KR20090036481A - Method for outputting financial transaction picture in mobile devices with card interface - Google Patents

Abstract

A method for outputting a financial transaction picture in a mobile phone with a card interface is provided to supply a financial transaction interface widely used with an ATM(Auto Teller Machine) to a customer mobile phone, thereby enabling a customer to easily perform a financial transaction. When an operation mode of a terminal is selected in a financial transaction mode(205), the terminal outputs a financial transaction interface screen(215). If financial transaction request information is inputted through a key input unit(245), the terminal transmits card information and the financial transaction request information to a server on a network. And them, the terminal waits to receive a financial transaction processing result based on the card information and the financial transaction request information(250). If the processing result about a financial transaction based on the card information and the financial transaction request information is received from the server(255), the terminal outputs the financial transaction processing result through a screen output unit of the terminal(260).

Description

Method for Outputting Financial Transaction Picture in Mobile Devices with Card Interface}

1

<Description of main parts of drawing>

900: intranet server 905: banking operation

910: employee certification unit 915: intranet operation unit

920: Banking Server 925: Storage Media

930: interface unit 935: interface provider

940: information receiving unit 945: information checking unit

950: loan processing unit 955: ledger processing unit

960: information transmission unit 965: relay server

970: employee terminal

The present invention outputs a card reading request screen on the first screen, and when the card is read through the card interface, checks the type of the read card, and if the read card is a credit card, on the second screen Output at least one credit card transaction menu item, and if the read card is a check (or debit or cash) card, output an account transaction related menu item, and either credit card transaction menu item or account transaction related menu item When is selected, the present invention relates to a financial transaction screen output method in a mobile phone equipped with a card interface for outputting a third screen corresponding to the selected menu item.

With the development of wired and wireless communication technology, mobile communication companies and financial institutions are providing services for various financial transactions using mobile phones.

However, the financial transaction using the mobile phone is designed to suit the characteristics of the mobile phone, so it is not easy to use for the first-time financial transactions with the mobile phone or elderly people who are not used to using the mobile phone.

Therefore, the financial transaction interface using a mobile phone should be designed to be more easily and conveniently used by customers.

An object of the present invention for solving the above problems is the step of outputting a card reading request screen on the first screen, and when the card is read through the card interface, to check the type of the card read, and as a result of the read card Is a credit card, outputting at least one credit card transaction menu item on the second screen, and if the read card is a check (or debit or cash) card, outputting an account transaction related menu item; and When any one of a transaction menu item or an account transaction related menu item is selected, the present invention provides a method for outputting a financial transaction screen in a mobile phone having a card interface, the method including outputting a third screen corresponding to the selected menu item.

In the method for outputting a financial transaction screen in a mobile phone equipped with a card interface according to the present invention, the method further comprises: outputting a card reading request screen on a first screen; If the read card is a credit card, at least one credit card transaction menu item is output on the second screen, and if the read card is a check (or debit or cash) card, the account transaction related menu item is displayed. And outputting a third screen corresponding to the selected menu item when one of the credit card transaction menu item and the account transaction related menu item is selected.

According to the present invention, on the second screen, the credit card transaction menu item includes at least one or more cash service, balance inquiry, etc., and the account finance transaction related menu item includes at least one withdrawal, balance inquiry, account transfer, and the like. It is characterized by including the above.

According to the present invention, on the third screen, in the case of the cash service of the credit card transaction menu item, it is possible to input (or select) the cash service request amount, and in the case of the balance inquiry of the credit card transaction menu item. And outputting the credit card cash service balance limit, and in case of withdrawal of the account financial transaction related menu item, input (or select) the withdrawal amount, and check the balance of the account financial transaction related menu item. In this case, the deposit balance result is outputted, and in the case of bank transfer of the menu item related to the banking transaction, input (or select) the remittance target information-the remittance target bank (code), the remittance amount, the remittance target customer name, etc. It is characterized by that).

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 made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a mobile phone function configuration for providing a financial transaction interface screen according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates a case in which a mobile communication terminal connecting to a mobile communication network based on code division multiple access (CDMA) performs a function of the mobile phone 100 providing an interface screen for the financial transaction. A preferred functional configuration of a mobile phone 100 having a card interface for reading card information from a customer card for financial transactions.

In particular, the mobile phone 100 according to the present invention is characterized in that it provides a financial transaction interface identical to (or similar to) an ATM (Auto Teller Machine) operated by each financial institution or VAN company.

 Those skilled in the art to which the present invention pertains, a wireless terminal (for example, a wireless data communication terminal or a portable Internet terminal) providing an interface screen for the financial transaction in addition to the mobile communication terminal with reference to FIG. It can be easily inferred from the functional configuration of the. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

The mobile phone 100 of FIG. 1, which provides a mobile communication service in terms of hardware, includes a shape body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 125. Internally, a predetermined modem chip incorporating functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder (for example, the MSM series modem chip of Qualcomm, USA) ), A variety of memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), and an isolator that prevents the high power transmission signal from being reversed. (Isolator), RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Elements are gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, the modem chip is directly integrated with various functions for various multimedia services and / or additional services.

Referring to FIG. 1, the mobile phone 100 for ATM financial transactions basically includes a control unit 105, a screen output unit 110, a sound processor 120, a card interface 115, a wireless processor 130, and a key input unit. A 135, a memory 145, and a battery 150 for supplying power may be provided, and other functional components (not shown) may be further provided according to the intention of those skilled in the art.

The control unit 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and includes a predetermined program routine for providing a function specific to the mobile phone 100 from a predetermined memory device. And a bus for inputting and outputting a routine or program data and a predetermined electronic circuit (or an integrated circuit) provided therefor, and software-loaded from a predetermined memory device or chipset to the execution memory. And a general term of program routines or program data processed through the processor to perform a specific function (hence, in the present invention, a predetermined program routine recorded on a recording medium of the mobile phone 100 to provide a financial transaction interface for convenience). It will be described as being provided in the control unit 105. By the controller 105, various functions intended to be implemented in the mobile phone 100 may be realized thereby, and the overall operation of the mobile phone 100 may be controlled and managed to realize the above functions. Shall be.

