KR20120125450A - Method for Relaying Approval of Mobile Transaction - Google Patents

Abstract

PURPOSE: A wireless transaction approval relay method is provided to process one or more financial transactions by using a financial account of a client opened in other financial institutions or another financial account of the client. CONSTITUTION: A server side(100) includes the followings. When a client wireless terminal(200) transmits predetermined financial transaction information data, an information receiving unit(115) receives the financial transaction information data. A financial account(or financial product) selecting unit(120) selects one or more financial accounts(or financial products) as financial transaction target financial accounts(or financial products) corresponding to the financial transaction information data from plural financial accounts(or financial products) of a client. [Reference numerals] (100) Server side; (105) Information storage unit; (110) Storage medium; (115) Information receiving unit; (120) Financial account(financial product) selecting unit; (125) Information transmitting unit; (130) Financial transaction processing unit; (135) Network/communication unit; (150) Financial system; (155) Outside system module; (160) Account system module; (165) Information system module; (170) Module interface; (175) DBMS; (200) Client wireless terminal; (AA) Mobile phone; (BB) PDA/Wibro terminal; (CC) Telematics; (DD) Client information; (EE) Condition(policy) information; (FF) Wireless terminal information; (GG) Client financial account(financial product) information; (HH) Card information corresponding to client financial account(payment measure); (II) Internet banking unit; (JJ) Phone banking unit; (KK) CD/ATM unit; (LL) Other bank transaction unit; (MM) Call center unit; (NN) Financial payment unit; (OO) Credit unit; (PP) Receiving unit; (QQ) Trust unit; (RR) Asset debt management unit; (SS) Client relation management unit; (TT) Record management unit; (UU) Client's financial accounts(financial product); (VV) Management information; (WW) Client ledger information

Description

Method for relaying approval of mobile transaction

The present invention relates to a wireless transaction approval relay method executed by a server communicating with a wireless terminal of a customer and interworking with a financial system that has issued a payment means to the customer, wherein the wireless terminal information of the customer is stored in a storage medium on the financial system. And when at least one information of the customer information on the customer and the payment means information of the customer are mapped and stored, transmitting the transaction approval request information on the transaction to the wireless terminal of the customer by the transaction request of the customer, In response to the transaction approval request information received by the wireless terminal of the customer receives the transaction approval information transmitted through the program provided in the wireless terminal of the customer, and performing the transaction approval process of the received transaction approval information The transaction approval information is transmitted to a financial system, and the transaction approval information is keyed in the wireless terminal for the transaction approval. By having a means to wireless transaction authorization relay method comprising a key input transaction authorization password and at least one key input information of the transaction authorization code.

Recently, financial institutions have expanded their business in various ways and expanded their scope, and customers who deal with the financial institutions through marketing, such as cross selling or up-selling, Opening at least one financial account (or financial instrument) at an institution, and / or using at least one financial instrument sold by the financial institution, and / or receiving financial services provided by the financial institution. One financial transaction through the financial institution is performed by matching with one financial account (or financial product). For example, if the financial institution is a bank, the customer may make a plurality of financing for the Ordinary Deposit and / or Demand Deposit and / or Equity Fund Investments and / or Forex Investments. It is common to open an account (or financial instrument).

On the other hand, it is inertial to financial transactions and / or financial services made through the financial institution. That is, a customer may use the financial service provided by the financial institution for the first time at the time of opening a predetermined financial account (or financial product) at the financial institution, or purchasing a predetermined financial product sold by the financial institution. No attempt is made to change the financial transaction settings set at the time, even if the financial transaction settings are inefficient and in some cases monetary to the customer. For example, in the case of a financial transaction in which the financial institution is a bank, and the payment made by a predetermined billing institution is processed by direct debit through a predetermined demand deposit account, the customer is established at the time of applying for the direct debit service. The financial transaction setting may not be changed unless a specific matter is required until the required deposit account is closed or the deposit is lost.

As described above, the customer does not change the preset financial transaction setting, firstly, the client is not provided with or lacks information for identifying the characteristics and / or advantages and disadvantages of the preset financial transaction setting, and second, the information necessary for the customer is provided. Even if it is because the process of changing the financial transaction settings is complicated.

In addition, the financial transaction means that used the conventional windows and / or automated devices have been developed in the manner of using wired and / or wireless communication infrastructure due to the development of information and communication technology, the financial instruments are recently activated the constraints of time and space A wireless financial transaction means which can be used without a charge, the wireless financial transaction means is a wireless terminal and the wireless terminal to mount or detach the IC chip (or IC card) and the IC chip (or IC card) matching a predetermined financial account; And a wireless network connecting the server side.

However, in the wireless financial transaction means, since the IC chip (or IC card) is matched with a predetermined financial account, there is a problem of providing only financial transactions related to the receiving and / or credit services corresponding to the financial account. It includes.

SUMMARY OF THE INVENTION An object of the present invention is a wireless transaction approval relay method executed by a server communicating with a wireless terminal of a customer and interworking with a financial system that has issued a payment means to the customer, wherein the wireless medium of the customer is stored in a storage medium on the financial system. When at least one of the terminal information and the customer information about the customer and the payment means information of the customer are mapped and stored, the transaction approval request information for the transaction is transmitted to the wireless terminal of the customer by the transaction request of the customer. And a second step of receiving transaction approval information transmitted through a program provided in the wireless terminal of the customer in response to the transaction approval request information received by the wireless terminal of the customer and the received transaction approval information. And a third step of delivering the transaction to the financial system for performing the transaction approval process. , To provide a wireless transaction authorization made relay method including the transaction authorization key input password with at least one key input information of the transaction authorization code through a key input means of the radio terminal to the transaction authorization.

The wireless transaction approval relay method according to the present invention is a wireless transaction approval relay method executed by a server communicating with a wireless terminal of a customer and interworking with a financial system that has issued a payment means to the customer, wherein the storage medium on the financial system is provided. At least one of the wireless terminal information of the customer and the customer information of the customer and the payment means information of the customer are mapped and stored, the transaction for the transaction to the wireless terminal of the customer by the transaction request of the customer A first step of transmitting the approval request information and a second step of receiving transaction approval information transmitted through a program provided in the wireless terminal of the customer in response to the transaction approval request information received by the wireless terminal of the customer; And a third step of transferring the completed transaction approval information to the financial system performing the transaction approval process. Said, the transaction authorization information is characterized by comprising a key input transaction authorization password and a transaction authorization code, at least one input key information in the key through the input means of the radio terminal to the transaction authorization.

