KR20120023837A - Method for providing financial transaction by selective service access method - Google Patents

Abstract

PURPOSE: A financial transaction providing method according to a service contact method is provided to enable a user to receive financial services corresponding to plural financial agencies by wirelessly processing a banking procedure. CONSTITUTION: A screen output unit(115) outputs necessary information in a wireless banking service contact method selecting progress. A sound processing unit(110) encodes a sound signal inputted by a microphone. The encoded signal is provided to a control unit(105). The sound signal extracted by the control unit is decoded. The decoded sound signal is outputted by a speaker. A key input unit(120) reads a signal or information from one or more key data.

Description

Method for Providing Financial Transaction by Selective Service Access Method

The present invention provides a financial transaction providing method according to a service access method executed by a program provided in a user's wireless terminal, wherein a financial transaction to be provided through a financial company server is selected according to a designated service access method, and according to a service access method. Provide a financial transaction according to a service access method of driving a program module to be linked with the program or identifying a pre-driven program module and providing financial transaction information combining the information input or selected for the financial transaction to the program module. It is about a method.

The wireless banking service provides various services such as balance inquiry, bank transfer, deposit inquiry, exchange rate inquiry, cashier's check, transaction history inquiry, credit card transaction, and cash service anytime, anywhere using a predetermined wireless terminal connected to the wireless communication network. As a financial transaction service that can be received, it is distinguished from telebanking in that it can be used safely with security, and it is included as a distinction from Internet banking in that it can be used on the go.

The wireless banking is a wireless IC chip method that enhances convenience and security by storing financial information of a corresponding financial customer in an IC chip (or IC card) mounted or detached from the wireless terminal, and a predetermined wireless terminal in the wireless terminal. A virtual machine (VM) method that uses a banking program (for example, a banking program provided by a financial institution that provides a wireless banking service to the user through the wireless terminal) and executes the program each time a transaction is used, and the wireless It includes at least one of the WAP (Wireless Application Protocol) method that transfers transactions between the terminal and the banking system using a wireless Internet-based text to process a predetermined financial business. The recent trend is to increase convenience and security. Wireless IC chip method is mainly used.

However, since the IC chip issuing authority is in a financial institution, the wireless IC chip type wireless banking may conveniently and securely process a financial transaction for a current financial institution that issues the IC chip to the wireless terminal. In addition to the current financial institution, there is a problem in that the financial transaction of the other financial institution that issued the financial account (and / or payment means) to the user cannot be processed. In comparison, the wireless banking process involves complex problems.

An object of the present invention is to provide a financial transaction providing method according to a service access method executed by a program provided in a user's wireless terminal, wherein a financial transaction to be provided through a financial company server is selected according to a designated service access method and a service access method. Driving a program module to be linked with the program or identifying a pre-driven program module according to a method, and a service access method for providing financial transaction information combining the information input or selected for the financial transaction to the program module. According to the provision of financial transactions.

The financial transaction providing method according to the service access method according to the present invention is a financial transaction providing method according to a service access method executed by a program provided in a user's wireless terminal, and is provided through a financial company server according to a designated service access method. Driving a program module to be linked with the program or identifying a pre-driven program module according to the step of selecting a financial transaction to be selected and a service access method, and combining the information input or selected for the financial transaction into the program module It is characterized by providing transaction information.

In the financial transaction providing method according to the service access method according to the present invention, the service access method is available to communicate with the financial company server, the financial company server to communicate to receive the financial service through the selected specific financial company And a service method of the program based on at least one of a type of a communication network and a protocol.

In the method of providing a financial transaction according to the service access method according to the present invention, the service access method includes a method of interworking with a specific program module in the wireless terminal to provide the financial service through the selected specific financial company. Characterized in that made.

In the financial transaction providing method according to the service access method according to the present invention, the program module is characterized in that it comprises a module using a signing certificate corresponding to the service access method for the financial transaction.

In the method of providing a financial transaction according to the service access method according to the present invention, the wireless terminal may be connected to two or more communication networks of a wireless LAN, Wi-Fi, or a mobile communication network, or may provide the financial service. It is characterized by supporting two or more protocols for providing.

According to the present invention, there is provided a wireless terminal equipped with a predetermined financial means and / or payment means for mounting or detaching a wireless IC chip issued to a user from a predetermined financial institution (for example, a financial institution). A predetermined financial account (and / or payment means) corresponding to a predetermined financial account (and / or payment means) issued to the user by another financial institution (e.g., another financial institution) other than the financial institution that issued the wireless IC chip. ) The information on the wireless IC chip (and / or wireless terminal memory), the wireless terminal at the time of the wireless banking (for example, wireless IC chip-based financial transactions that are mounted or detached from the wireless terminal) Determining whether or not to process the predetermined wireless banking using the bank or through the other financial institution, and through the determination result If it is determined that the wireless banking process is performed, a wireless banking procedure is performed based on the IC chip using the financial means and / or payment means provided in the wireless IC chip, and the wireless banking is processed through the other financial institution as a result of the determination. If it is determined that the wireless terminal connects to the other financial server and performs a wireless banking procedure using a WAP (Wireless Application Protocol) / VM (Virtual Machine) method, the wireless terminal corresponds to a plurality of financial institutions through one wireless IC chip. There is an advantage to receiving financial services.

1 is a diagram illustrating a preferred wireless terminal function configuration for selecting a wireless banking service access method according to an embodiment of the present invention.
2 is a diagram illustrating a file structure of a preferred wireless IC chip for storing other financial account (payment means) information according to an embodiment of the present invention.
3 is a diagram illustrating a preferred structure of an element file included in the other financial account storage information according to an embodiment of the present invention.
4 is a diagram illustrating a preferred program functional configuration provided in a wireless terminal for selecting a wireless banking service access method according to an exemplary embodiment of the present invention.
5 is a diagram illustrating a functional configuration of a preferred wireless banking service access method selection system according to an embodiment of the present invention.
6 is a diagram illustrating an implementation process of selecting a wireless banking service access method in a wireless terminal according to one embodiment of the present invention.
7A and 7B illustrate a screen of a wireless terminal for selecting a financial institution for selecting a wireless banking service access method according to an embodiment of the present invention.
8 illustrates a program code for determining and selecting a wireless banking service access method according to an exemplary embodiment of the present invention.
9 is a diagram illustrating an embodiment of selecting a wireless banking service access method in a wireless terminal according to another exemplary embodiment of the present invention.
10A, 10B, and 10C illustrate a wireless terminal screen for selecting a financial institution for selecting a wireless banking service access method according to an embodiment of the present invention.
11 illustrates program code for determining and selecting a wireless banking service access method according to another exemplary embodiment of the present invention.
12 is a diagram illustrating a process of providing a financial transaction (wireless banking) by selecting a wireless banking service access method according to an exemplary 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

For example, the following embodiment is a financial institution for issuing a predetermined wireless IC chip to the user for convenience, among the terms defined for the present invention in order to efficiently explain the technical features of the present invention to those skilled in the art to practice the present invention. An institution, another financial institution other than the financial institution, is called a third-party financial institution, and the terms attached to the term also follow the rule. In addition, in the following embodiments, a financial account (and / or payment means) issued to the customer by at least one financial institution is referred to as a financial account for convenience.

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.