In particular, when power is input to the mobile phone 100 to perform a function of the control unit 105 for controlling and managing the overall operation of the mobile phone 100, an operating system routine and a system management routine stored in a predetermined memory device. Or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, or a mobile communication service.

The screen output unit 110 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 135 by the controller 105 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;) and various information, signals, or contents (e. G., Text content, image content, or multimedia content) extracted or generated in the course of performing a predetermined function of the mobile phone 100, And a screen output device (eg, an LCD panel). The screen output unit 110 and the screen output device interoperate with each other. Do this.

According to the exemplary embodiment of the present invention, the screen output unit 110 inputs at least one key input through the key input unit 120 while the mobile phone 100 performs a financial transaction service function using a customer's card. Data or at least one or more information (or data) extracted by the mobile phone 100 from the memory unit 135 for the financial transaction (for example, ATM financial transaction interface information for each financial institution) or the mobile phone 100 is provided with the financial information. Corresponds to at least one or more information (or data) read from the customer card through the card interface or a predetermined operation result performed by the mobile phone 100 for the financial transaction through the ATM financial transaction interface for each institution. And outputting the information (or data) to the screen output device.

As a result, the screen output unit 110 preferably outputs a processing screen for each step for the financial transaction using the customer's card.

The sound processor 115 encodes a predetermined sound signal input from a microphone included in the mobile phone 100 to provide it to the controller 105 or a predetermined sound extracted or generated by the controller 105. A signal is decoded and output through a speaker. To this end, the sound processor 115 includes a predetermined vocoder and a codec.

The sound processing unit 115 and the microphone to perform the function of the sound input means provided in the mobile phone 100, or through the sound processing unit 115 and the speaker of the sound output means provided in the mobile phone 100 Perform the function.

The wireless processing unit 130 is associated with the control unit 105 (for example, a program routine for providing a mobile communication service) in location registration or slot mode, power control, or hand-off. and a mobile communication service including a call processing (off) or a call processing procedure. RF processing functions (eg, antenna control, radio frequency signal modulation, synthesis, amplification or filtering, etc.) are further included. In particular, the wireless processing unit 130 processes the information or signal transmitted from the mobile phone 100 to the base station in the CDMA stack or from the CDMA stack received from the base station to provide the mobile communication service and the financial transaction service. It is characterized by providing a function for reading out predetermined information or signals.

According to the exemplary embodiment of the present invention, the wireless processing unit 130 receives predetermined card information read from the card interface and key input information input through the key input unit in the process of performing the ATM financial transaction. And a function of wirelessly transmitting to a base station on a mobile communication network to which the mobile station is connected, and a function of wirelessly receiving a response (or result) for the ATM financial transaction from the base station. The mobile phone 100 is provided with a response (or result) to the financial transaction from a server side (eg, a payment server) on a wireless network including the mobile communication network.

According to another exemplary embodiment of the present invention, if the mobile phone 100 of FIG. 1 is a wireless data communication terminal, the wireless processing unit 130 accesses a wireless data communication network and has the same or similar financial transaction screen as the ATM financial transaction screen for each financial institution. It comprises a functional configuration for providing a predetermined wireless data communication service for financial transactions through, or if the mobile phone 100 of FIG. 1 is a portable Internet terminal, the wireless processing unit 130 is connected to the portable Internet network Functional configuration for providing a predetermined portable Internet service (e.g., wireless data communication or voice over IP based voice call) for financial transactions through a financial transaction screen identical or similar to the ATM financial transaction screen for each financial institution It is made, including.

According to the present invention, the wireless processing unit 130 is the mobile communication network in the process in which the mobile phone 100 performs a predetermined function for the financial transaction through the same or similar financial transaction screen of each financial institution ATM financial transaction screen And connecting at least one communication channel with a predetermined server (e.g., a payment server, etc.), and through the communication channel, a financial transaction screen identical or similar to the ATM financial transaction screen for each financial institution. Information (eg, financial transaction request information) for financial transactions is transmitted.

The key input unit 135 includes a predetermined keypad including at least one key button including a predetermined number key, a character key, or a function key. Detects information (or signal) inputted from the device, and receives predetermined information (or signal) from a predetermined key button provided in the keypad in a specific input mode or operation mode of the mobile phone 100 controlled by the controller 105. ), A key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The controller 105 reads predetermined key data corresponding to the key event in the current input mode or the operation mode of the mobile phone 100 (for example, each mobile phone 100 input mode or the like). Reads key data from the key table in a key table that stores (manages) at least one key data corresponding to a specific key event in an operation mode, or executes a predetermined function matched with the key event. It is characterized by reading. The keypad including the key input unit 135 and at least one key button interlocks with each other to perform a function of a key input unit provided in the mobile phone 100.

According to the method of the present invention, the key input unit 135 preferably performs an information input function of each step for a financial transaction through a financial transaction screen identical or similar to the ATM financial transaction screen for each financial institution. The key input unit 135 preferably provides a function of key input means for inputting the customer information.

The memory unit 145 is input / output information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the mobile phone 100 is performed. Or a general term for a memory device for storing data; read only memory (ROM) corresponding to read-only memory, flash memory (FM), and electrically erasable and programmable read only memory (EEPROM). And the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores an operating system routine, a call processing program routine, an application program routine provided through the mobile phone 100, information or data therefor, and the like. The EEPROM stores terminal registration related parameters and a phone number (eg, an address book) or at least one or more information or data extracted or generated while executing an application provided in the mobile phone 100.

According to the exemplary embodiment of the present invention, the memory unit 145 may store the customer information in advance. In this case, the process of inputting the customer information through the key input unit may be performed in the memory unit 145. It may be replaced by a process of extracting the stored customer information, thereby not limited to the present invention.

In addition, according to the embodiment of the present invention, the memory unit 145 is characterized in that the ATM financial transaction interface information for each financial institution is stored, the ATM financial transaction interface for each financial institution stored in the memory unit 145 is The screen is output through the screen output unit 110 according to a financial institution corresponding to the card read through the card interface.

In addition, according to an embodiment of the present invention, the memory unit 145 stores ATM financial transaction interface information for each corresponding card (for example, cash / debit / check / credit card, etc.), and the memory unit The ATM financial transaction interface for each corresponding card stored in 145 is output through the screen output unit 110 in correspondence with the card read through the card interface 115.