In the wireless transaction approval relay method according to the present invention, the second step further receives an identifier identifying a customer who requested the transaction or a payment method to be used for the transaction, and the fourth step, Characterized in that the transfer to the financial system through the identification information.

In the wireless transaction approval relay method according to the present invention, the second step further receives a transaction code designating a transaction type for the transaction, and the fourth step transmits the transaction code to the financial system. It is characterized by.

In the wireless transaction approval relay method according to the invention, the transaction approval information, and the certificate-related information generated through the authentication certificate of the customer extracted by authenticating the PIN (Personal Identification Number) input through the key input means; And at least one piece of biometric information of the customer recognized through the biometric means of the wireless terminal for the transaction approval.

In the wireless transaction approval relay method according to the present invention, the transaction approval information is received through a communication network connected by the wireless terminal of a mobile communication network connected to the wireless terminal and a communication network connected through short-range wireless communication of the wireless terminal. It is characterized by.

According to the present invention, in a financial transaction using predetermined financial account (or payment means) information data included in an IC chip in a customer wireless terminal, a financial account optimized by the predefined predetermined condition (or policy) information ( Or at least one financial transaction corresponding to a financial instrument corresponding to the financial account (or financial instrument) selected in accordance with the condition (or policy) information.

According to the present invention, in a financial transaction using predetermined financial account (or payment means) information data included in an IC chip in a customer wireless terminal, the IC chip corresponds to the IC chip by the predefined predetermined condition (or policy) information. There is an advantage of processing at least one or more financial transactions using another financial account of the customer opened in a financial institution or the customer's financial account opened in another financial institution.

1 is a diagram showing a mobile financial transaction system according to a preferred embodiment of the present invention.
2 is a view showing the functional configuration of a mobile terminal for a mobile financial transaction in accordance with a preferred embodiment of the present invention.
3 is a diagram illustrating a method for operating a wireless terminal for a mobile financial transaction in accordance with a preferred embodiment of the present invention.
4 is a diagram showing a mobile financial transaction method according to a preferred embodiment of the present invention.
FIG. 5 illustrates a preferred method of identifying and selecting a financial account (or financial instrument) meeting a condition (or policy) in accordance with one embodiment of the present invention.
6 is a diagram illustrating a customer terminal for mobile financial transaction approval according to an 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. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. 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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present title.

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

In addition, the preferred embodiment of the present invention to be carried out below will be described as a predetermined means provided on the server side consisting of at least one server in order to efficiently describe the technical components constituting the present invention, the server side Functional configuration (eg, financial transaction approval module) and / or function server (eg, financial transaction) provided in a separate server system interworking with a predetermined financial system according to the intention and / or implementation method, or provided in the financial system. The server may be provided as an approval server, and each means constituting the server side can be implemented in various ways. For example, each means for forming the server side is recorded on a recording medium provided in the server according to the function configuration of each server included on the server side and / or the unique characteristics (or roles) of the server. A program (e.g., a program comprising at least one or more functions for performing a unique function (or role) of each means), and / or the at least one or more means are configured as one independent server It is possible to configure a plurality of servers to be interlocked through a predetermined inter-server interface.

In addition, the preferred embodiment of the present invention will be described below that the storage medium is provided on a network accessible from the server side in order to efficiently describe the technical components constituting the present invention, the present invention belongs to Those skilled in the art will clearly understand that the storage medium may be stored in a predetermined server provided on the server side or provided on the financial system.

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 showing a mobile financial transaction system according to a preferred embodiment of the present invention.

In more detail, Figure 1 is provided with a financial account (or payment means) information data on the IC chip in the customer wireless terminal 200 according to a preferred embodiment of the present invention, in conjunction with the customer wireless terminal 200 For the case where the server side 100 including the functional configuration of the mobile financial transaction system according to the present invention is provided on a network interworking with the financial system 150 for processing a financial transaction through a predetermined interface means 145. As those skilled in the art to which the present invention pertains, an implementation method (eg, provided in the financial system 150) provided by the server side 100 based on the implementation method illustrated and described in FIG. In addition, the server side 100 is composed of at least one module provided in the financial system 150 and the interface means 145 is an inter-module interface provided in the financial system 150 Implementation Method), or the server side (100) included in the switch 170 will be able to easily infer the exemplary method to configure a single server or multiple servers.

The financial account (or financial product) is characterized in that it comprises at least one banking component (Banking Components) and / or brokerage component (Brokerage Components), the banking component is at least one banking transaction made in the financial institution (E.g., the bank's unique business as defined in the relevant laws and regulations, including account balance checks, deposits, withdrawals, transfers, payments, payment instructions, funds transfers, and payments); The intermediary element comprises a component for processing at least one or more intermediary transactions made at the financial institution (e.g., a task for the purpose of obtaining a fee, including the sale or exchange of securities).

The financial system 150, in which the customer-owned financial account (or financial product) is opened and operated, includes an accounting module for a window service such as credit or reception or trust or foreign exchange occurring at at least one branch, and processing of the headquarters business. And information system modules for branch office information support and customer relationship management, and the financial system 150 and homes, businesses, stores, and other external computer networks to connect a variety of electronic financial services (e.g., Internet banking, phone banking, CDs). External module providing Dispenser / ATM (Automatic Teller Machine), foreign currency exchange, call center, financial settlement), and inter-module interface corresponding to middleware providing an interface between components in the financial system 150 Predetermined information (eg, customer-owned financial account (or financial) required for each function in the 170 and components in the financial system 150. ) Or DBMS (Database Management System) for storing and managing customer ledger information or management information, etc., and the types of financial institutions (eg, commercial banks, savings banks, trust banks, credit card companies) Depending on the purpose and characteristics of the system 150, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown).

The financial system 150 and the server side 100 interwork through a predetermined interface means. As shown in FIG. 1, the server side 100 is provided on a network outside the financial system 150. In the interface means comprises a network means and / or communication connection means 135 for interworking the server side 100 and the financial system 150, according to another embodiment the server side 100 In the case of an implementation method provided with at least one module provided in the financial system 150, the interface means may be included in the intermodule interface 170 provided in the financial system 150.

