentication on the account number, the account password and the security card number input from the user in step S209, and stores the financial information input from the user in step S211, the mobile content management server 111 ) Transmit the relevant financial information. The mobile content management server 111 provides the balance information of the corresponding account according to the authentication result in the process as shown in c of FIG.

In addition, the mobile content management server 111 provides an interlocking menu related to the service menu currently provided in step S213 to one side of the display window of the mobile 101 to provide another menu that is interoperable with a submenu selected by the user. The interlocking menu is another financial service menu that can be interlocked with the currently inquired financial information, that is, the interlocking submenu, and may be a balance inquiry and remittance service, or a cash service or a loan service.

As such, after the user is provided with the service of the submenu through the mobile 101, the user is provided with an interworking submenu that can be linked with the submenu. 4d illustrates a linkage service that can be started along with the balance check after the service according to the balance check is performed by the user. Therefore, after the balance inquiry service is completed, the user selects a corresponding interworking submenu to use services such as transaction history inquiry, cash service, loan and remittance. If the user wants to transfer a predetermined amount by checking the balance after using the balance inquiry service, in step S215, the mobile content management server 111 determines whether the 'transfer' menu of the linked sub-menu is selected from the mobile 101. To judge.

Of course, if the user wants a cash service or a loan for a predetermined amount after inquiring the balance, the user selects a specific menu in the same manner. In the embodiment of the present invention, when the 'remittance' menu is selected, the mobile content management server 111 enters step S217 and the previously entered and stored account number information, account password information, and the like when the sub-menu for the balance inquiry is used. The security card number information is patched from the financial system 109. Then, the mobile content management server 111 provides a mobile page of the 'money transfer' menu selected by the user as shown in FIG.

In step S219, the user inputs remittance information, that is, remittance account number information, under the instruction of the mobile page corresponding to the remittance menu. At this time, the mobile content management server 111 replaces and utilizes financial information required for remittance, such as account number, account password, security card number, etc., with information previously set by the financial system 109. Duplicate input of can be excluded, and the balance information or payable information of the corresponding account extracted from the balance inquiry service can be displayed on the current mobile page for the convenience of the user.

As such, when the selection of the interlocking submenu and the input of the corresponding financial information are completed, the mobile content management server 111 executes the service for the remittance menu in step S211. The mobile content management server 111 displays the service execution result as shown in FIG. 4F, and displays information such as a remittance account number, a payee, a balance after remittance, and whether to continue using the service or terminate the service. Perform the query. That is, when the user wants to terminate the current financial service in step S223 and execute another submenu, the user feeds back to step S205 to receive the mobile page as shown in FIG. 4A.

On the other hand, if you want to end all the execution of the financial service, for example, through the end button of the mobile 101 can terminate the service by closing the service or closing the folder of the mobile, the mobile content management server 111 detects this Block the socket and initialize the system.

While the invention has been shown and described with respect to specific preferred embodiments thereof, the invention is not limited to the embodiments described above, and is commonly used in the art to which the invention pertains without departing from the spirit of the invention as claimed in the claims. Anyone with knowledge will be able to make various variations.

As described above, the network structure and the mobile banking method using the same for the mobile banking service according to the present invention, the mobile banking process through the PPP setting, socket opening, security processing, data communication for the mobile Internet connection and ending it In performing network administration of mobile banking with socket close and PPP blocking procedures, personal information and security information set in each sub menu are extended along with socket maintenance, and thus interworking between multiple sub menus is possible. It reduces the cost of network operation by reducing the time for providing financial services using mobile and reducing the traffic volume of repetitive and unnecessary data.

Claims (18)