The card interface 115 reads at least one or more information or data included in a predetermined card to realize a financial transaction processing through a financial transaction screen identical or similar to an ATM financial transaction screen for each financial institution on the mobile phone. And an MS interface providing an interface between the MS (Magnetic Stripe) card and the terminal device based on the ISO / IEC 7810 standard, and / or a contact IC card based on the ISO / IEC 7816 standard. And a contact IC interface in which the terminal device provides an interface, and / or a contactless IC interface providing an interface between the contactless IC card and the terminal device based on the ISO / IEC 14443 standard.

The MS interface is a card interface based on ISO / IEC 7810. The MS interface includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary data). Is stored in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), and a predetermined electrical signal is loaded onto the magnetic head. By interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the terminal device.

The contact IC interface is a card interface based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. Supplying power to the IC chip of the IC card through a contact point and interfacing predetermined information or data from the IC chip to the terminal device through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized by.

The contactless IC interface is a card interface based on ISO / IEC 14443, and includes at least one antenna which makes contactless electrical contact with a contactless IC card by using capacitive coupling and / or inductive coupling. And supplying power to the IC chip of the IC card through the antenna, and interfacing the predetermined information or data from the IC chip to the terminal device through the half duplex transaction using an APDU. It features.

Referring to FIG. 1, the mobile phone 100 may interface with the screen output unit 110 to output an interface screen for a financial transaction through a financial transaction screen identical or similar to an ATM financial transaction screen for each financial institution ( 150, an information input unit 155 for receiving the financial transaction request information in association with the key input unit 135, and an information reading unit 160 for reading card information from the customer card in association with the card interface. And an information transmitter 115 for transmitting the card information read through the information reader 160 and the financial transaction request information input through the information input unit 155 to a server on a network, and the server 100. And an information receiver 110 for receiving the financial transaction processing information corresponding to the financial transaction request information.

The interface unit 150 outputs a predetermined menu (or screen) for a financial transaction to the screen output means in association with the screen output unit 110 and the financial transaction menu in conjunction with the key input unit 135. Is periodically checked (or in response to a menu selection event).

According to an embodiment of the present invention, when the financial transaction menu is selected, the interface unit 150 outputs a first screen including a card reading request screen to the screen output unit in cooperation with the screen output unit 110. It is characterized by that.

In addition, according to an embodiment of the present invention, when a card is read through the card interface 115, the read card type is checked. As a result of the check, when the read card is a credit card, the interface unit 150 may be configured. Outputting a second screen including at least one credit card transaction menu item; and outputting a second screen including an account transaction related menu item when the read card is a check (or debit or cash) card. It features.

In addition, according to an embodiment of the present invention, if any one of a credit card transaction menu item or an account transaction related menu item is selected on the second screen, the interface unit 150 displays a third screen corresponding to the selected menu item. It is characterized by outputting.

According to the method of the present invention, the items (or information) output on the screens for each step may be configured in various ways for each financial institution, and it is possible to output up to the Nth screen due to the nature of financial transactions.

According to the implementation method of the present invention, on the second screen, the credit card transaction menu item includes at least one or more cash service, balance inquiry, etc., and the account finance transaction related menu items include withdrawal, balance inquiry, and remittance. It is preferable to include at least one or more.

According to the exemplary embodiment of the present invention, it is preferable that the cash service request amount of the credit card transaction menu item can be input (or selected) on the third screen.

In addition, in the balance inquiry of the credit card transaction menu item, the credit card cash service balance limit is outputted, and in the case of withdrawal of the account finance transaction related menu item, the withdrawal amount may be input (or selected). It is desirable to.

In addition, in the balance inquiry of the account financial transaction related menu item, it is preferable to output the deposit balance result.

In addition, in the case of the account transfer of the menu item related to the banking transaction, it is preferable to input (or select) the remittance target information-the remittance target bank (code), the remittance amount, the remittance target customer name, and the like.

According to another exemplary embodiment of the present invention, the interface unit 150 may output a financial transaction interface screen corresponding to the type of the card read through the card interface 115.

For example, when the card read through the card interface 115 is a cash card, the interface unit 150 checks (or extracts) ATM interface information corresponding to the cash card from the memory unit 145, If the card is output through the screen output unit 110, and the card read through the card interface 115 is a credit card, the ATM interface information corresponding to the credit card is confirmed from the memory unit 145 (or Extraction) to be output through the screen output unit 110.

In addition, according to another exemplary embodiment of the present invention, the interface unit 150 may output an ATM financial transaction interface screen corresponding thereto according to the issuer of the card read through the card interface 115. .

For example, when the card read through the card interface 115 is a card of A financial institution, the interface unit 150 confirms from the memory unit 145 the same or similar interface information as that of the ATM of the A financial institution. (Or extract) the output through the screen output unit 110 is preferable.

When the ATM financial transaction interface corresponding to the card read through the interface unit 150 is output through the interface unit 150, the information input unit 155 interoperates with the key input unit 135 to perform the financial transaction (eg, , Inquiry, transfer, etc.) characterized in that the request information is received.

According to another exemplary embodiment of the present invention, when predetermined customer information necessary for the financial transaction is pre-stored in the memory unit 145, the information input unit 155 may request the financial transaction from the memory unit 145. Performs the function of the information extraction unit for extracting the customer information of, by which the present invention is not limited.

When the ATM financial transaction interface is output to the screen output means through the interface unit 150, the information reading unit 160 reads card information from the customer card in conjunction with the card interface. It is done.

According to the exemplary embodiment of the present invention, the information reading unit 160 provides the read card information to the interface unit 150 so that the financial transaction interface corresponding to the read card information in the interface unit 150 is provided. Characterized in that it can be output.

When the customer card information is read through the card interface 115 and predetermined financial transaction request information is input through the information input unit 155, the information reading unit 160 reads the information reading unit 160. The customer card information read through and the financial transaction request information input through the information input unit 155 may be transmitted to a server on a network.

According to an exemplary embodiment of the present invention, the information transmitter 165 preferably transmits the card information and the financial transaction request information to the server through a wireless Internet access method, and for this purpose, the information transmitter 165. The wireless communication unit 130 connects the communication channel with the server for wireless internet access and transmits the card information and the financial transaction request information to the server through the wireless Internet.

