KR100423390B1 - The system and method to make reference to a banking account by mobile-phone - Google Patents

Abstract

PURPOSE: A banking account inquiry system using a mobile communication terminal and a method therefor are provided to maximize users' convenience and minimize a network load of a communication network by installing a detachable IC card chip in a mobile phone and using a banking transaction account inquiry application. CONSTITUTION: A user selects an electronic bankbook service(S301) through a mobile communication terminal and selects an account inquiry service item(S302). When the user inputs PIN(Personal Identification Number) information, an account inquiry application performs a PIN authentication(S303). The account inquiry application outputs every banking account on a display window of the mobile terminal and the user outputs general banking account list(S304). When the user selects a banking account and requests its inquiry(S305), the account inquiry application constructs an account inquiry request message. The account inquiry application forms a data transmission line(S306), and transmits the account inquiry request message(S307). A banking server extracts transaction particulars information from a host server, constructs a transaction particulars response message, and transmits it to the mobile communication terminal(S308). When the mobile communication terminal normally receives the transaction particulars information, a data transmission line between the mobile communication terminal and the banking server is released(S309). The account inquiry application displays the information on the transaction particulars and balance on the display window(S310).

Description

Financial account inquiry system and method using mobile communication terminal {The system and method to make reference to a banking account by mobile-phone}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial account inquiry system and method using a mobile communication terminal, and more particularly, includes a removable IC card chip having PIN information, financial account information, etc. in a mobile phone, and is driven on a Java virtual machine. By using the financial transaction account inquiry application that maximizes the user's convenience when viewing the mobile financial account, and minimizes the network (Network) load of the communication network, using a mobile communication terminal to enhance the security of data and financial information The present invention relates to a financial account inquiry system and method. Recently, as the performance of a mobile communication terminal and a network is improved, various services using a mobile communication terminal such as a mobile phone and a PDA have been provided. In particular, by providing a variety of mobile banking services on the mobile terminal, users can conveniently access financial services such as financial account inquiry, transfer / remittance and payment, loan payment inquiry and payment anytime, anywhere without visiting the bank directly Conventional Mobile Banking Account Reference Service is a WAP-based wireless Internet method, which runs a WAP browser on a mobile terminal and accesses the URL of the corresponding banking server. After authentication by entering ID and password, it processes financial services such as financial account inquiry. However, such a conventional mobile financial account inquiry service simply changes the Internet banking service on the wired Internet into a WAP-based wireless Internet service. As a mobile terminal, a mobile terminal is the same as a PC computer. There is a lot of inconvenience in using because it does not provide a screen, easy input method and storage capacity. In addition, since the ID, password, and account number must be input on the mobile communication terminal every time a bank service is used, it is troublesome to use. Due to the high security and weakness of the mobile terminal, it is almost impossible to store and use such data in the memory of the mobile terminal. Once the mobile terminal and the banking server are connected, a session is connected. In this continuous state, since a series of processes such as account number input, customer authentication, transaction history inquiry, etc. are processed, there is a problem that not only the communication cost of the user but also the network load of the communication network is increased.

Accordingly, an object of the present invention is to provide a financial account inquiry system and method using a mobile communication terminal that simplifies complex user input during mobile banking. Another object of the present invention is to provide a mobile communication terminal and banking during mobile banking. The present invention provides a financial account inquiry system and method using a mobile communication terminal that shortens the access time of a server and minimizes network load of a communication network and enhances security of data and financial information.

1 is a schematic configuration diagram of a financial account inquiry system using a mobile communication terminal according to the present invention;

2 is a hierarchical structure diagram of a software (S / W) configuration of a mobile communication terminal according to the present invention;

3 is a process diagram for a mobile financial account inquiry service according to the present invention;

4 is a diagram illustrating a user interface according to a mobile financial account inquiry service according to the present invention.

