KR20060110906A - System and method for mobile financial transaction, server, mobile devices and recording medium - Google Patents

Abstract

A system and a method for mobile financial transaction, and a server, a mobile terminal, and a recording medium are provided to process the financial transaction matched with an account optimized and/or selected by condition information when a customer performs the financial transaction by using account data stored in an IC chip of the mobile terminal. The customer mobile terminal(200) performs the financial transaction by using the account data stored in the IC chip. An information receiver(115) receives financial transaction data executed in the customer mobile terminal. A financial account selector(120) selects the account among multiple accounts or goods of the customer according to a condition as a financial transaction target account matched with the financial transaction data. A financial transaction processor(130) processes the financial transaction through the selected account. An information transmitter(125) notifies financial transaction processing particulars to the customer mobile terminal.

Description

Mobile financial transaction method and system and server, wireless terminal, recording medium therefor {System and Method for Mobile Financial Transaction, Server, Mobile Devices and Recording Medium}

1 is a diagram showing a mobile financial transaction system according to a preferred embodiment of the present invention.

2 is a view showing the functional configuration of a mobile terminal for a mobile financial transaction in accordance with a preferred embodiment of the present invention.

3 is a diagram illustrating a method for operating a wireless terminal for a mobile financial transaction in accordance with a preferred embodiment of the present invention.

4 is a diagram showing a mobile financial transaction method according to a preferred embodiment of the present invention.

FIG. 5 illustrates a preferred method of identifying and selecting a financial account (or financial instrument) meeting a condition (or policy) in accordance with one embodiment of the present invention.

6 is a diagram illustrating a customer terminal for mobile financial transaction approval according to an embodiment of the present invention.

<Description of main parts of drawing>

100: server side 105: information storage unit

110: storage medium 115: information receiving unit

120: financial account selection unit 125: information transmission unit

130: financial transaction processing unit 135: network / communication means

145 interface means 150 financial system

155: foreign module 160: account module

165: information module module 170: interface between modules

175: DBMS

According to the present invention, when a financial transaction using a predetermined financial account (or payment means) information data included in an IC chip is performed by a customer wireless terminal, a predetermined means is used by a server that processes the financial transaction according to a predetermined mobile financial transaction procedure. Receive predetermined financial transaction information data using the financial account (or payment means) information data from the customer wireless terminal through a plurality of financial accounts (or financial products) owned by the customer according to a predetermined condition (or policy) Or at least one financial account (or financial instrument) of a plurality of financial instruments is selected as a financial transaction target financial account (or financial instrument) corresponding to the financial transaction information data to process the financial transaction. To provide a transaction method and system, a server, a wireless terminal, and a recording medium therefor.

Recently, financial institutions have expanded their business in various ways and expanded their scope, and customers who deal with the financial institutions through marketing, such as cross selling or up-selling, Opening at least one financial account (or financial instrument) at an institution, and / or using at least one financial instrument sold by the financial institution, and / or receiving financial services provided by the financial institution. One financial transaction through the financial institution is performed by matching with one financial account (or financial product). For example, if the financial institution is a bank, the customer may make a plurality of financing for the Ordinary Deposit and / or Demand Deposit and / or Equity Fund Investments and / or Forex Investments. It is common to open an account (or financial instrument).

On the other hand, it is inertial to financial transactions and / or financial services made through the financial institution. That is, a customer may use the financial service provided by the financial institution for the first time at the time of opening a predetermined financial account (or financial product) at the financial institution, or purchasing a predetermined financial product sold by the financial institution. No attempt is made to change the financial transaction settings set at the time, even if the financial transaction settings are inefficient and in some cases monetary to the customer. For example, in the case of a financial transaction in which the financial institution is a bank, and the payment made by a predetermined billing institution is processed through direct debit through a predetermined demand deposit account, the customer may apply at the time of applying for the direct debit service. The financial transaction setting is not changed unless the required deposit account is closed or the deposit is lost unless there is a special matter.

As described above, the customer does not change the preset financial transaction setting, firstly, the client is not provided with or lacks information for identifying the characteristics and / or advantages and disadvantages of the preset financial transaction setting, and second, the information necessary for the customer is provided. Even if it is because the process of changing the financial transaction settings is complicated.

In addition, the financial transaction means that used the conventional windows and / or automated devices have been developed in the manner of using wired and / or wireless communication infrastructure due to the development of information and communication technology, the financial instruments are recently activated the constraints of time and space A wireless financial transaction means which can be used without a charge, the wireless financial transaction means is a wireless terminal and the wireless terminal to mount or detach the IC chip (or IC card) and the IC chip (or IC card) matching a predetermined financial account; And a wireless network connecting the server side.

However, in the wireless financial transaction means, since the IC chip (or IC card) is matched with a predetermined financial account, there is a problem of providing only financial transactions related to the receiving and / or credit services corresponding to the financial account. It includes.

The present invention has been derived to solve the above problems, when the financial transaction using the predetermined financial account (or payment means) information data provided in the IC chip in the customer wireless terminal, according to the predetermined mobile financial transaction procedure The server side which processes the financial transaction receives predetermined financial transaction information data using the financial account (or payment means) information data from the customer wireless terminal through predetermined means, and according to the predetermined condition (or policy). Select a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments as the financial transaction target financial accounts (or financial instruments) corresponding to the financial transaction information data; By processing the financial transaction, a financial account (or financial product) optimized by predetermined condition (or policy) information Mobile financial transaction method and system for processing at least one or more financial transactions corresponding to the selected financial account (or financial product) in accordance with the at least one financial transaction and / or the conditions (or policy) information and the server for the same And wireless terminals and recording media.

The present invention comprises the steps of executing a predetermined financial transaction using a predetermined financial account (or payment means) information data provided in the IC chip in the customer wireless terminal; Receiving predetermined financial transaction information data using predetermined financial account (or payment means) information data included in the IC chip in a predetermined information receiving means; At least one or more financial accounts (or financial instruments) of the plurality of financial accounts (or financial instruments) owned by the customer or a plurality of financial instruments according to a predetermined condition (or policy) in a predetermined financial account (or financial instrument) selection means; Selecting a financial account (or financial instrument) corresponding to the financial transaction target financial account (or financial instrument) corresponding to the financial transaction information data; And a financial transaction processing step of processing the financial transaction through at least one financial account (or financial product) selected through the financial account (or financial product) selection step in a predetermined financial transaction processing means. It is done.

According to a preferred embodiment of the present invention, after the financial transaction processing step further comprises the step of notifying the financial transaction processing details to the customer wireless terminal. In addition, the financial transaction approval request step of transmitting the financial transaction approval request information from the predetermined information transmission means to the customer wireless terminal before the financial transaction processing step; A financial transaction approval request information receiving step for receiving the financial transaction approval request information from the customer wireless terminal; A financial transaction approval information transmitting step of transmitting, by the customer wireless terminal, predetermined financial transaction approval information in response to the financial transaction approval request information; And a financial transaction approval information receiving step for receiving financial transaction approval information transmitted from the customer wireless terminal in a predetermined information receiving means.

In addition, the financial transaction approval request step, when transmitting the financial transaction approval request information to the customer wireless terminal, it is preferable to transmit a predetermined callback UAL attached, the financial transaction approval information transmitted by the customer wireless terminal is It is preferable that the information included in the IC chip provided in the customer wireless terminal is included.

According to the implementation method of the present invention, the mobile financial transaction method is a predetermined financial transaction in a predetermined information storage means using a predetermined financial account (or payment means) information data provided in the customer wireless terminal IC chip, the financial A predetermined storage medium includes predetermined condition (or policy) information in which a transaction is made through a plurality of financial accounts (or financial products) owned by the customer or at least one or more financial accounts (or financial products) among the plurality of financial products. Preferably, the method further comprises storing condition (or policy) information stored in a plurality of financial information, wherein the condition (or policy) information is used to compare a return of a plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products. It is preferable to include the condition (or policy) information set through.

The mobile financial transaction method may further include storing the customer information and / or the customer financial account (or payment means) information in association with the customer wireless terminal information in a predetermined storage medium in a predetermined information storage means. And preferably storing the card information corresponding to the customer financial account (or payment means) in a predetermined storage medium in the predetermined information storage means.

According to a preferred embodiment of the present invention, the customer wireless terminal preferably includes at least one of a mobile phone, a PDA, a portable Internet phone, and telematics.

