KR20070075010A - Method and mobile telecommunication terminal for providing mobile transaction service extracting financial information from short message service - Google Patents

Abstract

A method for supplying a mobile financial service by extracting financial information from an SMS(Short Message Service) message and a mobile communication terminal are provided to automatically extract information on the other user from an SMS message sent by the other user so as to use the extracted information for a mobile financial service, thus a user does not have to input the information by inconveniently operating a key input unit. A key input unit(100) has a special key for driving a card manager application interworking with a smart card which conducts financial transactions. A display(102) displays an operated state of a terminal, and displays a mobile financial service interworking with the smart card. A program storage(104) is mounted with a real-time OS(Operating System), terminal call processing software, and the card manager application. A mode state storage(106) stores the current operation mode of the terminal as a state flag. A microprocessor(116) controls a process of providing the mobile financial service by driving the card manager application. A smart card mounting unit(114) is mounted with the smart card which stores user information necessary for providing the mobile financial service.

Description

Method and Mobile Telecommunication Terminal for Providing Mobile Transaction Service Extracting Financial Information from Short Message Service}

1 is a diagram schematically illustrating a mobile communication terminal providing a mobile financial service by extracting financial information from an SMS according to a preferred embodiment of the present invention;

2 is a diagram illustrating a WIPI platform structure applied to a mobile communication terminal providing a mobile financial service by extracting financial information from an SMS according to a preferred embodiment of the present invention;

3 is a flowchart illustrating a process of providing financial services by extracting financial information from an SMS according to an exemplary embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100: key input unit 102: display unit

104: program storage unit 106: mode state storage unit

108: camera unit 110: camera module

112: camera control processor 114: smart card mounting unit

116: microprocessor 118: digital signal processing unit

120: baseband converter 122: RF signal processing unit

124: antenna 126: speaker

128: microphone 200: application manager

202: card manager application 204: mobile standard platform

206: basic API 208: HAL

210: OEM software 212: hardware resources of the mobile communication terminal

The present invention relates to a method and a mobile communication terminal for providing a mobile financial service by extracting financial information from a short text message. More specifically, financial information is extracted from the SMS (Short Message Service, called 'SMS') transmitted from the mobile terminal of the counterpart user, and the financial transaction including the remittance, account transfer, payment, etc. using the extracted financial information. The present invention relates to a method for providing a mobile financial service by extracting financial information from a short text message and to a mobile communication terminal.

Information and communication technology represented by the Internet and mobile communication is changing the life patterns of modern people. Nearly all homes, schools and offices use Internet-enabled personal computers, allowing them to learn information through Web sites, purchase goods through e-commerce, and exchange news via e-mail. Just a few years ago, people could only use voice communication-oriented mobile services using mobile terminals. Recently, however, a wireless internet service that can receive data communication service using the internet has appeared in a mobile communication terminal.

With the advent of wireless Internet services, mobile subscribers include mobile financial services, content providing services, and e-government services, as well as voice calling services that allow mobile subscribers to talk freely regardless of time and place. Various additional services are available. Here, the mobile financial service refers to a wireless Internet service that performs a financial transaction including a wire transfer, a wire transfer, a payment, etc. using a mobile communication terminal, and the content providing service includes digital content including an MP3 file, a video file, and the like. This refers to a wireless Internet service that is downloaded and played on a mobile communication terminal. In addition, the e-government service refers to a wireless Internet service that can be issued a variety of civil complaints, such as resident registration, copy of family register, etc. without visiting the office.

Among these various additional services, mobile financial services are in the spotlight. In order to use a mobile financial service in a mobile communication terminal, a smart card in the form of an IC (Integrated Chip) issued by a financial institution generally needs to be loaded with an application linked thereto. Briefly, a process of using a mobile financial service using a mobile communication terminal is as follows.

The user operates a key input unit provided in the mobile communication terminal to drive an application for providing a mobile financial service. The driven application uses the user information stored in the smart card to interwork with the server of the financial institution, and loads the user interface for providing the mobile financial service to the mobile communication terminal. In this case, the user selects a financial transaction including money transfer, bank transfer, payment, etc. in the user interface loaded on the mobile terminal, and inputs various information such as account number, financial institution name, and amount of money of the other user to use the mobile financial service. Done. As described above, according to the conventional mobile financial service, a user may make an error in the input process because the user needs to input and input various information such as the account number, the financial institution name, the remittance amount, and the like of the counterpart user. There is a disadvantage.