The financial system 150 performs a predetermined financial transaction (or payment processing) in the customer wireless terminal 200 connected through a predetermined network and / or communication means 135, and the customer wireless terminal 200 Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) providing wireless banking and / or wireless payment services At least one terminal or a personal digital assistant (PDA) or a smart phone, a telematics or a wireless data communication terminal, or a portable internet terminal is included. The wireless terminal 200 includes a predetermined terminal. Or withdrawal of IC chip with predetermined financial account (or payment means) information data for financial transactions (or payment processing) It is characterized.

According to one embodiment of the invention, the network and / or communication means 135 connecting the customer wireless terminal 200 and the financial system 150 (or server side 100) is the customer wireless terminal 200 It is preferable to include a wireless network including at least one of a mobile communication network or a wireless data communication network or a portable Internet network, the wireless network is a wireless section and the financial system (interworking with the customer wireless terminal 200) ( 150 (or the server side 100) preferably includes a wired section that interworks with.

According to another exemplary embodiment of the present invention, the network and / or communication means 135 connecting the customer wireless terminal 200 and the financial system 150 (or the server side 100) may be connected to the customer wireless terminal ( Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), UWB (Ultra Wide Band system) according to the short range communication means provided in the 200) It is preferable to include at least one, wherein the short-range communication means and the short-range wireless communication interval between the customer wireless terminal 200 and the predetermined short-range communication device through a predetermined short-range wireless communication and the short-range communication device and It is preferable to include a wired section interlocking with the financial system 150 (or server side 100).

Referring to FIG. 1, the server side 100 including at least one functional configuration for approving the financial transaction receives predetermined financial account (or payment means) information data included in the IC chip in the customer wireless terminal 200. When the predetermined financial transaction information data used is transmitted, at least one of a plurality of financial accounts (or financial products) or a plurality of financial products owned by the customer according to the information receiving unit 115 and the predetermined condition (or policy) for receiving the predetermined financial transaction information data. A financial account (or financial product) selecting unit 120 for selecting at least one financial account (or financial product) as a financial transaction target financial account (or financial product) corresponding to the financial transaction information data; It characterized in that it comprises a; financial transaction processing unit 130 for processing the financial transaction through (or financial products).

According to an embodiment of the present invention, the server side 100 may further include an information transmission unit 125 for notifying the financial transaction processing details to the customer wireless terminal 200 after the financial transaction processing. Do.

Also, the server side 100 transmits the financial transaction approval request information to the customer wireless terminal 200 and the customer wireless terminal 200 before the financial transaction processing according to an implementation method. When the predetermined financial transaction approval information is transmitted in response to the financial transaction approval request information, the information receiving unit 115 may be further provided.

In addition, the server side 100, when the predetermined financial transaction using the predetermined financial account (or payment means) information data provided on the IC chip of the customer wireless terminal 200 according to the implementation method, the financial transaction is the customer Predetermined condition (or policy) information set to be made through a plurality of owned financial accounts (or financial instruments) or at least one financial account (or financial instruments) of the plurality of financial instruments to the predetermined storage medium 110. And / or store the customer information and / or the customer financial account (or payment means) information in association with the customer wireless terminal 200 information in a predetermined storage medium 110, and / or the It is preferable to further include an information storage unit 105 for storing the card information corresponding to the customer financial account (or payment means) in the predetermined storage medium 110.

The financial system 150 is provided with a plurality of financial accounts (or financial products) corresponding to the customer, the information storage unit 105 is a financial transaction financial transaction using the IC chip provided in the customer wireless terminal 200 Characterized in that the predetermined condition (or policy) to set to be made through at least one or more specific financial account of the plurality of customer-owned financial account (or financial products) in the predetermined storage medium 110.

According to a preferred embodiment of the present invention, the condition (or policy) comprises the condition (or policy) information set through the comparison of the return rate of the plurality of financial accounts (or financial instruments) owned by the customer or a plurality of financial instruments It is preferable. For example, when the financial transaction is a deposit transaction, the rate of return is calculated according to the deposit of an amount corresponding to the deposit transaction among the plurality of financial accounts (or financial products) by comparing the yields of the plurality of financial accounts (or financial instruments). The condition (or policy) set to deposit the amount into at least one financial account (or financial instrument), and if the financial transaction is a withdrawal transaction, a comparison of the yields of the plurality of financial accounts (or financial instrument); A condition (or policy) set to withdraw the amount from at least one financial account (or financial instrument) of the plurality of financial accounts (or financial instruments), the yield of which is less likely to be reduced according to the withdrawal of the amount corresponding to the withdrawal transaction; When the financial transaction is an amount transfer transaction between the plurality of financial accounts (or financial products), the plurality of financial accounts ( Is a target of transfer from at least one financial account (or financial instrument) whose yield is lowered according to the withdrawal of the amount corresponding to the withdrawal transaction among the plurality of financial accounts (or financial instruments) Withdrawal amount and set the deposit amount of the withdrawn money to at least one financial account (or financial product), the yield is high when the withdrawal amount of the plurality of financial accounts (or financial products) is deposited It is preferable to include at least one (or policy).

In addition, the condition (or policy) is a predetermined policy (or terms) in the financial company that the customer is set through a predetermined customer terminal before the financial transaction, and / or manages the customer's financial account (or financial products) It is preferable to set according to, and / or the rate of return corresponding to each financial account (or financial instrument) of the plurality of financial accounts (or financial instruments) in the financial company managing the financial account (or financial instrument) of the customer It is desirable to update periodically according to the change. In particular, when the condition (or policy) is set or updated by a financial institution that manages the customer's financial account (or a financial product), it is automatically set or updated according to the predetermined policy (or the condition) It is desirable to set or renew with the approval of the customer.

According to a preferred embodiment of the present invention, the information storage unit 105 may further set and store automatic money transfer condition (or policy) information between the plurality of financial accounts (or financial products). The automatic amount transfer condition (or policy) information between financial accounts (or financial products) may include at least two or more heterogeneous financial financial accounts (or financial products) included in the plurality of financial accounts (or financial products) in response to fluctuations in exchange rates. Automatic money transfer conditions (or policies) and periodically withdraw a certain amount from at least one financial account (or financial instrument) of the plurality of financial accounts (or financial instruments), ) Include at least one automatic transfer condition (or policy) set up to be deposited into at least one financial account (or financial instrument). It is right.