According to a preferred embodiment of the present invention, the financial transaction is a financial transaction withdrawal processing through a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip, and the predetermined transaction provided in the customer wireless terminal IC chip. A financial transaction in which the amount of money withdrawn from a financial account (or payment means) of the customer is invested in a predetermined investment product, and a plurality of customer-owned payments in a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip. It is preferable that the financial account (or financial product) or at least one of the plurality of financial products (or financial products) comprises at least one or more financial transactions that transfer the amount, the plurality of financial accounts owned by the customer ( Financial instruments) or a plurality of financial instruments, such as deposit financial accounts (or deposit financial instruments) and savings financial accounts (or reserve financial instruments) and trusts; Mortgage accounts (or trust financial instruments), investment financial accounts (or investment financial instruments), insurance financial accounts (or insurance financial instruments), foreign currency deposit financial accounts (or foreign currency deposit financial instruments) and foreign currency reserve financial accounts (or foreign currency reserve finance) Commodity) and a foreign currency insurance financial account (or a foreign currency insurance financial product).

According to the present invention, a program for executing the mobile financial transaction method is recorded in a recording medium provided in the system for providing the mobile financial transaction method.

In the present invention, a mobile financial transaction system providing the mobile financial transaction method comprises: a customer wireless terminal executing a predetermined financial transaction using predetermined financial account (or payment means) information data included in an IC chip; Information receiving means for receiving financial transaction information data executed by the customer wireless terminal; According to a predetermined condition (or policy), a financial transaction object corresponding to the financial transaction information data is applied to the plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments. Means for selecting a financial account (or financial instrument) for selecting as a financial account (or financial instrument); And financial transaction processing means for processing the financial transaction through the selected at least one financial account (or financial product).

According to an embodiment of the present invention, the mobile financial transaction system further comprises information transmission means for notifying the financial transaction processing details to the customer wireless terminal after the financial transaction processing, and / or the Information transmission means for transmitting the financial transaction approval request information to the customer wireless terminal before the financial transaction processing; Preferably, the customer wireless terminal further includes information receiving means for receiving predetermined financial transaction approval information in response to the financial transaction approval request information. In particular, when the information transmitting means transmits the financial transaction approval request information to the customer wireless terminal, it is preferable to transmit with a predetermined callback UEL, and the financial transaction approval information transmitted by the customer wireless terminal is the customer wireless It is preferable that the information included in the IC chip provided in the terminal is included.

The mobile financial transaction system may include a plurality of financial accounts owned by the customer during a predetermined financial transaction using predetermined financial account (or payment means) information data included in the customer wireless terminal IC chip. Financial information) or information storage means for storing predetermined condition (or policy) information set to be made through at least one financial account (or financial product) of a plurality of financial products on a predetermined storage medium. Preferably, the condition (or policy) information includes the condition (or policy) information set by comparing a plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products.

The mobile financial transaction system may further include information storage means for processing the customer information and / or the customer financial account (or payment means) information in association with the customer wireless terminal information and storing the information in a predetermined storage medium. Preferably, and / or further comprises information storage means for storing the card information corresponding to the customer financial account (or payment means) in a predetermined storage medium.

According to a preferred embodiment of the present invention, each means provided in the mobile financial transaction system may be provided in a single server or may be provided in a plurality of servers.

In the present invention, the mobile financial transaction system includes an information receiving unit for receiving predetermined financial transaction information data using predetermined financial account (or payment means) information data included in the IC chip in a customer wireless terminal; According to a predetermined condition (or policy), a financial transaction object corresponding to the financial transaction information data is applied to the plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments. A financial account (or financial instrument) selecting unit for selecting a financial account (or financial instrument); And a financial transaction processing unit for processing the financial transaction through the selected at least one financial account (or financial product).

According to an embodiment of the present invention, the mobile financial transaction server preferably further comprises an information transmission unit for notifying the financial transaction processing details to the customer wireless terminal after the financial transaction processing, and / or the financial An information transmitter for transmitting the financial transaction approval request information to the customer wireless terminal before transaction processing; And an information receiver configured to receive predetermined financial transaction approval information in response to the financial transaction approval request information from the customer wireless terminal. In particular, when the information transmission unit transmits the financial transaction approval request information to the customer wireless terminal, it is preferable to transmit a predetermined callback UEL attached, and the financial transaction approval information transmitted by the customer wireless terminal is the customer wireless terminal. It is preferable to include the information contained in the IC chip provided in the.

In addition, the mobile financial transaction server, when a predetermined financial transaction using the predetermined financial account (or payment means) information data included in the customer wireless terminal IC chip, the financial transaction (or a plurality of financial accounts owned by the customer) Financial information) or an information storage unit for storing predetermined condition (or policy) information set to be made through at least one financial account (or financial product) among a plurality of financial products on a predetermined storage medium. The condition (or policy) information may include condition (or policy) information set by comparing a plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products.

The mobile financial transaction server may further include an information storage unit configured to process the customer information and / or the customer financial account (or payment means) information in association with the customer wireless terminal information and store the information in a predetermined storage medium. And / or an information storage unit for storing card information corresponding to the customer financial account (or payment means) in a predetermined storage medium.

According to a preferred embodiment of the present invention, the mobile financial transaction server may be composed of a single server or may be composed of a plurality of servers.

According to the present invention, a program for executing a server function is recorded in a recording medium provided in the mobile financial transaction server.

In the present invention, the mobile financial transaction system, IC chip having a predetermined financial account (or payment means) information data; A processor which executes a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip; A transmission unit for transmitting predetermined financial transaction information data generated in response to the execution of the financial transaction to a server; And at least one financial account (or financial instrument) among the plurality of financial accounts (or financial instruments) owned by the customer or a plurality of financial instruments in accordance with a predetermined condition (or policy) in the server. And a receiving unit for receiving the financial transaction approval request information using the selected financial transaction target financial account (or financial product) after selecting the target financial account (or financial product). The transmitter is provided with a wireless terminal with a mobile financial transaction function, characterized in that for transmitting the predetermined financial transaction approval information in response to the financial transaction approval request information.

According to the exemplary embodiment of the present invention, the receiving unit of the wireless terminal equipped with the mobile financial transaction function receives the financial transaction processing history from the server after the financial transaction processing. Preferably, the information includes information included in the IC chip, and the financial transaction includes a financial transaction withdrawn from a predetermined financial account (or payment means) included in the customer wireless terminal IC chip, and the customer. A financial transaction for investing an amount withdrawn from a predetermined financial account (or payment means) included in a wireless terminal IC chip in a predetermined investment product, and a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip. ) A plurality of financial accounts (or financial instruments) owned by the customer or at least one financial account (or financial instruments) of the plurality of financial instruments. Preferably it comprises a financial transaction that funds were sent over at least one.

According to a preferred embodiment of the present invention, it is preferable that the wireless terminal having the mobile financial transaction function includes at least one of a mobile phone, a PDA, a portable internet phone, and telematics. A program for executing a terminal function is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention to be carried out below will be described as a predetermined means provided on the server side consisting of at least one server in order to efficiently describe the technical components constituting the present invention, the server side Functional configuration (eg, financial transaction approval module) and / or function server (eg, financial transaction) provided in a separate server system interworking with a predetermined financial system according to the intention and / or implementation method, or provided in the financial system. The server may be provided as an approval server, and each means constituting the server side can be implemented in various ways. For example, each means for forming the server side is recorded on a recording medium provided in the server according to the function configuration of each server included on the server side and / or the unique characteristics (or roles) of the server. A program (e.g., a program comprising at least one or more functions for performing a unique function (or role) of each means), and / or the at least one or more means are configured as one independent server It is possible to configure a plurality of servers to be interlocked through a predetermined inter-server interface.

In addition, the preferred embodiment of the present invention described below is described as being provided on the network accessible from the server side in order to efficiently describe the technical components constituting the present invention, the technology to which the present invention belongs Those skilled in the art will clearly understand that the storage medium may be stored in a predetermined server provided on the server side or provided on the financial system.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing a mobile financial transaction system according to a preferred embodiment of the present invention.

