KR20090007649A - Recording medium - Google Patents

Abstract

A recording medium for storing an electronic information management program is provided to prevent leakage and stealth of financial transaction by performing the financial transaction in a mobile terminal with an electronic bankbook included in a financial IC chip. A processor(125) processes deposit/withdrawal or transfer of a value stored in an electronic bankbook included in a mobile terminal IC chip. A storing unit(120) stores deposit/withdrawal or transfer detail information of the value stored in the electronic bankbook to the IC chip or a memory unit. A transmitter(115) recharges a prepaid card by using the value stored in the electronic bankbook. A balancing processor(110) balances the deposit/withdrawal detail information stored in the IC chip or the memory unit with the deposit/withdrawal detail information stored in an original account of a financial server corresponding to the electronic bankbook through a communication unit installed in a mobile terminal.

Description

Recording medium {Recording Medium}

1 is a diagram illustrating an internal configuration of a wireless terminal for storing financial transaction processing and financial transaction history information using an electronic bank account provided in a financial IC chip according to a preferred embodiment of the present invention.

Fig. 2 is a preferred structural diagram of the internal construction of the financial IC chip according to the preferred embodiment of the present invention.

Figure 3 is a preferred embodiment of the financial transaction history information according to a preferred embodiment of the present invention.

Figure 4 is a preferred flow diagram for the process of charging with a prepaid card the stored value stored in the electronic passbook in accordance with a preferred embodiment of the present invention.

Figure 5 is a preferred flow diagram for the process of charging with a prepaid card the stored value stored in the electronic bank account in a shadow account method in accordance with a preferred embodiment of the present invention.

Figure 6 is a preferred flow diagram for the process of post-balancing the electronic bank account and bank account in accordance with a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: control unit

110: balancing processing unit 115: transmission unit

120: storage unit 125: processing unit

130: screen output unit 135: key input unit

140: voice processing unit 145: wireless processing unit

150: short-range communication unit 155: IC chip interface

160: memory unit 165: battery

170: financial IC chip

The present invention provides a function of processing deposit and withdrawal or transfer of stored value stored in an electronic bankbook provided in an integrated circuit (IC) chip of a mobile phone, and deposit and withdrawal of stored value stored in the electronic bankbook. A recording medium for recording an electronic information management program for realizing a function of storing transfer history information in an IC chip or a memory unit.

IC chips that meet international standard IC chip specifications, such as ISO / IEC 7816 and / or ISO / IEC 1443, for wireless devices (eg, Subscriber Identity Module (SIM), Universal Identification Module (UIM), Universal Subscriber Identity Module) Chip), etc., and the IC chip as described above is a credit card, debit card, check card, and prepaid card of EMV (Europay, Master, VISA) standard. A financial IC chip including a financial IC card standard such as a card, an electronic wallet, a financial common network, and the like is provided. Various payment systems and methods using the financial IC chip have been proposed.

A general payment system and method using a financial IC chip mounted on or detached from a wireless terminal as described above uses a wireless communication network, for example, a portable IC chip having a function of connecting a wireless terminal to a server through a wireless communication network. Means used as a means for performing a card terminal device, or means for providing payment information included in a financial IC chip to a card terminal device provided at an affiliated store (e.g., infrared data communication of the Infrared Data Association (IrDA)). Infrared Finance Messaging (IrFM)).

Meanwhile, according to the EMV standard, the financial IC chip can perform an offline payment, which omits a black list inquiry or an authorization number processing procedure, which is based on the conventional payment system using the financial IC chip provided in the wireless terminal. In this case, it is impossible to utilize the features and / or advantages of the EMV standard as described above, and unnecessary communication costs (for example, when using a wireless terminal as a portable card terminal device, a wireless Internet communication fee or a wireless terminal as payment information providing means. Spending a fee for use (VAN fee, etc.), and also delays payment during the communication time.

An object of the present invention to solve the above problems is a function of processing the deposit and withdrawal or transfer of the stored value stored in the Electronic Bankbook (Electronic Bankbook) provided in the integrated circuit (IC) chip of the mobile phone and the Electronic Bankbook The present invention provides a recording medium for recording an electronic information management program for realizing the function of storing the deposit and withdrawal or transfer history information of the stored value stored in the IC chip or the memory unit.

The recording medium according to the present invention has a function of processing deposit and withdrawal or transfer of a storage value stored in an electronic bankbook included in a mobile phone IC (Integrated Circuit) chip and stored in the electronic bankbook. And an electronic information management program for realizing the function of storing the deposit and withdrawal or transfer history information of the stored value in the IC chip or the memory unit.

According to the present invention, the recording medium has an electronic information management program for further realizing a function of value filling a prepaid card using a stored value stored in the electronic bankbook. Characterized in that recorded.

According to the present invention, the recording medium is provided in a financial server corresponding to the deposit and withdrawal or transfer history information and the electronic bankbook stored in the IC chip or the memory unit through the communication means provided in the mobile phone. And an electronic information management program for further realizing the function of performing after-balancing of the deposit and withdrawal or transfer history information of the original account.

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.

1 is a diagram illustrating an internal configuration of a wireless terminal 100 that stores financial transaction processing and financial transaction history information using an electronic bank account provided in the financial IC chip 170 according to a preferred embodiment of the present invention.

Referring to FIG. 1, the wireless terminal 100 basically includes a control unit 105, a screen output unit 130, a key input unit 135, a wireless processing unit 145, a voice processing unit 140, and a near field communication unit 150. The financial IC chip 170 includes an IC chip interface 155, a memory unit 160, and a battery 165 for supplying power, and is mounted or detached from the wireless terminal 100 and provided with a predetermined electronic passbook. ) Is provided.

The control unit 105 is composed of a processor, an execution memory, and a bus (BUS), and is executed from a storage memory to perform a function specific to the wireless terminal 100 after the wireless terminal 100 is booted and / or booted. As a routine (Routine) loaded into a memory and calculated by a processor, or a SMD (Surface Mounted Device) in the form of a chipset on a printed circuit board (PCB) provided in the wireless terminal 100, the wireless terminal 100 A generic term for any chipset routine computed provided to the execution memory and processor via a bus to perform specific functions, the operating system being loaded from the storage memory to the execution memory to perform functions specific to the wireless terminal 100. (Operating System (OS)) and a System Program (System Program) for terminal control management and an Agent Program (Agent Program) for performing a predetermined function, or On the PCB inside the line terminal 100, a System Management Module and an Agent Operation Module, which are provided in the form of a chipset, for a mathematical operation (for example, a codec operation or an encryption operation) It includes a coprocessor.