According to another exemplary embodiment of the present invention, the information transmitter 165 transmits the card information and the financial transaction request information through a predetermined wireless message (eg, a Short Message Service (SMS) or a Multimedia Messaging Service (MMS)). Preferably, the information transmission unit 165 processes the card information and the financial transaction request information into the wireless message structure and transmits the information to the server.

The server receiving the card information and the financial transaction request information processes the financial transaction based on the card information and the financial transaction request information, and stores the financial transaction processing details in a predetermined storage medium, and the financial transaction processing result. To transmit to the mobile phone (100).

The information receiver 170 receives the ATM financial transaction processing result from the server, and the financial transaction processing result is output through the screen output unit 110.

2 is a diagram illustrating an operation process of the mobile phone 100 according to an embodiment of the present invention.

2 illustrates the card interface 115 provided in the mobile phone 100 when the mobile phone 100 shown in FIG. 1 provides the same or similar financial transaction interface screen as the ATM using the customer card. The mobile phone which requests the financial transaction by receiving the customer card information and the financial transaction request information input through the key input unit 135 provided in the mobile phone 100 to the server on the network, and receives the result thereof. (100) As an implementation method for the operation process, those skilled in the art to which the present invention belongs, various implementations for the operation process of the mobile phone 100 having a financial transaction function by referring to or modifying this drawing 2 The method may be inferred, but the present invention includes all the inferred methods of implementation, and the present invention is not limited thereto.

Hereinafter, in FIG. 2, the mobile phone 100 shown in FIG. 1 is referred to as a "terminal" for convenience.

Referring to FIG. 2, the terminal has a voice call service through a voice call channel or a data communication function through a data communication channel, in addition to the same or similar financial transaction as the ATM according to the present invention. In order to provide the same or similar financial transaction interface screen, it is periodically checked whether a financial transaction mode according to the present invention is selected periodically (or in response to a key input event) through a predetermined key input (200).

If the operation mode of the terminal is not confirmed that the financial transaction mode according to the present invention is selected (205), the terminal provides each service corresponding to each operation mode (210).

On the other hand, if it is confirmed that the operation mode of the terminal is selected as the financial transaction mode according to the present invention (205), the terminal outputs a predetermined financial transaction interface screen (215).

According to an embodiment of the present invention, the financial transaction interface screen is preferably output in a plurality of stages. For example, a card reading request screen is output on a first screen, and a card is read through the card interface 115. When the read card is a credit card, at least one credit card transaction menu item is output on the second screen, and the read card is checked (or debit or cash). In the case of a card, the account transaction related menu item is output, and when any one of the credit card transaction menu item and the account transaction related menu item is selected, a third screen corresponding to the selected menu item is output.

When the financial transaction interface screen is output as described above, the terminal requests to read card information from the customer card through the financial transaction interface screen (220), and from the customer card through a predetermined card interface provided in the terminal Check if card information is read (225).

If card information is read from the customer card (230), the terminal extracts and outputs an ATM financial transaction interface screen corresponding to the read card (or card issuer) from the memory of the terminal, and outputs the output. A request is made to input the financial transaction request information through a financial transaction interface screen (235), and it is checked whether the financial transaction request information is input through a predetermined key input means provided in the terminal (240).

If predetermined financial transaction request information is input through the key input means (245), the terminal transmits the card information and financial transaction request information to a server on a network, and the card information and financial transaction request information from the server. The operation 250 receives the financial transaction processing result based on the operation.

According to an embodiment of the present invention, the terminal transmits the card information and the financial transaction request information to the server through a wireless Internet method, or the card to the server through a wireless message including at least one SMS / MMS. It is preferable to transmit information and financial transaction request information.

If the processing result for the financial transaction based on the card information and the financial transaction request information is received from the server (255), the terminal outputs the financial transaction processing result through the screen output means provided in the terminal. (260).

3 is a diagram illustrating a mobile phone function configuration for providing a financial transaction interface screen according to another exemplary embodiment of the present invention.

In more detail, FIG. 3 illustrates an RFID for the financial transaction in a case where a mobile communication terminal accessing a mobile communication network based on code division multiple access (CDMA) performs a function of the mobile phone 300 for the financial transaction. The preferred functional configuration of the mobile phone 300 having a reader.

 Those skilled in the art to which the present invention pertains may refer to the function of other mobile phones 300 (eg, wireless data communication terminals or portable Internet terminals) for financial transactions in addition to mobile communication terminals with reference to FIG. 3. The configuration may be easily inferred. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

The mobile phone 300 of FIG. 3, which provides a mobile communication service in terms of hardware, includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 325. Internally, a predetermined modem chip (e.g., MSM series modem of Qualcomm, USA) that incorporates functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, and the like. Chip), various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier for amplifying a transmission signal, a high power amplifier (HPA), and a high output transmission signal to prevent the reverse Isolator, RF / IF SAW filter to remove desired out-of-band unwanted signal, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Elements are gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, the modem chip is directly integrated with various functions for various multimedia services and / or additional services.

Referring to FIG. 3, the mobile phone 300 for ATM financial transaction basically includes a control unit 305, a screen output unit 310, a sound processor 315, an RFID reader 315, a wireless processor 330, and a key input unit. 335, a memory 345, and a battery 325 for supplying power may be provided, and other functional components (not shown) may be further provided according to the intention of those skilled in the art.

The control unit 305 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and includes a predetermined program routine for providing a function specific to the mobile phone 300 from a predetermined memory device. And a bus for inputting and outputting a routine or program data and a predetermined electronic circuit (or an integrated circuit) provided therefor, and software-loaded from a predetermined memory device or chipset to the execution memory. A general term of program routines or program data that are computed and processed by the processor to perform a specific function. A program routine is shown as being provided in the control unit 305 for convenience. As described above, various functions to be implemented in the mobile phone 300 may be realized by the controller 305, and in order to realize the above functions, the overall operation of the mobile phone 300 may be controlled and Characterized in that the management.

In particular, when power is input to the mobile phone 300 to perform a function of the control unit 305 for controlling and managing the overall operation of the mobile phone 300, an operating system routine and a system management routine stored in a predetermined memory device. Or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, or a mobile communication service.