In more detail, Figure 1 is provided with a financial account (or payment means) information data on the IC chip in the customer wireless terminal 200 according to a preferred embodiment of the present invention, in conjunction with the customer wireless terminal 200 For the case where the server side 100 including the functional configuration of the mobile financial transaction system according to the present invention is provided on a network interworking with the financial system 150 for processing a financial transaction through a predetermined interface means 145. As those skilled in the art to which the present invention pertains, an implementation method (eg, provided in the financial system 150) provided by the server side 100 based on the implementation method illustrated and described in FIG. In addition, the server side 100 is composed of at least one module provided in the financial system 150 and the interface means 145 is an inter-module interface provided in the financial system 150 Implementation Method), or the server side (100) included in the switch 170 will be able to easily infer the exemplary method to configure a single server or multiple servers.

The financial account (or financial product) is characterized in that it comprises at least one banking component (Banking Components) and / or brokerage component (Brokerage Components), the banking component is at least one banking transaction made in the financial institution (E.g., the bank's unique business as defined in the relevant laws and regulations, including account balance checks, deposits, withdrawals, transfers, payments, payment instructions, funds transfers, and payments); The intermediary element comprises a component for processing at least one or more intermediary transactions made at the financial institution (e.g., a task for the purpose of obtaining a fee, including the sale or exchange of securities).

The financial system 150, in which the customer-owned financial account (or financial product) is opened and operated, includes an accounting module for a window service such as credit or reception or trust or foreign exchange occurring at at least one branch, and processing of the headquarters business. And information system modules for branch office information support and customer relationship management, and the financial system 150 and homes, businesses, stores, and other external computer networks to connect a variety of electronic financial services (e.g., Internet banking, phone banking, CDs). External module providing Dispenser / ATM (Automatic Teller Machine), foreign currency exchange, call center, financial settlement), and inter-module interface corresponding to middleware providing an interface between components in the financial system 150 Predetermined information (eg, customer-owned financial account (or financial) required for each function in the 170 and components in the financial system 150. Product) or customer ledger information or management information, etc.), including DBMS (DataBase Management System) that stores and manages each kind of financial institution (for example, commercial banks, savings banks, trust banks, credit card companies) According to the purpose and characteristics of the financial system 150, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown).

The financial system 150 and the server side 100 interwork through a predetermined interface means. As shown in FIG. 1, the server side 100 is provided on a network outside the financial system 150. In the interface means comprises a network means and / or communication connection means 135 for interworking the server side 100 and the financial system 150, according to another embodiment the server side 100 In the case of an implementation method provided with at least one module provided in the financial system 150, the interface means may be included in the intermodule interface 170 provided in the financial system 150.

The financial system 150 performs a predetermined financial transaction (or payment processing) in the customer wireless terminal 200 connected through a predetermined network and / or communication means 135, and the customer wireless terminal 200 Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) providing wireless banking and / or wireless payment services At least one terminal or a personal digital assistant (PDA) or a smart phone, a telematics or a wireless data communication terminal, or a portable internet terminal is included. The wireless terminal 200 includes a predetermined terminal. Or withdrawal of IC chip with predetermined financial account (or payment means) information data for financial transactions (or payment processing) It is characterized.

According to one embodiment of the invention, the network and / or communication means 135 connecting the customer wireless terminal 200 and the financial system 150 (or server side 100) is the customer wireless terminal 200 It is preferable to include a wireless network including at least one of a mobile communication network or a wireless data communication network or a portable Internet network, the wireless network is a wireless section and the financial system (interworking with the customer wireless terminal 200) ( 150 (or the server side 100) preferably includes a wired section that interworks with.

According to another exemplary embodiment of the present invention, the network and / or communication means 135 connecting the customer wireless terminal 200 and the financial system 150 (or the server side 100) may be connected to the customer wireless terminal ( Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), UWB (Ultra Wide Band system) according to the short range communication means provided in the 200) It is preferable to include at least one, wherein the short-range communication means and the short-range wireless communication interval between the customer wireless terminal 200 and the predetermined short-range communication device through a predetermined short-range wireless communication and the short-range communication device and It is preferable to include a wired section interlocking with the financial system 150 (or server side 100).

Referring to FIG. 1, the server side 100 including at least one functional configuration for approving the financial transaction receives predetermined financial account (or payment means) information data included in the IC chip in the customer wireless terminal 200. When the predetermined financial transaction information data used is transmitted, at least one of a plurality of financial accounts (or financial products) or a plurality of financial products owned by the customer according to the information receiving unit 115 and the predetermined condition (or policy) for receiving the predetermined financial transaction information data. A financial account (or financial product) selecting unit 120 for selecting at least one financial account (or financial product) as a financial transaction target financial account (or financial product) corresponding to the financial transaction information data; It characterized in that it comprises a; financial transaction processing unit 130 for processing the financial transaction through (or financial products).

According to an embodiment of the present invention, the server side 100 may further include an information transmission unit 125 for notifying the financial transaction processing details to the customer wireless terminal 200 after the financial transaction processing. Do.

Also, the server side 100 transmits the financial transaction approval request information to the customer wireless terminal 200 and the customer wireless terminal 200 before the financial transaction processing according to an implementation method. When the predetermined financial transaction approval information is transmitted in response to the financial transaction approval request information, the information receiving unit 115 may be further provided.

In addition, the server side 100, when the predetermined financial transaction using the predetermined financial account (or payment means) information data provided on the IC chip of the customer wireless terminal 200 according to the implementation method, the financial transaction is the customer Predetermined condition (or policy) information set to be made through a plurality of owned financial accounts (or financial instruments) or at least one financial account (or financial instruments) of the plurality of financial instruments to the predetermined storage medium 110. And / or store the customer information and / or the customer financial account (or payment means) information in association with the customer wireless terminal 200 information in a predetermined storage medium 110, and / or the It is preferable to further include an information storage unit 105 for storing the card information corresponding to the customer financial account (or payment means) in the predetermined storage medium 110.

The financial system 150 is provided with a plurality of financial accounts (or financial products) corresponding to the customer, the information storage unit 105 is a financial transaction financial transaction using the IC chip provided in the customer wireless terminal 200 Characterized in that the predetermined condition (or policy) to set to be made through at least one or more specific financial account of the plurality of customer-owned financial account (or financial products) in the predetermined storage medium 110.

According to a preferred embodiment of the present invention, the condition (or policy) comprises the condition (or policy) information set through the comparison of the return rate of the plurality of financial accounts (or financial instruments) owned by the customer or a plurality of financial instruments It is preferable. For example, when the financial transaction is a deposit transaction, the rate of return is calculated according to the deposit of an amount corresponding to the deposit transaction among the plurality of financial accounts (or financial products) by comparing the yields of the plurality of financial accounts (or financial instruments). The condition (or policy) set to deposit the amount into at least one financial account (or financial instrument), and if the financial transaction is a withdrawal transaction, a comparison of the yields of the plurality of financial accounts (or financial instrument); A condition (or policy) set to withdraw the amount from at least one financial account (or financial instrument) of the plurality of financial accounts (or financial instruments), the yield of which is less likely to be reduced according to the withdrawal of the amount corresponding to the withdrawal transaction; When the financial transaction is an amount transfer transaction between the plurality of financial accounts (or financial products), the plurality of financial accounts ( Is a target of transfer from at least one financial account (or financial instrument) whose yield is lowered according to the withdrawal of the amount corresponding to the withdrawal transaction among the plurality of financial accounts (or financial instruments) Withdrawal amount and set the deposit amount of the withdrawn money to at least one financial account (or financial product), the yield is high when the withdrawal amount of the plurality of financial accounts (or financial products) is deposited It is preferable to include at least one (or policy).

In addition, the condition (or policy) is a predetermined policy (or terms) in the financial company that the customer is set through a predetermined customer terminal before the financial transaction, and / or manages the customer's financial account (or financial products) It is preferable to set according to, and / or the rate of return corresponding to each financial account (or financial instrument) of the plurality of financial accounts (or financial instruments) in the financial company managing the financial account (or financial instrument) of the customer It is desirable to update periodically according to the change. In particular, when the condition (or policy) is set or renewed by a financial company managing the customer's financial account (or financial instrument), it is automatically set or updated according to the predetermined policy (or terms), or It is advisable to get a customer's approval to set or update.

According to a preferred embodiment of the present invention, the information storage unit 105 may further set and store automatic money transfer condition (or policy) information between the plurality of financial accounts (or financial products). The automatic amount transfer condition (or policy) information between financial accounts (or financial products) may include at least two or more heterogeneous financial financial accounts (or financial products) included in the plurality of financial accounts (or financial products) in response to fluctuations in exchange rates. Automatic money transfer conditions (or policies) and periodically withdraw a certain amount from at least one financial account (or financial instrument) of the plurality of financial accounts (or financial instruments), ) Include at least one automatic transfer condition (or policy) set up to be deposited into at least one financial account (or financial instrument). It is right.