In addition, the preferred embodiment of the present invention carried out below is a financial institution for issuing a wireless IC chip that the program provided in the wireless terminal is mounted on or detached from the wireless terminal to efficiently describe the technical components constituting the present invention Although described as being provided by a predetermined financial institution server (or a financial institution linked server) provided in the program, the program may be released (or sold) during the wireless terminal process, the wireless IC chip issuing process, or previously issued wireless. Although it is possible to be mounted on the wireless terminal through an upgrade process of the IC chip related program, the functional configuration and / or storage medium provided with the financial institution server (or financial institution linked server) will be described as being provided in the server. If one of ordinary skill in the art to which the present invention belongs, the server The functional configuration and / or storage medium provided in the device may be interlocked (e.g., mutually transmitting and receiving information or data for server function realization) through a predetermined network and / or communication means according to the intention of a person skilled in the art of implementing the present invention. It will be apparent that two or more servers may be provided separately.

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 preferred wireless terminal 100 function configuration for selecting a wireless banking service access method according to an 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 wireless terminal 100 for selecting a wireless banking service access method. A preferred functional configuration of the mobile communication terminal for selecting a banking service connection method. Those skilled in the art to which the present invention pertains may refer to FIG. 1 and refer to FIG. It will be easy to infer the functional configuration of the terminal). As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, the wireless terminal 100 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 125, and internally. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal RF / IF SAW filter to remove the unwanted out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and 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 wireless terminal 100 for selecting a wireless banking service connection method basically includes a control unit 105, a screen output unit 115, a sound processor 110, a key input unit 120, and a wireless processor 130. ) And a near field communication unit 135, a memory unit 165, and a battery 125 for power supply, and the wireless IC chip 160 mounted on or detached from the wireless terminal 100 according to an embodiment. An IC chip reader unit 155 for reading / writing predetermined information or data in the wireless IC chip 160, a camera mounted or detached from the wireless terminal 100, and reading predetermined image information from the camera. It further comprises a functional configuration including a camera unit 145.

The control unit 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software General term for program routines and / or program data loaded into the execution memory and computed through the processor to perform specific functions (hence, in the present invention, recording of wireless terminal 100 to select a wireless banking service access method). A predetermined program routine recorded on the medium is provided in the control unit 105 for convenience. The various functions to be implemented in the wireless terminal 100 are thereby realized by the control unit 105, and the overall operation of the wireless terminal 100 is controlled to realize the above functions. And it characterized in that the management. In particular, when power is input to the wireless terminal 100 to perform a function of the control unit 105 for controlling and managing the overall operation of the wireless terminal 100, an operating system routine and a system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 115 is a liquid crystal display (LCD) driver for outputting a screen, and a key input unit 120 by the controller 105 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the < RTI ID = 0.0 >), various information, signals, and / or content (e. G., Text content, image content, and / or < / RTI > Or multimedia content) to a predetermined screen output device (for example, an LCD panel). The screen output unit 115 is a screen output device (LCD) interworking with a wireless banking service connection method. It is preferable to perform a function of outputting predetermined information required in the selection process.

The sound processor 110 encodes a predetermined sound signal input from a microphone provided in the wireless terminal 100 and provides the sound signal to the controller 105 or extracted and / or generated by the controller 105. A sound signal is decoded and output through a speaker. To this end, the sound processor 110 includes a predetermined vocoder and a codec. Performs a function of a sound input unit provided in the wireless terminal 100 through the sound processor 110 and a microphone, or outputs a sound provided in the wireless terminal 100 through the sound processor 110 and a speaker. Perform the function of the means.

The key input unit 120 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, read from the table that stores the information or signal matching the key data) and delivers the information to the control unit 105, the key It performs the function of the key input means provided in the wireless terminal 100 through the input unit 120 and the keypad.

The wireless processor 130 may register a location and / or a slot mode and / or a power control in conjunction with the controller 105 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 130 processes the information or signal transmitted from the wireless terminal 100 to the base station to provide a mobile communication service to the CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 100 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 130 and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a server (or device) provided on the mobile communication network and / or a predetermined communication network that interworks with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 100 of FIG. , Wireless data communication, or voice over IP (Voice over IP) based voice call).

The short range communication unit 135 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 100 connects a wireless section connecting a predetermined short range device 140 and a predetermined short range wireless communication session through the short range communication unit 135, and the short range device It is preferable to connect a predetermined communication channel with a server (or device) provided on a predetermined communication network through a wired section including a predetermined network to which the 140 is connected.

The camera unit 145 reads raster-based CCD image information from a camera 150 including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and controls the image information in a control unit ( 105).

According to the embodiment of the present invention, the wireless terminal 100 further includes at least one or more functional components for supporting additional services provided by a mobile communication company and / or the intention of the terminal manufacturer in addition to the camera unit 145. It may be possible, but this description is omitted for convenience in FIG. However, the technical spirit of the present invention is not limited by the omitted wireless terminal 100 functional configuration.

The memory unit 165 is applied 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 100 is performed. (A) general term for memory devices that store information and / or data; read-only memory (ROM) that corresponds to read-only memory, flash memory (FM) that can read / write, and electrically erasable and programmable Read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 100 and information or data therefor. The EEPROM is stored in the terminal registration related parameters (e.g., wireless terminal 100 identification data and / or wireless terminal 100 user identification data) and a telephone number (e.g., an address book) or the wireless terminal 100. At least one information and / or data, etc., which are extracted and / or generated while performing the provided application are stored.

According to the exemplary embodiment of the present invention, the memory unit 165 includes the wireless terminal 100 (for example, a program included in the wireless terminal 100) provided in the other financial institution through a predetermined wireless communication network. Third party financial server access information for accessing the third party financial server, predetermined user authentication information corresponding to each financial account issued by the second financial institution, and predetermined financial account corresponding to the financial account issued by the second financial institution Storing the other financial account information including at least one login information (or password information) and account number information (and / or payment means card number information) corresponding to each financial account issued by the other financial institution. Preferably, according to another embodiment, the financial account information to a part of the financial account information (for example, of the financial account information Information data requiring a high level of security) can be stored in the memory unit 160-3 provided in the wireless IC chip 160.

In addition, according to various embodiments of the present disclosure, the memory unit 165 may further store predetermined user interface (UI) information corresponding to the financial institution selection menu and / or the financial service selection menu. And / or the predetermined emulator 700 for accessing the third party financial server in a WAP / VM manner to the program, the emulator 700 interlocks with the other financial server in a WAP / VM manner. It is desirable to further store some emulation data information required to emulate a transaction (wireless banking).

The IC chip reader unit 155 is an IC chip related functional configuration provided in the wireless terminal 100 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (eg, the wireless terminal 100). IC chip agent program provided in the) and the wireless IC chip 160 mounted on or detached from the wireless terminal 100, characterized in that to provide information and / or data exchange. For example, the IC chip reader unit 155 provides information and / or data exchange between the IC chip agent program and the wireless IC chip 160 through an APDU (Application Protocol Data Unit).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the wireless IC chip 160 mounted on or detached from a customer wireless terminal may include a power supply (VCC), a reset signal (RST), and a clock signal. I / O that communicates with the IC chip reader 155 (e.g., exchanges commands or data) through contact points such as CLK, ground GND, programming power supply (VPP), and / or input / output (I / O), etc. A processor unit 160-2 including an interface 160-1, at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and / or the like; The memory unit 160-3 includes at least one memory device including a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory (FM). In particular, at least one or more of the memory elements (eg, RO M) stores a Chip Operating System (COS) for managing and operating internal resources of the IC card, and the IC chip reader unit 155 through a power supply (VCC) contact point of the input / output interface 160-1. When a predetermined power is supplied from the COS, the COS stored in the memory unit 160-3 is loaded into a predetermined execution memory to control the overall operation of the wireless IC chip 160, and the clock of the clock signal CLK contact point. Controlling information or data exchange between the wireless IC chip 160 and the IC chip reader unit 155 through an APDU based on a frequency (eg, 3.57 MHz or 4.9 MHz).

