KR20100037067A - Mobile devices with function of applying for mobile exchange - Google Patents

Abstract

PURPOSE: A mobile phone which has a mobile money exchange applying function is provided to enable users to process money exchange work without considering time or space by providing a money exchange function to a mobile phone. CONSTITUTION: A mobile phone(105) provides fixed money exchange application information and account information for money withdrawal corresponding to a money exchange application. A money exchange processing server(100) is connected to a financial server corresponding to account information from the mobile phone. The money exchange processing server authenticates the validity of an account. The money exchange processing server performs a money exchange process corresponding to money exchange application information.

Description

Mobile Device with Function of Applying for Mobile Exchange}

The present invention provides a financial IC chip having account (or card) information for withdrawing money corresponding to an exchange request, a reading unit for reading account (or card) information from the financial IC chip at the time of an exchange request, and the reading. Interface for transmitting additional exchange information, including additionally read account (or card) information, currency type and currency exchange amount information, and a currency exchange process corresponding to the currency exchange request from the server in the interface. When receiving the history information, relates to a mobile phone with a mobile currency exchange request function having an output unit for outputting the received currency exchange history information.

In general, when a customer goes out of the country, the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.). Or, after performing a currency exchange procedure on the Internet, it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.

Therefore, in the conventional currency exchange service, the customer has to be inconvenient to visit the corresponding point in order to receive the money exchange request and / or money exchange request amount. And, if the exchange window is complicated, the customer had to take more time damages.

In addition, there was an inconvenience of having to carry out the exchange processing history until the exchange of money received, there was also the hassle to reprint if lost, it is time to find a more convenient and simple exchange service from the customer's point of view.

An object of the present invention is to provide a financial IC chip having account (or card) information for withdrawal of money corresponding to a currency exchange request, a reader for reading account (or card) information from the financial IC chip at the time of currency exchange application; An interface for transmitting predetermined exchange request information including the account (or card) information read out by the reader, information on the type of currency to be exchanged, and the exchange request amount information to a server, and a predetermined corresponding to the exchange request from the server at the interface; In the case of receiving currency exchange processing history information, the present invention provides a mobile phone with a mobile currency exchange request function having an output unit for outputting the received exchange processing history information.

A mobile phone equipped with a mobile currency exchange function according to the present invention includes a financial IC chip having account (or card) information for withdrawing money corresponding to a currency exchange request, and an account (or card) from the financial IC chip at the time of currency exchange application. An interface for transmitting information to the server, the readout unit for reading information, the account (or card) information read out from the reader, information about the type of currency to be exchanged and information on the money exchange request amount; When receiving from the predetermined exchange processing history information corresponding to the exchange request from the output unit is provided with an output unit for outputting the received exchange processing history information.

According to the present invention, the interface further transmits member information including a user account (ID) and a password to the server, further transmits predetermined authentication certificate information to the server, or the wireless terminal to the server. IC chip information, including IC chip serial number or IC chip unique code stored in the IC chip mounted on or detached from the IC chip or user's unique information stored in the IC chip, is further transmitted, or a social security number or name or a driver's license to the server. Transmits personal information including a number or health insurance number, or sends the wireless terminal user's fingerprint, hand shape, iris, voice, face, signature, retina, vein shape and DNA (Deoxyribo Nucleic Acid) to the server. Further transmitting biometric information including at least one, or exchange date information corresponding to the exchange request or exchange office to the server It further comprises at least one or more account information or account-specific information and / or account holder information of the account to which the money exchanged in response to the exchange request to the server transfers to the server or the account information or financial institution information corresponding to the account Account information is further transmitted.

According to the present invention, the mobile phone further transmits money exchange date information corresponding to the money exchange request from the interface to the server, and corresponds to the money exchange processing history information or currency exchange details on or before the money exchange date from the server. When receiving the predetermined code information or the virtual account (or card) information in which the exchanged amount of money has been deposited, upon withdrawal of the exchanged amount of money, the exchange corresponding to the currency exchange history information or the details of currency exchange processing is exchanged to the exchange office. It is characterized in that it further comprises a short-range communication means for transmitting the predetermined code information or the virtual account (or card) information in which the exchanged amount of money is deposited.

According to the present invention, by providing a currency exchange process using a mobile, there is an advantage that the user can apply for a currency exchange service more conveniently using a wireless terminal and the like owned without restriction of time or space.

In addition, there is an advantage that the exchange service can be processed in a short time as compared to the exchange service through the existing landline or direct visit.

In addition, operators (for example, financial institutions, etc.) by providing a simpler and faster currency exchange services to users in a wireless environment, it is possible to secure more users of currency exchange services, thereby preoccupying the edge in the increasingly increasing exchange service market. There is an advantage.

1 is a view showing a schematic configuration of a preferred mobile currency exchange system according to the present invention.
2 is a view showing a functional configuration of a preferred mobile currency exchange server according to the present invention.
3 is a diagram showing the functional configuration of a preferred wireless terminal according to the present invention.
Figure 4 is a simple flow chart for a mobile currency exchange application process according to a preferred embodiment of the present invention.
5 is a view illustrating a mobile exchange request wireless terminal screen according to a preferred embodiment of the present invention.
Figure 6 is a simple flow diagram for a mobile currency exchange application process according to another embodiment of the present invention.
7 is an exemplary view of a mobile exchange request wireless terminal screen according to another embodiment of the present invention.

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 the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. 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.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred mobile currency exchange system according to the present invention.