According to a preferred embodiment of the present invention, the plurality of financial accounts (or financial products) owned by the customer is provided in the financial system 150, the specific financial system 150 corresponding to a predetermined financial company 150 of the customer owned Preferably, a plurality of financial accounts (or financial products) are provided. According to another exemplary embodiment, a plurality of financial accounts (or financial products) owned by the customer are provided in the plurality of financial systems 150 corresponding to the plurality of financial companies. It is possible.

According to the present invention, a predetermined financial account (or payment) provided in the IC chip of the customer wireless terminal 200 is linked to the information storage unit 105 and the storage medium 110 for storing the condition (or policy) information. Means) In a predetermined financial transaction using information data, the financial transaction is set to be performed through at least one financial account (or financial instrument) among a plurality of financial accounts (or financial instruments) owned by the customer or a plurality of financial instruments. An information storage means for storing a predetermined condition (or policy) information in a predetermined storage medium 110 is provided.

In the financial system 150, a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200 having a plurality of financial accounts (or financial products) is performed. In order to easily perform the procedure for accepting the financial transaction through the customer wireless terminal 200, the information storage unit 105 stores the customer information and / or the customer financial account (or payment means) information. And store information in a predetermined storage medium 110 in association with the customer wireless terminal 200 information, and / or store card information corresponding to the customer financial account (or payment means) in a predetermined storage medium 110. It is characterized by storing in).

According to an embodiment of the present invention, when a predetermined financial transaction using predetermined financial account (or payment means) information data included in the customer wireless terminal 200 IC chip, the financial transaction is the customer wireless terminal 200 ) Transfers predetermined financial transaction information data to the financial system 150 based on the financial account (or payment means) information data, wherein the financial transaction information data includes And at least one financial transaction element for a banking transaction using the banking element included in a financial account (or financial instrument), and / or a financial transaction element for an intermediary transaction using the mediation element. The transaction element includes a transaction code that specifies the type of financial transaction and the financial transaction party and / or the customer and / or It includes a predetermined identifier (Identifier) for identifying a specific financial account (or financial product) owned by the customer.

According to a preferred embodiment of the present invention, the transaction code is a type of financial transaction (eg, deposit transaction) requested by the customer wireless terminal 200 in response to a specific customer-owned financial account (or financial product) at the financial institution. Or a unique code for confirming a withdrawal transaction or transfer of money between the plurality of financial accounts (or financial instruments), and is defined according to the intention of the financial institution.

In addition, the identification information is an IC chip mounted on or detached from the financial transaction party and / or customer-owned card (for example, customer-owned wireless terminal 200) corresponding to the plurality of customer-owned financial account (or financial products) Account number for the financial account (or financial product), or a unique code (or unique number) assigned to the financial transaction party and / or customer by the financial institution, or the financial transaction party and Card information including a card number for identifying a card owned by a customer, and / or an individual for the financial transaction party and / or a customer stored in a predetermined database (not shown) provided on the server side 100. And at least one customer information including information and / or member information.

Customer information stored in the storage medium 110 by the information storage unit 105 is a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200. City, the information corresponding to the personal information (eg, customer name, social security number) and / or member information (eg, user account and password) of the customer provided from the customer wireless terminal 200 to the financial system 150 The customer financial account (or financial product) information is a predetermined financial transaction using a predetermined financial account (or payment means) information data provided in the customer wireless terminal 200 IC chip, Information corresponding to the financial account (or financial product) provided from the customer wireless terminal 200 to the financial system 150 (for example, an account number corresponding to the financial account (or financial product), And a unique code corresponding to the financial account (or financial product) and card information corresponding to the financial account (or financial product).

According to the present invention, the information storage unit 105 and the storage medium 110 is linked to the customer information and / or the customer financial account (or payment means) information associated with the customer wireless terminal 200 information processing And / or information storage means for storing card information corresponding to the customer financial account (or payment means).

The information receiver 115 is provided in the IC chip from the customer wireless terminal 200 through a communication channel connected between the customer wireless terminal 200 and the financial system 150 (or the server side 100). Receive predetermined financial transaction information data based on the financial account (or payment means) information data of the.

In the present invention, a method of connecting a communication channel between the financial system 150 (or the server side 100) in the customer wireless terminal 200 and / or the financial system 150 in the customer wireless terminal 200 ( Alternatively, the method of transmitting the financial transaction information data to the server side 100 is in accordance with industry practices and / or intentions of those skilled in the art, and if the standard method is determined in the future, the method of the present invention is not limited thereto. Does not. For example, in the case of a domestic country based on a mobile communication network, the bank-on method including the Kookmin Bank encrypts the financial transaction information data in the 3DES method in the customer wireless terminal 200 to the financial system 150 (or the server side 100). After inputting the password, and the M bank method including the Woori Bank, the financial system 150 (or the server side 100) using the financial transaction information data and the password as the SEED method in the customer wireless terminal 200 And other communication networks (eg, portable Internet networks) other than the standard scheme and / or mobile communication network to be designated in the future may be different from this, but the present invention is not limited thereto.

According to the present invention, the information receiving unit 115 provides information receiving means for receiving predetermined financial transaction information data from the customer wireless terminal 200 including a network connecting the customer wireless terminal 200.

The predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200 is performed through the predetermined network and / or communication means from the customer wireless terminal 200. The financial transaction information data including financial transaction elements of the financial transaction information data is started to be received, and the financial account (or financial product) selection unit 120 reads the financial transaction information data and stores the data in the storage medium 110. (Or a policy) through the financial account (or financial product) of the plurality of financial accounts (or financial products) owned by the customer or at least one or more financial products (or financial products) of the financial transaction target data corresponding to the financial transaction information data ( Or a financial product), and the financial account (or financial product) selector 120 is linked with the storage medium 110 to According to a condition (or policy) stored in the storage medium 110, at least one financial account (or financial product) among the plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products is added to the financial transaction information data. It provides a means for selecting a financial account (or financial instrument) to select the corresponding financial transaction target financial account (or financial instrument).

The financial transaction processing unit 130 may process the financial transaction through at least one financial account (or financial product) selected through the financial account (or financial product) selection process. (Or policy) it is desirable to generate more revenue and / or less loss to the customer by comparing the return of the plurality of financial accounts (or financial instruments) or the plurality of financial instruments owned by the customer. Do.

According to a preferred embodiment of the present invention, the financial transaction processed by the financial transaction processing unit 130 is a financial transaction withdrawn with a predetermined financial account (or payment means) provided in the IC chip of the customer wireless terminal 200. And a financial transaction for investing an amount of money withdrawn from a predetermined financial account (or payment means) included in the customer wireless terminal 200 IC chip to a predetermined investment product, and to the customer wireless terminal 200 IC chip. At least a financial transaction in which an amount is transferred from a predetermined financial account (or payment method) to a plurality of financial accounts (or financial products) owned by the customer or to at least one or more financial accounts (or financial products) among the plurality of financial products It is preferable to include one or more, wherein the plurality of financial accounts (or financial instruments) or the plurality of financial instruments owned by the customer, and the deposit financial accounts (or deposit financial instruments) and Gold financial accounts (or savings financial instruments), trust financial accounts (or trust financial instruments), investment financial accounts (or investment financial instruments), insurance financial accounts (or insurance financial instruments), and foreign currency deposit financial accounts (or foreign currency deposit financing); Commodity), the foreign currency reserve financial account (or foreign currency reserve financial product) and the foreign currency insurance financial account (or foreign currency insurance financial product) at least one or more.

According to the present invention, the financial transaction processing unit 130 processes a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200. And financial transaction processing means for processing the financial transaction through the selected at least one financial account (or financial product).