According to another exemplary embodiment of the present invention, the memory unit 160-3 includes the wireless terminal 100 (for example, a program provided in the wireless terminal 100) to the other financial institution through a predetermined wireless communication network. The third party financial server connection information for accessing the predetermined third party financial server, the predetermined user authentication information corresponding to the financial account issued by the other financial institution, and the financial account issued by the other financial institution, respectively. The other financial account information including at least one predetermined login information (or password information) and account number information (and / or payment means card number information) corresponding to the financial account issued by the other financial institution. It is preferable to store, or a part of the financial account information (for example, information data requiring a high level of security of the financial account information) Only it is possible to be stored.

According to a preferred embodiment of the present invention, the memory unit 160-3 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 160-3 includes a CSN (Chip). A protection area for storing secret information such as a serial number, a COS control area, a user application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like. The IC chip storage information is preferably stored in an area excluding the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit 160-3 includes one master file (MF) corresponding to a root file, and the master At least one dedicated file (DF) corresponding to each ICC stored information, and at least one dedicated file (DF) corresponding to each ICC stored information, and It includes a file structure consisting of an element file (EF) that is disposed and contains substantial information and / or data for the smart card service. The IC chip storage information for the present invention also includes the file structure as described above. Is done.

According to a preferred embodiment of the present invention, the IC chip storage information preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or a credit card ( Credit Card) Payment method, Debit Card payment method, Check Card (Check Card) payment means, Prepaid Card (Prepaid Card) payment means It comprises preferably at least one or more Do. A preferred embodiment of the IC chip storage information will be described with reference to the preferred example in FIG.

Referring to FIG. 1, the wireless terminal 100 selects a predetermined financial institution selection menu (and / or a financial institution selection menu and a financial service selection) through the screen output unit 115 during a predetermined financial transaction (wireless banking). A user interface unit 170 for outputting a menu and receiving a predetermined financial institution selection information (and / or financial institution selection information and financial service selection information) through the key input unit 120; When the selection information corresponding to the menu is input from the user, the selection information is read to determine whether the selected financial transaction (wireless banking) is performed in response to the current financial institution, or in response to another financial institution, A banking control unit 175 for selecting a wireless banking service access method according to the determination result, and the financial transaction (wireless banking) according to the result of the selection When the financial transaction (185) and the financial transaction (wireless banking) corresponding to the other financial transactions, the financial transaction unit 185 for processing the financial transaction based on the wireless IC chip 160, It is characterized in that a predetermined program including a predetermined financial service unit 180 for processing a financial transaction based on the WAP / VM on a predetermined recording medium.

The user interface unit 170 interlocks with the screen output unit 115 to allow the user to select whether to use a financial account issued by the current financial institution or a financial account issued by the other financial institution. And a user interface for outputting a financial institution selection menu of the financial institution, and / or outputting a financial service selection menu available through the financial institution selected by the user to the user, and / or the key input unit 120. (B) receiving a wireless IC chip (160) permission code issued to the user by the financial institution in connection with the user; and / or receiving predetermined financial institution selection information corresponding to the financial institution selection menu; and And / or a user interface for receiving predetermined financial service selection information corresponding to the financial service selection menu. Characterized by providing a device.

According to an exemplary embodiment of the present invention, in order to provide the predetermined user interface, the user interface unit 170 internally stores predetermined user interface information corresponding to the financial institution selection menu and / or the financial service selection menu. Or user interface information corresponding to the financial institution selection menu and / or the financial service selection menu in the form of a predetermined data file. 165).

According to another exemplary embodiment of the present invention, the user interface unit 170 extracts at least one third party financial institution list information from at least one third party financial account information recorded in the wireless IC chip 160, and extracts the list. The financial institution selection menu may be provided using at least one third party financial institution list information, and / or may be provided through the selected financial institution from one or more third party financial account information recorded in the wireless IC chip 160. It is possible to extract financial service list information and to provide the financial service selection menu using the extracted financial service list information.

According to another exemplary embodiment of the present invention, information related to the selection of a financial institution among the user interface information is included as program data information in the user interface or stored in the wireless IC chip 160 (or the memory 165). Thereafter, after the predetermined third party financial institution is selected through the user interface unit 170, the predetermined financial service from the other financial server is linked with the current financial service unit 185 and / or the other financial service unit 180. It is possible to provide a financial service selection menu by receiving a related interface (eg, a user interface screen including at least one banking element item).

When the banking control unit 175 starts a predetermined financial transaction (wireless banking) using the wireless IC chip 160 issued to the user by the banking institution in the wireless terminal 100, the user interface unit 170 The user receives the wireless IC chip 160 authorization code (for example, a personal identification number (PIN)) issued to the user by the financial institution from the user, and the user receives the wireless IC chip 160. By authenticating the validity of the wireless IC chip 160 whether there is a right to use, the confidentiality, authentication, integrity and nonrepudiation of the wireless IC chip 160 To secure.

In addition, the banking controller 175 may be configured before the validity of the wireless IC chip 160 is authenticated (eg, the user authenticates the authority to use the wireless IC chip 160) or the wireless IC chip ( 160 after the validity is verified, the user interface unit 170 allows the user to select whether to use the financial account issued by the current financial institution or the financial account issued by the other financial institution. By outputting a predetermined financial institution selection menu and receiving and reading predetermined financial institution selection information corresponding to the financial institution selection menu, the other financial institution and the other bank that issued the wireless IC chip 160 to the user are read. Among financial institutions, the user may determine the financial institution selected for the financial transaction (wireless banking).

In addition, the banking control unit 175 outputs the financial institution selection menu and predetermined financial institution selection information corresponding to the financial institution selection menu, so that the financial institution for the user to perform a financial transaction (wireless banking) is identified. Outputting a financial service selection menu available through the financial institution selected by the user to the user, and receiving and reading predetermined financial service selection information corresponding to the financial service selection menu in conjunction with the key input unit 120; The user may identify a predetermined financial service for a financial transaction (wireless banking) using the selected financial institution.

In addition, when the banking control unit 175 determines that a financial institution (and / or financial service) to perform a financial transaction (wireless banking) as described above, the banking control unit 175 is determined according to the financial institution corresponding to the determination result. It is characterized by selecting a wireless banking service access method for financial transactions (wireless banking).

If the selected financial transaction (wireless banking) corresponds to the other financial institution, the banking control unit 175 performs the financial transaction (wireless banking) through the other financial service unit 180 in a WAP / VM manner. And if the selected financial transaction (wireless banking) corresponds to a current financial institution, selecting to perform the financial transaction (wireless banking) through the current financial service unit 185 in an IC chip manner. .

According to the present invention, the user interface unit 170, the banking control unit 175, the banking service unit 185, and the other banking service unit 180 are recorded on a recording medium provided in the wireless terminal 100. In the following description, a banking control program will be referred to for convenience. A preferred embodiment of the banking control program will be described in detail with reference to FIG.