Referring to Figure 1, the mobile currency exchange application system according to the present invention, the money exchange corresponding to the currency exchange request information and the money exchange request information, including the currency type and money exchange value information of the currency to be exchanged to the currency processing server 100 on the network The account (or terminal) in conjunction with the wireless terminal 105 for providing account (or card) information for withdrawal and the financial server (or terminal) corresponding to the account (or card) information provided from the wireless terminal 105 And a currency exchange processing server 100 for authenticating the validity of the card) and performing currency exchange processing corresponding to the exchange request information.

Here, the exchange request information, the exchange request user information, selection information of the kind of exchange preferential services to be provided when the exchange request, exchange date information and / or exchange branch information corresponding to the exchange request, and the exchange request And at least one or more account information of the account to which the exchanged amount is transferred, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred. have.

Here, the network connecting the wireless terminal 105 and the exchange processing server 100 may include a base transceiver station (BTS) connected to the wireless terminal 105 through a wireless section to connect a predetermined wireless path. And a base station that connects the base station (BTS) and a radio switching center (MSC) to be described below through a wired section and controls a network control process such as polling, selection, and recovery. A wireless switching center (MSC) that forms an access point for user traffic between a BTS System Controller (BSC) and a mobile telecommunications network and another mobile switching center (MSC) on a public telephone network, the same or another mobile communications network, Home Location Register (HLR) / Visitor Location Register (VLR) for registering subscriber location and / or visitor location subscribed to the mobile communication network, and Packet Data Service Node (PDSN; P) performing packet data service. acket Data Sevice Node).

The wireless terminal 105 shown in FIG. 1 includes at least one or more of a mobile phone, a PDA and a portable Internet phone. In providing to the exchange processing server 100, by connecting to the exchange processing server 100 through the network to provide the information and / or provided with a predetermined program interlocked with the exchange processing server 100 In addition, the information may be provided to the exchange processing server 100 through execution of the program.

In this case, the wireless terminal 105 is connected to the exchange processing server 100 via the network to provide the exchange request information and money withdrawal account (or card) information, such as WAP (Wireless Application Protocol) It is preferable that the Internet web browser is driven and connected by an access code (eg, URL) of the currency exchange processing server 100.

In addition, when the exchange request information and the money withdrawal account (or card) information is provided to the exchange processing server 100 through a predetermined exchange processing program provided in the wireless terminal 105, the program exchanges the currency. A function of providing a selection and / or input interface for requesting information, a function of selecting and / or inputting an account (or card) information for withdrawal of money corresponding to the exchange request, and a function for responding to the exchange request A function of reading account (or card) information for money withdrawal from an IC chip mounted and / or detached from the wireless terminal 105, transmitting the information to the exchange processing server 100, and The virtual account (or car) in which predetermined code information and / or the exchanged money amount corresponding to the exchange processing history information and / or the exchange processing history are received from the exchange processing server 100. E) a function of receiving the information, the exchange accounting history information received from the currency exchange processing server 100 and / or the predetermined code information corresponding to the currency exchange history and / or the virtual currency in which the converted money amount is deposited ( Or card) information and / or stored in a predetermined memory (or IC chip), and a function for authenticating the user of the wireless terminal, and performing the function in the wireless terminal 105. By executing, the exchange request information and the money withdrawal account (or card) information may be provided to the exchange processing server 100.

Here, the currency exchange processing program provided in the wireless terminal 105 is a mobile currency exchange application for the mobile currency exchange, which is predetermined process software (S / W) for performing the above-described functions, and is a virtual machine. Can be driven on.

In addition, referring to Figure 1, the exchange processing server 100, in order to perform the mobile currency exchange processing operation according to the present invention, interworking with the wireless terminal 105, the wireless terminal 105 and / or the wireless Validity of the terminal user can be authenticated.

In addition, when the mobile currency exchange process is performed according to the present invention, the currency exchange processing server 100 performs a predetermined currency exchange history corresponding to a result of the exchange process performed by the wireless terminal 105 and / or the wireless terminal user. Information and / or the account (or card) information may be stored in a predetermined storage medium 110 in association with the information, and / or in the predetermined currency exchange history information and / or currency exchange history corresponding to a result of the exchange process. Corresponding predetermined code information and / or virtual account (or card) information in which the exchanged amount of money is deposited may be transmitted to the wireless terminal 105.

In addition, according to the present invention, the exchange processing server 100 may be composed of a single server, and / or a complex of a plurality of servers and / or a terminal for executing each function, financial company server, card company At least one server, VAN server, a mobile communication server, the server on the network characterized in that it comprises.

Further, according to the present invention, the illustrated mobile currency exchange application system while ensuring the portability and / or mobility (Mobility) to the wireless terminal 105 the exchange processing details processed by the currency exchange processing server 100 Certain message centers (e.g., Short Message Service Center (SMSC) for SMS and / or Enhanced Message Service Center (EMSC) for EMS and / or MMSC for MMS) on the network for reliable transmission and / or management (Multimedia Message Service Center)).

2 is a view showing the functional configuration of the preferred mobile currency exchange server 100 according to the present invention.

This figure illustrates in more detail the mobile currency exchange processing server 100 shown in FIG. 1 as described above. As shown in the drawing, the currency exchange processing server 100 exchanges money from the user's wireless terminal 105. An interface unit 205 for receiving predetermined exchange request information including currency type and currency exchange amount information and account (or card) information for withdrawing money corresponding to the exchange request; and received through the interface 205. In connection with a financial server (or terminal) corresponding to one account (or card) information, it is determined whether the amount of money corresponding to the exchange request can be withdrawn from the account (or card), and the exchange request is made from the account (or card). If it is possible to withdraw the amount corresponding to the currency exchange processing unit 215 for performing a currency exchange processing corresponding to the currency exchange request, and the exchange processing processed through the currency exchange processing unit 215 A storage unit 220 and each component to store a station in a predetermined storage medium 110 in association with the wireless terminal 105 and / or the wireless terminal user information and / or the account (or card) information. It may be configured to include a control unit 200 for controlling.