According to the exemplary embodiment of the present invention, the financial transaction approval request information is transmitted from the server side 100 to the customer wireless terminal 200 before the financial transaction processing of the financial transaction processing unit 130, and the customer wireless. Receive predetermined financial transaction approval information corresponding to the financial transaction approval request information from the terminal 200 and through the financial transaction approval information, confidentiality, authentication, integrity and denial of the financial transaction. It is possible to further perform a process of securing a nonrepudiation, and for this purpose, the information transmitter 125 requests a predetermined financial transaction approval for the financial transaction in response to the financial transaction to the customer wireless terminal 200. Characterized in that it transmits the information, including the network connecting the information transmitter 125 and the customer wireless terminal 200 to the customer wireless terminal 200 Information transmission means for transmitting the financial transaction approval request information to process the financial transaction through at least one or more specific financial account (or financial products) of the plurality of financial accounts (or financial products) owned by the customer in response to the existing financial transaction To provide.

According to a preferred embodiment of the present invention, the information transmitting unit 125 is stored in the storage medium 110 in association with the customer information and / or customer financial account (or payment means) information stored in the customer wireless terminal 200 ) The financial transaction approval request information is transmitted to the customer wireless terminal 200 using the information, and / or the financial transaction information data is received by the information receiver 115 and the financial information. It is possible to transmit the financial transaction approval request information through a communication channel connected between the system 150 (or the server side 100), and the financial transaction approval request information may be transmitted to the condition (or policy). Information on notification of processing through at least one matching financial account (or financial product) and the financial transaction approval request information in the customer wireless terminal 200; Preferably comprises a user interface to input / extract a financial transaction authorization information to be transmitted to the server side 100.

According to a preferred embodiment of the present invention, in transmitting the financial transaction approval request information to the customer wireless terminal 200, the information transmitter 125 approves a predetermined financial transaction corresponding to the financial transaction approval request information. It is preferable to include a predetermined callback UEL for transmitting information to the server side (100).

In addition, the information transmission unit 125 is processed by the financial transaction processing unit 130 through the financial account (or financial product) owned by the customer that meets the conditions (or policies), the financial transaction Preferably, the method further includes generating a processing history and notifying the customer wireless terminal 200.

According to the exemplary embodiment of the present invention, the financial transaction approval information is key input information (eg, financial transaction approval password) input through a predetermined key input means (eg, keyboard / keypad) provided in the customer wireless terminal 200. Or a financial transaction approval code, and / or IC chip storage information (eg, IC chip serial number, IC chip) extracted from an IC chip mounted or detached from the customer wireless terminal 200. It is preferable to include a stored certificate information, etc.), and a predetermined personal identification number through a predetermined key input means provided in the customer wireless terminal 200 to extract the IC chip storage information. A PIN) is preferably performed. In addition, when a predetermined biometric means is provided in the customer wireless terminal 200, the financial transaction approval information is biometric data (eg, fingerprint, iris, voice, face) extracted from the biometrics of the customer through biometric means. , Signature, retina, etc.).

After the predetermined financial transaction approval request information is transmitted to the customer wireless terminal 200 as described above, the information receiver 115 transmits the customer wireless terminal 200 and the server side 100 in the process of transmitting the financial transaction approval request information. Receive financial transaction approval information corresponding to the financial transaction approval request information from the customer wireless terminal 200 through a communication channel connected between the, and the financial transaction processing unit 130 is received from the customer wireless terminal 200 The financial transaction approval information may be read, and the financial transaction may be processed based on the financial transaction approval information.

2 is a diagram showing the functional configuration of the mobile terminal 200 for a mobile financial transaction in accordance with a preferred embodiment of the present invention.

More specifically, FIG. 2 illustrates a mobile financial transaction in a case where a mobile communication terminal accessing a mobile communication network based on code division multiple access (CDMA) performs a function of the wireless terminal 200 for the mobile financial transaction. The preferred functional configuration of the mobile communication terminal for. Those skilled in the art to which the present invention pertains can refer to FIG. 2 to configure the functional configuration of other wireless terminals (eg, wireless data communication terminals or portable Internet terminals) for mobile financial transactions in addition to mobile communication terminals. It can be easily inferred. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, a wireless terminal that provides mobile communication services includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery. Division Multiple Access (CDMA), a predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) that incorporates functions such as a modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), a vocoder, various memory devices, A duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the return of the high output transmission signal, and out of band RF / IF SAW filter for removing unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and VCTCXO (Vo corresponding to the reference clock source) Ltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. In addition, the modem chip is being integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are directly integrated together.

Referring to FIG. 2, the wireless terminal 200 for a mobile financial transaction basically includes a control unit 205, a screen output unit 210, a sound processor 220, a wireless processor 235, a key input unit 215, and a short range. Predetermined information or data on the communication unit 245 and the memory unit 285, the battery 230 for power supply, the IC chip 260 mounted on or detached from the wireless terminal 200, and the IC chip 260. An IC chip reader 255 is provided for reading and writing.

The control unit 205 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and a predetermined program routine for providing a function specific to a radio terminal from a predetermined memory element. And / or a bus for inputting and outputting program data and a predetermined electronic circuit (or integrated circuit) provided therefor, wherein the execution memory is selected from a predetermined memory device and / or a chipset in software. Is a generic term for program routines and / or program data that is loaded into and computed through the processor to perform specific functions (hence, in the present invention, certain predetermined values are recorded on a recording medium of the wireless terminal 200 for mobile financial transactions). The program routine is illustrated and illustrated as being provided in the control unit for convenience. By the control unit 205, and realize various functions to be implemented in the wireless terminal and thereby, further characterized in that control and manage the overall operation of the wireless terminal in order to realize the functions as described above. In particular, when power is input to the wireless terminal to perform a function of the control unit 205 for controlling and managing the overall operation of the wireless terminal, an operating system routine, a system management routine, and / or stored in a predetermined memory element System variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 210 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 215 by the control unit 205 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (eg, an LCD panel). The screen output unit 210 is linked to a screen output device (LCD) in a mobile financial transaction process. It is desirable to perform the function of the information output section for outputting the necessary predetermined information.

The sound processor 220 encodes a predetermined sound signal input from a microphone included in the wireless terminal 200 and provides the sound signal to the controller 205, or extracted and / or generated by the controller 205. It is characterized in that a predetermined sound signal is decoded and output through a speaker. To this end, the sound processor 220 is provided with a predetermined vocoder and a codec. Performs a function of a sound input means provided in the wireless terminal 200 through the sound processing unit 220 and the microphone, or outputs a sound provided in the wireless terminal 200 through the sound processing unit 220 and a speaker. Perform the function of the means.

The wireless processing unit 235 is associated with the control unit 205 (e.g., a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control and / or Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 235 processes the information or signal transmitted from the wireless terminal 200 to the base station to provide a mobile communication service to a CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to another embodiment of the present invention, if the wireless terminal 200 of FIG. If the wireless terminal 200 of FIG. 2 is a portable Internet terminal, the wireless processing unit 235 connects to the portable Internet network to provide a predetermined portable Internet service (eg, wireless) for mobile financial transactions. Data communication, or voice over IP (Voice over IP) based voice call).

The key input unit 215 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, read from the table that stores the information or signal matching the key data) and delivers it to the control unit 205, the key It performs the function of the key input means provided in the wireless terminal 200 through the input unit 215 and the keypad.

The short range communication unit 245 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

The memory unit 285 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the wireless terminal 200 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 200 and information or data therefor. The EEPROM stores a terminal registration related parameter and a telephone number (eg, an address book) or at least one or more information and / or data extracted and / or generated while executing an application included in the wireless terminal 200. do.

The IC chip reader unit 255 is an IC chip related functional configuration provided in the wireless terminal 200 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (for example, the wireless terminal 200). It is characterized in that the exchange of information and / or data between the IC chip agent program provided in the device) and the IC chip 260 mounted on or detached from the wireless terminal 200. For example, the IC chip reader unit 255 provides information and / or data exchange between the IC chip agent program and the IC chip 260 through an application protocol data unit (APDU).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 260 mounted on or detached from the customer wireless terminal 200 may include a power supply (VCC), a reset signal (RST), I / O interface to communicate with IC chip reader (e.g. command or data exchange) through contact points such as clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O) 265, a processor unit 270 including at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, or the like, and a read only memory (ROM). Memory 275 including at least one or more memory devices including random access memory (RAM), electrically erasable and programmable read only memory (EPEROM), flash memory (FM), and the like. At least one memory device (eg, ROM) may contain an IC A chip operating system (COS) for managing and operating internal resources is stored, and predetermined power is supplied from the IC chip reader unit 255 through a power supply (VCC) contact point of the input / output interface 265. In this case, the COS stored in the memory unit 275 is loaded into a predetermined execution memory to control the overall operation of the IC chip 260, and the clock frequency of the contact point of the clock signal CLK (for example, 3.57 MHz or 4.9 MHz). Control information or data exchange between the IC chip 260 and the IC chip reader unit through an APDU (Application Protocol Data Unit).