In the wireless terminal 100, the control unit 105 performs a function unique to the known wireless terminal 100, or a predetermined function provided in the wireless terminal 100 for a specific purpose, and performs the overall operation thereof. It is characterized by control and management box. That is, all functions and / or tasks performed through the wireless terminal 100 are performed through the controller 105, and in the process, the controller 105 performs at least one or more functions provided in the wireless terminal 100. And a control and management function for a unit (eg, a screen output unit, a key input unit, a wireless processing unit, and / or a voice processing unit, etc.), and a predetermined job using the function performing unit.

Referring to Figure 1 according to a preferred embodiment of the present invention, the control unit 105 to store the financial transaction processing and financial transaction history information using the electronic account provided in the financial IC chip 170 proposed by the present invention A processing unit 125 for processing a predetermined financial transaction including deposit, withdrawal, and / or transfer of stored value stored in an electronic bankbook provided in the financial IC chip 170 in a shadow account method, and the processing Storage unit for storing the financial transaction history information including the deposit, withdrawal and / or transfer history information of the stored value stored in the electronic account processed by the unit 125 in the IC chip 170 or the memory unit 160 Characterized in that 120 is provided.

According to a preferred embodiment of the present invention, the processing unit 125 and the storage unit 120 performing the above functions are the components provided in the wireless terminal 100, or a part of the components, or the components provided in advance. It is preferably provided as a module added to the.

According to another exemplary embodiment of the present invention, the processing unit 125 and the storage unit 120 process the receipt, withdrawal and / or transfer of the stored value stored in the electronic bankbook provided in the financial IC chip 170. And a form of an agent program for a wireless terminal for realizing the function of storing the deposit / withdrawal and / or transfer history information of the stored value stored in the electronic account in the IC chip 170 or the memory unit 160. As an electronic information management program.

In addition, the processing unit 125 charges the stored value stored in the electronic passbook provided in the financial IC chip 170 with a prepaid card in order to process the financial transaction of the preferred shadow account method proposed by the present invention. Or / or a module added to a component, or a part of the component, or a component provided in the wireless terminal 100 to perform a function of transferring a value to a debit card, or as described above. It is provided as an electronic information management program in the form of an agent program for a wireless terminal for realizing value charging and / or value transfer functions.

In addition, referring to FIG. 1 according to a preferred embodiment of the present invention, in the control unit 105, the processing unit 125 is stored in an electronic bank account provided in the financial IC chip 170 in a shadow account manner. In the case of processing a predetermined financial transaction including deposit, withdrawal and / or transfer of value, the bank account associated with the electronic bank account with financial transaction details including the deposit, withdrawal and / or transfer details of the stored value. Transmitting unit 115 for transmitting to the financial server equipped with the financial transaction details information processed in the shadow account method in the wireless terminal 100 is further provided.

In addition, referring to FIG. 1 according to a preferred embodiment of the present invention, the control unit 105 processes the financial transaction for the electronic bank account in a shadow account method, and the financial transaction history information is an IC chip 170. Or, when stored in the memory unit 160, the financial transaction history information including the deposit, withdrawal and / or transfer history information stored in the IC chip 170 or the memory unit 160 through at least one communication means. The deposit / withdrawal and / or transfer history information and the transfer / receipt of the original account processed by the wireless terminal 100 by the shadow account method are transmitted to the financial server equipped with the bank account associated with the electronic bank account. Balancing processing unit 110 for performing post-balancing of the withdrawal and / or transfer history information is characterized in that it is further provided.

According to a preferred embodiment of the present invention, the transmission unit 115 and / or balancing processing unit 110 performing the above function is provided with a component, or a part of, or a component provided in the wireless terminal 100 It is preferred to be provided as a module added to the component.

According to another exemplary embodiment of the present invention, the transmission unit 115 transfers the deposit, withdrawal and / or transfer history information stored in the IC chip 170 or the memory unit 160 to the financial server corresponding to the electronic bank account. In an embodiment, the balancing processing unit 110 may transmit / receive and / or transfer history information stored in the IC chip 170 or the memory unit 160 and at least one electronic account through at least one communication means. (Electronic Bankbook) provided as an electronic information management program in the form of an agent program for a wireless terminal for realizing the function of performing post-balancing of the deposit, withdrawal and / or transfer history information of the original account provided in the corresponding financial server. do.

The screen output unit 130 receives at least one or more key data generated by the key input unit 135 and / or various information and signals generated and / or generated during a control process of the control unit 105. It is characterized in that it serves to output to the screen (for example, LCD (Liquid Crystal Display)) provided in.

The key input unit 135 includes a plurality of number keys, a character key for inputting a character, and at least one function key, and the like. When a key is pressed, corresponding key data are generated and provided to the controller 105.

The radio processor 145 may process radio frequency signals transmitted and received in a radio communication section between the radio terminal 100 and a base station on a mobile communication network through radio frequency (RF).

As described above, the radio frequency signal transmitted and received through the radio communication section between the radio processor 145 and the base station may include a voice channel and a data channel. In the case of the voice channel, the radio between the radio processor 145 and the base station The radio frequency signal transmitted and received through the communication section is a voice call is made through a wired communication section consisting of a control station connected to at least one or more base stations, an exchange station connecting at least one or more control stations, and also in the case of a data channel The radio frequency signal transmitted and received through the radio communication section between the radio processor 145 and the base station includes a control station connected to at least one base station, an exchange station connecting at least one control station, and a signal reaching the exchange station. Extracts data signals from and routes them to a packet-based network The communication device on the network and the wireless terminal 100 through a wired communication section consisting of a network interlocking device (eg, an InterWorking Function (IWF)) and a communication device and / or a server on a network connected to the gateway through a packet-based network. And / or a communication session with a server or the like.

The voice processor 140 encodes a voice signal input from the microphone and transmits the encoded audio signal to the wireless processor 145 through the controller 105, and decodes a signal received through the wireless processor 145. And a function of outputting as a voice signal to the speaker via 105. In particular, the voice signal input and output through the voice processor 140 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 145.