In addition, the exchange processing server 100 provides the account (or card) and the exchange request information to a financial server (or terminal) corresponding to the account (or card) in conjunction with the interface unit 205. And, it may be configured to further include an authentication processing unit 210 for receiving information whether the money withdrawal corresponding to the exchange request from the financial server through the account (or card).

According to the present invention, the interface unit 205 may interwork with the authentication processing unit 210 to process the login process of the wireless terminal 105 of the currency exchange user, and the wireless terminal 105 and // Alternatively, validity authentication may be performed for the wireless terminal user.

For example, the interface unit 205 may include a user account (ID) and a password from the wireless terminal 105 through the network when the wireless terminal user is a member registered in the currency exchange processing server 100. After receiving the member information, the member information including the user account (ID) and password of the registered wireless terminal user may be checked to authenticate the validity of the wireless terminal 105 and / or the wireless terminal user. have.

In addition, when the radio unit information is stored in advance, the interface unit 205 uses the radio terminal information including the number and / or the unique serial number of the radio terminal 105, so that the radio terminal 105 is stored. And / or validity of the wireless terminal user.

In addition, the interface unit 205, after receiving predetermined authentication certificate information from the wireless terminal 105, by using the certificate, the validity of the wireless terminal 105 and / or the user of the wireless terminal. You can authenticate.

The interface unit 205 is an IC chip mounted or detached from the wireless terminal 105 to the wireless terminal 105 when the wireless terminal 105 includes a predetermined IC chip 340. By using the IC chip information including the IC chip serial number and / or IC chip unique code stored in the 340 and / or user specific information stored in the IC chip 340, the wireless terminal 105 and / or the Validity of the wireless terminal user can be authenticated.

In addition, the interface unit 105, when predetermined personal information of the wireless terminal user is stored in advance, the resident registration number and / or name, and / or driver's license number of the wireless terminal user from the wireless terminal 105 After receiving the personal information including the health insurance number, and / or, the personal information may be used to authenticate the validity of the wireless terminal 105 and / or the wireless terminal user.

In the interface unit 205, predetermined biometric information of the user of the wireless terminal is registered in advance, and the biometric information input means capable of inputting user biometric information is provided in the wireless terminal 105. After receiving the biometric information including at least one of fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the wireless terminal user, from the wireless terminal 105, The biometric information may be used to process a login process and / or a validity authentication process of the wireless terminal 105.

In addition, according to the present invention, the interface unit 205, when the wireless terminal 105 is connected to the exchange processing server 100 to process the exchange request, when the wireless terminal 105 is connected, The wireless terminal 105 may provide a predetermined exchange request interface for selecting and / or inputting the exchange request information.

In addition, according to the present invention, the interface unit 205 is provided with the financial IC chip 340 in which predetermined account (or card) information is recorded in the wireless terminal 105. In connection with the mobile exchange request according to the present invention, the account (or card) information for withdrawal of the amount corresponding to the exchange request recorded on the financial IC chip 340 provided in the wireless terminal 105 may be received. Can be.

Here, the financial IC chip 340 provided in the wireless terminal 105 preferably includes being mounted or detached from the wireless terminal 105.

In addition, according to the present invention, the interface unit 205, in conjunction with the wireless terminal 105, further receives the exchange date information and / or currency exchange branch information corresponding to the exchange request from the wireless terminal 105. can do.

In addition, the interface unit 205, in conjunction with the wireless terminal 105, the account information-account-specific information and / or account information of the account to which the amount of money exchanged in response to the exchange request from the wireless terminal 105 is transferred And account information including at least one or more account holder information and / or financial institution information corresponding to the account.

In addition, according to the present invention, the illustrated currency exchange processing unit 215, in conjunction with the financial server (or terminal) corresponding to the account (or card) information, exchange request information received through the interface unit 205 The amount corresponding to is to be withdrawn from the account (or card), and the amount exchanged in response to the withdrawal of the account (or card) is deposited into the virtual account (or card) forcibly allocated to the user of the wireless terminal 105. To process the payment, or to deposit the account (or card) specified by the user of the wireless terminal 105, or the account (or card) corresponding to the financial IC chip 340 provided in the wireless terminal 105 Deposit can be processed.

In addition, when the exchange unit 215 further receives the account information of the account through which the money exchanged in response to the exchange request from the wireless terminal 105 through the interface unit 205, the account ( Or with the financial server corresponding to the card) information and the financial server corresponding to the account information of the account to which the exchanged amount is transferred, so as to withdraw the amount corresponding to the exchange request information from the account (or card), The amount of money exchanged in response to the withdrawal of the account (or card) may be transferred to the account to which the money is exchanged.

In addition, the currency exchange processing unit 215 may perform a test takeover and internal accounting processing corresponding to the currency exchange processing.

In addition, the currency exchange processing unit 215 exchanges money by applying a predetermined exchange preferential rate applicable to the user of the wireless terminal 105 applying for currency exchange, and / or in conjunction with the interface unit 205, In response to a currency exchange process, predetermined points and / or miles may be provided to the user of the wireless terminal 105.