According to the present invention, the memory unit 275 of the IC chip 260 is characterized in that the IC chip storage information for mobile financial transactions is stored, the IC chip storage information is provided in the customer wireless terminal 200 Driven by a data storage unit for storing a data set corresponding to predetermined information or data to be read and / or used by a processor, and an instruction set provided by arithmetic functions of the processor unit 270 and a COS. A program routine (for example, a Java applet in the case of Javacard) that is executed and operates and used by a processor included in the customer wireless terminal 200 to interact with the instruction set of the COS. A processing unit corresponding to an application including a call code and execution code that is processed by the processor unit 270 is provided. Particularly, the processing unit is an APD. Read a command provided from the processor provided in the customer wireless terminal 200 via the input and output interface through U, and at least one or more information or data stored in the data storage unit based on the read command or Or, and record the result or read information or data to the processor provided in the customer wireless terminal 200 via the input / output interface 265 through the APDU.

According to a preferred embodiment of the present invention, the memory unit 275 of the IC chip 260 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 275 is a CSN (Chip Serial). And a protection area in which secret information such as a number is stored, a COS control area, a user application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like. The chip storage information is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 285 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, IC chip storage information 280 for the present invention also includes the file structure as described above It is done by

According to a preferred embodiment of the present invention, the IC chip storage information 280 preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or Including at least one credit card payment method, debit card payment method, check card payment method, prepaid card payment means, electronic wallet payment means It is preferable to make.

Referring to FIG. 2, the wireless terminal 200 transmits a predetermined financial transaction information data generated in response to the execution of the financial transaction to a server, and a predetermined condition (or policy) in the server. Accordingly, a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments are transferred to the financial transaction target financial accounts (or financial instruments) corresponding to the financial transaction information data. After the selection, if the financial transaction approval request information using the selected financial transaction target financial account (or financial product) is transmitted, the receiving unit 295 for receiving it is characterized in that it is made.

3 is a diagram illustrating a method of operating a wireless terminal 200 for a mobile financial transaction in accordance with a preferred embodiment of the present invention.

Referring to FIG. 3, the mobile financial transaction executes a financial transaction using the IC chip 260 mounted or detached from the customer wireless terminal 200 (for example, a mobile financial transaction execution button provided in the customer wireless terminal 200). Click, or the execution of the mobile financial transaction agent program provided to the customer wireless terminal 200) (300), if the mobile financial transaction is executed as described above, the customer wireless terminal 200 is a predetermined mobile financial transaction According to the procedure, the validity of the IC chip 260 is checked (305).

According to a preferred embodiment of the present invention, the validity checking process for the IC chip 260 is a predetermined Personal Identification Number (PIN) through a key input means provided in the predetermined customer wireless terminal 200. And the authentication of the personal identification number to the IC chip 260, thereby ensuring confidentiality, authentication, integrity and non-repudiation of the mobile financial transaction.

If the validity of the IC chip 260 is not authenticated (320), the mobile financial transaction is stopped, while if the validity of the IC chip 260 is authenticated (320), the customer wireless terminal 200 Inputs a predetermined financial transaction element through the key input means (315), and a predetermined financial account (or payment means) provided in the IC chip in conjunction with the IC chip 260 based on the financial transaction element; ) Generating financial transaction information data for a predetermined mobile financial transaction from the information data (320), wherein the detailed procedure of generating the financial transaction information data is preferably in accordance with industry practice and / or the intention of the skilled person, The technical idea is not limited by the above procedure.

When the financial transaction information data is generated as described above, the customer wireless terminal 200 establishes a predetermined communication channel (eg, a communication channel for processing a transaction for a financial transaction) between the financial system 150 for processing the financial transaction. (325), the communication channel connection process may be variously performed according to the network and / or communication means provided between the customer wireless terminal 200 and the financial system 150, the technical The idea is not limited by the communication channel connection process.

When the communication channel is connected as described above, the customer wireless terminal 200 transmits the generated financial transaction information data to the financial system 150 through the communication channel (330), and the financial system 150 ( Alternatively, the server side 100 processes the financial transaction in accordance with the technical spirit of the present invention based on the transmitted financial transaction information data.

4 is a diagram showing a mobile financial transaction method according to a preferred embodiment of the present invention.

The financial transaction information data transmitted from the customer wireless terminal 200 through the process of FIG. 3 is received by a predetermined financial system 150 defined to process the financial transaction, and the server interoperating with the financial system 150. The information receiving means of the side 100 receives predetermined financial transaction information data from the customer wireless terminal 200 to the financial system 150 through the process as shown in FIG. 3 for the mobile financial transaction processing according to the present invention. If the financial transaction information data is received (305), the financial account (or financial product) selecting means of the server side 100 reads the financial transaction information data to read the financial transaction information. In operation 410, the financial transaction corresponding to the data may perform the condition (or policy) stored in the storage medium 110.

According to an exemplary embodiment of the present invention, the condition (or policy) may include a plurality of financial accounts (or financial products) owned by the customer at a predetermined financial transaction of the financial transaction information data received from the customer wireless terminal 200. A condition (or policy) that allows the customer to generate more revenue and / or less losses through comparison of the yields of multiple financial products, and for this purpose, finance corresponding to the financial transaction information data. Replace the transaction with a plurality of financial accounts (or financial instruments) owned by the customer or with a plurality of financial instruments, or after a financial transaction corresponding to the financial transaction information data; Financial products) or a predetermined financial transaction using a plurality of financial products.

If the check result does not perform the condition (or policy) (415), the financial transaction processing means of the server side 100 performs a financial transaction corresponding to the financial transaction information data received from the customer wireless terminal 200. If the financial transaction corresponding to the financial transaction information data performs the condition (or policy) (415), the financial account (financial product) selection means of the server side 100 (Or a policy), the plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) of the plurality of financial instruments corresponding to the financial transaction information data financial account ( Or a financial instrument) (425).

When the financial transaction target financial account (or financial product) corresponding to the financial transaction information data is selected as described above, the information transmission means of the server side 100 may perform the financial transaction corresponding to the financial transaction element under the condition (or policy). In operation 430, predetermined financial transaction approval request information for a financial transaction is generated and transmitted to the customer wireless terminal 200.

After the financial transaction approval request information is transmitted to the customer wireless terminal 200 as described above (430), the information receiving means of the server side 100 is applied to the financial transaction approval request information from the customer wireless terminal 200. Waiting for the corresponding predetermined financial transaction approval information to be received (435), if the financial transaction approval information is received from the customer wireless terminal 200 (440), the financial transaction processing means of the server side 100 In operation 445, the financial transaction approval information is read to determine whether the financial transaction corresponding to the financial transaction information data received from the customer wireless terminal 200 is approved according to the condition (or policy).

If it is determined that the financial transaction corresponding to the financial transaction information data is not approved in accordance with the condition (or policy) (450), the financial transaction processing means is the financial received from the customer wireless terminal 200. The corresponding financial transaction corresponding to the transaction information data is processed (420).

On the other hand, if the determination result is approved to process the financial transaction corresponding to the financial transaction information data according to the condition (or policy) (355), the financial transaction processing means is a financial transaction received from the customer wireless terminal 200 Based on the approval information, a financial transaction corresponding to the financial transaction information data according to the condition (or policy) is performed by at least one financial account (or financial instrument) owned by the customer or at least one financial account (or financial instrument) of the plurality of financial instruments. Commodity), and the information transmitting means generates the financial transaction details information and transmits the generated financial transaction information to the customer wireless terminal 200 (460).

5A and 5B illustrate a preferred method of identifying and selecting a financial account (or financial instrument) meeting a condition (or policy) in accordance with one embodiment of the present invention.

In more detail, FIG. 5A illustrates a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) according to a predetermined condition (or policy) in FIG. 4. A method of selecting (425) a financial transaction target financial account (or financial product) corresponding to the financial transaction information data, the method comprising: the customer or the financial transaction information data of the customer-owned financial account (or financial product); A financial account (or financial instrument) with a lower interest rate than the customer-owned financial account (or financial instrument) for a financial transaction corresponding to the financial account (or financial instrument) selected in accordance with the condition (or policy) information. This is the case when the decision is made to substitute.