The local area communication unit 150 may include at least one local area communication means (eg, infrared ray communication, radio frequency (RF) communication, Bluetooth, Bluetooth, wireless LAN, Wi-Fi, etc.). It provides a short range communication with a short range communication device (for example, a payment terminal device having a short range communication means). For example, the short range communication unit 150 provides infrared communication for wireless payment with a payment terminal equipped with an infrared communication means through IrFM of IrDA.

The memory unit 160 may include a predetermined program code for controlling the overall operation of the wireless terminal 100, a space in which information and / or data input and / or output when an operation by the program code is performed, and And / or a generic term for a storage area, typically wireless in the form of read-only memory such as read only memory (ROM) and read / write memory such as electrically erasable and programmable read only memory (EEPROM) or flash memory (FM). Characterized in that the terminal 100 is provided.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the memory unit 160 includes deposits, withdrawals and / or transfers of stored values stored in an electronic bankbook provided in the financial IC chip 170. After the predetermined financial transaction is processed, the financial transaction history information including the deposit, withdrawal and / or transfer history information is stored.

Referring to FIG. 1 according to a preferred embodiment of the present invention, in the memory unit 160, the processing unit 125 automatically processes a financial transaction (for example, charging a stored value stored in an electronic account with a prepaid card). It is preferable that the electronic bank account operating policy required to be stored in the electronic bank account operating policy required for processing the post-balancing process as described above and / or the balance processing unit 110 is stored.

The IC chip interface 155 may include the processing unit 125 and / or the storage unit 120 and the financial IC provided in the wireless terminal 100 through IC chip standards including ISO / IEC 7816 and / or ISO / IEC 14443. It provides information and / or data exchange between chips. For example, the IC chip interface 155 provides information and / or data exchange between the IC chip agent program and the financial IC chip 170 via an Application Protocol Data Unit (APDU).

Referring to the IC chip standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443, etc., the financial IC chip mounted or detached from the wireless terminal (170) includes a power supply (VCC) and a reset signal (RST). Input / output interface and CPU (Central Process Unit) to communicate with the card terminal device through contact points such as clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O), etc. And a processor unit including at least one computing element including a micro process unit (MPU) and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and EEPROM. The memory unit includes at least one memory device including a programmable read only memory (FM), a flash memory (FM), and the like. In particular, at least one of the memory devices includes a chip operating system (C) for managing and operating internal resources of a smart card. hip operating system (COS), and at least one IC chip storage information for providing a service using a smart card in at least one of the remaining memory devices.

The IC chip storage information included in the memory unit on the financial IC chip 170 may include a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program, and / or the card terminal program. A data processing unit for storing and driving a program module (eg, JAVA Applet) and the like that can be used by the same is provided. In particular, the program processing unit includes a card configuration (eg, a COS or a virtual machine of an open smart card ( Part of the virtual machine, or interworking with the card configuration.

Referring to Figure 1 according to a preferred embodiment of the present invention, the data storage of the financial IC chip 170, the deposit and withdrawal of the stored value stored in the electronic bankbook provided in the financial IC chip 170 and / Alternatively, after a predetermined financial transaction including a transfer is processed, the financial transaction history information including the deposit, withdrawal and / or transfer history information may be stored.

2 is a diagram showing a preferred configuration of the internal structure of the financial IC chip 170 in accordance with a preferred embodiment of the present invention.

Referring to Figure 2 in accordance with a preferred embodiment of the present invention, the financial IC chip 170 is basically provided with an electronic bankbook application 210 to perform the function of the electronic bankbook provided on the IC chip 170, In addition, the debit card application 200 and / or the prepaid card payment means corresponding to the debit card payment means in which the stored value stored in the electronic bank account is transferred and / or charged are provided. .

As described above, the card applications provided in the financial IC chip 170 may be transferred to the processing unit 125 and / or the storage unit 120 and the ISO / IEC 7816 provided in the wireless terminal 100 through the IC chip interface 155. It is characterized by exchanging predetermined information and / or data through half-duplex communication using the defined APDU.

Among the payment methods provided in the financial IC chip 170, the debit card application 200 may be based on at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443, and the financial IC chip standard such as EMV. A debit card dedicated file (DF) containing a unique identifier corresponding to a debit card payment method, and a plurality of data sets including at least one data set and program code required to perform a debit card function. It consists of an Element File (EF).

The debit card application 200 includes a file control information (FCI) storage unit and a debit card information storage unit, etc. The file control information includes an FCI template, a dedicated file name, an FCI proprietary template, and an SFI (Short). File Identifier, etc. The debit card information storage unit includes an Application Elementary File (AEF) data template, Track 2 Equivalent Data, Cardholder Name, and Track. 1 includes arbitrary data (Track 1 Discretionary Data).

Among the payment methods provided in the financial IC chip 170, the prepaid card application 205 may be configured according to at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 and the like. And a prepaid card dedicated file including a unique identifier corresponding to the prepaid card payment means, and a plurality of element files including at least one data set and program code required for performing the prepaid card function.

In the prepaid card application 205, the prepaid card information storage unit (EF IEP) stores the parameters and fixed data of the prepaid card to be recorded or modified while the prepaid card service is provided, and the prepaid card encryption key for Information is separately managed in the COS. The information stored in the prepaid card information storage unit includes security parameters, prepaid card parameters, issuer identifiers, branch codes, serial numbers, algorithm identifiers, issue dates, expiration dates, active dates, inactive dates, and the like. Included.

Primary Account Number (PAN) Information storage unit (EF PAN) stores the main account information required when the value is charged with a prepaid card, consisting of a business code, bank code, digit separation code, and account number.

The prepaid card balance storage unit (EF BAL) stores the stored value charged and / or balanced on the prepaid card, the current balance of the prepaid card, the checksum of the current balance (check sum for validating the balance, Backup balance, checksum of backup balance, maximum storage limit storage value, one time maximum withdrawal storage value, and card transaction serial number.

Last transaction history storage unit (EF LPT) stores the last transaction history that has been successfully executed, transaction type, transaction serial number, total amount, Purchase Secure Application Module (PSAM) identifier, PSAM transaction serial number, transaction amount, and completion code. Etc. are included.