According to a preferred embodiment of the present invention, the plurality of financial accounts (or financial products) owned by the customer is provided in the financial system 150, the specific financial system 150 corresponding to a predetermined financial company 150 of the customer owned Preferably, a plurality of financial accounts (or financial products) are provided. According to another exemplary embodiment, a plurality of financial accounts (or financial products) owned by the customer are provided in the plurality of financial systems 150 corresponding to the plurality of financial companies. It is possible.

According to the present invention, a predetermined financial account (or payment) provided in the IC chip of the customer wireless terminal 200 is linked to the information storage unit 105 and the storage medium 110 for storing the condition (or policy) information. Means) In a predetermined financial transaction using information data, the financial transaction is set to be performed through at least one financial account (or financial instrument) among a plurality of financial accounts (or financial instruments) owned by the customer or a plurality of financial instruments. An information storage means for storing a predetermined condition (or policy) information in a predetermined storage medium 110 is provided.

In the financial system 150, a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200 having a plurality of financial accounts (or financial products) is performed. In order to easily perform the procedure for accepting the financial transaction through the customer wireless terminal 200, the information storage unit 105 stores the customer information and / or the customer financial account (or payment means) information. And store information in a predetermined storage medium 110 in association with the customer wireless terminal 200 information, and / or store card information corresponding to the customer financial account (or payment means) in a predetermined storage medium 110. It is characterized by storing in).

According to an embodiment of the present invention, when a predetermined financial transaction using predetermined financial account (or payment means) information data included in the customer wireless terminal 200 IC chip, the financial transaction is the customer wireless terminal 200 ) Transfers predetermined financial transaction information data to the financial system 150 based on the financial account (or payment means) information data, wherein the financial transaction information data includes And at least one financial transaction element for a banking transaction using the banking element included in a financial account (or financial instrument), and / or a financial transaction element for an intermediary transaction using the mediation element. The transaction element includes a transaction code that specifies the type of financial transaction and the financial transaction party and / or the customer and / or It includes a predetermined identifier (Identifier) for identifying a specific financial account (or financial product) owned by the customer.

According to a preferred embodiment of the present invention, the transaction code is a type of financial transaction (eg, deposit transaction) requested by the customer wireless terminal 200 in response to a specific customer-owned financial account (or financial product) at the financial institution. Or a unique code for confirming a withdrawal transaction or transfer of money between the plurality of financial accounts (or financial instruments), and is defined according to the intention of the financial institution.

In addition, the identification information is an IC chip mounted on or detached from the financial transaction party and / or customer-owned card (for example, customer-owned wireless terminal 200) corresponding to the plurality of customer-owned financial account (or financial products) Account number for the financial account (or financial product), or a unique code (or unique number) assigned to the financial transaction party and / or customer by the financial institution, or the financial transaction party and Card information including a card number for identifying a card owned by a customer, and / or an individual for the financial transaction party and / or a customer stored in a predetermined database (not shown) provided on the server side 100. And at least one customer information including information and / or member information.

Customer information stored in the storage medium 110 by the information storage unit 105 is a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200. City, the information corresponding to the personal information (eg, customer name, social security number) and / or member information (eg, user account and password) of the customer provided from the customer wireless terminal 200 to the financial system 150 The customer financial account (or financial product) information is a predetermined financial transaction using a predetermined financial account (or payment means) information data provided in the customer wireless terminal 200 IC chip, Information corresponding to the financial account (or financial product) provided from the customer wireless terminal 200 to the financial system 150 (for example, an account number corresponding to the financial account (or financial product), And a unique code corresponding to the financial account (or financial product) and card information corresponding to the financial account (or financial product).

According to the present invention, the information storage unit 105 and the storage medium 110 is linked to the customer information and / or the customer financial account (or payment means) information associated with the customer wireless terminal 200 information processing And / or information storage means for storing card information corresponding to the customer financial account (or payment means).

The information receiver 115 is provided in the IC chip from the customer wireless terminal 200 through a communication channel connected between the customer wireless terminal 200 and the financial system 150 (or the server side 100). Receive predetermined financial transaction information data based on the financial account (or payment means) information data of the.

In the present invention, a method of connecting a communication channel between the financial system 150 (or the server side 100) in the customer wireless terminal 200 and / or the financial system 150 in the customer wireless terminal 200 ( Alternatively, the method of transmitting the financial transaction information data to the server side 100 is in accordance with industry practices and / or intentions of those skilled in the art, and if the standard method is determined in the future, the method of the present invention is not limited thereto. Does not. For example, in the case of a domestic country based on a mobile communication network, the bank-on method including the Kookmin Bank encrypts the financial transaction information data in the 3DES method in the customer wireless terminal 200 to the financial system 150 (or the server side 100). After inputting the password, and the M bank method, including Woori Bank, the financial system 150 (or the server side 100) using the financial transaction information data and the password in the customer wireless terminal 200 as the SEED method. And other communication networks (eg, portable Internet networks) other than the standard scheme and / or mobile communication network to be designated in the future may be different from this, but the present invention is not limited thereto.

According to the present invention, the information receiving unit 115 provides information receiving means for receiving predetermined financial transaction information data from the customer wireless terminal 200 including a network connecting the customer wireless terminal 200.

The predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200 is performed through the predetermined network and / or communication means from the customer wireless terminal 200. The financial transaction information data including financial transaction elements of the financial transaction information data is started to be received, and the financial account (or financial product) selection unit 120 reads the financial transaction information data and stores the data in the storage medium 110. (Or a policy) through the financial account (or financial product) of the plurality of financial accounts (or financial products) owned by the customer or at least one or more financial products (or financial products) of the financial transaction target data corresponding to the financial transaction information data ( Or a financial product), and the financial account (or financial product) selector 120 is linked with the storage medium 110 to According to a condition (or policy) stored in the storage medium 110, at least one financial account (or financial product) among the plurality of financial accounts (or financial products) owned by the customer or a plurality of financial products is added to the financial transaction information data. It provides a means for selecting a financial account (or financial instrument) to select the corresponding financial transaction target financial account (or financial instrument).