In the financial network system for operating a mobile banking service, A mobile communication wireless network providing a dedicated network of a mobile communication terminal; A mobile device having a chip having a unique number for a financial transaction and requesting mobile banking on the wireless Internet based on at least one or more unique information, chip information about the chip, password information, and the like; A wired / wireless interworking device for interworking a wireless network and a wired network; A financial system for approving a financial transaction with a corresponding financial company based on personal information input from the mobile, including the chip information and password information; And With the approval of the financial system, a main menu and a sub-menu for the financial transaction are provided to the mobile in response to the financial transaction content requested from the mobile, and a Point to Point Protocol (PPP) for accessing the mobile and the wireless Internet is provided. It is configured as a mobile content management server for maintaining the setting and maintaining the socket for the main menu, and control the interworking between sub-menus based on the personal information, chip information and password information provided to the financial system. Network structure for mobile banking services. The method of claim 1, wherein the user authentication is performed between the wired / wireless network interworking device and the financial system based on proxy authentication and accessor information for the network connection of the mobile device, and provided by a plurality of financial companies based on the authentication result. The network structure for a mobile banking service, characterized in that it further comprises a service provider for providing the financial content to the mobile. The mobile content management server of claim 1, wherein the mobile content management server displays at least one interworking submenu for interworking on the display window of the mobile according to the relation between the plurality of submenus so as to perform a one-stroke financial transaction of the user. Network structure for mobile banking services. The network structure for a mobile banking service of claim 3, wherein the mobile content management server displays the search result of the submenu to the mobile when the service of the interworking submenu is provided. The network structure of claim 4, wherein the inquiry result of the sub-menu is any one of deposit inquiry result information, loan amount information, and cash service available amount information. 2. The network structure of claim 1, wherein the personal information includes security card number information. According to claim 1, The main menu provided on the mobile is a financial transaction item initially selected after the Internet access through the mobile payment account list inquiry, remittance / transfer and credit card, etc., the sub-menu balance Deposit inquiry menu consisting of inquiry, deposit and withdrawal transaction history inquiry, deposit transaction history inquiry, withdrawal transaction history inquiry, loan balance inquiry, loan interest payment history inquiry, loan final transaction history inquiry, loan repayment amount inquiry, discount note date Loan menu consisting of a detailed inquiry of inquiry, a detailed bill handling of discounted bills, remittance result inquiry, remittance reservation inquiry of another party, remittance reservation of another party, cancellation of reservation reservation of another party, cancellation of reservation reservation of another party, and cash service It includes a cash service menu composed of transfer, inquiry of transfer processing result, inquiry of cash service history, etc. Network architecture for mobile banking services to. The method of claim 1, wherein the linkage between the submenus of the mobile content management server is performed by interworking a deposit inquiry menu and a remittance menu so as to perform a remittance administration after recognizing a deposit state from a user or the deposit inquiry menu. A network structure for a mobile banking service, comprising: interworking a cash service menu and interworking with the cash service menu to enable use of a cash service after a deposit state is recognized from a user. The method of claim 1, wherein the submenus of the mobile content management server are linked to the loan menu and the remittance menu so that loans and remittances can be performed in parallel, or the loan menu and the deposit inquiry menu are linked to each other. Network structure for a mobile banking service, characterized in that to enable the loan confirmation. 2. The network structure of claim 1, wherein the mobile is one of a cellular phone, a PCS, a PDA, and a satellite terminal. In the method of operating a financial service on a financial network using a mobile, a) receiving a request for access to a financial network from a mobile having at least one unique information; b) providing a plurality of submenus for mobile financial transactions after performing authentication on the at least one unique information; c) recognizing selection of the submenu from the mobile and requesting input of corresponding financial information; d) performing authentication on the financial information, storing the financial information based on an authentication result, and providing a service for a selected submenu; e) providing an interworking submenu that is interoperable with the submenu and recognizing selection of the interworking submenu; f) if the selection of the interworking submenu is recognized, performing the authentication of the interworking submenu by patching the financial information, and providing a service for the interworking submenu; g) initializing the system when it is recognized that the service for the mobile financial transaction is terminated, and otherwise feeding back to the d step. 12. The method of claim 11, wherein the unique information includes chip number information of a unique chip mounted on the mobile device and password information of the chip. The method of claim 12, wherein the unique information further comprises card number information of a security card carried by a user. The method of claim 11, wherein the main menu is a financial transaction item that is initially selected after accessing the Internet through the mobile, and includes a payment account list inquiry, a transfer / transfer, and a credit card. 12. The method of claim 11, wherein the sub-menu includes a balance inquiry menu including balance inquiry, deposit and withdrawal transaction history inquiry, deposit transaction history inquiry, and withdrawal transaction history inquiry, loan balance inquiry, loan interest payment history inquiry, and loan final transaction history. Loan menu consisting of inquiry, loan repayment amount inquiry, discount note date specification inquiry, discount note handling detail inquiry, remittance result inquiry, current reservation remittance inquiry, other reservation remittance inquiry, cancellation reservation remittance, other reservation A method of operating a mobile banking service, comprising a remittance menu composed of remittance cancellation, a cash service transfer composed of a cash service transfer, a transfer processing result inquiry, a inquiry cash service history inquiry, and the like. 12. The method of claim 11, wherein the linkage between the sub-menus interlocks a deposit inquiry menu and a remittance menu so that a remittance administration can be performed after a deposit state is recognized from a user, or the deposit inquiry menu and a cash service menu are mutually linked. After the deposit status is recognized by the user by interlocking, the operation method of the mobile banking service, characterized in that directly linked to the cash service menu to enable the use of cash services. 12. The method of claim 11, wherein the linkage between the submenus allows the loan menu and the remittance menu to be linked to each other so that loans and remittances can be performed in parallel or after the loan administration is linked to the loan menu and the deposit inquiry menu. Operation method of a mobile banking service, characterized in that to make. 12. The method of claim 11, wherein the mobile is any one of a cellular phone, a PCS, a PDA, and a satellite terminal.

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