The Purchase Transaction History Storage (EF PLOG) stores at least one recent purchase transaction and cancellation transaction history.The transaction type, transaction serial number, total transaction amount, post-transaction balance, transaction date, PSAM issuer, PSAM identifier, PSAM. Transaction serial number, completion code, etc.

The value filling history storage unit (EF LLOG) stores at least one or more recently made value filling data, and includes a transaction type (eg, value filling), a transaction serial number, a balance after a transaction, a transaction amount, a completion code, and the like.

The parameter update history storage unit (RF ULOG) stores the most recent prepaid card-related parameter update data, and includes a transaction type (e.g., parameter update), transaction serial number, SAM identifier, parameter identifier, pre-update parameter, post-update parameter, Complete code;

The cardholder information storage unit (EF cardholder) stores information about the prepaid cardholder, and thus it is possible to apply a different transportation fare according to the identity of the cardholder when using transportation such as a bus or subway. Cardholder information includes cardholder identification codes and cardholder validity periods.

The transfer information storage unit (EF transfer information) stores the information for the fare discount according to the transfer between transportation means, recently used transportation, bus boarding station code, bus boarding date and time, subway boarding / getting off station code, subway boarding / getting off Station date and time.

Among the payment account means provided in the financial IC chip 170, the electronic bank account application 210 may include at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 and the like. Accordingly, the electronic bankbook is composed of an electronic bankbook dedicated file including a unique identifier corresponding to the electronic bankbook, and a plurality of element files including at least one data set and program code required to perform a prepaid card function.

The electronic bank account application 210 is composed of a file control information storage unit, personal basic information storage unit, account information storage unit and financial transaction history storage unit, etc., the file control information storage unit has an FCI template, dedicated file name, FCI possession Template and SFI, etc. The personal basic information storage unit includes a card user data template, an English name of the card user (e.g., consisting of an American Standard Code for Information Interchange (ASCII) code), and a Korean name (e.g., KSC5601 (Korean). standard code-5601), and the real name ID.

In the account information storage unit of the electronic bank account application 210, the bank account information and the issue date information, the bank account code, the bankbook issue code and the certificate number, and the wireless terminal are connected to the financial server through at least one communication means to the bank. The bank account address for accessing the account is included, and the bank account number is composed of an account status indication, an account number corresponding to track 3, and a preliminary field, and the issue date information has a structure of year / month / day. The account and bank account codes are within 8 bytes and the certificate number is within 12 bytes. Specific information is subject to each bank's regulations, and the bank account address is IPv4 (Internet Protocol ver. 4) and / or It consists of a network address based on IPv6 (Internet Protocol ver. 6).

The financial transaction history storage unit of the electronic bank account application 210 includes a financial transaction date and time, a transaction type, a withdrawal amount, a deposit amount, a balance and a store code for storing the financial transaction history of the electronic bank account.

Of the information stored in the data storage of the debit card application 200, the prepaid card application 205, and the electronic bank account application 210, the information corresponding to the work element file corresponds to at least one financial IC chip standard. In accordance with the read / write control unit provided in the processing unit of each stored information and the data determination unit through the IC chip interface 155 provided in the wireless terminal 100 interlocked with the processing unit 125 provided in the wireless terminal 100 As the invention suggests, the stored value stored in the electronic bank account is transferred and / or charged.

In addition, the financial transaction history recorded in the financial transaction history storage unit of the information stored in the data storage unit of the electronic bankbook application 210, after the transfer and / or charging is performed, provided in the wireless terminal 100 It is characterized by being recorded by the storage unit.

Figure 3 is a preferred embodiment of the financial transaction history information according to a preferred embodiment of the present invention.

Referring to FIG. 3, the financial transaction history information may include financial transaction history for the financial transaction generated through the electronic bankbook provided in the financial IC chip 170 and the financial transaction history synchronized with the original account (eg, financial transaction history). And a synchronization flag for determining whether or not to be sent to the financial server or post-balancing.

In addition, the financial transaction details of the financial transaction generated through the electronic bankbook provided in the financial IC chip 170 includes a transaction number, a transaction date, a transaction time, a transaction type, a withdrawal amount, a deposit amount, a balance and a store code. The financial transaction history is stored in the memory unit 160 provided in the wireless terminal 100 as the electronic bankbook linked information, or provided in the data storage unit of the electronic bankbook application 210 on the financial IC chip 170. The transaction history storage unit is characterized in that.

According to a preferred embodiment of the present invention, the transaction number of the financial transaction history is a number that distinguishes each financial transaction history, and the last financial transaction history at the time when synchronization between the electronic bank account and the bank account is performed through post-balancing. No. 1 is allocated, and then financial transactions through e-bank account are no. It is preferable to assign sequentially to n times and the like.

The transaction date and the transaction time of the financial transaction details are the date and time when the financial transaction occurred, and occupy the size of 8 bytes and 6 bytes, respectively, and the internal time of the wireless terminal at the time of the financial transaction occurs is preferably applied. The type is a financial transaction code generated through an electronic bank account, and the debit card and / or prepaid card payment method using the electronic bank account according to the present invention is distinguished from other existing financial transactions (for example, account transfer or payroll transfer). It is desirable to have a unique financial transaction code value.

In the case of transferring and / or charging the stored value stored in the electronic bank account from the electronic bank account to the debit card and / or the prepaid card payment means, the withdrawal amount of the financial transaction details corresponds to the stored value withdrawn from the electronic bank account. The deposit amount corresponds to a stored value deposited into a bank account linked to the electronic bank account, and the balance corresponds to a stored value remaining in a bank account linked to the electronic bank account through the withdrawal and deposit.

According to a preferred embodiment of the present invention, the process of transferring and / or recharging the stored value stored in the electronic bank account to the debit card and / or prepaid card payment means comprises: restoring the balance of the bank account associated with the electronic bank account. Determining the amount of storage value to be transferred and / or charged to within the limit, withdrawing from the balance by the amount of the storage value, and transferring the account and / or a predetermined prepaid card to the debit and / or prepaid card payment means. After performing the process, it is preferable to perform a process of generating a predetermined financial transaction history (for example, recording the transfer value and / or the stored value in the withdrawal amount of the financial transaction history).