A method of determining a financial account (or financial instrument) corresponding to the condition (or policy) information from a customer-owned financial account (or financial instrument) corresponding to the financial transaction corresponding to the financial transaction information data with reference to FIG. 5A. Is the interest rate of the customer-owned financial account (or financial instrument) from the banking and / or intermediary elements of the customer-owned N (N = 1, 2, ..., N) financial account (or financial instrument). And comparing the interest rate of each of the extracted nth (1 <= n <= N) financial accounts (or financial instruments) to read the financial account (or financial instruments) with the smallest interest rate.

If the interest rate of the n-th financial account (or financial instrument) with the minimum interest rate is smaller than the interest rate of the customer-owned financial account (or financial instrument) corresponding to the financial transaction corresponding to the financial transaction information data (500), Determine an n-th financial account (or financial instrument) as a financial account (or financial instrument) selected in accordance with the condition (or policy) information that replaces and processes the financial transaction corresponding to the financial transaction information data (505), If not, it is checked and selected to process the financial transaction corresponding to the financial transaction information data as it is (510).

In addition, according to the predetermined conditions (or policies) in FIG. 3, FIG. 5B illustrates a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments. A method of performing a step 425 of selecting a financial account (or financial product) corresponding to financial transaction information data, the method comprising: a customer-owned financial account corresponding to the financial transaction corresponding to the financial transaction information data ( Or financial instruments (or financial instruments) with more returns (or balances, proceeds) than financial instruments (or financial instruments) with financial accounts (or financial instruments) that meet the above conditions (or policy) information. will be.

A method of determining a financial account (or financial instrument) corresponding to the condition (or policy) information from a customer-owned financial account (or financial instrument) corresponding to the financial transaction corresponding to the financial transaction information data with reference to FIG. 5B. Is a banking element of the customer-owned N (N = 1, 2, ..., N) financial account (or financial product) of the return (or balance, proceeds) of the customer-owned financial account (or financial instrument). And / or sequentially compares the yield (or balance, proceeds) of each nth (1 <= n <= N) financial account (or financial instrument) extracted from an intermediary to obtain the highest return (or balance, proceeds). This involves reading large financial accounts (or financial instruments).

If the return (or balance, proceeds) of the n-th financial account (or financial product) with the maximum return (or balance, proceeds) is the customer-owned financial account (or corresponding to the financial transaction corresponding to the financial transaction information data) If the yield (or balance) of the financial instrument) is greater than 515, the condition (or policy) information for processing the n-th financial account (or financial instrument) in place of the financial transaction corresponding to the financial transaction information data. The financial account (or financial product) corresponding to the control unit 520 is determined (520). Otherwise, the financial transaction corresponding to the financial transaction information data is confirmed and selected (525).

6 is a diagram illustrating a customer terminal for mobile financial transaction approval in accordance with an embodiment of the present invention.

In more detail, Figure 6 is a financial transaction approval request information including a callback UEL from the information transmission means of the server side 100 to the customer wireless terminal 200 as shown in Figure 4, the financial transaction in the customer terminal The predetermined financial transaction approval information corresponding to the approval request information is extracted from the IC chip 260 mounted or detached from the customer wireless terminal 200 to the information receiving means of the server side 100 through the callback UL. It is about the implementation method to transmit.

According to an exemplary embodiment of the present invention, after performing the process as shown in FIG. 4 in the customer wireless terminal 200, the mobile financial transaction procedure of the customer wireless terminal 200 is terminated. Based on the wireless terminal information stored in the storage medium 110 of the side 100 transmits the predetermined financial transaction approval request information from the information transmitting means to the customer wireless terminal 200, the customer wireless terminal 200 It illustrates an example of transmitting the financial transaction approval information corresponding to the financial transaction approval request information to the information receiving means of the server side (100).

According to the present invention, in a financial transaction using predetermined financial account (or payment means) information data included in an IC chip in a customer wireless terminal, a financial account optimized by the predefined predetermined condition (or policy) information. At least one financial transaction corresponding to (or a financial instrument) and / or at least one financial transaction corresponding to a financial account (or financial instrument) selected in accordance with the condition (or policy) information is advantageous.

According to the present invention, in a financial transaction using predetermined financial account (or payment means) information data included in an IC chip in a customer wireless terminal, the IC chip corresponds to the IC chip by the predefined predetermined condition (or policy) information. There is an advantage of processing at least one or more financial transactions using another financial account of the customer opened in a financial institution or the customer's financial account opened in another financial institution.

Claims (45)