Further, according to the present invention, when the wireless terminal 105 is provided with a predetermined exchange processing program, the interface unit 205 exchanges the exchange from the wireless terminal 105 in response to the execution result of the program. Currency exchange shop information corresponding to the application can be further received, the exchange office history information and the wireless terminal 105 and the exchange processing history information processed through the currency exchange processing unit 215 to the currency exchange office server (or terminal) corresponding to the currency exchange application; And / or the wireless terminal 105 user information and / or the account (or card) information.

In addition, the interface unit 205 may further receive the exchange date information corresponding to the exchange request from the wireless terminal 105, in conjunction with a predetermined wireless message transmission center server, the day of the exchange date and / Alternatively, the wireless terminal 105 may transmit, to the wireless terminal 105, predetermined currency code information corresponding to the currency exchange history information and / or currency exchange history and / or virtual account (or card) information in which the exchanged amount of money has been deposited. .

In addition, the above-mentioned exchange request information, the information on the currency type and exchange request amount of the currency to be exchanged, in addition to the exchange request user information, selection information of the kind of exchange preferential services to be provided when the exchange request, Exchange date information and / or currency exchange branch information corresponding to the exchange request, account information of an account to which the amount of money exchanged corresponding to the exchange request is transferred, account holder information to which the exchanged amount is transferred, and the exchanged At least one financial institution information corresponding to the account to which the amount is transferred may be further included.

On the other hand, the illustrated exchange processing server 100 is characterized in that it comprises a recording medium, characterized in that for recording a program for executing the function of at least one server component described above.

3 is a diagram showing the functional configuration of a preferred wireless terminal 105 according to the present invention.

In more detail, FIG. 3 is a simple functional configuration diagram of the wireless terminal 105 requesting a currency exchange request, and the illustrated wireless terminal 105 is transferred to the exchange processing server 100 as shown in FIG. It is characterized by requesting a mobile exchange request according to the present invention by providing exchange request information and exchange request amount withdrawal account (or card) information including information on the type of currency and currency request amount.

In particular, FIG. 3 illustrates that the wireless terminal 105 operating on the mobile communication system is applied to the mobile currency exchange process according to the present invention. Although not shown in detail, the wireless terminal 105 has a hardware aspect. It consists of a body, speaker, microphone, keypad, liquid crystal display (LCD), antenna and battery, and internally includes a code division multiple access (CDMA) modem and a central processing unit (CPU / MPU). Microprocessor unit, a predetermined modem chip (e.g., MSM series modem chip from Qualcomm, USA), various memory elements, duplexer filter that separates transmission and reception signals from one antenna, Power amplifiers that amplify transmitted signals, High Power Amplifiers (HPAs), Isolators that prevent high power transmission signals from reversing, and RF / IF SAW filter for eliminating out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, voltage controlled temperature-compressed X-tal oscillator (VCTCXO) corresponding to the reference clock source, frequency up-down And a codec chip for converting an analog voice signal into a digital signal.

Preferably, the functional configuration of the wireless terminal 105 referring to the above-described hardware characteristics, the control unit 300, the output unit 310, the key input unit 315, the wireless processing unit 325 and the near It consists of a communication unit 330, the storage unit 335 and the interface 305, the financial IC chip 340 is provided with at least one or more account (or card) information required for mobile exchange and the financial IC at the time of exchange application It may be configured to include a reader 320 for reading the account (or card) information from the chip 340.

Referring to FIG. 3, the controller 300 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a function specific to the wireless terminal 105 from a predetermined memory element. It is preferable to include a predetermined program routine (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this purpose.

In addition, the controller 300 is a generic term for program routines and / or program data which are loaded into the execution memory from a predetermined memory device and / or chipset by software and are processed through the processor to perform a specific function. In addition, various functions to be implemented in the wireless terminal 105 by the controller 300 are realized, and in order to realize predetermined functions included in the wireless terminal 105, the overall operation of the wireless terminal 105 is controlled and Characterized in that the management. In particular, the control unit 300 is provided with a predetermined program routine recorded on the recording medium of the wireless terminal 105 to control and manage the overall operation required for the mobile currency exchange application using the wireless terminal 105. It is preferable.

Herein, the wireless terminal 105 loads an operating system routine, a system management routine, and / or system variables into the execution memory from the memory included in the wireless terminal 105 in the process of inputting and booting a predetermined power. By performing arithmetic processing by the control unit 300 can be configured, whereby each functional configuration of the wireless terminal 105 can be operated.

In particular, the control unit 300 includes the account (or card) information read out from the financial IC chip 340 or the memory provided by the reader 320 in the wireless terminal 105, the currency type and currency exchange request. It may be configured to include an interface 305 for transmitting the predetermined exchange request information including the price information.

In addition, the interface 305 further transmits member information including a user account (ID) and a password to the server 100 through a wireless processing unit 325 provided in the wireless terminal 105, and / Or IC chip serial number stored in the IC chip 340 which is further transmitted to the server 100, predetermined predetermined certificate information, and / or mounted or detached from the wireless terminal 105 to the server 100 and And / or further transmit IC chip information including the IC chip unique code and / or user specific information stored in the IC chip 340, and / or the social security number and / or name and / or operation to the server 100. Further transmit personal information including a license number and / or health insurance number, and / or to the server 100 the fingerprint, hand, iris, voice, facial, signature, retina of the user of the wireless terminal 105. , At least one venous, DNA (Deoxyribo Nucleic Acid) Further transmitting biometric information, and / or further transmitting exchange date information and / or exchange office location information corresponding to the exchange request to the server 100, and / or responding to the exchange request to the server 100 It is characterized in that it further transmits the account information of the account to which the exchanged amount is transferred-account unique information and / or account holder information and / or account information comprising at least one financial institution information corresponding to the account.