Explanation of symbols on the main parts of the drawings

10: Mobile communication terminal 11: IC card chip

12: Account Lookup Application 13: IC Card API

14: Java VM 15: System Software (S / W)

16: IC card driver 20: BTS / BSC

30: PDSN 40: Banking Server

In order to achieve the above object, the present invention provides a financial account inquiry system for inquiring a financial account of the bank using a mobile communication terminal, the IC card chip and mobile banking that stores PIN information and the user's financial account related information, etc. A mobile communication terminal having a built-in storage device for storing an account inquiry application for processing an inquiry of a financial account by which data is transmitted and received; A BSC that performs a radio interface with the mobile communication terminal and a BSC that performs call processing and provides the BTS and a core network interface; PDSN providing a packet data transmission service using a TCP / IP protocol; And a banking server that provides transaction history information of the corresponding bank financial account according to the financial account inquiry request from the account inquiry application of the mobile communication terminal, wherein the mobile communication terminal and the banking server secure data and financial information. In order to use E2E (End to End) or WPKI (Wireless Public Key Infrastructure) encryption technique, when a key signal related to a financial transaction is input on the mobile communication terminal, an account inquiry application embedded in the mobile communication terminal is executed. PIN information for logging into the IC card chip is input, authentication is executed on the mobile communication terminal, a list of the user's financial accounts stored in the IC card chip is extracted and displayed on the display window of the mobile communication terminal, Inquiry request message using the selected inquiry target financial account related information When the banking server is transmitted to the corresponding banking server, the banking server processes the transaction information according to the inquiry request message and transmits the transaction history information of the financial account to be queried to the mobile communication terminal and outputs the transaction information to the display window. The mobile communication terminal of the present invention is a communication device such as a mobile phone, a smart phone, a PDA, etc., and has a hierarchical structure of software (S / W) embedded therein, and the IC card driver and the mobile communication for managing data of the IC card chip. The system software (S / W) that manages the basic functions of the terminal as a substructure, and the account inquiry application and the IC card API as the upper structure on the Java VM which is an intermediate code for executing the account inquiry application. In addition, the IC card chip of the present invention is detachable to the mobile communication terminal, and PIN information authentication is performed. After the signing, it characterized in that to change the information of financial accounts that are stored in the IC card chip, or add a new financial account information. The IC card chip stores, as financial account information, an account number and an account password, a corresponding financial company code, an account type, and customer information for each financial account of the user. A financial account inquiry method for inquiring a financial account of a bank using a mobile communication terminal detachably embedded with an IC card chip storing PIN information and information related to a user's financial account, the M / M installed on the mobile communication terminal. An account inquiry selection step of selecting an electronic bank account service through a B (Mobile Banking) dedicated key or a menu item, and then selecting an account inquiry service item among the services of the electronic bank account; A PIN authentication step of authenticating access on the data stored in the IC card chip on the mobile communication terminal by comparing the PIN information input through the mobile communication terminal with the PIN information stored in the IC card chip; An inquiry account display step of displaying a list of user financial accounts stored in the IC card chip on a display window of the mobile communication terminal when the PIN card is logged into the IC card chip; When the inquiry target financial account selection signal is input by the mobile communication terminal, the account inquiry application mounted in the storage device of the mobile communication terminal checks the relevant information of the selected financial account on the IC card chip and then checks the account. An inquiry account transmission step of transmitting a request message to a corresponding banking server through the BTS / BSC and the PDSN; After a predetermined customer authentication process for the inquiry request financial account transmitted from the mobile communication terminal to the banking server, a response message transmission step of transmitting the transaction history response message from the banking server to the mobile communication terminal and the mobile And a transaction history display step of receiving the transaction history response message at a communication terminal and displaying the transaction history of the inquiry target financial account on the display window of the mobile communication terminal. Communication device, such as a smart phone, PDA, etc. In the inquiry account transmission step of the present invention, the inquiry request for each financial account using information such as account number and account password, corresponding financial company code, account type and customer information, etc. A message may be configured. Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. It will be described in detail with reference to FIG. 1 is a schematic configuration diagram of a financial account inquiry system according to the present invention. Referring to Figure 1, the financial account inquiry system of the present invention is largely a user's mobile communication terminal 10, BTS (Base Station Transceiver System) / BSC (Base Station Controller) 20, PDSN (Packet Data Switching network) 30) and a banking server 40 installed at each financial company. The PDSN 30 performs a BTS and call processing for performing a wireless interface with the mobile communication terminal 10, and performs the BTS and the core network. The present invention provides a packet data transmission service using a PPP and TCP / IP protocol between a Radio Access Network (RAN) and a Data Core Network (DCN) including an BSC 20 that provides an interface. The service is serviced based on the TCP / IP protocol. The banking server 40 is provided with each financial company to interoperate with a mobile system including a mobile communication terminal 10, a BTS / BSC 20, and a PDSN 30. As a device installed every time, the BTS / BSC 20 and PD Receives the financial account inquiry request message sent from the mobile communication terminal 10 through the SN 30, processes the received message in conjunction with the host server after a predetermined customer authentication process, and the result and related data The PDSN 30 and the BTS / BSC 20 are transmitted to the mobile communication terminal 10. The mobile communication terminal 10 and the banking server 40 are connected by using the TPC / IP protocol, and between them. The short message service (SMS) is used for data communication of the mobile communication terminal. The mobile communication terminal 10 is a terminal such as a mobile phone, a smart phone, a PDA, etc. equipped with all hardware devices for wireless data communication. The terminal 10 includes a removable IC card chip 11 and a storage device equipped with various software (S / W) for financial account inquiry. The IC card chip 11 includes a mobile communication terminal 10. Of the IC card chip 11 The internal information can be accessed by PIN (Personal Identification Number) authentication, which confirms a match by entering PIN information, which is a PIN number, PIN information, financial account information of users and others, banking server IP address, and customer information. Etc. are stored. In addition, the IC card chip 11 includes an account number and password, a corresponding financial company code, an account type (for example, ordinary deposits, savings deposits, periodic payments, housing loans, etc.) for each loan account in each financial account. The information is matched and stored. The built-in information stored in the IC card chip 11 is set at the issuance of the IC card chip 11 at a financial company window such as a bank, and the user is stored in the IC card chip 11. After logging in to the IC card chip 11 through PIN authentication to confirm whether the PIN information and the PIN information input on the mobile communication terminal 10 match, the financial account (account number, password) on the mobile communication terminal 10 Etc.) The IC card chip 11 can be changed or added only through PIN authentication for confirming whether the built-in PIN information matches the PIN information input on the mobile communication terminal 10. Access to information built into In addition, if necessary, it can be used after being connected to the mobile communication terminal 10 and stored separately when not in use, thus providing user convenience when inputting financial account-related information and securing security for the data. In addition, the mobile communication terminal 10 and the banking server 40 disclosed in the present invention may provide end-to-end (E2E) and WPKI (when creating various messages) in order to secure data and financial information in a mobile environment. Wireless Public Key Infrastructure) encryption technique can be basically used. FIG. 2 shows a hierarchical structure of the software (S / W) configuration mounted in the storage device of the mobile communication terminal 10. FIG. For reference, the software (S / W) configuration mounted in the storage device of the mobile communication terminal 10 includes an IC card driver 16 for managing data of the IC card chip 11 and a mobile communication terminal 10. Flag The system software (S / W) 15 that manages functions as a substructure, and on the Java Virtual Machine (MIDP MMDP) 14, the account inquiry application 12 and the IC card API (Application Programming) Interface (13) as a superstructure. The Java VM (14) can be executed by the virtual machine, the account inquiry application 12 (mobile banking application) regardless of the OS or platform. The account inquiry application 12 is a software (S / W) program having a series of processes for mobile financial account inquiry, and receives data and selection commands through the mobile communication terminal 10. And outputs an inquiry result and the like, and processes data transmission and reception with the IC card chip 11 and the banking server 40. The account inquiry application 12 and the IC card API 13 perform the Java virtual machine (Java VM). (14) By using, it is possible to upgrade independently of the substructure, and to download and upgrade the S / W through the wireless network. Meanwhile, the account inquiry application 12 accesses the IC card chip 11. Briefly, the process is as follows. In other words, in order to read the PIN information and the financial account information embedded in the IC card chip 11, the account inquiry application 12 first calls the IC card API 13, The Java