The screen output unit 110 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 135 by the controller 105 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;) and various information, signals, or contents (e. G., Text content, image content, or multimedia content) extracted or generated in the course of performing a predetermined function of the mobile phone 100, And a screen output device (eg, an LCD panel). The screen output unit 110 and the screen output device interoperate with each other. Do this.

According to the exemplary embodiment of the present invention, the screen output unit 110 inputs at least one key input through the key input unit 120 while the mobile phone 100 performs a financial transaction service function using a customer's card. Data or at least one or more information (or data) extracted by the mobile phone 100 from the memory unit 135 for the financial transaction (for example, ATM financial transaction interface information for each financial institution) or the mobile phone 100 is provided with the financial information. Corresponds to at least one or more information (or data) read from the customer card through the card interface or a predetermined operation result performed by the mobile phone 100 for the financial transaction through the ATM financial transaction interface for each institution. And outputting the information (or data) to the screen output device.

As a result, the screen output unit 110 preferably outputs a processing screen for each step for the financial transaction using the customer's card.

The sound processor 115 encodes a predetermined sound signal input from a microphone included in the mobile phone 100 to provide it to the controller 105 or a predetermined sound extracted or generated by the controller 105. A signal is decoded and output through a speaker. To this end, the sound processor 115 includes a predetermined vocoder and a codec.

The sound processor 315 performs a function of a sound input unit provided in the mobile phone 300 through the microphone, or the sound output unit provided in the mobile phone 300 through the sound processor 315 and a speaker. Perform the function.

The wireless processing unit 330 is associated with the control unit 305 (e.g., a program routine for providing a mobile communication service) to register a location or a slot mode, a power control, or a hand-off. It provides a mobile communication service including an off) or call processing (Call Processing) process, and performing the transmission and reception of radio frequency signals with the base station corresponding to the end of the mobile communication network in the process of providing the mobile communication service RF processing functions (eg, antenna control, modulation, synthesis, amplification or filtering of radio frequency signals) are further included. In particular, the wireless processing unit 330 processes the information or signal transmitted from the mobile phone 300 to the base station in the CDMA stack or from the CDMA stack received from the base station to provide the mobile communication service and the financial transaction service. It is characterized by providing a function for reading out predetermined information or signals.

According to an embodiment of the present invention, the wireless processing unit 330 is a predetermined card information read from the RFID reader and the key input through the key input unit 335 in the process of performing a financial transaction through the ATM interface screen A function of wirelessly transmitting input information to a base station on a mobile communication network to which the cellular phone 300 is connected, and a function of wirelessly receiving a response (or a result) for a financial transaction from the base station through the ATM interface screen. The mobile phone 300 may be further provided with a response (or result) to the ATM financial transaction from a server side (eg, a payment server) on a wireless network including the mobile communication network. .

According to another embodiment of the present invention, if the cellular phone 300 of FIG. 3 is a wireless data communication terminal, the wireless processing unit 330 accesses a wireless data communication network and performs predetermined wireless data communication for financial transactions through the ATM interface screen. If the cellular phone 300 of FIG. 3 is a portable Internet terminal, the wireless processing unit 330 accesses a portable Internet network to provide a financial transaction through the ATM interface screen. And a functional configuration for providing a portable Internet service (eg, wireless data communication, or voice over IP (VoIP) based voice call).

According to the present invention, the wireless processing unit 330 is at least one with a predetermined server (eg, payment server, etc.) through the mobile communication network in the process of the mobile phone 300 performs a predetermined function for the ATM financial transaction. The above communication channel is connected, and information (eg, financial transaction request information) for the ATM financial transaction is transmitted to the server through the communication channel.

The key input unit 335 includes a predetermined keypad including at least one key button including a predetermined number key, a character key, or a function key. Detects information (or a signal) input from the predetermined key, and selects a predetermined information (or signal) from a predetermined key button provided in the keypad in a specific input mode or operation mode of the mobile phone 300 controlled by the controller 305. ), A key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305. The controller 305 reads predetermined key data corresponding to the key event in the current input mode or operation mode of the mobile phone 300 (eg, each mobile phone 300 input mode or the like). Reads the key data in the key event from a key table that stores (manages) at least one key data corresponding to a specific key event in the operation mode, or executes a predetermined function matched with the key event. It is characterized by reading the. The keypad having the key input unit 335 and at least one key button interlocks with each other to perform a function of a key input unit provided in the mobile phone 300.

According to the method of the present invention, the key input unit 335 preferably performs an information input function of each step for financial transactions through the ATM interface screen, and in particular, the key input unit 335 requests the financial transaction. It is desirable to provide a function of a key input means for inputting information (eg, financial transaction type, financial transaction amount, etc.).

The memory unit 345 is input / output information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the mobile phone 300 is performed. Or a general term for a memory device for storing data; read only memory (ROM) corresponding to read-only memory, flash memory (FM), and electrically erasable and programmable read only memory (EEPROM). And the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores an operating system routine, a call processing program routine, an application program routine provided through the mobile phone 300, information or data therefor, and the like. The EEPROM stores terminal registration related parameters and a phone number (eg, an address book) or at least one or more information or data extracted or generated while executing an application provided in the mobile phone 100.

According to the exemplary embodiment of the present invention, the memory unit 345 may store the customer information in advance. In this case, the process of inputting the customer information through the key input unit may be performed in the memory unit 345. It may be replaced by a process of extracting the stored customer information, thereby not limited to the present invention.

In addition, according to the embodiment of the present invention, the memory unit 345 is characterized in that the ATM financial transaction interface information for each financial institution is stored, the ATM financial transaction interface for each financial institution stored in the memory unit 345 is The screen is output through the screen output unit 110 according to a financial institution corresponding to the card read through the card interface.

In addition, according to an embodiment of the present invention, the memory unit 345 stores ATM financial transaction interface information for each of the corresponding cards (eg, cash / debit / check / credit card, etc.). The ATM financial transaction interface for each corresponding card stored in 345 is output through the screen output unit 310 in response to a card read through the card interface 315.

The RFID reader 320 performs a function of an RFID reader that reads predetermined RFID information from a predetermined RFID tag in the mobile phone 300, and the internal functional configuration of the RFID reader is It depends on the functional configuration of the tag or the frequency band used by the RFID tag. In the present invention, a functional configuration of an RFID reader and an RFID tag including a preferred embodiment will be described with reference to FIG. 4 below.