In addition, the interface 305 may further transmit the exchange date information corresponding to the exchange request to the server 100, the exchange processing history from the server 100 on the day and / or before the exchange date Predetermined code information corresponding to the information and / or exchange processing details and / or virtual account (or card) information in which the exchanged amount of money is received may be received.

Preferably, the exchange related information transmitted / received through the interface 305 may be encrypted (or digitally signed) based on a wireless public key infrastructure (WPKI).

The output unit 310 provided in the wireless terminal 105 is a liquid crystal display (LCD) driver for outputting a predetermined screen, and outputs predetermined information or data to the controller 300 (for example, an LCD). Key data generated through the key input unit 315 by a program routine, and various information, signals, and / or contents (e.g., extracted and / or generated in the course of performing a predetermined function included in the wireless terminal 105). , Text content, image content, and / or multimedia content) may be output to the LCD. Particularly, according to the present invention, when the output unit 310 receives predetermined exchange processing history information corresponding to the exchange request from the server 100 at the interface 305, the received exchange exchange history information. It characterized in that the output.

In addition, the output unit 310 further transmits the exchange date information corresponding to the exchange request from the interface 305 to the server 100, and from the server 100 on the day and / or before the exchange date When receiving the exchange information and / or predetermined code information corresponding to the exchange processing history and / or virtual account (or card) information in which the exchanged amount of money is received, the received from the server 100 And further outputting predetermined code information corresponding to the exchange processing history information and / or the exchange processing history and / or the virtual account (or card) in which the exchanged amount of money has been deposited.

The key input unit 315 provided in the wireless terminal 105 includes a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Reads from the at least one key data input from the at least one key data (for example, from a table storing the information or signal matching the key data) and delivers the information or signal to the controller 300. can do.

The wireless processing unit 325 provided in the wireless terminal 105 is generally associated with the control unit 300 (eg, a program routine for providing a mobile communication service) and / or a location registration and / or slot mode. And / or provide a mobile communication service including a power control and / or hand-off and / or call processing procedure, and in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying, and / or filtering the radio frequency signal) with the mobile base station corresponding to the end of.

In addition, the wireless processing unit 325 processes the information or signal transmitted from the wireless terminal 105 to the mobile base station in a CDMA stack to provide the mobile communication service, or from a CDMA stack received from the mobile base station. Provides the ability to read information or signals.

According to a preferred embodiment of the present invention, exchange request related information transmitted from the exchange processing server 100 and / or received from the exchange processing server 100 through the above-described network is transmitted through the wireless processing unit 325. It is preferable to be transmitted to the exchange processing server 100 and / or received by the wireless terminal 105 via a wireless network.

The short-range communication unit 330 provided in the wireless terminal 105 includes infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN, and Wi-Fi. In the future, the wireless terminal 105 may provide at least one or more short range wireless communication functions, and the predetermined terminal provided with the same short range wireless communication means and a predetermined rule based on the protocol defined in the short range wireless communication means. Send and receive wireless messages.

In particular, the short-range communication unit 330 further transmits the exchange date information corresponding to the exchange request from the interface 305 to the server 100, and from the server 100 on the day of the exchange date and / or its When withdrawal of the exchanged amount of money, when receiving predetermined code information and / or virtual account (or card) information in which the exchanged amount of money has been previously deposited, Short-range communication means for transmitting the exchange information and / or predetermined code information corresponding to the exchange processing history and / or virtual account (or card) in which the exchanged amount of money is deposited to the exchange office terminal; Characterized in that made.

When the storage unit 335 provided in the wireless terminal 105 receives predetermined exchange processing history information corresponding to the exchange request from the server 100 at the interface 305, the received exchange exchange history is received. Information and / or predetermined code information corresponding to the currency exchange history information and / or currency exchange processing details and / or the money exchange processed amount from the server 100 at the interface 305 on and / or before the exchange date. When receiving the deposited virtual account (or card) information, the virtual account (or the predetermined amount of code information corresponding to the exchange information and / or the exchange processing history received and / or the exchanged amount of money received) Card) information on the memory.

Here, the memory is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the wireless terminal 105 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory) and the like.

In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 105 and information or data therefor. The EEPROM includes at least one terminal registration related parameter and a telephone number (for example, an address book) or at least one information and / or data extracted and / or generated while executing an application provided in the wireless terminal 105. Preferably stored.

In particular, the memory has a function of providing a selection and / or input interface of the exchange request information, which is executable through the control unit 300 when the mobile exchange request according to the present invention, and withdraws the amount corresponding to the exchange request. A function of providing an interface for selecting and / or inputting account (or card) information for the user and loading and / or leaving the account (or card) information for withdrawing money corresponding to the exchange request A function of reading from the attached IC chip 340, transmitting the information to the exchange processing server 100, and corresponding to the exchange processing history information and / or the exchange processing history from the exchange processing server 100; A function of receiving predetermined code information and / or virtual account (or card) information in which the exchanged amount of money is deposited, and the exchange processing history information received from the exchange processing server 100. And / or outputting predetermined code information corresponding to the currency exchange details and / or virtual account (or card) information in which the exchanged amount of money is deposited and / or stored in a predetermined memory (or IC chip); A predetermined currency exchange program for executing at least one function of authenticating the user of the wireless terminal 105 may be provided.

The financial IC chip 340 mounted or detached from the wireless terminal 105 may be configured by referring to the IC chip 340 standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443. Preferably, the financial IC chip may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and / or an input / output (I / O) or the like. An input / output interface communicating with the wireless terminal 105 through the same contact point, and at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and the like. And a memory unit including at least one memory device including a processor unit, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. .