Executing a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip in the customer wireless terminal; Receiving predetermined financial transaction information data using predetermined financial account (or payment means) information data included in the IC chip in a predetermined information receiving means; At least one financial account (or financial instrument) of the customer-owned plurality of financial accounts (or financial instruments) or a plurality of financial instruments according to a predetermined condition (or policy) in a predetermined financial account (or financial instrument) selection means Selecting a financial account (or financial product) that selects a financial transaction target financial account (or financial product) corresponding to the financial transaction information data; And And a financial transaction processing step of processing the financial transaction through at least one financial account (or financial product) selected through the financial account (or financial product) selection step in a predetermined financial transaction processing means. Mobile financial transaction method. The method of claim 1, After the financial transaction processing step, And notifying the financial transaction processing details to the customer wireless terminal. The method of claim 1, Before the financial transaction processing step, A financial transaction approval request step of transmitting the financial transaction approval request information from a predetermined information transmitting means to the customer wireless terminal; A financial transaction approval request information receiving step for receiving the financial transaction approval request information from the customer wireless terminal; A financial transaction approval information transmitting step of transmitting, by the customer wireless terminal, predetermined financial transaction approval information in response to the financial transaction approval request information; And And a financial transaction approval information receiving financial transaction approval information transmitted from the customer wireless terminal in a predetermined information receiving means. The method of claim 3, wherein the financial transaction approval request step, When transmitting the financial transaction approval request information to the customer wireless terminal, a mobile financial transaction method characterized in that the transmission with a predetermined callback UEL attached. According to claim 3, Financial transaction approval information transmitted by the customer wireless terminal, Mobile financial transaction method comprising the information contained in the IC chip provided in the customer wireless terminal. The method of claim 1, In a predetermined financial transaction using predetermined financial account (or payment means) information data included in the customer wireless terminal IC chip in a predetermined information storage means, the financial transaction includes a plurality of financial accounts (or financial products) owned by the customer. Or a condition (or policy) information storing step of storing predetermined condition (or policy) information set to be made through at least one financial account (or financial product) of a plurality of financial products on a predetermined storage medium. Mobile financial transaction method, characterized in that made. According to claim 1, wherein the condition (or policy) information, A mobile financial transaction method comprising the condition (or policy) information set by comparing the return of the plurality of financial accounts (or financial products) or a plurality of financial products owned by the customer. The method of claim 1, And storing the customer information and / or the customer financial account (or payment means) information in a predetermined information storage means in association with the customer wireless terminal information and storing them in a predetermined storage medium. Financial Transaction Method. The method of claim 1, And storing card information corresponding to the customer financial account (or payment means) in a predetermined storage medium in a predetermined information storage means. The method of claim 1, wherein the customer wireless terminal, A mobile financial transaction method comprising at least one of a mobile phone, a PDA, a mobile internet phone, and telematics. The method of claim 1, wherein the financial transaction, A financial transaction withdrawn through a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip; A financial transaction for investing a withdrawal amount in a predetermined investment product through a predetermined financial account (or payment means) included in the customer wireless terminal IC chip; From a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip to a plurality of financial accounts (or financial products) owned by the customer or at least one or more financial accounts (or financial products) of the plurality of financial products A mobile financial transaction method comprising at least one financial transaction in which an amount is transferred. The method of claim 1 or 11, wherein the plurality of financial accounts (or financial instruments) or the plurality of financial instruments owned by the customer are: Savings finance accounts (or deposit finance instruments) and savings finance accounts (or reserve finance instruments); trust finance accounts (or trust finance instruments); investment finance accounts (or investment finance instruments) and insurance finance accounts (or insurance finance instruments); A mobile financial transaction method comprising at least one foreign currency deposit financial account (or foreign currency deposit financial product), a foreign currency deposit financial account (or foreign currency deposit financial product), and a foreign currency insurance financial account (or foreign currency insurance financial product). . A recording medium comprising a program for executing the method of any one of claims 1 to 9. A customer wireless terminal executing a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip; Information receiving means for receiving financial transaction information data executed by the customer wireless terminal; According to a predetermined condition (or policy), a financial transaction object corresponding to the financial transaction information data is applied to the plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments. Means for selecting a financial account (or financial instrument) for selecting as a financial account (or financial instrument); And And a financial transaction processing means for processing the financial transaction through the selected at least one financial account (or financial product). The method of claim 14, wherein the customer wireless terminal, A mobile financial transaction system comprising at least one of a mobile phone, a PDA, a mobile internet phone, and telematics. The method of claim 14, After processing the financial transaction, The mobile financial transaction system further comprises information transmitting means for notifying the financial transaction processing details to the customer wireless terminal. The method of claim 14, Before processing the financial transaction, Information transmitting means for transmitting the financial transaction approval request information to the customer wireless terminal; And receiving information when the customer wireless terminal transmits predetermined financial transaction approval information in response to the financial transaction approval request information. The method of claim 17, wherein the information transmitting means, When transmitting the financial transaction approval request information to the customer wireless terminal, a mobile financial transaction system characterized in that the transmission with a predetermined callback UEL attached. The financial transaction approval information transmitted by the customer wireless terminal according to claim 17, Mobile financial transaction system comprising the information contained in the IC chip provided in the customer wireless terminal. The method of claim 14, In a predetermined financial transaction using predetermined financial account (or payment means) information data included in the customer wireless terminal IC chip, the financial transaction includes a plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products. The mobile financial transaction system further comprises information storage means for storing the predetermined condition (or policy) information set to be made through at least one or more of the financial account (or financial product) in a predetermined storage medium. The method of claim 20, wherein the condition (or policy) information, Mobile financial transaction system characterized in that it comprises a condition (or policy) information set by comparing the return of the plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products. The method of claim 14, And a data storage means for linking the customer information and / or the customer financial account (or payment means) information with the customer wireless terminal information to store in a predetermined storage medium. The method of claim 14, And a data storage means for storing card information corresponding to the customer financial account (or payment means) in a predetermined storage medium. The method according to any one of claims 14 to 23, wherein each of the means, Mobile financial transaction system, characterized in that provided in a single server, or a plurality of servers. The method of claim 14, wherein the financial transaction, A financial transaction withdrawn through a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip; A financial transaction for investing a withdrawal amount in a predetermined investment product through a predetermined financial account (or payment means) included in the customer wireless terminal IC chip; The amount of money from a predetermined financial account (or payment means) included in the customer wireless terminal IC chip to at least one financial account (or financial product) among the plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products Mobile financial transaction system characterized in that it comprises at least one financial transaction is transferred. The method of claim 14 or 25, wherein the plurality of financial accounts (or financial instruments) or the plurality of financial instruments owned by the customer, Savings finance accounts (or deposit finance instruments) and savings finance accounts (or reserve finance instruments); trust finance accounts (or trust finance instruments); investment finance accounts (or investment finance instruments) and insurance finance accounts (or insurance finance instruments); A mobile financial transaction system comprising at least one foreign currency deposit financial account (or foreign currency deposit financial instrument), a foreign currency deposit financial account (or foreign currency deposit financial instrument), and a foreign currency insurance financial account (or foreign currency insurance financial instrument). . An information receiver configured to receive predetermined financial transaction information data using predetermined financial account (or payment means) information data included in the IC chip in a customer wireless terminal; According to a predetermined condition (or policy), a financial transaction object corresponding to the financial transaction information data is applied to the plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments. A financial account (or financial instrument) selecting unit for selecting a financial account (or financial instrument); And And a financial transaction processing unit for processing the financial transaction through the selected at least one financial account (or financial product). The method of claim 27, After processing the financial transaction, The mobile financial transaction server, characterized in that further comprising an information transmission unit for notifying the financial transaction processing details to the customer wireless terminal. The method of claim 27, Before processing the financial transaction, An information transmitter for transmitting the financial transaction approval request information to the customer wireless terminal; And And an information receiver configured to receive predetermined financial transaction approval information in response to the financial transaction approval request information from the client wireless terminal. The method of claim 29, wherein the information transmission unit, When transmitting the financial transaction approval request information to the customer wireless terminal, the mobile financial transaction server, characterized in that for transmitting with a predetermined callback UEL attached. The financial transaction approval information transmitted by the customer wireless terminal according to claim 29, Mobile financial transaction server comprising the information contained in the IC chip provided in the customer wireless terminal. The method of claim 27, In a predetermined financial transaction using predetermined financial account (or payment means) information data included in the customer wireless terminal IC chip, the financial transaction includes a plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products. The mobile financial transaction server further comprises an information storage unit for storing the predetermined condition (or policy) information set to be made through at least one or more of the financial account (or financial product) in a predetermined storage medium. The method of claim 32, wherein the condition (or policy) information, A mobile financial transaction server comprising the condition (or policy) information set by comparing a plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products. The method of claim 27, And an information storage unit configured to associate the customer information and / or the customer financial account (or payment means) information with the customer wireless terminal information and store the information in a predetermined storage medium. The method of claim 27, And a data storage unit for storing card information corresponding to the customer financial account (or payment means) in a predetermined storage medium. 36. The server of claim 27, wherein the server is Mobile financial transaction server, characterized in that consisting of a single server or a plurality of servers. The method of claim 27, wherein the financial transaction, A financial transaction withdrawn through a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip; A financial transaction for investing a withdrawal amount in a predetermined investment product through a predetermined financial account (or payment means) included in the customer wireless terminal IC chip; The amount of money from a predetermined financial account (or payment means) included in the customer wireless terminal IC chip to at least one financial account (or financial product) among the plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products Mobile financial transaction server, characterized in that it comprises at least one or more financial transactions are transferred. 38. The method of claim 27 or 37, wherein the plurality of financial accounts (or financial instruments) owned by the customer or the plurality of financial instruments, Savings finance accounts (or deposit finance instruments) and savings finance accounts (or reserve finance instruments); trust finance accounts (or trust finance instruments); investment finance accounts (or investment finance instruments) and insurance finance accounts (or insurance finance instruments); A mobile financial transaction server comprising at least one foreign currency deposit financial account (or foreign currency deposit financial product), a foreign currency savings financial account (or foreign currency deposit financial product), and a foreign currency insurance financial account (or foreign currency insurance financial product). . A recording medium comprising a program for executing the server function of any one of claims 27 to 35. An IC chip having predetermined financial account (or payment means) information data; A processor which executes a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip; A transmission unit for transmitting predetermined financial transaction information data generated in response to the execution of the financial transaction to a server; And According to a predetermined condition (or policy) in the server at least one financial account (or financial instrument) of the customer or a plurality of financial accounts (or financial instruments) of the plurality of financial instruments corresponding to the financial transaction information data After selecting the financial transaction target financial account (or financial product), and transmits the financial transaction approval request information using the selected financial transaction target financial account (or financial product), receiving unit for receiving; characterized in that it comprises a; , The transmission unit, The wireless terminal with a mobile financial transaction function, characterized in that for transmitting the predetermined financial transaction approval information in response to the financial transaction approval request information. The method of claim 40, wherein the receiving unit, After the financial transaction processing, if the server notifies the financial transaction processing history, the wireless terminal with a mobile financial transaction function, characterized in that for receiving it. The method of claim 41, wherein the financial transaction approval information, Wireless terminal equipped with a mobile financial transaction function, characterized in that it comprises the information contained in the IC chip. The method of claim 40, wherein the financial transaction, A financial transaction withdrawn through a predetermined financial account (or payment means) provided in the customer wireless terminal IC chip; A financial transaction for investing a withdrawal amount in a predetermined investment product through a predetermined financial account (or payment means) included in the customer wireless terminal IC chip; The amount of money from a predetermined financial account (or payment means) included in the customer wireless terminal IC chip to at least one financial account (or financial product) among the plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products Wireless terminal with a mobile financial transaction function, characterized in that it comprises at least one or more financial transactions are transferred. The method of claim 40, wherein the wireless terminal, A wireless terminal comprising at least one of a mobile phone, a PDA, a portable internet phone, and telematics. A recording medium comprising a program for executing the wireless terminal function according to any one of claims 40 to 41.

Images