According to another exemplary embodiment of the present invention, the mobile phone may further include a card interface capable of reading card information from a customer card.

The card interface (not shown separately) provides an interface for reading at least one or more information or data included in a predetermined card to realize ATM financial transaction processing on the mobile phone. MS interface providing an interface between an MS (Magnetic Stripe) card and the terminal device based on the 7810 standard, and / or a contact IC providing an interface between the contact IC card and the terminal device based on the ISO / IEC 7816 standard. Interface, and / or a contactless IC interface providing an interface between the contactless IC card and the terminal device based on the ISO / IEC 14443 standard.

The MS interface is a card interface based on ISO / IEC 7810. The MS interface includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary data). Is stored in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), and a predetermined electrical signal is loaded onto the magnetic head. By interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the terminal device.

The contact IC interface is a card interface based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. Supplying power to the IC chip of the IC card through a contact point and interfacing predetermined information or data from the IC chip to the terminal device through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized by.

The contactless IC interface is a card interface based on ISO / IEC 14443, and includes at least one antenna which makes contactless electrical contact with a contactless IC card by using capacitive coupling and / or inductive coupling. And supplying power to the IC chip of the IC card through the antenna, and interfacing predetermined information or data from the IC chip to the terminal device through the half duplex transaction using an APDU. It features.

Referring to FIG. 3, the mobile phone 300 may interface with the screen output unit 310 to output an interface screen for a financial transaction through a financial transaction screen identical or similar to an ATM financial transaction screen of each financial institution ( 350, an information input unit 355 that receives the financial transaction request information in association with the key input unit 335, and an information reader 360 that reads card information from the customer card in association with the card interface. And an information transmitter 315 for transmitting the card information read through the information reader 360 and the financial transaction request information input through the information input unit 355 to a server on a network, and the server 300. It characterized in that it comprises an information receiving unit 310 for receiving the financial transaction processing information corresponding to the financial transaction request information from.

The interface unit 350 outputs a predetermined menu (or screen) for a financial transaction to the screen output unit in association with the screen output unit 310 and the financial transaction menu in conjunction with the key input unit 335. Is periodically checked (or in response to a menu selection event).

According to an embodiment of the present invention, when the financial transaction menu is selected, the interface unit 350 outputs a first screen including a card reading request screen to the screen output unit in cooperation with the screen output unit 310. It is characterized by that.

In addition, according to the embodiment of the present invention, when the card information is read through the RFID reader unit 320, the read card type is checked, and when the read result is the credit card, the interface unit 350 ) Outputs a second screen including at least one credit card transaction menu item, and outputs a second screen including an account transaction related menu item when the read card is a check (or debit or cash) card. Characterized in that.

In addition, according to the exemplary embodiment of the present invention, if any one of the credit card transaction menu item or the account transaction related menu item is selected on the second screen, the interface unit 350 displays a third screen corresponding to the selected menu item. It is characterized by outputting.

According to the method of the present invention, the items (or information) output on the screens for each step may be configured in various ways for each financial institution, and it is possible to output up to the Nth screen due to the nature of financial transactions.

According to the method of the present invention, on the second screen, the credit card transaction menu item includes at least one or more cash service, balance inquiry, etc., and the account finance transaction related menu item includes withdrawal, balance inquiry, account transfer, etc. It is preferable to include at least one.

According to the exemplary embodiment of the present invention, it is preferable that the cash service request amount of the credit card transaction menu item can be input (or selected) on the third screen.

In addition, in the balance inquiry of the credit card transaction menu item, the credit card cash service balance limit is outputted, and in the case of withdrawal of the account finance transaction related menu item, the withdrawal amount may be input (or selected). It is desirable to.

In addition, in the balance inquiry of the account financial transaction related menu item, it is preferable to output the deposit balance result.

In addition, in the case of the account transfer of the menu item related to the banking transaction, it is preferable to input (or select) the remittance target information-the remittance target bank (code), the remittance amount, the remittance target customer name, and the like.

According to another exemplary embodiment of the present invention, the interface unit 350 may output a financial transaction interface screen corresponding to the type of the card read through the RFID reader 320.

For example, when the card read through the card interface 315 is a cash card, the interface unit 350 checks (or extracts) ATM interface information corresponding to the cash card from the memory unit 345, When the card read through the screen output unit 310 and the card read through the card interface 315 is a credit card, the ATM interface information corresponding to the credit card is confirmed from the memory unit 345 (or Extraction) to be output through the screen output unit 310.

In addition, according to another exemplary embodiment of the present invention, the interface unit 350 may output an ATM financial transaction interface screen corresponding thereto according to the issuer of the card read through the card interface 315. .

For example, when the card read through the card interface 315 is a card of a financial institution, the interface unit 350 confirms from the memory unit 345 the same or similar interface information as the ATM of the financial institution A. (Or extract) it is preferable to output through the screen output unit 310.

When the ATM financial transaction interface corresponding to the read card is output to the screen output means through the interface unit 350, the information input unit 355 cooperates with the key input unit 335 to perform the financial transaction (eg, , Inquiry, transfer, etc.) characterized in that the request information is received.

According to another exemplary embodiment of the present invention, when predetermined customer information necessary for the financial transaction is pre-stored in the memory unit 345, the information input unit 355 may be configured to request the financial transaction from the memory unit 345. Performs the function of the information extraction unit for extracting the customer information of, by which the present invention is not limited.

When the ATM financial transaction interface is output to the screen output means through the interface unit 350, the information reader 360 interoperates with the RFID reader 320 to read card information from the customer card. It is characterized by.

According to the exemplary embodiment of the present invention, the information reader 360 provides the read card information to the interface unit 350 so that the RFID reader unit 320 provides a financial transaction interface corresponding to the provided card information. It characterized in that to output the.

When the customer card information is read through the RFID reader 320 and predetermined financial transaction request information is input through the information input unit 355, the information transmitting unit 365 receives the information reading unit 360. The customer card information read through) and the financial transaction request information input through the information input unit 355 are transmitted to a server on a network.