In particular, at least one of the memory devices includes a chip operating system (COS) for managing and operating internal resources of the financial IC chip 340, and at least one of the remaining memory devices includes a financial IC chip ( Preferably, at least one IC chip 340 storage information for providing a service using the 340 is provided.

According to a preferred embodiment of the present invention, the financial IC chip 340, when the mobile currency exchange request, account information and / or issued by a predetermined card company (or financial company) required for the withdrawal of the amount corresponding to the exchange request Card information (e.g., Credit Card and / or Debit Card and / or Check Card and / or Prepaid Card, etc.) is preferably stored.

The reading unit 320 provided in the wireless terminal 105 is characterized in that reading the account (or card) information from the financial IC chip 340 at the time of the exchange request according to the present invention. In particular, the reading unit 320 is based on the IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 and the like, the predetermined exchange-related program provided in the wireless terminal 105 and the financial IC chip ( 340 may provide information and / or data exchange between.

For example, the reader may provide information and / or data exchange between the exchange related program and the financial IC chip 340 through an application protocol data unit (APDU).

On the other hand, the illustrated wireless terminal 105, the function of providing a selection and / or input interface of the predetermined exchange request information and the account (or card) information for withdrawal of money corresponding to the exchange request, the wireless terminal ( A function of reading from the IC chip mounted and / or detached from the 105), transmitting the exchange request information and account (or card) information to the server 100 on the network, and exchange from the server 100. A function of receiving predetermined code information and / or virtual account (or card) information in which the exchanged amount of money has been deposited, and a currency exchange process received from the server 100. Outputs predetermined code information corresponding to the history information and / or exchange processing history and / or virtual account (or card) information in which the exchanged amount of money is deposited and / or stored in a predetermined memory (or IC chip); That the recorded thereon a program for executing the function of which provided with a recording medium according to claim is characterized.

Here, the program may further include a function of authenticating the exchange request user.

Hereinafter, the mobile currency exchange application process using the aforementioned mobile currency exchange system will be described in more detail. In addition, it is noted that the exchange processing server described below may include at least one of a financial company server, a card company server, a VAN company server, a mobile communication company server, and a server on a network.

* Figure 4 is a simple flow chart for a mobile currency exchange application process according to a preferred embodiment of the present invention.

4 is a diagram illustrating a communication session between the wireless terminal 105 and the server 100 when a wireless terminal 105 of a user who requires the exchange request is connected to a server 100 that processes mobile currency exchange in a wireless environment. As an embodiment in which a mobile currency exchange request is made according to the present invention while the connection is continuous, the present embodiment uses the wireless Internet method based on the WAP in the wireless terminal 105, and the wireless terminal 105 The operation of the wireless Internet browser on the server may be started from the process of connecting to the URL of the server 100 (400).

When the wireless terminal 105 accesses the exchange processing server 100 through the network to request a currency exchange service, the exchange server 100 is connected to the wireless terminal 105 and / or the wireless terminal (105) The user is authenticated (405).

At this time, the authentication process for the connected wireless terminal 105 and / or the user of the wireless terminal 105 may be implemented in a variety of ways.

For example, the exchange processing server 100 requests the input of a user account (ID) and / or password previously registered by the user in order to receive a currency exchange service in the wireless environment, and is input to the wireless terminal 105. The user's account and / or password may be received and matched with the user information pre-stored in the currency exchange server 100 to determine whether they match.

In addition, according to another embodiment, when the financial IC chip or memory provided in the wireless terminal 105 is equipped with an authorized certificate allowed for the exchange service, the exchange processing server 100 is the wireless terminal 105 Received the certificate information from the), it is also possible to perform authentication for the user using the certificate.

In addition, according to another embodiment, the exchange processing server 100 is the IC chip serial number and / or IC chip unique code stored in the IC chip 340 that is mounted or detached in the wireless terminal 105 and / or The user's unique information stored in the IC chip 340 may be checked to authenticate the user.

Further, according to another embodiment, input of user biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA, etc.) previously registered by the user to receive the exchange service Alternatively, by providing a request, the user may receive biometric information input to the wireless terminal 105 to authenticate the user.

After the authentication of the user of the wireless terminal 105 requesting the exchange request is completed (410) through the at least one wireless terminal 105 user authentication process described above, the exchange processing server 100 is the wireless terminal ( 105, at least one exchange request information selection and / or input interface corresponding to the exchange service is provided to be output on the wireless terminal 105 (415).

If there is a selection and / or input of the exchange request information of the user of the wireless terminal 105 through the exchange request information selection and / or input interface, the wireless terminal 105 exchanges the selected and / or input exchange request information. The transfer to the exchange processing server 100 (420).

Here, the exchange request information input or selected through the exchange request information selection and / or input interface and transmitted to the exchange processing server 100 may be configured to include the currency type and the exchange request amount information. In addition, the exchange request user information, information on the type of exchange preferential service to be provided when the exchange request, exchange date information corresponding to the exchange request and / or exchange shop information, and exchanged in response to the exchange request At least one or more account information of an account to which the amount is transferred, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred may be further included.

Then, the exchange processing server 100 interoperates with the corresponding financial company server that manages the withdrawal account (or card) information of the exchange request amount, among the exchange request information received from the wireless terminal 105, the exchange request It is checked whether or not the withdrawal of the amount is possible for the soundness of the currency exchange amount withdrawal account (or card) (425).