2 illustrates a file structure of a preferred wireless IC chip 160 for storing other financial account (payment means) information according to an embodiment of the present invention.

In more detail, Figure 2 shows credit card storage information (0200), debit card storage information (0300), financial common network storage information (F100), electronic money storage information (F200), signing certificate (F300), and key distribution A predetermined financial transaction (wireless banking) using at least one other financial account issued to the user by another financial institution using the wireless IC chip 160 in the financial IC chip file structure in which the certificate F400 is stored. In the case of storing predetermined non-banking financial account storage information (hereinafter referred to as "other bank financial account storage information 200" for convenience) to perform the function, in particular, Figure 2 is the other bank financial account storage information ( 200 is recorded in the wireless IC chip 160 to have a predetermined file ID. However, the other financial account storage information 200 is not limited to being recorded in the wireless IC chip 160 so as to have a predetermined file ID as shown in FIG. 2, and is intended by the person skilled in the art and / or by the person skilled in the art to date. According to the technical characteristics of the wireless IC chip 160 issued to the user, at least one other financial account information included in the other financial account storage information 200 of FIG. 2 is stored in the credit card storage information (0200) and / or debit. It may be recorded as a predetermined element file added to the card storage information 0300 and / or the financial common network storage information F100 and / or the electronic money storage information F200.

That is, if the person skilled in the art to which the present invention belongs, the element file of the other financial account (payment means) storage information shown in Figure 2 is the credit card storage information (0200) and according to the intention of those skilled in the art It may be clearly understood that the file may be implemented as an element file included in the debit card storage information (0300) and / or the financial common network storage information (F100) and / or the electronic money storage information (F200). The structure of the other financial account (payment means) storage information shown in FIG. 2 is for efficiently explaining the file structure of the other financial account (payment means) storage information to a person having ordinary knowledge in the technical field to which the present invention belongs. Accordingly, the technical spirit of the present invention is not limited, and it is apparent that the present invention can be easily changed and used by those skilled in the art.

The functions and features of the conventional components of the financial IC chip file structure shown in FIG. 2 will be understood by those of ordinary skill in the art to which the present invention pertains.

Referring to FIG. 2 according to a preferred embodiment of the present invention, the other financial account (payment means) stored information is disposed under the master file, and the other financial account (payment means) stored information is unique identification information or characteristic thereof. Other financial account dedicated file F500 including information, an element file disposed under the dedicated file to store file control information (FCI), and an element file to store second financial account information (F502). ), An element file (F503) for storing third financial account information, and an element file (F50x, x> 3) for storing N-th financial account information. A preferred structure for each element file storing the other financial account information will be described with reference to FIG.

The element file for storing the file control information is an element file for storing a data byte corresponding to a response to a SELECT FILE command transmitted by the terminal program included in the wireless terminal 100 to the IC card. An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of -4 and / or defined in TABLE 2 of ISO / IEC 7816-4. BER-TLV data objects include FMD templates carrying File Management Data (FMD) and / or FCI templates carrying FCP and FMD, which are retrieved according to the selection of the SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

According to a preferred embodiment of the present invention, a method of selecting the other financial account (payment means) stored information from among a plurality of stored information provided in the IC card includes: a selection method by a file identifier, a selection method by a path, and There is a method of selecting by EF identifier, and the method of selecting by file identifier is a method of using a 2-byte identifier assigned to each file. In FIG. 2, an identifier "F500 assigned to a dedicated file of other financial account (payment means) storage information is shown. "To select the other financial account (payment means) stored information, and the selection method by the path is to select the other financial account (payment means) stored information using the" 3FFF "identifier, and the EF identifier The selection method is to select other financial account (payment means) storage information through a 5-bit identifier between "0" and "30" assigned to each element file. In general, when a selection method by a file identifier and a selection method by a path are used, the other financial account (payment means) storage information may be accessed through a SELECT FILE command. As another embodiment of the present invention, the file identifier may be accessed. If the selection method is not used, a dedicated file of other financial account (payment method) storage information may be omitted.

3 is a diagram illustrating a preferred structure of the element file included in the other financial account storage information according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates the function of performing a predetermined financial transaction (wireless banking) using at least one other financial account issued to the user by another financial institution using the wireless IC chip 160. A preferred data structure for a third party financial account information element file included in the wireless IC chip 160 is illustrated, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to the third party financial account with reference to FIG. Various embodiments of information (e.g., an embodiment in which the other financial account information is stored in the memory unit, and / or a portion of the other financial account information is stored in the memory unit, and the other part requiring a high level of security) May be easily inferred from the embodiment stored in the wireless IC chip 160), and the technical configuration of the present invention is It is not.

3 according to a preferred embodiment of the present invention, the other financial account information element file is for the other financial account information including one financial account number and payment means information, and basically consists of 100 bytes. If there is a free storage area according to the characteristics of the file structure of the wireless IC chip 160, the area performs the RFU function. Those skilled in the art to which the present invention pertains, preferred structure of other financial account information including at least one or more financial account number and payment means information (e.g., main account number and at least Other financial account information including one or more subaccount numbers) may be easily inferred, and thus description thereof will be omitted.

Referring to FIG. 3, the other financial account information includes a 12-byte financial institution name, a 1-byte financial institution identification code, 20-byte letters / numbers, and access information of a financial server, and a character within 12 bytes. User ID information including / numbers, user passwords containing up to 12 characters / numbers / symbols, 12 byte financial account numbers, 12 byte financial transaction passwords, 16 byte payment methods Information, a 2-byte financial service code, and a 1-byte option flag, and a predetermined financial transaction random number according to a financial transaction (wireless banking) procedure of the third-party financial institution corresponding to the third-party financial account information. It is possible to further comprise.

The 12-byte financial institution name includes the name of the other financial institution that issued the other financial account to the user as a string, and has a format such as "XX bank".

The one-byte financial institution identification code is a unique identification code for identifying a third-party financial institution that issued at least one third-party financial account to the user in a predetermined banking program provided in the wireless terminal 100. It consists of 1 byte of hexacode that does not overlap with each institution.

The financial server access information is other financial server access information for accessing the other financial server in a WAP / VM manner through the wireless Internet in the wireless terminal 100, and the network corresponding to the selected financial service in the other financial server. Address information (e.g., Uniform Resource Locator (URL) / Uniformed Resource Identifier (URI) information, or tElephone NUmber Mapping (ENUM) information, or wireless Internet access information in the form of a telephone number) and / or financial transactions (wireless) of the financial server. Banking) method identification information is included.

The user ID information including letters / numbers within 12 bytes and the user passwords including letters / numbers / symbols within 12 bytes may be generated by the banking program provided in the wireless terminal 100. When a predetermined financial transaction (wireless banking) using the other financial account is connected to a server, the other financial server includes predetermined user authentication information for authenticating the user. The user ID information and the user password are included. According to the financial transaction (wireless banking) characteristic of the other financial server, user authentication information other than the ID / PW (for example, the authentication certificate information provided in the wireless IC chip 160) is used, or the wireless IC chip It is possible to input through the key input function provided in the wireless terminal 100 without storing in the 160.

The 12-byte financial account number is an account number corresponding to at least one third-party financial account issued to the user by the third-party financial institution, and the financial account number format is preferably determined by the third-party financial institution.