VM 14 transmits the data of the IC card API 13 to the IC card driver 16 through the system software S / W 15 to read the corresponding information. . Accordingly, the IC card driver 16 drives the IC card chip 11 to read the corresponding information. The account inquiry application 12 processes the read information to process the information of the mobile communication terminal 10. It displays on the display window, and requests the account inquiry to the banking server 40. Figure 3 is a process diagram for the mobile financial account inquiry service according to the present invention, the IC card chip 11, the mobile communication terminal 10 and The process of the mobile financial account inquiry service by interworking between the banking server 40 is illustrated. Referring to FIG. 3, the present invention is to use a mobile financial account inquiry service. The electronic banking service is selected through the M / B (Mobile Banking) dedicated key or menu item installed on the terminal (S301), and then an account inquiry service item is selected from the services of the electronic bankbook (S302). book When an account inquiry service item is selected among the list, according to the key input signal, the account inquiry application 12 displays the input screen of the PIN information on the display window of the mobile communication terminal 10, and then the PIN information is displayed by the user. When input, the account inquiry application 12 accesses the IC card chip 11, reads the embedded PIN information, and performs PIN authentication by comparing with the input PIN information (S303). When the PIN information which is the password of the IC card chip 11 input through the terminal 10 and the PIN information stored in the IC card chip 11 coincide and log in to the IC card chip 11, the account inquiry application 12 ) Outputs all the financial accounts of the user stored in the IC card chip 11 to the display window of the mobile communication terminal 10, and the user checks the financial account type and lists all of the general financial accounts except the loan account. In operation S304, the user selects a financial account to be inquired from the list of financial accounts displayed on the display window of the mobile communication terminal 10 and requests an inquiry (S305). The information on the financial account selected by the user (i.e., account number and password, its financial company code and banking server IP address, customer information, etc.) is confirmed by the IC card chip 11, and the account inquiry including this information A request message is configured. Then, a socket is connected to the banking server 40 through the BTS / BSC 20 and the PDSN 30 to configure a data transmission line (S306). The configured account inquiry request message is transmitted to request information on a recent transaction history of the financial account (S307). In this case, the banking server 40 may receive the request start date and the end date from the user. The banking server 40 may undergo a predetermined authentication process through an account number, a password, and customer information transmitted from the mobile communication terminal 10. Then, if the account is authenticated, the transaction history information for the latest or corresponding inquiry period is extracted from the host server, and a transaction history response message including the same is constructed and transmitted to the corresponding mobile communication terminal 10 (S308). Through this process, when the mobile communication terminal 10 normally receives transaction information on the requested inquiry account, the data transmission line between the mobile communication terminal 10 and the banking server 40 is released ( In operation S309, the account inquiry application 12 displays the transaction details and balances of the financial account on the display window of the mobile communication terminal 10 (S310). The present invention is processed by item selection and automatic input without inputting an account number and password, customer information, etc., so that the user's convenience can be achieved. In addition, since a series of processes such as account selection are performed on the mobile communication terminal, the account inquiry process is performed by connecting to the banking server, thereby reducing the connection time with the banking server and the network load of the communication network. The interface screen according to the exemplary embodiment displayed on the display window of the mobile communication terminal 10 of the user by driving the account inquiry application 12 is sequentially shown. Referring to FIG. 4, the user performs mobile banking. In order to activate the electronic banking service by clicking the M / B dedicated key installed on the mobile communication terminal 10, and selects the account inquiry service (deposit inquiry / transfer) of the electronic banking service. An input screen of PIN information is displayed on the display window to start an account inquiry service, and an authentication process is performed on the PIN information input on the mobile communication terminal 10. After roughness, if the authentication is authenticated, the user's deposit account list embedded in the IC card chip 11 is extracted and displayed. The user selects an account to be inquired from the deposit account list displayed on the display window of the mobile communication terminal 10, and When requesting an inquiry, the mobile communication terminal 10 constructs a request message with the related information of the selected account, transmits the request message to the banking server 40, receives the inquiry result data, and sends the transaction details for each day to the mobile communication terminal 10. ) Is displayed on the display window.