The financial transaction processing unit 130 may process the financial transaction through at least one financial account (or financial product) selected through the financial account (or financial product) selection process. (Or policy) it is desirable to generate more revenue and / or less loss to the customer by comparing the return of the plurality of financial accounts (or financial instruments) or the plurality of financial instruments owned by the customer. Do.

According to a preferred embodiment of the present invention, the financial transaction processed by the financial transaction processing unit 130 is a financial transaction withdrawn with a predetermined financial account (or payment means) provided in the IC chip of the customer wireless terminal 200. And a financial transaction for investing an amount of money withdrawn from a predetermined financial account (or payment means) included in the customer wireless terminal 200 IC chip to a predetermined investment product, and to the customer wireless terminal 200 IC chip. At least a financial transaction in which an amount is transferred from a predetermined financial account (or payment method) to a plurality of financial accounts (or financial products) owned by the customer or to at least one or more financial accounts (or financial products) among the plurality of financial products. It is preferable to include one or more, wherein the plurality of financial accounts (or financial instruments) or the plurality of financial instruments owned by the customer, and the deposit financial accounts (or deposit financial instruments) and Gold financial account (or savings financial instrument), trust financial account (or trust financial instrument), investment financial account (or investment financial instrument), insurance financial account (or insurance financial instrument) and foreign currency deposit financial account (or foreign currency deposit financing) Commodity), the foreign currency reserve financial account (or foreign currency reserve financial product) and the foreign currency insurance financial account (or foreign currency insurance financial product) at least one or more.

According to the present invention, the financial transaction processing unit 130 processes a predetermined financial transaction using predetermined financial account (or payment means) information data included in the IC chip of the customer wireless terminal 200. And financial transaction processing means for processing the financial transaction through the selected at least one financial account (or financial product).

According to the exemplary embodiment of the present invention, the financial transaction approval request information is transmitted from the server side 100 to the customer wireless terminal 200 before the financial transaction processing of the financial transaction processing unit 130, and the customer wireless. Receive predetermined financial transaction approval information corresponding to the financial transaction approval request information from the terminal 200 and through the financial transaction approval information, confidentiality, authentication, integrity and denial of the financial transaction. It is possible to further perform a process of securing a nonrepudiation, and for this purpose, the information transmitter 125 requests a predetermined financial transaction approval for the financial transaction in response to the financial transaction to the customer wireless terminal 200. Characterized in that it transmits the information, including the network connecting the information transmitter 125 and the customer wireless terminal 200 to the customer wireless terminal 200 Information transmission means for transmitting the financial transaction approval request information to process the financial transaction through at least one or more specific financial account (or financial products) of the plurality of financial accounts (or financial products) owned by the customer in response to the existing financial transaction To provide.

According to a preferred embodiment of the present invention, the information transmitting unit 125 is stored in the storage medium 110 in association with the customer information and / or customer financial account (or payment means) information stored in the customer wireless terminal 200 ) The financial transaction approval request information is transmitted to the customer wireless terminal 200 using the information, and / or the financial transaction information data is received by the information receiver 115 and the financial information. It is possible to transmit the financial transaction approval request information through a communication channel connected between the system 150 (or the server side 100), and the financial transaction approval request information may be transmitted to the condition (or policy). Information on notification of processing through at least one matching financial account (or financial product) and the financial transaction approval request information in the customer wireless terminal 200; Preferably comprises a user interface to input / extract a financial transaction authorization information to be transmitted to the server side 100.

According to a preferred embodiment of the present invention, in transmitting the financial transaction approval request information to the customer wireless terminal 200, the information transmitter 125 approves a predetermined financial transaction corresponding to the financial transaction approval request information. It is preferable to include a predetermined callback UEL for transmitting information to the server side (100).

In addition, the information transmission unit 125 is processed by the financial transaction processing unit 130 through the financial account (or financial product) owned by the customer that meets the conditions (or policies), the financial transaction Preferably, the method further includes generating a processing history and notifying the customer wireless terminal 200.

According to the exemplary embodiment of the present invention, the financial transaction approval information is key input information (eg, financial transaction approval password) input through a predetermined key input means (eg, keyboard / keypad) provided in the customer wireless terminal 200. Or a financial transaction approval code, and / or IC chip storage information (eg, IC chip serial number, IC chip) extracted from an IC chip mounted or detached from the customer wireless terminal 200. It is preferable to include a stored certificate information, etc.), and a predetermined personal identification number through a predetermined key input means provided in the customer wireless terminal 200 to extract the IC chip storage information. A PIN) is preferably performed. In addition, when a predetermined biometric means is provided in the customer wireless terminal 200, the financial transaction approval information is biometric data (eg, fingerprint, iris, voice, face) extracted from the biometrics of the customer through biometric means. , Signature, retina, etc.).

After the predetermined financial transaction approval request information is transmitted to the customer wireless terminal 200 as described above, the information receiver 115 transmits the customer wireless terminal 200 and the server side 100 in the process of transmitting the financial transaction approval request information. Receive financial transaction approval information corresponding to the financial transaction approval request information from the customer wireless terminal 200 through a communication channel connected between the, and the financial transaction processing unit 130 is received from the customer wireless terminal 200 The financial transaction approval information may be read, and the financial transaction may be processed based on the financial transaction approval information.

2 is a diagram showing the functional configuration of the mobile terminal 200 for a mobile financial transaction in accordance with a preferred embodiment of the present invention.

More specifically, FIG. 2 illustrates a mobile financial transaction in a case where a mobile communication terminal accessing a mobile communication network based on code division multiple access (CDMA) performs a function of the wireless terminal 200 for the mobile financial transaction. The preferred functional configuration of the mobile communication terminal for. Those skilled in the art to which the present invention pertains can refer to FIG. 2 to configure the functional configuration of other wireless terminals (eg, wireless data communication terminals or portable Internet terminals) for mobile financial transactions in addition to mobile communication terminals. It can be easily inferred. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, a wireless terminal that provides mobile communication services includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna and a battery, and internally, code division (CDMA). A predetermined modem chip (e.g., an MSM series modem chip manufactured by Qualcomm, Inc.) that incorporates functions such as a modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder, and various memory devices. A duplexer filter that separates the transmitted and received signals from the antenna of the antenna, a power amplifier that amplifies the transmitted signal, a high power amplifier (HPA), an isolator that prevents the high power transmitted signal from reversed, and out of band RF / IF SAW filter for removing wave signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and VCTCXO (Vol tage 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. In addition, the modem chip is being integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are directly integrated together.