According to another embodiment of the present invention, the process of transferring and / or recharging the stored value stored in the electronic bank account to the debit card and / or prepaid card payment means includes: restoring the balance of the bank account associated with the electronic bank account; Determine the amount of storage value to be transferred and / or charged within the range not exceeding, record the amount of the stored value in the withdrawal amount, record the remainder after deducting the withdrawal amount from the balance in the new balance, and then record It is also possible to transfer and / or charge the value of the stored value to a debit and / or prepaid card payment method.

The transaction point code of the financial transaction details is a financial institution code in which a financial transaction occurs through the electronic bank account, and generally, it is preferable to be provided from the financial institution at the stage where the financial transaction occurs. When the stored value is transferred and / or charged from the bank account to the debit card and / or the prepaid card payment means, the merchant code is preferably replaced with the bank account issuance code.

According to the present invention, the synchronization flag has a Boolean value such as TRUE / FALSE, and if the financial transaction details are synchronized with the original account, it is set to TRUE, and if not, it is set to FALSE.

Hereinafter, a method of charging the stored value from the electronic bank account provided in the financial IC chip 170 to the prepaid card payment means provided in the financial IC chip 170 will be described. However, the following flowchart and description is a preferred embodiment of the various processes that can be implemented from the present invention, the technical spirit of the present invention is not limited to the following flowchart only, some processes according to those skilled in the art to practice the present invention Omitted, simplified through the terms (= financial transaction terms between the bank and the financial customer), or to indicate that the order of some processes may be changed without departing from the technical spirit of the present invention.

Figure 4 is a preferred flow diagram for the process of charging with a prepaid card the stored value stored in the electronic passbook in accordance with a preferred embodiment of the present invention.

Figure 4 is a preferred embodiment for efficiently explaining the technical features of the present invention, the IC chip and the financial transaction including the deposit and withdrawal and / or transfer of the stored value stored in the electronic bankbook and the transaction details of the IC chip In the case of storing in the 170 or the memory unit 160, the present invention relates to a preferred method of charging the prepaid card payment means for the stored value stored in the electronic passbook. In addition, in the process of filling the value stored in the electronic bank account with the prepaid card payment means, the stored value is automatically charged from the electronic bank account to the prepaid card during the payment using the prepaid card. However, the above-described preferred implementation method is only a relatively simple and preferable one method among various methods for efficiently describing the technical features of the present invention, and the present invention provides the key data through the key input unit 135 by the user of the wireless terminal. It is obvious that this also includes the case of generating the value manually.

According to the general knowledge commonly used in the technical field to which the present invention belongs, a process of inquiring the value charged in the prepaid card is performed in the payment process using the prepaid card (400), and the stored value required for the payment process in the process. The size and the size of the stored value charged in the prepaid card are compared, and based on the comparison result, it is determined whether the stored value is charged for the prepaid card (405).

For example, if the stored value size stored in the prepaid card is larger than the stored value size required for payment processing, the payment processing using the prepaid card can be processed normally, and as a result, the prepaid card is automatically charged with the stored value. The process is not carried out. On the contrary, if the stored value size required for payment processing is larger than the stored value size charged in the prepaid card, the prepaid card is charged with a stored value larger than the stored value size required for payment processing for payment processing using the prepaid card. As a result, a process of automatically charging the prepaid card with the stored value is performed.

If the stored value charging is not required by the prepaid card in the above process (410), the process of charging the stored value from the electronic account to the prepaid card is not automatically started, it is possible to start manually according to another embodiment of the present invention. .

On the other hand, if it is necessary to charge the stored value with the prepaid card for payment in the process (415), the processing unit 125 provided in the wireless terminal 100 determines the validity of the financial IC chip 170 (420).

According to a preferred embodiment of the present invention, the validity determination process for the financial IC chip 170 may be performed by inputting a personal identification number (PIN) to the confidentiality and authentication of the wireless terminal user with respect to the financial IC chip 170. Authentication, Integrity, Nonrepudiation, etc., the IC chip storage information identifier included in the financial IC chip 170 is inquired, and the present invention is presented to the financial IC chip 170. And determining whether an electronic passbook is provided.

If the validation of the financial IC chip 170 as described above fails (425), the process of charging the stored value from the electronic bank account to the prepaid card is not performed.

On the other hand, if the validity of the financial IC chip 170 is authenticated (430), the wireless terminal 100 determines a financial transaction method for charging the stored value stored in the electronic bank account with the prepaid card (435).

According to a preferred embodiment of the present invention, a financial transaction method for recharging the stored value stored in the electronic bankbook with the prepaid card, a financial transaction method for charging in real time in connection with the bank account associated with the electronic bankbook, and the bank After charging the prepaid card with the stored value stored in the electronic bank account in a shadow account method without real-time linkage with an account, generating a financial transaction history information related to the prepaid card charging is provided with a bank account associated with the electronic bank account The financial transaction method which transmits to a financial server or post-balancing is preferable.

If the financial transaction method for recharging the stored value stored in the electronic bankbook with the prepaid card is determined in a shadow account method (440), the wireless terminal 100 is stored in the electronic bankbook provided in the financial IC chip 170. In step 445, the stored value is withdrawn in a shadow account method and charged with a prepaid card. A preferred process of charging the prepaid card with the stored value stored in the electronic bank account in the shadow account method as described above is described in FIG.

On the other hand, if the financial transaction method for recharging the stored value stored in the electronic bank account with the prepaid card is determined in a manner of real-time connection with the original account (450), the processing unit 125 provided in the wireless terminal 100 is the financial IC By extracting the account information for the electronic bank account from the electronic bank account application provided in the chip 170, the wireless terminal 100 is connected to a financial server equipped with a bank account associated with the electronic bank account through the account information ( 455) connects a communication session for charging the prepaid card with the stored value stored in the electronic account in a real-time association manner.

If the wireless terminal 100 fails to access the financial server in order to charge the prepaid card with the stored value stored in the electronic bank account in a real-time connection with the original account as described above (460), the wireless terminal 100 ) Is a preferred process of automatically converting the financial transaction method for charging the prepaid card to the stored value stored in the electronic bank account in a shadow account method, and withdrawing the stored value stored in the electronic bank account in a shadow account method to charge the prepaid card. Perform 445.