If it is impossible to withdraw the exchanged amount of money from the account (or card) (430), the exchange processing server outputs a non-exchangeable amount of money withdrawal message to the wireless terminal 105 (435).

On the other hand, if it is possible to withdraw the exchanged money amount from the currency exchange amount withdrawal account (or card) (440), the currency exchange processing server 100 works in conjunction with the financial company server, the currency exchange corresponding to the currency exchange request Processing is performed (445).

Preferably, the currency exchange processing server 100 withdraws the money exchange request amount from the currency exchange amount withdrawal account (or card) in conjunction with a financial company server, and performs a currency exchange process for the withdrawal amount according to an appropriate exchange rate. In this case, the currency exchange processing server 100 may perform a currency exchange process while searching for a predetermined exchange exchange rate applicable to the user of a currency exchange, and apply the retrieved exchange rate.

In addition, the exchange processing server 100 may provide a predetermined point and / or mileage to the user of the wireless terminal 105 in correspondence with the exchange processing.

In this process, if it is desired to transfer the exchanged amount of money to a specific account (450), the exchange processing server 100 is the account information and the owner of the transfer account that the money transfer processing amount is transferred from the wireless terminal 105 Upon receiving the information (455), the money exchange processing amount can be transferred to the provided account (460).

On the other hand, if there is no specific account transfer for the exchanged amount of money (465), the exchange processing server 100 is a virtual account (or card) forcibly allocating the exchanged amount to the user of the wireless terminal 105 Deposit or process the deposit with an account (or card) designated by the user of the wireless terminal 105 or an account (or card) corresponding to the financial IC chip 340 provided in the wireless terminal 105. The deposit can be processed as (470).

In addition, the currency exchange processing server 100 processes the currency exchange details in association with the wireless terminal 105 and / or the user information and / or the account (or card) information of the wireless terminal 105 and a predetermined storage medium. Stored at 110 (475).

According to a preferred embodiment, the exchange processing history may be transmitted to the user wireless terminal 105 to be confirmed by the user. At this time, the user of the wireless terminal 105 may check (for example) the exchange processing history. , Click OK button, etc.), you can proceed to the next exchange process.

The currency exchange processing server 100 may include a currency exchange branch server corresponding to the currency exchange request information when the currency exchange user information corresponding to the exchange request is provided by the currency exchange user. The terminal) transmits (480) predetermined code information corresponding to the currency exchange history information and / or currency exchange history and / or virtual account (or card) in which the exchanged amount of money has been deposited (480). At the currency exchange branch of the visit, the user can be authenticated to provide the exchanged money amount.

In addition, when the exchange processing server 100 is further provided with the exchange date information corresponding to the exchange request information, the exchange of money from the server 100 to the wireless terminal 105 on the day and / or before the exchange date The exchange date may be notified by transmitting predetermined code information corresponding to the processing history information and / or the exchange processing history and / or the virtual account (or card) in which the exchanged amount of money has been deposited.

5 is a diagram illustrating a screen for a mobile exchange request wireless terminal 105 according to a preferred embodiment of the present invention.

When the mobile currency exchange application is in progress through the above-described process of FIG. 4, it is an exemplary view showing screen information sequentially displayed on the screen of the wireless terminal 105 shown in FIG. 3.

6 is a simple flowchart of a mobile currency exchange application process according to another preferred embodiment of the present invention.

6 illustrates an embodiment in which a mobile currency exchange request is made according to the present invention through execution of a predetermined program (eg, a currency exchange program) provided in the wireless terminal 105. The illustrated embodiment shows the wireless terminal. In operation 105, the program may be started from the process of driving the program for the exchange request.

Here, the driving of the program may be performed by selecting the program driving related menu in the wireless terminal 105 or selecting the program driving key that may be separately provided in the wireless terminal 105.

When the program provided in the wireless terminal 105 is driven, the program may output predetermined exchange request information selection and / or input interface related to a currency exchange service on the screen of the wireless terminal 105 (605). .

If the exchange request item is selected through the output of the exchange request information and / or an input interface (610), the program requests authentication of the user of the wireless terminal 105 (615).

Here, the wireless terminal 105 user authentication process requested by the program is provided in the wireless terminal 105, the financial IC chip 340 for recording the account (or card) information for the withdrawal of the money exchange request amount It may be a predetermined code (eg, PIN, etc.) authentication process to access.

When a code (for example, a PIN, etc.) for accessing the financial IC chip 340 is input through the key input unit 315 provided in the wireless terminal 105 (620), the program is the financial IC chip ( In step 340, by comparing the code input from the user of the wireless terminal 105 with the code recorded in the financial IC chip 340, an authentication process for the user of the wireless terminal 105 is performed (625). ).

If authentication of the user of the wireless terminal 105 is successfully performed (630), the program may read user financial information (eg, account or card information, etc.) stored in the financial IC chip 340. The program may correspond to the currency type and currency request amount information required for the currency exchange request, the currency exchange user information, the selection information of the kind of exchange preferential service to be provided in the currency exchange request, and the currency exchange request. Exchange date information and / or currency exchange branch information, account information of an account to which the amount of money exchanged corresponding to the exchange request is transferred, account holder information to which the money amount is transferred, and an account to which the money amount is transferred Waiting for selection and / or input of the exchange request information including at least one financial institution information corresponding to (635).

If the user selects and / or inputs the exchange request information through the input and / or input interface of the exchange request information from the user of the wireless terminal 105 (640), the program selects and / or inputs the exchange request information. Through the wireless processing unit 325 of the wireless terminal 105 transmits to the exchange processing server 100 (645).