The financial transaction password within 12 bytes is valid for the financial transaction in the process of accessing the other financial server from the predetermined banking program provided in the wireless terminal 100 and performing the predetermined other financial transaction through the other financial account. Corresponds to the account password and / or password for the transaction approval to secure. For example, the financial transaction password may be an account transfer for executing the account transfer (or remittance) when the other financial transaction transfers a predetermined amount from the other financial account to a predetermined X-th financial account. Or remittance).

The 16-byte payment means information corresponds to at least one other payment means issued to the user by the other financial institution, for example, the payment means information includes a predetermined credit card number associated with the other financial account. It is done by

The two-byte financial service code defines a financial service that can be executed through the other financial account in units of bits, and calculates the defined bit through a bitwise OR. In the case of a two-byte code, up to 16 financial service codes are provided. It is possible to define code. If 16 or more financial service codes are defined, the financial service code byte number may be extended in correspondence with the code number.

The one-byte option flag is a flag for identifying whether there is additional information data in addition to the basic other banking account information. If the option flag is '0X00', there is no option information data, and the option flag other than '0X00' At least one option information data (eg, at least one or more sub-account number, or financial transaction random number, etc.) is present.

In FIG. 3, the financial transaction random number is connected to the other financial server in a predetermined banking program provided in the wireless terminal 100 at a predetermined financial transaction (wireless banking) through a predetermined other financial account. When the other financial institution requests a predetermined random number printed on the random card issued to the user, the random number is automatically processed. The 70-byte financial transaction random number as shown in FIG. 3 is 2 bytes. It is possible to represent up to 35 random numbers through decimal numbers.

According to an embodiment of the present invention, a method of storing (recording) the other financial account information in the wireless IC chip 160 (or the memory 165) may be performed by a user on a current server on a network through a predetermined client terminal. (E.g., the current financial server or the current Internet banking server) and register at least one other financial account information according to the other financial account information registration interface provided by the current server, and then establish a predetermined wireless communication network from the current server. It is possible to receive the wireless terminal 100 through the wireless IC chip 160 (or the memory 165) and store (record) the wireless terminal 100 through the wireless terminal 100, or input the other financial account information to the user in the wireless terminal 100. Providing a predetermined non-banking financial account information registration interface for the user, and writes down from the user through the non-banking financial account registration interface Receiving the one or more Ta financial account information it is possible to store (record) to the wireless IC chip unit 160 (or memory 165).

4 is a diagram illustrating a preferred program functional configuration provided in the wireless terminal 100 for selecting a wireless banking service access method according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the user interface unit included in a banking control program recorded on a recording medium provided in the wireless terminal 100 to select a wireless banking service access method in a predetermined financial transaction (wireless banking) process. 170 and the preferred functional configuration of the banking control unit 175, it is possible to omit (or added) some functional configuration according to the intention of those skilled in the art, or some functional configuration is the current financial service unit 185 and / Alternatively, it may be transferred to another financial service. Those skilled in the art to which the present invention pertains include the functions included in the user interface unit 170 and the banking control unit 175 based on the functional blocks shown in FIG. It can be easily inferred.

Referring to FIG. 4, the user interface unit 170 includes an output unit 405 for outputting a predetermined wireless banking service selection menu to a screen of the wireless terminal 100, and an input unit for receiving wireless banking service selection information from the user. And a menu generation unit 415 for generating and adding a selection menu corresponding to the other financial institution to the menu structure provided corresponding to the financial institution according to the implementation method. It is preferable to make it.

The output unit 405 is characterized in that the function of the information output means for outputting at least one selection menu output through the screen output unit 115 for outputting the wireless banking service connection method selected by the banking control unit 175. According to the implementation method, the financial service unit 185 and / or the other financial service unit 180 outputs predetermined information (or interface screen) that is requested to be output in the process of providing a predetermined financial transaction (wireless banking). It is preferable to output through the screen output unit 115.

The input unit 410 is a function of information input means for directly inputting from the key input unit 120 or reading from the information output on the screen to select a wireless banking service access method by the banking control unit 175. According to an implementation method, predetermined information (or data) requested to be input in the process of providing a predetermined financial transaction (wireless banking) by the current financial service unit 185 and / or the other financial service unit 180. ) Is preferably input from the key input unit 120 (or read from the information output on the screen).

When the predetermined third party financial account information is received from the user (for example, the other third party financial account information is input through the third party financial account information registration interface provided by the user to the wireless terminal 100). Or when the third party financial account information registered by the user is received from the current server on the network), the third party financial institution corresponds to a menu structure provided corresponding to the current financial institution by using the received third party financial account information. And a function of a menu generation means for generating predetermined user interface information by adding a predetermined selection menu, wherein the generated selection menu is included in the wireless IC chip 160 (or memory) provided in the wireless terminal 100. (165)) the function of the menu storage means for storing.

According to another exemplary embodiment of the present invention, the menu generation unit 415 outputs a predetermined selection menu on the screen after a predetermined financial transaction (wireless banking) is initiated in the wireless terminal 100. The method may further include a function of extracting predetermined information data from other financial account information stored in the IC chip 160 (or the memory 165) to generate the selection menu.

Referring to FIG. 4, the banking controller 175 checks menu information selected by the user, and issues and / or issues a wireless IC chip 160 provided in the wireless terminal 100 by the wireless banking service selected by the user. Judgment unit 420 and the determination result of the determination unit 420 determines whether it is a wireless banking service provided by the first financial institution provided, or a wireless banking service provided by other financial institutions except the first financial institution. In accordance with, characterized in that it comprises a selection unit 425 for selecting a wireless banking service access method for providing a wireless banking service selected by the user.

According to the embodiment of the present invention, the banking control unit 175 receives the wireless IC chip 160 permission code issued to the user from the first financial institution through the input unit 410, the wireless IC chip ( It is preferable that the authentication unit 435 for processing the user authentication by checking the permission code of the wireless IC chip 160 in conjunction with the 160 is preferably made, the authentication unit 435 is It may be provided in the bank financial service unit 185.

In addition, the banking control unit 175 is the determination result of the determination unit 420, the wireless banking service selected by the user issuing and / or providing a wireless IC chip 160 provided in the wireless terminal 100; In the case of a wireless banking service provided by another financial institution (second financial institution) except for one financial institution, the wireless banking service information and / or financial institution information connected in correspondence with the wireless banking service are stored in a predetermined memory. The first financial institution server (or the first financial institution linked server) further includes a storage unit 440, and / or financial institution information connected to the wireless banking service information and / or the wireless banking service. It is preferable to further comprise a transmitting unit 430 to transmit, and according to the implementation method, the storage unit 440 and / or the transmitting unit 430 is provided in the other financial services unit 180 It's okay.

Referring to FIG. 4, the other financial service unit 180 issues and / or provides a wireless IC chip 160 provided in the wireless terminal 100 by the wireless banking service selected by the user as a result of the determination of the determination unit. In the case of a wireless banking service provided by a third-party financial institution excluding the current financial institution, by using the third-party financial account information previously issued by the third-party financial institution stored in the wireless IC chip 160, the wireless banking service is requested in response to the wireless banking service. An information processor 445 for extracting and automatically inputting information included in the financial account information into at least one or more information input areas provided by the other financial server for receiving information (or data); It is characterized by comprising.