On the other hand, if the wireless terminal 100 is connected to the financial server in order to charge the prepaid card to store the stored value stored in the electronic bank account in a real-time connection with the original account as described above (465), the wireless terminal 100 The processing unit 125 provided at the determines a storage value size to be charged from the electronic bankbook to the prepaid card, and stores the determined storage value size through the communication session connected between the wireless terminal 100 and the financial server. Send to the server (470).

When the storage value size is transmitted from the wireless terminal 100 as described above, the financial server withdraws the balance of the bank account by the storage value size transmitted from the wireless terminal 100 as described above, and the prepaid card with the amount withdrawn Through a predetermined process of transferring to the issuer, the prepaid card is filled with the stored value stored in the electronic bank account (475).

When the stored value stored in the electronic bankbook is filled with the prepaid card, the financial server generates a financial transaction history for the financial transaction that charges the stored value stored in the electronic bankbook with the prepaid card and records the financial transaction history. The wireless terminal 100 transmits the data to the wireless terminal 100 (480).

When the financial transaction details of the electronic bank account stored in the electronic bank account stored in the prepaid card are received, the storage unit 120 of the wireless terminal 100 wirelessly transmits the financial transaction details information corresponding to the financial transaction details. The memory 100 is stored in the memory unit 160 or the IC chip 170 provided in the terminal 100 (485).

5 is a preferred flowchart for a process of charging a prepaid card with a stored value stored in an electronic bank account in a shadow account according to a preferred embodiment of the present invention.

5 according to a preferred embodiment of the present invention, charging the stored value stored in the electronic passbook with the prepaid card in the process of charging the stored value stored in the electronic passbook as in the process of FIG. It is preferable that the financial transaction method is automatically determined by a shadow account method, or determined to charge the prepaid card with the stored value stored in the electronic account in a shadow account method based on an electronic bank account operating policy provided in the wireless terminal 100. It is about the case. However, the above-described preferred method is only a relatively simple and preferable one method among various methods for efficiently explaining the technical features of the present invention. In the present invention, the wireless terminal user uses the key input unit 135 to provide key data. Obviously, this also includes the case where the prepaid card is used to charge the stored value stored in the electronic bank account by means of a shadow account.

According to one embodiment of the present invention in which post-balancing is started, a wireless banking IC chip 170 equipped with an electronic bank account includes at least one terminal device (for example, an automatic teller machine (ATM) and a cash dispenser). (C) or a kiosk), the post-balancing determining means preferably determines post-balancing through a communication session via the terminal. In this case, the post-balancing determining means is preferably in the form of a terminal program provided in the terminal apparatus and the terminal apparatus.

In addition, when the wireless terminal 100 on which the financial IC chip 170 is mounted or detached is connected to the financial server through a wireless communication means (for example, the wireless terminal is connected to the financial server through the wireless Internet). Post-balancing determining means preferably determines post-balancing through the wireless communication session. At this time, the post-balancing determining means is preferably in the form of an agent program provided in the wireless terminal 100 or a program code provided in the wireless banking IC chip 170.

In addition, the wireless banking IC chip 170 and / or the user of the wireless terminal may use a communication means other than the above-described communication session connection (for example, Internet banking using a wired Internet, or telebanking using a telephone). In the case of attempting a financial transaction through a bank account by accessing a financial server through a banking, etc.), the post-balancing determining means may include a financial transaction not performed by the wireless financial IC chip 170 and / or the wireless terminal 100. It is desirable to determine that post-balancing is accomplished through at least one communication means before it occurs. At this time, the post-balancing determining means is a server program provided in the financial server, wherein the financial server stores the wireless terminal telephone number or network address, etc., on which the financial IC chip 170 equipped with the electronic bankbook is mounted or detached. desirable.

In addition, the post-balancing determination means may be performed while the payment processing is performed through a payment means (eg, a credit card) in which an online process is performed among a plurality of payment means and / or payment means included in the wireless banking IC chip 170. It is desirable to determine that post-balancing is performed in conjunction with the online payment processing. In this case, the post-balancing determining means is preferably in the form of an agent program provided in the wireless terminal or a program code provided in the wireless banking IC chip 170, and includes at least one payment device (eg, included in the online payment processing process). , Credit card payment authorization server) is preferably linked to a financial server opened a bank account.

Therefore, the processing unit 125 provided in the wireless terminal 100 determines whether the prepaid card is charged with the stored value stored in the electronic bankbook provided in the financial IC chip 170 through a shadow account-based financial transaction method (500). If the financial transaction method for charging the prepaid card with the stored value stored in the electronic bank account is not the shadow account method (505), the stored value is stored as the prepaid card from the electronic account of the shadow account method as shown in FIG. The charging process is not performed, and the process of charging the stored value with the prepaid card is preferably performed in real time in association with the original account as shown in FIG.

On the other hand, if the financial transaction method for recharging the stored value stored in the electronic bank account with the prepaid card is a shadow account method (510), the wireless terminal 100 uses an electronic bank account application provided in the financial IC chip 170. To determine the storage value size to be charged to the prepaid card from the stored value stored in the electronic account (515), and determines the validity of the prepaid card charging whether the prepaid card can be charged the determined storage value size (520) .

According to a preferred embodiment of the present invention, determining the validity of prepaid card charging whether the prepaid card can charge the stored value stored in the electronic passbook, query the stored value stored in the electronic passbook on the financial IC chip 170. By determining whether the storage value size is larger or smaller than the storage value size to be charged with the prepaid card, it is determined whether the prepaid card can store the stored value stored in the electronic account.

According to another embodiment of the present invention, determining the validity of the prepaid card charge as described above, the wireless terminal 100 inquires the bank account associated with the electronic bank account to the financial IC chip 170 through the network, By checking whether the balance deposited or deposited in the bank account is larger or smaller than the storage value to be charged with the prepaid card, it is determined whether the prepaid card can be charged the stored value stored in the electronic account.

If the prepaid card charging validity is not authenticated (525), the processing unit 125 provided in the wireless terminal 100 re-determines the storage value size to be charged with the prepaid card from the stored value stored in the electronic account, and By repeating the process of determining the prepaid card charging validity of whether the pre-determined storage value size can be charged with the prepaid card, the prepaid card charging effectiveness is secured.

On the other hand, if the validity of the prepaid card charging is authenticated or the validity of the prepaid card charging is secured by re-determining a storage value size to be charged with a predetermined prepaid card (530), the processor provided in the wireless terminal 100 ( 125) withdraws the stored value stored in the electronic bank account in a shadow account method which is not associated with the original account of the electronic bank account provided in the financial server in real time, and charges the withdrawn money with a prepaid card (535).