As described above, according to the present invention, by using an account inquiry application running on a removable IC card chip and a Java VM, a user can skip the process of inputting an account number, ID and password every time a mobile financial account is inquired. In addition, according to the present invention, the communication cost of the user can be reduced by minimizing the connection time between the mobile communication terminal and the banking server, and the network load of the communication network can be reduced. In addition, the PIN authentication and other security modules for the removable IC card chip can enhance the security of the data transmission in the mobile environment. The above-described system and method for financial account inquiry using a mobile communication terminal according to the present invention. As just one embodiment for carrying out the present invention, the present invention is Without departing from the gist of the invention as claimed in the following claims, any person of ordinary skill in the art to which the invention pertains has the technical spirit of the present invention to the extent that various modifications can be made. will be.

Claims (7)

In the financial account inquiry system for querying the financial account of the bank using a mobile communication terminal, A mobile communication terminal having an IC card chip storing PIN information and information related to a user's financial account and a storage device storing an account inquiry application for processing a financial account inquiry by mobile banking, and transmitting and receiving data wirelessly; A BSC that performs a radio interface with the mobile communication terminal and a BSC that performs call processing and provides the BTS and a core network interface; PDSN providing a packet data transmission service using a TCP / IP protocol; And And a banking server for providing transaction details of the corresponding bank financial account according to the financial account inquiry request from the account inquiry application of the mobile communication terminal. The mobile communication terminal and the banking server use an E2E (End to End) or WPKI (Wireless Public Key Infrastructure) encryption method for the security of data and financial information. When a key signal related to a financial transaction is input on the mobile communication terminal, an account inquiry application embedded in the mobile communication terminal is executed to receive PIN information for logging into the IC card chip, and authentication is performed on the mobile communication terminal. And extracts the user's financial account list stored in the IC card chip, displays and selects them on the display window of the mobile communication terminal, constructs an inquiry request message using the selected financial information related to the inquiry target, and then sends them to the corresponding banking server. When transmitting, the banking server processes the transaction account information according to the inquiry request message and transmits the transaction details of the inquiry target financial account to the mobile communication terminal and outputs it to the display window. The method of claim 1, The mobile communication terminal is a communication device such as a mobile phone, a smart phone, a PDA, etc., and is a hierarchical structure of software (S / W) embedded therein, and the IC card driver and the mobile communication terminal for managing data of the IC card chip. The system software (S / W) that manages the basic functions of the system has a substructure, and the account inquiry application and the IC card API are superstructured on the Java VM, which is an intermediate code for executing the account inquiry application. Financial account inquiry system using a mobile communication terminal, characterized in that it has. The method according to claim 1 or 2, The IC card chip is a financial account inquiry system using a mobile communication terminal, characterized in that detachable to the mobile communication terminal. The method according to claim 1 or 2, After the IC card chip is logged in through the PIN information authentication, the financial account inquiry using the mobile communication terminal, characterized in that to change the relevant information of the financial accounts stored in the IC card chip or add new financial account information. system. The method according to claim 1 or 2, The IC card chip, as the financial account information, stores the account number and account password, the financial company code, the account type, and the customer information for each financial account of the user. system. In the financial account inquiry method for inquiring the bank account of the bank using a mobile communication terminal detachably embedded IC card chip that stores PIN information and the user's financial account related information, An account inquiry selection step of selecting an electronic bank account service through an M / B (Mobile Banking) dedicated key or a menu item installed on the mobile communication terminal, and then selecting an account inquiry service item among the services of the electronic bank account; A PIN authentication step of authenticating access on the data stored in the IC card chip on the mobile communication terminal by comparing the PIN information input through the mobile communication terminal with the PIN information stored in the IC card chip; An inquiry account display step of displaying a list of user financial accounts stored in the IC card chip on a display window of the mobile communication terminal when the PIN card is logged into the IC card chip; When the inquiry target financial account selection signal is input by the mobile communication terminal, the account inquiry application mounted in the storage device of the mobile communication terminal checks the relevant information of the selected financial account on the IC card chip and then checks the account. An inquiry account transmission step of transmitting a request message to a corresponding banking server through the BTS / BSC and the PDSN; A response message transmission step of transmitting a transaction response message from the banking server to the mobile communication terminal after a predetermined customer authentication process for the inquiry request financial account transmitted from the mobile communication terminal to the banking server; Receiving the transaction history response message in the mobile communication terminal, the transaction history display step of displaying the transaction history of the inquiry target financial account on the display window of the mobile communication terminal, characterized in that the financial account inquiry using the mobile communication terminal Way. The method of claim 6, The mobile communication terminal is a communication device such as a mobile phone, smart phone, PDA, etc., In the inquiry account transmission step, using the mobile communication terminal characterized in that for each financial account using the information such as the account number and account password, the financial company code, account type and customer information, etc. How to look up your financial account.