In order to solve the above problems, the present invention is to extract the financial information from the SMS transmitted from the mobile terminal of the counterpart user, and to perform a financial transaction including the transfer, account transfer, payment, etc. using the extracted financial information The purpose of the present invention is to provide a method and a mobile communication terminal for providing a mobile financial service by extracting financial information from a short text message.

Therefore, according to the first object of the present invention, by using the SMS (Short Message Service, 'SMS') transmitted from the counterpart user to extract the financial information from the SMS to perform a financial transaction through the wireless Internet service A mobile communication terminal for providing a mobile financial service, comprising: a number key for inputting a telephone number, a button for inputting a character, and a special key for driving a card manager application linked with a smart card for performing the financial transaction; A key input unit; A display unit configured to display an operation state of the mobile communication terminal, including a state of use of power, a reception intensity of radio waves, a date and time, and to display the mobile financial service provision in association with the smart card; A program storage unit equipped with a real time operating system, a mobile communication terminal call processing S / W, and the card manager application; A mode state storage unit which stores a current operation mode of the mobile communication terminal selected by the key input unit as a state flag; A microprocessor unit which controls overall processes for smoothly transmitting and receiving voice and data transmission and reception in the mobile communication terminal and controlling the process of providing the mobile financial service by driving the card manager application; And a smart card mounting unit configured to include a memory and an arithmetic unit in the form of an integrated chip, and having the smart card storing user information necessary to provide the mobile financial service. Provides a mobile communication terminal that provides mobile financial services by extracting financial information from the SMS.

In addition, according to the second object of the present invention, by using the SMS (Short Message Service, called 'SMS') transmitted from the counterpart user to extract the financial information from the SMS to perform a financial transaction through a wireless Internet service A method for providing a mobile financial service, the method comprising: (a) a mobile communication terminal monitoring whether the SMS is transmitted from the counterpart user; (b) when the SMS is transmitted, reading whether the SMS includes financial information used for the mobile financial service; (c) extracting the financial information from the SMS; And (d) providing the mobile financial service for performing the financial transaction using the financial information. The method provides a mobile financial service by extracting financial information from an SMS.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is a diagram schematically illustrating a mobile communication terminal providing a mobile financial service by extracting financial information from an SMS according to a preferred embodiment of the present invention.

An internal configuration of a mobile communication terminal for providing a mobile financial service by extracting financial information from an SMS according to a preferred embodiment of the present invention includes a key input unit 100, a display unit 102, a program storage unit 104, and a mode state storage. The unit 106, the camera unit 108, the smart card mounting unit 114, the microprocessor 116, the digital signal processing unit 118, the baseband conversion unit 120, the RF signal processing unit 122, and the antenna 124 , Speaker 126, microphone 128, and the like.

Brief description of the main features of the present invention. The mobile terminal reads whether the SMS transmitted from the mobile terminal of the counterpart user includes various information related to the mobile financial service (for example, account number, financial institution name, remittance amount, etc.), and reads the SMS. In the case of including a variety of information associated with the mobile financial services, there is a main feature to extract the above-mentioned various information to use in the mobile financial services. Here, various types of information including an account number, a financial institution name, a remittance amount, and the like included in the SMS transmitted from the mobile communication terminal of the counterpart user are collectively defined as 'financial information'. In short, in the present invention, the user can use the mobile financial service without manually inputting the financial information by simply receiving the SMS including the financial information from the counterpart user. In the following process, it is determined whether the financial information is included in the contents of the SMS transmitted from the mobile terminal of the counterpart user, the financial information included in the SMS is extracted, and the extracted financial information is used for the mobile financial service. Define an application as a "card manager application."

A mobile communication terminal according to a preferred embodiment of the present invention is a PDA (Personal Digital Assistant), cellular phone, PCS (Personal Communication Service) phone, GSM (Global System for Mobile) phone, W-CDMA (Wideband CDMA) phone, CDMA- 2000 phones, Mobile Broadband System (MBS) phones, and the like. Here, MBS phone refers to a mobile phone to be used in the fourth generation system currently being discussed.