Referring to FIG. 2, the wireless terminal 200 for a mobile financial transaction basically includes a control unit 205, a screen output unit 210, a sound processor 220, a wireless processor 235, a key input unit 215, and a short range. Predetermined information or data on the communication unit 245 and the memory unit 285, the battery 230 for power supply, the IC chip 260 mounted on or detached from the wireless terminal 200, and the IC chip 260. An IC chip reader 255 is provided for reading and writing.

The control unit 205 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and a predetermined program routine for providing a function specific to a radio terminal from a predetermined memory element. And / or a bus for inputting and outputting program data and a predetermined electronic circuit (or integrated circuit) provided therefor, wherein the execution memory is selected from a predetermined memory device and / or a chipset in software. Is a generic term for program routines and / or program data that is loaded into and computed through the processor to perform specific functions (hence, in the present invention, certain predetermined values are recorded on a recording medium of the wireless terminal 200 for mobile financial transactions). The program routine is illustrated and illustrated as being provided in the control unit for convenience. By the control unit 205, and realize various functions to be implemented in the wireless terminal and thereby, further characterized in that control and manage the overall operation of the wireless terminal in order to realize the functions as described above. In particular, when power is input to the wireless terminal to perform a function of the control unit 205 for controlling and managing the overall operation of the wireless terminal, an operating system routine, a system management routine, and / or stored in a predetermined memory element 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 210 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 215 by the control unit 205 (for example, 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 (eg, an LCD panel). The screen output unit 210 is linked to a screen output device (LCD) in a mobile financial transaction process. It is desirable to perform the function of the information output section for outputting the necessary predetermined information.

The sound processor 220 encodes a predetermined sound signal input from a microphone included in the wireless terminal 200 and provides the sound signal to the controller 205, or extracted and / or generated by the controller 205. It is characterized in that a predetermined sound signal is decoded and output through a speaker. To this end, the sound processor 220 is provided with a predetermined vocoder and a codec. Performs a function of a sound input means provided in the wireless terminal 200 through the sound processing unit 220 and the microphone, or outputs a sound provided in the wireless terminal 200 through the sound processing unit 220 and a speaker. Perform the function of the means.

The wireless processing unit 235 is associated with the control unit 205 (e.g., a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control and / or 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 235 processes the information or signal transmitted from the wireless terminal 200 to the base station to provide a mobile communication service to a 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 another embodiment of the present invention, if the wireless terminal 200 of FIG. 2 is a wireless data communication terminal, the wireless processing unit 235 connects to a wireless data communication network to provide a predetermined wireless data communication service for a mobile financial transaction. If the wireless terminal 200 of FIG. 2 is a portable Internet terminal, the wireless processing unit 235 connects to the portable Internet network to provide a predetermined portable Internet service (eg, wireless) for mobile financial transactions. Data communication, or voice over IP (Voice over IP) based voice call).

The key input unit 215 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 it to the control unit 205, the key Through the input unit 215 and the keypad performs the function of the key input means provided in the wireless terminal 200.

The short range communication unit 245 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.

The memory unit 285 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the wireless terminal 200 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). 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 200 and information or data therefor. The EEPROM stores a terminal registration related parameter and a telephone number (eg, an address book) or at least one or more information and / or data extracted and / or generated while executing an application included in the wireless terminal 200. do.

The IC chip reader unit 255 is an IC chip related functional configuration provided in the wireless terminal 200 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 (for example, the wireless terminal 200). It is characterized in that the exchange of information and / or data between the IC chip agent program provided in the device) and the IC chip 260 mounted on or detached from the wireless terminal 200. For example, the IC chip reader unit 255 provides information and / or data exchange between the IC chip agent program and the IC chip 260 through an application protocol data unit (APDU).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 260 mounted on or detached from the customer wireless terminal 200 may include a power supply (VCC), a reset signal (RST), I / O interface to communicate with IC chip reader (e.g. command or data exchange) through contact points such as clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O) 265, a processor unit 270 including at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, or the like, and a read only memory (ROM). Memory 275 including at least one or more memory devices including random access memory (RAM), electrically erasable and programmable read only memory (EPEROM), flash memory (FM), and the like. At least one memory device (eg, ROM) may include an IC A chip operating system (COS) for managing and operating internal resources is stored, and predetermined power is supplied from the IC chip reader unit 255 through a power supply (VCC) contact point of the input / output interface 265. In this case, the COS stored in the memory unit 275 is loaded into a predetermined execution memory to control the overall operation of the IC chip 260, and the clock frequency of the contact point of the clock signal CLK (for example, 3.57 MHz or 4.9 MHz). Control information or data exchange between the IC chip 260 and the IC chip reader unit through an APDU (Application Protocol Data Unit).

According to the present invention, the memory unit 275 of the IC chip 260 is characterized in that the IC chip storage information for mobile financial transactions is stored, the IC chip storage information is provided in the customer wireless terminal 200 Driven by a data storage unit for storing a data set corresponding to predetermined information or data to be read and / or used by a processor, and an instruction set provided by arithmetic functions of the processor unit 270 and a COS. A program routine (for example, a Java applet in the case of Javacard) that is executed and operates and used by a processor included in the customer wireless terminal 200 to interact with the instruction set of the COS. A processing unit corresponding to an application including a call code and execution code that is processed by the processor unit 270 is provided. Particularly, the processing unit is an APD. Read a command provided from the processor provided in the customer wireless terminal 200 via the input and output interface through U, and at least one or more information or data stored in the data storage unit based on the read command or Or, and record the result or read information or data to the processor provided in the customer wireless terminal 200 via the input / output interface 265 through the APDU.

According to a preferred embodiment of the present invention, the memory unit 275 of the IC chip 260 includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 275 is a CSN (Chip Serial). And a protection area in which secret information such as a number is stored, 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 chip storage information is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 285 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, IC chip storage information 280 for the present invention also includes the file structure as described above It is done by

According to a preferred embodiment of the present invention, the IC chip storage information 280 preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or Including at least one credit card payment method, debit card payment method, check card payment method, prepaid card payment means, electronic wallet payment means It is preferable to make.