According to a preferred embodiment of the present invention, the process of withdrawing the stored value stored in the electronic bank account in the shadow account method, the processing unit 125 provided in the wireless terminal 100 is provided with the electronics in the financial IC chip 170 The process of recording the determined storage value size in the withdrawal amount of the bankbook application 210 and subtracting the stored value recorded in the withdrawal amount from the balance, and also charging the withdrawn prepayment card with the prepaid card, includes: The processing unit 125 included in the 100 corresponds to a process of storing the prepaid card balance storage unit of the prepaid card application 205 included in the financial IC chip 170 by the storage value withdrawn from the electronic bank account.

If the withdrawal and prepaid card stored value stored in the electronic bank account in the shadow account method as described above, the processing unit 125 provided in the wireless terminal 100 withdraws the predetermined storage value from the electronic bank account as described above Generates financial transaction details information charged with a prepaid card (540), and attempts to connect a communication session with the financial server to transmit the financial transaction details information to a financial server equipped with a bank account associated with the electronic bank account. (545).

If the above communication session connection fails in the wireless terminal 100 (550), the storage unit 120 provided in the wireless terminal 100 processes the synchronization flag of the financial transaction history information as "asynchronous". The financial transaction history information is stored in the IC chip 170 or the memory unit 160 (555).

As described above, when the financial transaction history information in which the synchronization flag is processed as “asynchronous” is stored in the IC chip 170 or the memory unit 160, the balancing processing unit 110 provided in the wireless terminal 100 may display the electronic transaction. After the post-balancing of the bank account provided in the financial server in connection with the bank account and the financial transaction details of the electronic bank account (560), the information is stored in the IC chip 170 or the memory unit 160 as described above The synchronization flag of the history information is changed to “synchronization” (565). As described above, after the synchronization flag of the financial transaction history information is processed and stored as “asynchronous”, the financial transaction history of the IC chip 170 or the memory unit 160 and the bank account associated with the electronic bank account are stored as described above. The preferred process of post-balancing is described in FIG.

On the other hand, if the communication session connection is successful in the wireless terminal 100 (570), the transmission unit 115 provided in the wireless terminal 100 transmits the financial transaction details to the financial server, from the financial server In operation 575, the financial transaction details processing success response corresponding to the successful addition or registration of the financial transaction details to the original account is waited.

If the financial transaction details processing fails from the financial server to the wireless terminal 100 (580), the storage unit 120 provided in the wireless terminal 100 sets the synchronization flag of the financial transaction details information to "asynchronous". After processing, the financial transaction history information is stored in the IC chip 170 or the memory unit 160, and then post-balancing is performed.

On the other hand, if the financial transaction history processing from the financial server to the wireless terminal 100 succeeds (585), the storage unit 120 provided in the wireless terminal 100 processes the synchronization flag of the financial transaction history information as "synchronization". The financial transaction history information is stored in the IC chip 170 or the memory unit 160 (590).

Figure 6 is a preferred flow diagram for the process of post-balancing the electronic bank account and bank account in accordance with a preferred embodiment of the present invention.

6 according to a preferred embodiment of the present invention, the post-balancing process is automatically initiated by the balancing processing unit 110 provided in the wireless terminal 100 in order to efficiently explain the technical features of the present invention, and wireless It is to use a communication session directly connected between the terminal 100 and the financial server on the network. However, the post-balancing process as described above is a preferred process for efficiently describing the technical features of the present invention, and the post-balancing process of the present invention is performed by the wireless terminal user by manually generating key data through the key input unit 135. It is possible to be disclosed, and also includes a case where at least one relay communication device (eg, payment terminal device) is added between the wireless terminal 100 and the financial server.

According to a preferred embodiment of the present invention, the post-balancing is automatically initiated in the preferred case, after the process of charging the stored value stored in the electronic bank account with the prepaid card in the shadow account method as shown in Figure 5, the wireless terminal 100 If a communication session is connected between the financial server and the), it is preferable that the balancing processing unit 110 determines to process post-balancing through the communication session. For example, when the wireless terminal 100 accesses the wireless Internet or accesses a payment terminal device for a predetermined wireless payment, the wireless terminal 100 relays the wireless internet and the payment terminal device between the wireless terminal 100 and the financial server. If a communication session is connected, determine to handle post-balancing via the communication session.

According to another exemplary embodiment of the present invention, when post-balancing is automatically started, after the process of charging the stored value stored in the electronic bank account with the prepaid card in the shadow account method as shown in FIG. 5, the balancing processing unit 110 is performed. When it is determined that the post-balancing is performed by extracting and reading the electronic account management policy provided in the memory unit 160, the balancing processing unit 110 may determine to process the post-balancing through the communication session.

When the execution of the post-balancing is determined in the wireless terminal 100 through the predetermined process as described above (600), the balancing processing unit 110 provided in the wireless terminal 100 is linked to the electronic bank account from the financial IC chip 170. Extracts the network address of the bank account (602), and connects the communication session between the wireless terminal (100) and the financial server by accessing the financial server provided with the bank account using the bank account address (604). If the communication session is not immediately connected (606), the process of connecting the communication session is repeated as described above.

If the communication session between the wireless terminal 100 and the financial server is connected (608), the balancing processing unit 110 provided in the wireless terminal 100 is stored in the IC chip 170 or the memory unit 160 From the transaction details information, the financial transaction details of which the synchronization flag is set to “asynchronous” are extracted (610), the financial transaction details are extracted as described above, and then transmitted to the financial server through the communication session (612).

According to a preferred embodiment of the present invention, the balancing processing unit 110 may be added to the process of extracting the public certificate and the like from the financial IC chip 170 in order to encrypt the financial transaction details.

When the financial transaction details of the financial transactions made by the shadow account are received from the wireless terminal 100, the financial server decrypts the received financial transaction details as described above (614), the IC chip provided in the wireless terminal 100 ( 170 or the financial transaction history stored in the memory unit 160 is extracted.

According to a preferred embodiment of the present invention, a financial server may add a process of accessing an authentication server provided with a decryption key to decrypt the financial transaction details.