The key input unit 100 is a card manager application that allows the use of mobile financial services in conjunction with a smart card mounted on the smart card mounting unit 114 and buttons for text input, including numeric keys for entering numbers, such as a phone number And a special key to drive the camera unit 108 to photograph the subject. In the present invention, the user manipulates the key input unit 100 provided in the mobile communication terminal to drive the card manager application mounted in the program storage unit 104 to use the mobile financial service. In addition, when the user runs the card manager application using the mobile communication terminal, the card manager application reads whether or not the financial information is included in the contents of the SMS transmitted from the counterpart user, and extracts the financial information included in the SMS. The extracted financial information is used for the mobile financial service.

The display unit 102 displays an operation state of the mobile communication terminal, including a power supply use state, a radio wave reception intensity, a date and time, and a mobile financial service provider interworking with a smart card.

The program storage unit 104 includes an electrically erasable programmable read only memory (EEPROM), a flash memory, a random access memory (RAM), and the like. The flash memory stores a real time operating system, a mobile terminal call processing software, an application manager, a card manager application, and the like, and these software are loaded and driven into RAM.

Here, the card manager application is developed / provided as a wireless Internet platform for interoperability (WIPI) or a BREW application of Qualcomm, and refers to software for providing a mobile financial service in conjunction with a smart card mounted on the smart card mounting unit 114. In addition, the card manager application reads whether the financial information is included in the contents of the SMS transmitted from the counterpart user, extracts the financial information from the SMS, and provides the mobile financial service using the extracted financial information. Provided including.

The mode state storage unit 106 stores the current operation mode of the mobile communication terminal selected by the key input unit 100 as a state flag (eg, 0, 1, 2, ...). That is, the microprocessor 116 assigns a unique status flag to each mode to distinguish a standby mode, an outgoing mode, a search mode, a call mode, a general incoming mode, and a mobile financial service use mode of the mobile communication terminal. The state storage unit 106 is updated.

The camera unit 108 refers to an apparatus for generating image data including a still image and / or a moving image by photographing a subject. The camera control processor 112 controls the operation of the camera module 110 and the camera module 110. ). The camera module 110 includes an image pickup device of a Charge Coupled Device (CCD) or Complementary Metal Oxide Semiconductor (CMOS) type, and the Camera Control Processor 112 is a central processing unit. The overall operation of the controller 110 is controlled, for example, a zoom function, a flash function, a still image shooting, and a video shooting.

The smart card mounting unit 114 is equipped with a smart card that provides a mobile financial service using a wireless Internet service. The smart card is configured to include a memory, a computing device, etc. in the form of an IC, and stores various types of user information (eg, a public certificate) required for using a mobile financial service.

The microprocessor 116 controls the overall operation of voice transmission / reception and data transmission / reception in the mobile communication terminal. In addition, the microprocessor 116 controls the process of extracting the financial information from the SMS transmitted from the mobile communication terminal of the counterpart user to use the mobile financial service in the process of providing the mobile financial service by running the card manager application.

The digital signal processor 118 functions as an equalizer for coding or decoding an audio signal and removing multipath noise, and processes audio data and video data downloaded in the process of using the wireless Internet. A digital signal processing processor that performs a decoding function. In addition, the digital signal processor 118 exchanges speech data with the baseband converter 120 and receives digital data RX DATA from the baseband converter 120.

The baseband converter 120 converts a signal transmitted / received between the digital signal processor 118, the RF signal processor 122, the speaker 126, and the microphone 128 into a baseband band signal, and converts the digital analog signal into a digital analog signal. Performs functions such as digital to analog conversion and analog to digital conversion. The baseband converter 120 transmits the transmission data TXIQ to the RF signal processor 122, and controls the power of the RF signal processor 122 or automatically controls the gain thereof. The RF signal processor 122 receives the received signal RFIQ.

The RF signal processor 122 demodulates and amplifies an RF signal received from the antenna 124, modulates a transmission signal applied from the baseband converter 120, and transmits the modulated signal to the propagation space. The speaker 126 outputs sound data transmitted from the baseband converter 120 as an audible sound, and the microphone 128 converts a user's voice input into an electrical signal.

2 is a diagram illustrating a WIPI platform structure applied to a mobile communication terminal providing a mobile financial service by extracting financial information from an SMS according to a preferred embodiment of the present invention.