Here, the program generates a exchange request message including the selected and / or entered exchange request information, wherein the generated exchange request message is transmitted via a mobile communication network including the base station and the switching center and a packet data service node. It is preferable to be transmitted to the exchange server.

Next, the exchange processing server 100 is linked with the financial institution server that manages the withdrawal account (or card) information of the exchange request amount of the exchange request information received from the program of the wireless terminal 105, It is checked whether the withdrawal of the exchange amount is possible with regard to the soundness of the exchange request amount withdrawal account (or card) (650).

If it is impossible to withdraw the requested money exchange amount from the account (or card) (655), the money exchange processing server 100 outputs a message indicating that it is impossible to withdraw the money exchange request amount to the wireless terminal 105 (660). On the other hand, if it is possible to withdraw the exchanged money amount from the currency exchange amount withdrawal account (or card) (665), the currency exchange processing server 100 in conjunction with the financial company server, corresponding to the currency exchange request The exchange process is performed (670).

The exchange processing server 100 processes the exchange processing details in association with the wireless terminal 105 and / or the user information and / or the account (or card) information of the wireless terminal 105 and a predetermined storage medium. Stored at 110 (675).

In addition, as described in FIG. 4, the currency exchange processing server 100 searches for a predetermined currency exchange rate applicable to the user of a currency exchange while performing the currency exchange process, and applies the retrieved currency exchange rate to exchange money. In addition, the exchange processing server 100 may provide a predetermined point and / or mileage to the user of the wireless terminal 105 in response to the exchange processing.

In addition, in the process of performing the currency exchange process, when the money exchange processing amount is to be transferred to a specific account, the money exchange processing server 100 and the account information to which the money exchange processing amount is transferred from the wireless terminal 105; Receiving the owner information of the transfer account, the money exchange processing amount can be transferred to the provided account.

If there is no specific account transfer for the exchanged amount, the exchange processing server 100 deposits the exchanged amount into a virtual account (or card) forcibly allocated to the user of the wireless terminal 105, or Alternatively, the deposit processing may be performed using an account (or card) designated by the user of the wireless terminal 105 or may be processed by an account (or card) corresponding to the financial IC chip 340 provided in the wireless terminal 105. have.

In addition, the currency exchange processing server 100, if there is a currency exchange shop information that the user of the exchange request to exchange service in response to the exchange request information of the exchange request information, the exchange office branch corresponding to the exchange request information (or The terminal) by transmitting predetermined code information and / or virtual account (or card) information in which the exchanged amount of money has been deposited, corresponding to the exchange processing history information and / or the exchange processing history. When visiting a branch, the user may be authenticated to provide the converted money.

In addition, when the exchange processing server 100 is further provided with the exchange date information corresponding to the exchange request information, the currency exchange history information and / or to the wireless terminal 105 on the day and / or before the exchange date The exchange date may be notified by transmitting predetermined code information corresponding to the exchange processing details and / or virtual account (or card) information in which the exchanged amount of money has been deposited.

7 is a diagram illustrating a screen of the mobile exchange request wireless terminal 105 according to another embodiment of the present invention.

In the case where the mobile currency exchange application is in progress through the above-described process of FIG. 6, it is a screen example of sequentially displaying screen information output on the screen of the wireless terminal 105 shown in FIG. 3.

100: currency exchange server 105: wireless terminal
110: storage medium
200: control unit (server) 205: interface unit
210: authentication processing unit 215: currency exchange processing unit
220: storage unit
300: control unit (wireless terminal) 305: interface
310: output unit 315: key input unit
320: reader 325: wireless processing unit
330: near field communication unit 335: storage unit
340 IC chip

Claims (3)

In mobile phones,
A financial IC chip having account (or card) information for withdrawing money corresponding to an exchange request;
A reading unit for reading account (or card) information from the financial IC chip at the time of exchange request;
An interface for transmitting, to the server, predetermined exchange request information including account (or card) information read out by the reader, information on currency types and exchange request amounts; And
The mobile currency exchange request function comprises an output unit for outputting the received exchange exchange history information when receiving the exchange exchange history information corresponding to the exchange request from the server in the interface. Phones.
The method of claim 1, wherein the interface,
Further sending member information including a user account (ID) and a password to the server, or
Further transmit predetermined certificate information to the server, or
Further transmitting the IC chip information including the IC chip serial number or IC chip unique code stored in the IC chip mounted on or detached from the wireless terminal or the user unique information stored in the IC chip to the server, or
Further transmit personal information including a social security number or name, a driver's license number, or a health insurance number to the server; or
Further transmitting biometric information including at least one of a fingerprint, a hand, an iris, a voice, a face, a signature, a retina, a vein, and a deoxyribo nucleic acid (DNA) to the server, or
Further transmitting exchange date information or exchange branch information corresponding to the exchange request to the server; or
Further transmitting the account information of the account to which the money exchanged in response to the currency exchange request is transferred, the account information comprising account-specific information and / or account holder information or financial institution information corresponding to the account; Mobile phone equipped with a mobile currency exchange feature, characterized in that.
The method of claim 1, wherein the mobile phone,
Further transmitting exchange date information corresponding to the exchange request from the interface to the server, and predetermined code information or currency exchange processing corresponding to the currency exchange history information or currency exchange details on or before the exchange date from the server; Receive virtual account (or card) information from which funds have been deposited,
Short-range communication means for transmitting predetermined code information corresponding to the currency exchange history information or the exchange processing history or the virtual account (or card) on which the money exchange processed money is deposited to a currency exchange terminal when the money is withdrawn. Mobile phone equipped with a mobile currency exchange function, characterized in that further comprises.

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