According to an exemplary embodiment of the present invention, the information transmitter 365 transmits the card information and the financial transaction request information to the server through a wireless Internet access method, and for this purpose, the information transmitter 365 The wireless processor 330 connects the communication channel with the server for a wireless Internet connection and transmits the card information and the financial transaction request information to the server through the wireless Internet.

According to another exemplary embodiment of the present invention, the information transmitter 365 may transmit the card information and the financial transaction request information through a predetermined wireless message (eg, a Short Message Service (SMS) or a Multimedia Messaging Service (MMS)). It is preferable to transmit to the server, for this purpose, the information transmitter 365 may process the card information and the financial transaction request information in the wireless message structure to transmit to the server.

The server receiving the card information and the financial transaction request information processes the financial transaction based on the card information and the financial transaction request information, and stores the financial transaction processing details in a predetermined storage medium, and the financial transaction processing result. To transmit to the mobile phone (300).

The information receiving unit 370 may receive the ATM financial transaction processing result from the server, and the financial transaction processing result is output through the screen output unit 310.

4 is a simple diagram of a functional configuration between an RFID reader and an RFID tag according to an embodiment of the present invention.

In more detail, Figure 4 shows a preferred functional configuration for the functional configuration between the RFID reader provided in the wireless terminal shown in Figure 1 or 3 and the RIFD tag attached to the customer card, the present invention Those skilled in the art may refer to or modify this drawing 4 to provide various functions of functional configuration between the RFID reader provided in the wireless terminal shown in FIG. 2 or 3 and the RIFD tag attached to the customer purchase product. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

The RFID tag is generally configured to include an IC chip and an antenna circuit, and according to the intention of the person skilled in the art or the field to which the RFID tag is applied or whether the RFID tag is applied or passive or active, or the frequency domain (or frequency modulation method), It can be implemented in various ways, from a simple RF chip equipped with a predetermined logic element and a memory element to an IC chip for a contactless IC card. The functional configuration of the RFID tag shown in FIG. As for the MCU (MicroController Unit) block, it is to be understood that the functional configuration of the RFID tag for achieving the present invention is not limited to the case of FIG.

Referring to FIG. 4, the RFID tag transmits and receives (or receives an energy source (power)) a radio frequency signal (radio wave) of a predetermined frequency band from an RFID reader (see FIG. 4). For convenience, it is shown as an external type), a memory unit 475 for storing predetermined unique information, a clock generator 460, a power supply unit 465, an instruction detector 470, an encoder unit 480, , A modulation procedure unit 485 and a modulation switch unit 490, wherein the memory unit 475 of the RFID tag is EPC (Electronic Product Code) or U-code or ISO / IEC 15963 or the intention of a person skilled in the art (or Unique information including an arbitrary code value according to an application field) is stored according to a predefined memory structure.

In addition, the power supply unit 465 generates a predetermined power having a predetermined voltage value from a radio frequency signal received through the antenna unit 455 in the case of a passive RFID tag or charges a predetermined power in the case of an active RFID tag. The power is supplied to the entire RFID tag.

In addition, the clock generator 460 generates a predetermined clock based on a radio frequency signal input from the antenna unit 455, and the command detector 470 generates a radio frequency input from the antenna unit 455. A predetermined command is detected from the signal, and predetermined unique information is extracted from the memory unit 475 by the clock and the command and provided to the encoder unit 480. The unique information encoded by the encoder unit 480 is modulated by the modulation switch unit 490 on the basis of a predetermined modulation procedure by the modulation procedure unit 485 and is then transmitted through the antenna unit 455. Is sent to the RFID reader.

According to a preferred embodiment of the present invention, the memory unit 475 may be a read-only memory (eg, ROM (Read Only Memory)) or a read / write memory (eg, EEPROM (Electrically Erasable and Programmable Read Only Memory), FM ( Flash memory, random access memory (RAM) or at least one write once read many (WORM) memory is preferably included.

The RFID reader includes an electronic circuit that emits or receives a predetermined radio wave toward an RFID tag, an antenna that emits or receives a radio wave of a specific frequency to the RFID tag in association with the electronic circuit, and a signal received from the RFID tag. It is common to include a microcontroller 415 for reading (Signal) to extract and check the predetermined data, the functional configuration provided in the RFID tag or the application field of the RFID system (for example, logistics / distribution Field, manufacturing industry, medical / animal management field, etc.), or a function configuration for storing the data, or a function configuration for transmitting the data to a predetermined information processing terminal (or server). The functional configuration of the RFID reader shown in FIG. 4 is for an RFID reader interacting with an RFID tag, and RF for achieving the present invention. It is to be understood that the functional configuration of the ID reader is not limited to the case of FIG.

Referring to FIG. 4, the RFID reader includes an oscillation unit 410 and an antenna unit 425 for radio frequency signals to be emitted (transmitted) through the antenna unit 425 (shown as an external type for convenience in FIG. 4). The microcontroller 415 for controlling the radio frequency signal transmission through the power amplifier 420 and the antenna unit 425 for amplifying the power to emit (transmit) the radio frequency signal through the antenna unit And a peak detector 430 that detects a peak from a radio frequency signal received from the RFID tag, and amplifies the peaking unit 445 or the peak shaping the detected peak. And an amplifying unit 440 for amplifying or a filter 435 for filtering the peaks. In particular, the microcontroller 415 preferably further includes a function of reading and reading (decoding) predetermined data from the peak (for example, a stylized or amplified or filtered peak), and the data is the RFID reader. It is stored in or provided to a predetermined information processing terminal (or server) that performs information processing on the data.

According to a preferred embodiment of the present invention, the radio frequency signal transmission and reception between the RFID reader and the RFID tag is performed by amplitude shift keying (ASK), frequency shift keying (FSK), and phase shift keying (PSK). It is preferable that the at least one modulation scheme is included. The technical concept of the present invention is not limited to the radio frequency signal transmission / reception scheme between the RFID reader and the RFID tag.