The banking element data received from the other financial service unit for processing a financial transaction (wireless banking) based on WAP / VM includes at least one banking element item, wherein the banking element item includes at least one menu area and And / or an information input area.

For example, if the banking element data received from the other financial server is banking element data corresponding to the account inquiry, the banking element data includes a banking element item including an account number item and a password item. The banking element item includes a menu area for selecting an account number and a menu area for selecting a password, an account number input area for inputting the account number, and a password input area for inputting a password. And a menu area for transmitting an account number and a password to the other financial server and / or a menu area for initializing the account number input area and a password input area.

The information processor 445 reads a banking element item included in the received banking element data, and reads predetermined information corresponding to the banking element item from the wireless IC chip 160 (or the memory 165). Information corresponding to the information input area of the banking element item) and automatically extracts (or inserts) the extracted information (or data) into the information input area of the banking element item.

According to an exemplary embodiment of the present invention, information corresponding to an information input area among the banking element items is not extracted from the wireless IC chip 160 (or the memory 165), or the selected information input area receives a user input. When the requested information input area (eg, an information input area for inputting an amount of money transfer when the financial transaction (wireless banking) corresponds to a wire transfer), the information processing unit 445 receives the information input area from the user. A request is made to input predetermined information corresponding to.

5 is a diagram illustrating a functional configuration of a preferred wireless banking service access method selection system according to an embodiment of the present invention.

In more detail, in FIG. 5, in the wireless terminal 100 as shown in FIG. 1, in the current financial server (or the current server) that issues the wireless IC chip 160 mounted or detached from the wireless terminal 100, FIG. Provide and mount a predetermined banking control program in the wireless terminal 100, provide at least one or more other financial account information, record it in the wireless IC chip 160 (or the memory 165), and then record the wireless terminal ( A preferred banking service access method selection system for performing a predetermined banking transaction (wireless banking) by accessing at least one other banking server based on the banking account information in the banking control program installed at 100). Those skilled in the art to which the present invention belongs, various modifications to the wireless banking service connection method selection system shown in FIG. The embodiment to be applied may be easily inferred.

Referring to FIG. 5, the banking server wirelessly stores a predetermined banking control program including the user interface 170, the banking controller 175, the banking service 180, and the banking service 185. It characterized in that it comprises a program providing unit 505 to be provided and mounted to the terminal 100.

User information for issuing a wireless IC chip 160 in which a predetermined bank account is recorded in the wireless terminal 100, and another bank account for at least one other financial institution that issues at least one financial account to the user. Storage medium 510 for storing information in association with the storage medium; and management unit 515 for managing issuing a predetermined non-banking financial account to the user by at least one third-party financial institution through the storage medium 510. It is characterized by.

According to an embodiment of the present invention, the current financial server is at least one other financial server that issued another financial account to the management unit 515 and the user through a predetermined network 540 and / or communication means 540. And / or an interface unit 520 associated with a predetermined financial management server 545 for storing / managing financial account management information for the user.

According to the method of the present invention, the current financial server provides the other financial account information stored in the storage medium 510 to the wireless terminal 100 and / or the wireless IC chip 160 (or the memory 165). And a transmission unit 525 for processing the recordable data structure and transmitting the processed other financial account information to the wireless terminal 100 through a predetermined wireless communication network.

According to the method of the present invention, the banking server is another banking transaction (wireless banking) using a predetermined banking account recorded in the wireless IC chip 160 (or memory 165) in the wireless terminal 100 (wireless banking). ) Is completed, it is preferable to further comprise a receiving unit 530 for receiving the wireless banking service information (and / or other financial institution information) from the wireless terminal (100).

According to an embodiment of the present invention, the banking server stores the wireless banking service information (and / or other financial institution information) received through the receiving unit 530 in association with the user information and / or. It is preferable to further comprise 535.

The storage medium 510 for storing the user information that issued the wireless IC chip 160 and the other financial account information is connected to the wireless terminal through a window terminal (or an administrator terminal) provided in the financial institution. Providing user information requesting other financial transactions (wireless banking) and other financial account information (e.g., when a user fills out a prescribed form and submits it to a financial institution), the counter terminal (or manager terminal) of the financial institution Receive and store the information included in the form, and / or the user information from the user through a predetermined server (eg, an internet banking server (not shown)) or a device provided in the financial institution. It is characterized by receiving and storing another line financial account.

As described above, when the user information requesting the other financial transaction (wireless banking) and the other financial account information are stored in association with the storage medium 510 through the wireless terminal 100, the management unit 515 stores the stored user information. And the other financial server using the predetermined network 540 and / or the communication means 540 through the interface unit 520 based on the other financial account information, or the predetermined financial management server 545. (E.g., the KFTC server or the credit rating agency server), check the changes in the other financial account information for the user, and if there are changes in the other financial account, the changes are stored in the storage medium Update to 510.

When the other financial account information stored in the storage medium 510 is changed (or updated), the transmitter 525 transmits the changed (or updated) information to the wireless terminal 100 (eg, wirelessly). When the program provided in the terminal 100 operates based on Wireless Internet Platform for Interoperability (WIPI), or a predetermined callback UEL (eg, the wireless terminal 100 is transmitted to the wireless terminal 100). Transmitting the other financial account information update message including a callback UL) requesting to access a server, and transmitting the changed (or updated) information to the wireless terminal 100 based on the callback UL, or the wireless Transmitting the changed (or updated) information at the request of the terminal 100 to the wireless terminal 100, or using the current financial account in the wireless terminal 100 During the IC chip-based financial transaction (wireless banking), the changed (or updated) information is transmitted to the wireless terminal 100, and the other financial account information transmitted to the wireless terminal 100 is the wireless IC chip ( 160 (or a memory unit).

The receiving unit 530 performs the predetermined banking transaction (wireless banking) using the other banking account in the wireless terminal 100, and then the wireless banking service information (and / or the other bank) from the wireless terminal 100. When the financial institution information is transmitted, the wireless banking service information (and / or other financial institution information) is received and stored in a predetermined storage medium 535 in association with the user information and / or the other financial account information. .

The other financial server is a WAP-based and / or VM-based financial transaction (wireless banking) server that issues at least one other financial account to the user, and the WAP-based and / or VM-based financial transaction (wireless banking) service. And a storage medium 560 for storing predetermined financial transaction (wireless banking) information necessary for the financial transaction (wireless banking). The functional configuration of the other financial server follows the basic technical details of the financial transaction (wireless banking) system provided in each other financial institution, and thereby the technical idea of the present invention is not limited.

6 is a diagram illustrating an implementation process of selecting a wireless banking service access method in a wireless terminal 100 according to an embodiment of the present invention.

In more detail, Figure 6 is a financial transaction (wireless banking) in the wireless terminal 100, in the banking control program provided in the wireless terminal 100 in the banking control program and at least one or more other financial institutions of the financial transaction One preferred implementation process is to select a financial institution to conduct (wireless banking).

Referring to FIG. 6, the wireless terminal 100 selects a predetermined hot key and / or financial transaction (wireless banking) menu, thereby providing a current financial account issued to the user by the current financial institution. Check whether the IC chip-based financial transaction (wireless banking) service is started (600).

If the financial transaction (wireless banking) service using the current financial account issued by the current financial institution to the user in the wireless terminal 100 is started (605), the wireless terminal 100 is the financial transaction (wireless banking) In order to confirm the validity of the wireless IC chip 160 (610), according to a preferred embodiment of the present invention, the validation process for the wireless IC chip 160 is predetermined in the wireless terminal 100 When the personal identification number (PIN) is input to the wireless IC chip 160, the wireless IC chip 160 includes a series of procedures for authenticating the personal identification number.