According to the preferred embodiment of the present invention, the WIPI platform structure applied to a mobile communication terminal which extracts financial information from an SMS and provides a mobile financial service includes an application manager 200, a card manager application 202, and a mobile standard platform 204. , OEM software 210, and hardware resources 212 of the mobile communication terminal.

The application manager 200 may download the card manager application 202, which is software required to use the mobile financial service, from the content providing server that provides the mobile financial service, and install the downloaded card manager application 202. It refers to software that performs a function such as deleting the old card manager application 202. When the application manager 200 needs to update the API and other components constituting the card manager application 202, the application manager 200 performs functions such as adding and updating the necessary software module.

The card manager application 202 controls the smart card included in the hardware resource 212 of the mobile communication terminal, and extracts user information stored in the smart card to interoperate with a content providing server that provides a mobile financial service, a counterpart user. Software that includes reading financial information in SMS contents sent from SMS, extracting financial information included in SMS, and providing mobile financial services using the extracted financial information. Means. The card manager application 202 monitors the SMS transmitted to the mobile communication terminal, and if the user wants to conduct a financial transaction using a mobile financial service, that is, when the card manager application 202 is driven, Read whether the financial information is included in the content of the transmitted SMS, and controls the process of extracting the financial information from the SMS to transmit to the content providing server that provides the mobile financial services.

The mobile standard platform 204 includes a basic API 206, a HAL 208, and the like. The mobile standard platform 204 monitors the usage of hardware resources 212 of the mobile communication terminal and executes the card manager application 202. It refers to software that controls the use of the hardware resources 212 of the terminal and supports the card manager application 202 to run and use the mobile financial service regardless of the type of real-time processing operating system installed in the mobile communication terminal.

The basic API 206 refers to software used to communicate with system software such as a real time processing operating system or a database management system while the card manager application 202 is running according to an embodiment of the present invention. The base API 206 is implemented to call a function that provides a connection to a particular subroutine of a real-time processing operating system mounted on the mobile terminal for execution of the application manager 200 and the card manager application 202.

HAL (Handset Adaptation Layer) 208 refers to a software that supports the specifications of the platform for the terminal manufacturer, and interface between the hardware resources 212 of the mobile communication terminal and the real-time processing operating system. That is, the HAL 208 provides an environment in which the application manager 200 and the card manager application 202 can run in a mobile communication terminal having a different hardware configuration for each manufacturer.

The OEM software 210 performs basic voice call processing functions, lower layer data communication functions, text message transmission and reception functions, and mobile terminal management functions, and has control authority over the application 200 and the card manager application 202. Is passed from the mobile standard platform 204 to control the mobile financial services. In this case, the OEM software 210 is ported with SVD, which is a CDMA Rel.A standard, in order to implement the application manager 200 and the card manager application 202 to operate smoothly in a mobile communication terminal.

The hardware resource 212 of the mobile communication terminal is a smart card mounted in the key input unit 100, the display unit 102, the program storage unit 104, the microprocessor 114, and the smart card mounting unit 114 of the mobile communication terminal. Means a set of electronic / mechanical devices such as. Here, the smart card performs authentication using user information in the process of interworking with the content providing server that provides the mobile financial service, and the card manager application 202 in association with the content providing server that provides the mobile financial service. Perform a financial transaction using the financial information extracted from the SMS transmitted from the mobile communication terminal of the counterpart user.

3 is a flowchart illustrating a process of providing financial services by extracting financial information from an SMS according to an exemplary embodiment of the present invention.

The mobile communication terminal monitors whether an SMS is transmitted from the mobile communication terminal of the counterpart user (S300). When a user wants to use a mobile financial service provided through a wireless Internet service to perform a financial transaction with the counterpart user, the user operates a key input unit provided in the mobile communication terminal to drive the mounted card manager application 202. (S302).

After step S302, the card manager application 202 reads whether or not the financial information is included in the SMS sent from the counterpart user (S304). If it is read in step S304 that the SMS includes financial information, the card manager application 202 extracts the financial information from the SMS (S306), and uses the extracted financial information to provide a content providing server for providing a mobile financial service. By transmitting, the user can smoothly use the mobile financial service without inputting financial information manually (S308).