Referring to FIG. 2, the wireless terminal 200 transmits a predetermined financial transaction information data generated in response to the execution of the financial transaction to a server, and a predetermined condition (or policy) in the server. Accordingly, a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments are transferred to the financial transaction target financial accounts (or financial instruments) corresponding to the financial transaction information data. After the selection, if the financial transaction approval request information using the selected financial transaction target financial account (or financial product) is transmitted, the receiving unit 295 for receiving it is characterized in that it is made.

3 is a diagram illustrating a method of operating a wireless terminal 200 for a mobile financial transaction in accordance with a preferred embodiment of the present invention.

Referring to FIG. 3, the mobile financial transaction executes a financial transaction using the IC chip 260 mounted or detached from the customer wireless terminal 200 (for example, a mobile financial transaction execution button provided in the customer wireless terminal 200). Click, or the execution of the mobile financial transaction agent program provided to the customer wireless terminal 200) (300), if the mobile financial transaction is executed as described above, the customer wireless terminal 200 is a predetermined mobile financial transaction According to the procedure, the validity of the IC chip 260 is checked (305).

According to a preferred embodiment of the present invention, the validity checking process for the IC chip 260 is a predetermined Personal Identification Number (PIN) through a key input means provided in the predetermined customer wireless terminal 200. And the authentication of the personal identification number to the IC chip 260, thereby ensuring confidentiality, authentication, integrity and non-repudiation of the mobile financial transaction.

If the validity of the IC chip 260 is not authenticated (320), the mobile financial transaction is stopped, while if the validity of the IC chip 260 is authenticated (320), the customer wireless terminal 200 Inputs a predetermined financial transaction element through the key input means (315), and a predetermined financial account (or payment means) provided in the IC chip in conjunction with the IC chip 260 based on the financial transaction element; ) Generating financial transaction information data for a predetermined mobile financial transaction from the information data (320), wherein the detailed procedure of generating the financial transaction information data is preferably in accordance with industry practice and / or the intention of the skilled person, The technical idea is not limited by the above procedure.

When the financial transaction information data is generated as described above, the customer wireless terminal 200 establishes a predetermined communication channel (eg, a communication channel for processing a transaction for a financial transaction) between the financial system 150 for processing the financial transaction. (325), the communication channel connection process may be variously performed according to the network and / or communication means provided between the customer wireless terminal 200 and the financial system 150, the technical The idea is not limited by the communication channel connection process.

When the communication channel is connected as described above, the customer wireless terminal 200 transmits the generated financial transaction information data to the financial system 150 through the communication channel (330), and the financial system 150 ( Alternatively, the server side 100 processes the financial transaction in accordance with the technical spirit of the present invention based on the transmitted financial transaction information data.

4 is a diagram showing a mobile financial transaction method according to a preferred embodiment of the present invention.

The financial transaction information data transmitted from the customer wireless terminal 200 through the process of FIG. 3 is received by a predetermined financial system 150 defined to process the financial transaction, and the server interoperating with the financial system 150. The information receiving means of the side 100 receives predetermined financial transaction information data from the customer wireless terminal 200 to the financial system 150 through the process as shown in FIG. 3 for the mobile financial transaction processing according to the present invention. If the financial transaction information data is received (305), the financial account (or financial product) selection means of the server side 100 reads the financial transaction information data to read the financial transaction information data. In operation 410, the financial transaction corresponding to the service may perform a condition (or a policy) stored in the storage medium 110.

According to an exemplary embodiment of the present invention, the condition (or policy) may include a plurality of financial accounts (or financial products) owned by the customer at a predetermined financial transaction of the financial transaction information data received from the customer wireless terminal 200. A condition (or policy) that allows the customer to generate more revenue and / or less losses through comparison of the yields of multiple financial products, and for this purpose, finance corresponding to the financial transaction information data. Replace the transaction with a plurality of financial accounts (or financial instruments) owned by the customer or with a plurality of financial instruments, or after a financial transaction corresponding to the financial transaction information data; Financial products) or a predetermined financial transaction using a plurality of financial products.

If the check result does not perform the condition (or policy) (415), the financial transaction processing means of the server side 100 performs a financial transaction corresponding to the financial transaction information data received from the customer wireless terminal 200. If the financial transaction corresponding to the financial transaction information data performs the condition (or policy) (415), the financial account (financial product) selection means of the server side 100 (Or a policy), the plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) of the plurality of financial instruments corresponding to the financial transaction information data financial account ( Or a financial instrument) (425).

When the financial transaction target financial account (or financial product) corresponding to the financial transaction information data is selected as described above, the information transmission means of the server side 100 may perform the financial transaction corresponding to the financial transaction element under the condition (or policy). In operation 430, predetermined financial transaction approval request information for a financial transaction is generated and transmitted to the customer wireless terminal 200.

After the financial transaction approval request information is transmitted to the customer wireless terminal 200 as described above (430), the information receiving means of the server side 100 is applied to the financial transaction approval request information from the customer wireless terminal 200. Waiting for the corresponding predetermined financial transaction approval information to be received (435), if the financial transaction approval information is received from the customer wireless terminal 200 (440), the financial transaction processing means of the server side 100 In operation 445, the financial transaction approval information is read to determine whether the financial transaction corresponding to the financial transaction information data received from the customer wireless terminal 200 is approved according to the condition (or policy).

If it is determined that the financial transaction corresponding to the financial transaction information data is not approved in accordance with the condition (or policy) (450), the financial transaction processing means is the financial received from the customer wireless terminal 200. The corresponding financial transaction corresponding to the transaction information data is processed (420).

On the other hand, if the determination result is approved to process the financial transaction corresponding to the financial transaction information data according to the condition (or policy) (355), the financial transaction processing means is a financial transaction received from the customer wireless terminal 200 Based on the approval information, a financial transaction corresponding to the financial transaction information data according to the condition (or policy) is performed by at least one financial account (or financial instrument) owned by the customer or at least one financial account (or financial instrument) of the plurality of financial instruments. Commodity), and the information transmitting means generates the financial transaction details information and transmits the generated financial transaction information to the customer wireless terminal 200 (460).

5A and 5B illustrate a preferred method of identifying and selecting a financial account (or financial instrument) meeting a condition (or policy) in accordance with one embodiment of the present invention.