5 is a diagram illustrating an operation process of the mobile phone 300 according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows that the cellular phone 300 shown in FIG. 3 reads predetermined RFID information (eg, card information, etc.) from an RFID tag attached to a customer card, and through the read card information, ATM banking. As an implementation method for an operation process of a mobile phone 300 for performing a transaction, a person having ordinary knowledge in the art to which the present invention pertains refers to or modifyes the RFID information (for example, card information, etc.) of the customer card by referring to or modifying FIG. It will be able to infer various implementation methods for the operation process of the mobile phone 300 to perform ATM financial transactions using the), but the present invention includes all the inferred implementation methods, thereby the present invention is not limited.

Hereinafter, in FIG. 5, the mobile phone 300 shown in FIG. 3 is referred to as a “terminal” for convenience.

Referring to FIG. 5, the terminal has a voice call service through a voice call channel or a data communication function through a data communication channel, in addition to an ATM financial transaction service according to the present invention. Periodically (500 in response to a key input event) to check whether the ATM financial transaction mode according to the present invention is selected through a predetermined key input.

If the operation mode of the terminal is not confirmed that the ATM financial transaction mode according to the present invention is selected (505), the terminal provides each service (eg, call, text message, etc.) corresponding to each operation mode ( 510).

On the other hand, if it is confirmed that the operation mode of the terminal is selected as the ATM financial transaction mode according to the present invention (505), the terminal outputs a predetermined ATM financial transaction interface screen (515).

According to an embodiment of the present invention, the ATM financial transaction interface screen is provided with a user interface for reading a predetermined RFID reader from an RFID tag attached to a customer card through a predetermined RFID reader provided in the terminal, or provided in the terminal. And a user interface for inputting the financial transaction request information (eg, financial transaction type, financial transaction amount, etc.) through a predetermined key input means.

When the ATM financial transaction interface screen is output as described above, the terminal requests to read the RFID information (eg, card information, etc.) of the customer card through the ATM financial transaction interface screen (520), and the predetermined terminal provided in the terminal The RFID reader checks whether the RFID information (eg, card information, etc.) of the customer card is read (525).

If the RFID information (eg, card information, etc.) of the customer card is read (530), the terminal receives financial transaction request information (eg, financial transaction type, financial transaction amount, etc.) for the ATM financial transaction through the key input unit. Request input (or selection) ().

According to an exemplary embodiment of the present invention, the financial transaction request information may be variously configured according to the financial transaction type (eg, transfer, inquiry, etc.), and the financial transaction request information input (or selection) process may be performed by the financial transaction. It can be done repeatedly in the process of performing.

When the financial transaction request information is input (or selected) (540), the terminal transmits the RFID information (for example, card information) and the financial transaction request information to a server on a network, and the RFID information (card information) from the server. And the processing result for the financial transaction based on the financial transaction request information (545).

According to an embodiment of the present invention, the terminal transmits the RFID information (card information) and financial transaction request information to the server through a wireless Internet method, or via the wireless message including at least one SMS / MMS. It is preferable to transmit the RFID information (card information) and financial transaction request information to a server.

If the processing result for the financial transaction based on the customer card information (RFID information) and the financial transaction request information is received from the server (550), the terminal outputs the screen of the financial transaction processing result provided in the terminal. Output through means (555).

6A, 6B, and 6C are diagrams illustrating a wireless terminal screen for an operation process of a wireless terminal having an ATM financial transaction function according to an exemplary embodiment of the present invention.

6a, 6b, and 6c show the card information from the customer card through a card interface (or RFID reader) provided in the wireless terminals 300 and 300 shown in FIGS. According to an embodiment of the present invention, a screen output on the screen of the wireless terminal in a process of performing a financial transaction (eg, inquiry, transfer, etc.) that can be processed by an existing ATM through the wireless terminal based on the acquired card information is provided. As illustrated, those of ordinary skill in the art to which the present invention pertains, ATM financial transaction process using the wireless terminal shown in Figures 1 or 3 by referring to or modifying the drawings 6a, 6b and 6c. It will be able to infer a variety of, whereby the present invention is not limited.

Referring to FIG. 6A, an example of a wireless terminal screen output in a process of reading card information (eg, card number, etc.) from a customer card through a card interface or an RFID reader provided in the wireless terminal illustrated in FIGS. 1 or 3 is described. It is also.

Referring to FIG. 6B, a wireless terminal for inputting financial transaction request information for a predetermined ATM financial transaction after reading card information from a customer card through a card interface or an RFID reader provided in the wireless terminal through FIG. 6A An example screen is shown.

According to the embodiment of the present invention, the financial transaction interface for ATM financial transactions may be configured in the form of an ATM menu, as shown in FIG. 6B, and the output of the detailed menu is determined according to whether the corresponding menu is selected (or input). It may be possible.

Referring to FIG. 6C, in the case of selecting and executing “deposit inquiry” on the screen illustrated in FIG.

According to the present invention, by providing a financial transaction interface widely used by a customer such as an ATM through a customer mobile phone, the customer can easily perform a financial transaction through the mobile phone.

In addition, there is an advantage that can reduce the ATM transaction fees due to mobile phone financial transactions.

Claims (3)

Outputting a card reading request screen on the first screen; When the card is read through the card interface, the read card type is checked, and when the read card is a credit card, at least one credit card transaction menu item is output on the second screen, and the read card is In the case of a check (or debit or cash) card, outputting an account transaction related menu item; And If any one of the credit card transaction menu item or the account transaction related menu item is selected, outputting a third screen corresponding to the selected menu item; financial transaction in a mobile phone with a card interface comprising a How to display. The method of claim 1, wherein on the second screen, The credit card transaction menu item includes at least one cash service, balance inquiry, and the like. Account financial transaction related menu item, withdrawal, balance inquiry, account transfer, etc. The financial transaction screen output method on a mobile phone with a card interface, characterized in that comprises at least one. The method of claim 1, wherein on the third screen, In the case of the cash service of the credit card transaction menu item, it is possible to input (or select) the cash service request amount, In the case of checking the balance of the credit card transaction menu item, the credit card cash service balance limit is output. In the case of withdrawal of the menu item related to the banking transaction, the withdrawal amount can be input (or selected), In the case of checking the balance of the account financial transaction related menu item, the deposit balance result is outputted. In the case of bank transfer of the menu item related to the banking transaction, the card interface, characterized in that it is possible to input (or select) the remittance target information-the remittance target bank (code), the remittance amount, the transfer customer name, etc. Financial transaction screen output method in a mobile phone equipped with.

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