If the validity of the wireless IC chip 160 is not authenticated (615), the wireless terminal 100 selects a wireless banking service connection method in the banking control program and selects a predetermined method corresponding to the current or other financial institution. The financial transaction (wireless banking) using the financial account is terminated without being normally performed, while if the validity of the wireless IC chip 160 is authenticated (615), the wireless terminal 100 receives the banking control program. At least other financial transactions to the wireless IC chip 160 (or the memory 165) to perform a financial transaction (wireless banking) using a predetermined financial account corresponding to the bank or other financial institution by selecting a wireless banking service connection method. Check whether the account information is stored (620).

According to another exemplary embodiment of the present invention, the determining whether the other financial account information is stored may include: checking whether at least one other financial server connection information is stored in the wireless IC chip 160 (or the memory 165). It may be replaced by a process of confirming that predetermined user interface information for selecting a third party financial server (and / or financial service) is stored in the memory unit.

If no other financial account information is stored in the wireless IC chip 160 (or the memory 165) (625), the banking control program provided in the wireless terminal 100 is the wireless IC issued by the party. A predetermined financial institution using a predetermined financial means (and / or payment means) included in the chip 160 is selected as a financial service corresponding to the financial transaction (wireless banking), and based on the wireless IC chip 160. Perform a financial service (630).

On the other hand, if the at least one other financial account information is stored in the wireless IC chip 160 (or the memory 165) (625), the wireless terminal 100 is predetermined user interface information provided in the banking control program. And / or user interface information stored in the memory unit and / or user interface information read from predetermined other financial account information stored (recorded) in the wireless IC chip 160, FIGS. 7A to 7B. A financial selection menu for selecting a predetermined financial institution to perform the financial transaction (wireless banking) among the current financial institution and at least one or more other financial institutions is output, and predetermined financial institution selection information is input from the user. Wait (635).

If predetermined financial institution selection information is input from the user (640), the wireless terminal 100 performs a financial institution selection information reading procedure such as the program code illustrated in FIG. In operation 645, it is determined whether a selected financial institution is selected or a predetermined third party financial institution is selected.

If the result of the determination is that the user selects the current financial institution that issued and / or provided the wireless IC chip 160 provided in the wireless terminal 100 (650), the wireless terminal 100 selected by the user. After the wireless banking service access method for providing a financial service through the financial institution, the wireless IC chip 160-based access method-generated information (or data) required for the wireless banking service is generated in advance. In step 630, the generated full text is selected in a manner of being connected to the current financial server and transmitted.

On the other hand, if the user selects a third-party financial institution other than the current financial institution that issued and / or provided the wireless IC chip 160 (650), the third-party financial institution in a predetermined program provided in the wireless terminal 100. The wireless banking service access method through the wireless Internet-based access method-wired to the other financial institution server (or second financial institution linked server) selected by the user, and then required information (or data) corresponding to the wireless banking service. ) Is selected as a method of transmitting to the other financial server to perform the wireless banking service required by the user (655).

In the method of FIG. 6, the wireless IC chip 160 (or memory 165) stores (records) predetermined third party financial server connection information for the selected third party financial server. The banking control program provided at 100 performs a financial transaction (wireless banking) by accessing the other financial server through the WAP / VM method through the other financial server access information.

7A and 7B illustrate a screen of a wireless terminal 100 for selecting a financial institution for selecting a wireless banking service access method according to an exemplary embodiment of the present invention.

In more detail, in FIG. 7A, when a predetermined financial institution is selected from the existing financial institution and the other financial institution and the user other financial institution is selected, the wireless IC chip 160 (or the memory 165) is stored (recorded). A predetermined third-party financial institution that performs other financial transactions (wireless banking) among at least one third-party financial institution (for example, "XXXX bank", "YYYY bank", "ZZZZ bank") corresponding to the other financial account information. It is an example of selecting a screen.

In addition, FIG. 7B illustrates a current financial institution (eg, "ABCD bank") that provides financial transactions (wireless banking) based on an IC chip in the wireless terminal 100, and the wireless IC chip 160 (or memory 165). To perform a third-party financial transaction (wireless banking) among at least one third-party financial institution (e.g., "XXXX Bank", "YYYY Bank", "ZZZZ Bank") corresponding to the other financial account information stored (recorded). This is a screen illustrating a screen for selecting a predetermined third-party financial institution.

8 illustrates a program code for determining and selecting a wireless banking service access method according to an embodiment of the present invention.

More specifically, FIG. 8 is a C / C ++ based method for determining and selecting a wireless banking service access method using the selected financial institution information as a predetermined parameter when a financial institution is selected in the same manner as in FIGS. 7A to 7B. Program code is an example. Those skilled in the C / C ++ programming language will be able to clearly understand the program code exemplified above, and thus detailed description thereof will be omitted.

9 is a diagram illustrating an implementation process of selecting a wireless banking service access method in the wireless terminal 100 according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates the other financial services of the banking control program and the at least one other financial institution in the banking control program included in the wireless terminal 100 during a predetermined financial transaction (wireless banking) in the wireless terminal 100. The preferred embodiment of the present invention selects a predetermined financial institution to conduct a transaction (wireless banking) and selects a predetermined financial service to be performed through the selected financial institution.

When a predetermined financial transaction (wireless banking) is performed in the wireless terminal 100 through the process as shown in FIG. 6 and the financial transaction (wireless banking) is selected to be performed by a predetermined banking institution (900), The wireless terminal 100 is a wireless banking service access method for providing a financial service through the bank financial institution selected by the user based on the wireless IC chip 160-based access method-information required for the wireless banking service ( Or data) as a full text message, and then select the generated full text message in a manner of accessing and transmitting the generated text message to the current financial server to perform the financial service selected by the user (905), and the financial transaction (wireless banking). Is selected to be performed by a predetermined third party financial institution (900), the wireless terminal 100 is a predetermined user interface provided in the banking control program From information and / or user interface information stored in the memory unit and / or user interface information read from predetermined other financial account information stored (recorded) in the wireless IC chip 160, FIGS. As shown in FIGS. 10B to 10C, a predetermined financial service selection menu to be provided through the other financial institution is output and waits for input of predetermined financial service selection information from the user (910).

If predetermined financial service selection information is input from the user (915), the wireless terminal 100 performs the financial institution selection information and the financial service reading procedure such as the program code illustrated in FIG. In operation 100, a predetermined third party financial service to be processed through the third party financial institution is performed in a WAP / VM manner.

In the method of FIG. 9, the wireless IC chip 160 (or the memory 165) includes predetermined third party financial server connection information for providing the selected financial service in the selected third party financial server (for example, the third party financial). A wireless page network address for providing the selected specific financial service in the server) is stored (recorded), and the banking control program provided in the wireless terminal 100 is connected to the other financial server through the other financial server access information. Perform financial transactions (wireless banking) by connecting with WAP / VM method.

10A, 10B, and 10C illustrate a screen of a wireless terminal 100 for selecting a financial institution for selecting a wireless banking service access method according to an embodiment of the present invention.