In more detail, FIG. 5A illustrates a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) according to a predetermined condition (or policy) in FIG. 4. A method of selecting (425) a financial transaction target financial account (or financial product) corresponding to the financial transaction information data, the method comprising: the customer or the financial transaction information data of the customer-owned financial account (or financial product); A financial account (or financial instrument) with a lower interest rate than the customer-owned financial account (or financial instrument) for a financial transaction corresponding to the financial account (or financial instrument) selected in accordance with the condition (or policy) information. This is the case when the decision is made to substitute.

A method of determining a financial account (or financial instrument) corresponding to the condition (or policy) information from a customer-owned financial account (or financial instrument) corresponding to the financial transaction corresponding to the financial transaction information data with reference to FIG. 5A. Is the interest rate of the customer-owned financial account (or financial instrument) from the banking and / or intermediary elements of the customer-owned N (N = 1, 2, ..., N) financial account (or financial instrument). And comparing the interest rate of each of the extracted nth (1 <= n <= N) financial accounts (or financial instruments) to read the financial account (or financial instruments) with the smallest interest rate.

If the interest rate of the n-th financial account (or financial instrument) with the minimum interest rate is smaller than the interest rate of the customer-owned financial account (or financial instrument) corresponding to the financial transaction corresponding to the financial transaction information data (500), Determine an n-th financial account (or financial instrument) as a financial account (or financial instrument) selected in accordance with the condition (or policy) information that replaces and processes the financial transaction corresponding to the financial transaction information data (505), If not, it is checked and selected to process the financial transaction corresponding to the financial transaction information data as it is (510).

In addition, according to the predetermined conditions (or policies) in FIG. 3, FIG. 5B illustrates a plurality of financial accounts (or financial instruments) owned by the customer or at least one or more financial accounts (or financial instruments) among the plurality of financial instruments. A method of performing a step 425 of selecting a financial account (or financial product) corresponding to financial transaction information data, the method comprising: a customer-owned financial account corresponding to the financial transaction corresponding to the financial transaction information data; Financial account (or financial instrument) with a higher return (or balance, proceeds) than financial account (or financial instrument) is determined to be replaced by a financial account (or financial instrument) that meets the above conditions (or policy) information. .

A method of determining a financial account (or financial instrument) corresponding to the condition (or policy) information from a customer-owned financial account (or financial instrument) corresponding to the financial transaction corresponding to the financial transaction information data with reference to FIG. 5B. Is a banking element of the customer-owned N (N = 1, 2, ..., N) financial account (or financial product) of the return (or balance, proceeds) of the customer-owned financial account (or financial instrument). And / or sequentially compares the yield (or balance, proceeds) of each nth (1 <= n <= N) financial account (or financial instrument) extracted from an intermediary to obtain the highest return (or balance, proceeds). This involves reading large financial accounts (or financial instruments).

If the return (or balance, proceeds) of the n-th financial account (or financial product) with the maximum return (or balance, proceeds) is the customer-owned financial account (or corresponding to the financial transaction corresponding to the financial transaction information data) If the yield (or balance) of the financial instrument) is greater than 515, the condition (or policy) information for processing the n-th financial account (or financial instrument) in place of the financial transaction corresponding to the financial transaction information data. The financial account (or financial product) corresponding to the control unit 520 is determined (520). Otherwise, the financial transaction corresponding to the financial transaction information data is confirmed and selected (525).

6 is a diagram illustrating a customer terminal for mobile financial transaction approval in accordance with an embodiment of the present invention.

In more detail, Figure 6 is a financial transaction approval request information including a callback UEL from the information transmission means of the server side 100 to the customer wireless terminal 200 as shown in Figure 4, the financial transaction in the customer terminal The predetermined financial transaction approval information corresponding to the approval request information is extracted from the IC chip 260 mounted or detached from the customer wireless terminal 200 to the information receiving means of the server side 100 through the callback UL. It is about the implementation method to transmit.

According to an exemplary embodiment of the present invention, after performing the process as shown in FIG. 4 in the customer wireless terminal 200, the mobile financial transaction procedure of the customer wireless terminal 200 is terminated. Based on the wireless terminal information stored in the storage medium 110 of the side 100 transmits the predetermined financial transaction approval request information from the information transmitting means to the customer wireless terminal 200, the customer wireless terminal 200 It illustrates an example of transmitting the financial transaction approval information corresponding to the financial transaction approval request information to the information receiving means of the server side (100).

100: server side 105: information storage unit
110: storage medium 115: information receiving unit
120: financial account selection unit 125: information transmission unit
130: financial transaction processing unit 135: network / communication means
145 interface means 150 financial system
155: foreign module 160: account module
165: information module module 170: interface between modules
175: DBMS

Claims (5)

A wireless transaction approval relay method executed by a server communicating with a wireless terminal of a customer and interworking with a financial system that has issued a payment method to the customer,
When at least one of the wireless terminal information of the customer and the customer information of the customer and the payment means information of the customer are mapped and stored in a storage medium on the financial system, the wireless terminal of the customer by the transaction request of the customer Transmitting transaction approval request information for the transaction to the client;
A second step of receiving transaction approval information transmitted through a program provided in the wireless terminal of the customer in response to the transaction approval request information received by the wireless terminal of the customer;
And transmitting the received transaction approval information to a financial system that performs the transaction approval procedure.
The transaction approval information,
Wireless transaction approval relay method characterized in that it comprises at least one key input information of a transaction approval password and a transaction approval code keyed through the key input means of the wireless terminal for the transaction approval.
The method of claim 1,
The second step further receives an identifier identifying a customer requesting the transaction or a payment method to be used for the transaction.
The fourth step, the wireless transaction approval relay method characterized in that the transfer to the financial system through the identification information.
The method of claim 1,
The second step further receives a transaction code specifying a transaction type for the transaction,
The fourth step, the wireless transaction approval relay method, characterized in that for transmitting the transaction code to the financial system.
The method of claim 1, wherein the transaction approval information,
Certificate-related information generated through the authentication certificate of the customer extracted by authenticating a PIN (Personal Identification Number) input through the key input means;
Wireless transaction approval relay method, characterized in that further comprises at least one of the biometric information of the customer recognized through the biometric means of the wireless terminal for the transaction approval.
The method of claim 1, wherein the transaction approval information,
And a mobile communication network connected to the wireless terminal and a communication network connected to the wireless terminal through short-range wireless communication of the wireless terminal.

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