(Hereinafter, description of Figure 6b)

When the financial transaction details stored in the IC chip 170 or the memory unit 160 provided in the wireless terminal 100 are extracted to the financial server through the above process, the financial server receives the financial transaction received from the electronic bank account. The first financial transaction date and time of the breakdown and the last financial transaction date and time are extracted, and the financial transaction is performed through the electronic bank account until the current post-balancing is performed after the last post-balancing. During the transaction period, it is checked whether a financial transaction (especially withdrawal financial transaction) exists in the bank account separately from the financial transaction of the electronic bank account (616).

According to a preferred embodiment of the present invention, while a financial transaction occurs in an electronic bank account with a shadow account, an automated financial transaction (eg, automatic account transfer, automatic bill transfer, etc.) may occur in a bank account.

* If there is no financial transaction history generated during the financial transaction period in the bank account (618), the financial server determines the financial transaction history extracted from the electronic bank account as a new financial transaction occurred during the financial transaction period, and The financial transaction history of the electronic bank account is added and stored after the last financial transaction history of the bank account (620).

On the other hand, if there is a financial transaction history separately generated during the financial transaction period in the bank account (622), the financial server compares the financial transaction history provided from the wireless terminal 100 with the financial transaction history separately generated from the financial transaction history in the bank account. As a result of the comparison, the financial transaction history of the electronic bank account and the separate bank account financial transaction history are sequentially synchronized (626).

According to a preferred embodiment of the present invention, the process of sequentially synchronizing the financial transaction details and the separate bank account financial transaction details provided by the wireless terminal 100, the transaction date and time of the first financial transaction details of the electronic bankbook and The process of sorting sequentially by comparing the transaction date and time of the first financial transaction history separately generated in the bank account, and recalculates the withdrawal amount, deposit amount and balance of the sorted financial transaction details.

The sequential synchronization process as described above is preferably performed sequentially for all the financial transaction details (for example, the financial transaction details of the electronic bank account and the financial transaction details generated separately from the bank account).

In addition, in the process of performing the sequential synchronization as described above, the financial server checks whether a negative number is generated in the balance recalculated from each financial transaction history (628).

If a negative number does not occur in the balance that is recalculated in the specific financial transaction details that are sequentially synchronized as described above (630), the financial server repeats the sequential synchronization process sequentially for all financial transaction details in the financial transaction period. Perform.

On the other hand, if a negative number is generated in the balance that is recalculated in the specific financial transaction details that are sequentially synchronized as described above (632), the financial server records the virtual credit loan financial transaction history after the financial transaction history in which the negative balance is generated as described above. Further inserting (634), the sequential synchronization process is repeated sequentially for all financial transaction details of the financial transaction period agreement.

According to a preferred embodiment of the present invention, in the case of issuing an electronic bank account to a financial customer in the bank for the virtual credit loan processing as described above, when a withdrawal exceeding the balance occurs from a financial transaction due to a shadow account, It is desirable to make a commitment to automatically convert excess withdrawals to virtual credit loans within limits.

If the sequential synchronization between the financial transaction details extracted and received from the electronic bank account and the financial transaction details of the bank account is completed through the above process (636), the financial server stores the synchronized financial transaction details of the bank account as described above. In addition to the financial transaction details are stored (638).

When the financial transaction details of the electronic bank account and the financial transaction details of the bank account are synchronized and stored in the bank account through the preferred sequential synchronization process as described above, the financial server stores the financial transaction details additionally stored in the bank account with the wireless terminal 100. The synchronization result of the financial transaction details is transmitted to the wireless terminal 100 through a communication session between the financial servers (640).

According to a preferred embodiment of the present invention, when a separate financial transaction occurs during the financial transaction period in the bank account provided in the financial server, the financial transaction details of the financial transaction separately generated as described above are included in the synchronization result of the financial transaction details. It is preferable to add.

When the synchronization result of the financial transaction details is received from the financial server, the storage unit 120 of the wireless terminal 100 has a synchronization flag among the financial transaction history information stored in the IC chip 170 or the memory unit 160. The synchronization flag of the financial transaction history information, which is "non-synchronized," is changed to "synchronized" (642).

According to a preferred embodiment of the present invention, when a separate financial transaction history exists in the synchronization result of the financial transaction history, the storage unit 120 provided in the wireless terminal 100 is the IC chip 170 Or the financial transaction history information stored in the memory unit 160.

According to the present invention, the financial transaction is processed inside the wireless terminal by processing a financial transaction using a predetermined electronic bankbook provided in the financial IC chip mounted on or detached from the wireless terminal, so that the financial transaction is leaked and exploited externally. It provides excellent security that prevents it from being inherent, and it is convenient to use because it does not connect to the server during the financial transaction, and financial transactions are performed even in the underground, tunnel, and shielded areas where the wireless terminal is difficult to access the financial server. The effect is provided.

In addition, the present invention, after the financial transaction is made in the shadow account method, by transmitting the financial transaction details to the financial server or post-balancing, synchronization of the financial transaction details is made in one communication, the synchronization process is the shadow account method Since the financial transaction is made to synchronize the financial transaction details stored in the IC chip or the memory unit, it is possible to automatically process the synchronization process, thereby providing convenience of use.

In addition, the present invention by processing the transfer and / or charge of the stored value stored in the electronic bank account with a debit card in a shadow account method in a shadow account method, wireless using the debit card and / or prepaid card In the payment process, a process of transferring and / or charging a stored value to the debit card and / or the prepaid card in real time is provided within the wireless terminal.

Claims (3)

A function of processing deposit or withdrawal or transfer of stored value stored in an electronic bankbook provided in an integrated circuit (IC) chip of a mobile phone; And And storing an electronic information management program for realizing the function of storing the deposit and withdrawal or transfer history information of the stored value stored in the electronic bankbook in the IC chip or the memory unit. The method of claim 1, wherein the recording medium, And an electronic information management program for further realizing a function of value filling a prepaid card by using a stored value stored in the electronic bankbook. The method of claim 1, wherein the recording medium, After the deposit or withdrawal or transfer history information of the original account provided in the financial server corresponding to the electronic bankbook (Electronic Bankbook) and the deposit and withdrawal history information stored in the IC chip or memory through the communication means provided in the mobile phone A recording medium characterized by recording an electronic information management program for further realizing a function of performing balancing after balancing.

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