More specifically, in FIG. 10A, when a predetermined financial institution is selected from the existing financial institution and the other financial institution and the user other financial institution is selected, the wireless IC chip 160 (or the memory 165) is stored (recorded). A predetermined third-party financial institution that performs other financial transactions (wireless banking) among at least one third-party financial institution (for example, "XXXX bank", "YYYY bank", "ZZZZ bank") corresponding to the other financial account information. In this case, the screen for selecting a predetermined financial service corresponding to a financial transaction (wireless banking) from at least one or more financial services provided by the selected third party financial institution is illustrated.

In addition, FIG. 10B illustrates a current financial institution (eg, "ABCD bank") that provides financial transactions (wireless banking) based on an IC chip in the wireless terminal 100, and the wireless IC chip 160 (or memory 165). To perform a third-party financial transaction (wireless banking) among at least one third-party financial institution (e.g., "XXXX Bank", "YYYY Bank", "ZZZZ Bank") corresponding to the other financial account information stored (recorded). A screen for selecting a predetermined third party financial institution and selecting a predetermined financial service corresponding to a financial transaction (wireless banking) from at least one or more financial services provided by the selected third party financial institution.

In addition, FIG. 10c illustrates a financial service selection menu corresponding to at least one or more financial services to be provided through the financial institution based on the IC chip in the wireless terminal 100, and provides a financial transaction (wireless banking) in a WAP / VM manner. Selecting a predetermined third party financial institution to perform another financial transaction (wireless banking) from at least one other financial institution to perform, and corresponding to a financial transaction (wireless banking) among at least one or more financial services provided by the selected third party financial institution A screen for selecting a predetermined financial service is illustrated.

Figure 11 illustrates a program code for determining and selecting a wireless banking service access method according to another embodiment of the present invention.

In more detail, in FIG. 11, when a predetermined financial service to be processed through a financial institution and the financial institution is selected in the same manner as in FIGS. 10A to 10B to 10C, the selected financial institution information and financial service information are selected. The following is an example of C / C ++ based program code for determining and selecting a wireless banking service access method as a parameter. Those skilled in the C / C ++ programming language will be able to clearly understand the program code exemplified above, and thus detailed description thereof will be omitted.

12 is a diagram illustrating a process of providing a financial transaction (wireless banking) by selecting a wireless banking service access method according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates the wireless terminal when the wireless banking service access method is determined and selected as a financial transaction (wireless banking) corresponding to a predetermined third party financial institution through the process of FIGS. 6 and / or 9. The banking control program provided at 100 illustrates a process of providing a non-banking financial transaction (wireless banking) of a WAP / VM method.

Referring to FIG. 12, if the wireless banking service access method is determined and selected as a financial transaction (wireless banking) corresponding to a predetermined third party financial institution through the process of FIGS. 6 and / or 9, the wireless terminal 100 In operation 1200, the third party financial server access information corresponding to the selection information is extracted from the wireless IC chip 160 (or the memory 165).

According to another exemplary embodiment of the present invention, in FIGS. 6 and / or 9, when the user interface unit 170 is stored in the memory unit of the wireless terminal 100, the wireless banking service connection method selection process may be performed. It is possible to omit validity authentication for the wireless IC chip 160, and in this case, the validity authentication process for the wireless IC chip 160 is performed by the wireless IC chip 160 (or the wireless IC chip 160). The memory 165 may be performed before extracting the other financial server connection information corresponding to the selection information.

When the other financial server connection information is extracted as described above, the wireless terminal 100 accesses the other financial server on the wireless communication network based on the other financial server connection information, and the WAP / VM type financial transaction is performed from the other financial server. It receives a predetermined banking element data for (wireless banking) (1210).

If the predetermined banking element data is received from the other financial server (1215), the wireless terminal 100 reads the banking element data received from the other financial server to identify the predetermined banking element item (1220).

If the read result does not include the banking element item recognizable by the wireless terminal 100 in the banking element data (1225), the wireless terminal 100 generates predetermined banking element data error information and generates the wireless terminal 100. Output to the screen, and transmits the banking element data error information to the current financial server (current server) (1230), whereby the current financial server (current server) is the wireless terminal for solving the error Provided with the other financial account information and / or emulation data information (100).

On the other hand, if the read result includes the banking element item recognizable by the wireless terminal 100 in the banking element data (1225), the wireless terminal 100 is the wireless IC chip 160 (or memory 165). Extracts predetermined financial transaction (wireless banking) information corresponding to the identified banking element item from the terminal, and / or receives a predetermined key input from the user.

As described above, the predetermined financial transaction (wireless banking) information corresponding to the banking element item is extracted from the wireless IC chip 160 (or the memory 165), and / or is input through a predetermined key input from the user. Upon receiving, the wireless terminal 100 automatically inputs (or inserts) the extracted / input financial transaction (wireless banking) information into the information input area of the banking element item, thereby enabling WAP / VM-based financial transaction (wireless banking). Generate a full text (1240).

When the WAP / VM-based financial transaction (wireless banking) telegram is generated as described above, the wireless terminal 100 transfers the generated financial transaction (wireless banking) telegram to the other financial server through a wireless communication network in a WAP / VM manner. And transmit (1245).

According to an embodiment of the present invention, the wireless terminal 100 receives predetermined banking element data from the other financial server, and extracts the banking element data from the wireless IC chip 160 (or the memory 165). Or / or automatically input (insert) predetermined financial transaction (wireless banking) information input through a predetermined key input from the user to generate a predetermined financial transaction (wireless banking) telegram and transmit it to the other financial server. The process may occur at least once while the WAP / VM-based other financial transaction (wireless banking) is performed, and if the WAP / VM-based other financial transaction (wireless banking) is completed (1250), The wireless terminal 100 stores predetermined wireless banking service information (and / or other financial institution information) generated and / or confirmed in the financial transaction (wireless banking) process (1255), and By managing pre-banking service information (and / or other financial institution information) to the current financial server (or our server) on the wireless communication network, the other financial transaction (wireless banking) is managed by the current financial server (or our server). Do it.

100: wireless terminal 155: wireless IC chip
165: memory unit 170: user interface unit
175: banking control unit 180: other financial services department
185: Bank Financial Services Department 405: Output Department
410: input unit 415: menu generation unit
420: determination unit 425: selection unit
430: transmission unit 435: authentication unit
440: storage unit 445: information processing unit

Claims (5)

In the financial transaction providing method according to the service access method executed by the program provided in the user's wireless terminal,
Selecting a financial transaction to be provided through a financial institution server according to a designated service access method;
Driving a program module to be linked with the program or checking a pre-driven program module according to a service access method; And
Providing financial transaction information combining the input or selected information for the financial transaction to the program module; Financial transaction providing method according to a service access method comprising a.
The method of claim 1, wherein the service connection method,
And a service method of the program based on at least one of a financial company server to communicate to receive the financial service through the selected specific financial company, an available communication network and protocol for communicating with the financial company server. Financial transaction providing method according to the service access method.
The method of claim 1, wherein the service connection method,
And a method of interworking with a specific program module in the wireless terminal to provide the financial service through the selected specific financial company.
The method of claim 1, wherein the program module,
And a module using a signing certificate corresponding to the service access method for the financial transaction.
The method of claim 1, wherein the wireless terminal,
Providing financial transactions in accordance with a service access method, characterized in that a wireless LAN, Wi-Fi, a mobile communication network can connect to at least two communication networks or support two or more protocols for providing the financial services. Way.

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