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, in the SMS transmitted from the counterpart user in the process of using the mobile financial service by the user, the mobile communication terminal is configured to provide various information such as account number, financial institution name, and remittance amount of the counterpart user. Is automatically extracted and used for the mobile financial service, the user enters a variety of information such as account number, financial institution name, remittance amount, etc. of the counterpart user in the process of using the mobile financial service by operating a key input unit provided in the mobile communication terminal. There is no need to do.

Claims (9)

In a mobile communication terminal that provides a mobile financial service by extracting financial information from the SMS to perform a financial transaction through a wireless Internet service using SMS (Short Message Service, called 'SMS') transmitted from the other user , A key input unit including a number key for inputting a telephone number, a button for inputting characters, and a special key for driving a card manager application linked to a smart card performing the financial transaction; A display unit configured to display an operation state of the mobile communication terminal, including a state of use of power, a reception intensity of radio waves, a date and time, and to display the mobile financial service provision in association with the smart card; A program storage unit equipped with a real time operating system, a mobile communication terminal call processing S / W, and the card manager application; A mode state storage unit which stores a current operation mode of the mobile communication terminal selected by the key input unit as a state flag; A microprocessor unit which controls overall processes for smoothly transmitting and receiving voice and data transmission and reception in the mobile communication terminal and controlling the process of providing the mobile financial service by driving the card manager application; And A smart card mounting unit configured to include a memory and a computing device in the form of an integrated chip (IC), and having the smart card storing user information necessary to provide the mobile financial service. Mobile communication terminal for providing a mobile financial services by extracting financial information from the SMS comprising a. The method of claim 1, The card manager application is a software that is developed / provided as a wireless Internet platform for interoperability (WIPI) or a BREW application of Qualcomm, and provides the mobile financial service in conjunction with the smart card mounted on the smart card mounting unit. Providing the mobile financial service using the function of reading whether the financial information is included in the contents of the SMS transmitted from the SMS, extracting the financial information from the SMS, and using the extracted financial information. A mobile communication terminal for providing a mobile financial service by extracting financial information from the SMS, characterized in that. The method of claim 2, The financial information is a mobile communication terminal for providing a mobile financial service by extracting financial information from the SMS, characterized in that the information related to the financial transaction, including the account number, the name of the financial institution, the remittance amount. The method of claim 1, When the mobile communication terminal receives the SMS including the financial information from the counterpart user without a manual input of the financial information for the counterpart user who wants to attempt the financial transaction by the user, the SMS includes the financial information. A mobile communication terminal providing a mobile financial service by extracting financial information from the SMS, characterized in that the automatic extraction to use for the mobile financial service. The method of claim 1, The mobile communication terminal extracts the financial information from the SMS using the financial information contained in the SMS transmitted from the counterpart user, and extracts the financial information from the SMS. Mobile communication terminal providing a. The method of claim 1, The mobile terminal includes a personal digital assistant (PDA), a cellular phone, a personal communication service (PCS) phone, a global system for mobile (GSM) phone, a wideband CDMA (W-CDMA) phone, a CDMA-2000 phone, and a mobile broadband (MBS). System) A mobile communication terminal for providing a mobile financial service by extracting financial information from the SMS, characterized in that it comprises a phone. In the method for providing a mobile financial service by extracting financial information from the SMS to perform a financial transaction through a wireless Internet service using a short message service (SMS) transmitted from the counterpart user, (a) the mobile communication terminal monitoring whether the SMS is transmitted from the counterpart user; (b) when the SMS is transmitted, reading whether the SMS includes financial information used for the mobile financial service; (c) extracting the financial information from the SMS; And (d) providing the mobile financial service for performing the financial transaction using the financial information; Method for providing a mobile financial service by extracting financial information from the SMS comprising a. 8. The method of claim 7, wherein step (c) (c1) reading, by the mobile terminal, whether the financial information including an account number, a financial institution name, and a remittance amount for the counterpart user exists in the SMS; And (c2) extracting the financial information Method for providing a mobile financial service by extracting financial information from the SMS comprising a. 8. The method of claim 7, wherein step (d) (d1) extracting financial information from the SMS, comprising performing the financial transaction including money transfer, bank transfer, and settlement with the counterpart user using the financial information extracted in step (c); How to provide mobile financial services.

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