KR100423401B1 - Account transfer/remittance system by mobile-phone and the method - Google Patents

Abstract

The present invention relates to a mobile transfer / transfer system and method using a mobile communication terminal. The present invention is a mobile transfer / remittance system that transfers / transfers using a mobile communication terminal, the corresponding deposit / withdrawal according to the request for the main transaction of the IC card chip and mobile banking is stored PIN information and the user's financial account information A mobile communication terminal having a built-in storage device for storing a transfer / transfer application for transferring / transmitting an account and wirelessly transmitting and receiving data; 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 processes transaction / transfer for the bank's deposit / withdrawal account and provides transaction details according to the transfer main transaction request from the transfer / transfer application of the mobile communication terminal. The banking server uses an end-to-end (E2E) or wireless public key infrastructure (WPKI) encryption technique to secure data and financial information, and when the key signal related to a financial transaction is input on the mobile communication terminal, After the transfer / transfer application built in the communication terminal is executed, PIN information for logging into the IC card chip is input, and after authentication is executed on the mobile communication terminal, the list of all financial accounts stored in the IC card chip is extracted. After displaying on the display window of the mobile communication terminal, select the relevant withdrawal account, the withdrawal account password and After requesting a preliminary transaction request message using the amount of money, the deposit account number, etc., send it to the banking server to receive a normal response message, and then use the information such as a security card password on the mobile communication terminal again. After the transaction request message is configured and sent to the corresponding banking server, the transfer transaction is processed, and the result is transmitted to the mobile communication terminal and is displayed on the display window.

Description

Mobile transfer / remittance system and method using mobile communication terminal {Account transfer / remittance system by mobile-phone and the method}

The present invention relates to a mobile transfer / transfer 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 communication terminal, and a Java virtual machine. By using the mobile transfer / remittance application running on the), the mobile terminal to maximize the user's convenience during mobile transfer / transfer, minimize the network load of the communication network, and enhance the security of data and financial information The present invention relates to a mobile transfer / transfer system and a method using the same. 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 are provided. In particular, by providing a variety of mobile banking services on the mobile terminal, users can conveniently handle the financial business, such as financial account inquiry, transfer transfer and payment, loan payment inquiry and payment anytime, anywhere without visiting the bank directly Conventional mobile transfer / transfer services are generally WAP-based wireless Internet, which runs a WAP browser on a mobile terminal and accesses the URL of the banking server, and enters the ID and password of an Internet banking user. After authentication, it processes financial services such as transfer and remittance.However, such a conventional mobile transfer / transfer service simply changes the Internet banking service on the wired Internet into a WAP-based wireless Internet service. Provides a wide screen like a computer, easy input method and storage capacity In addition, there is a lot of inconvenience in use. Also, since the ID, password, and account number must be input on the mobile communication terminal every time various banking services are used, the user has trouble in using it. Due to the weak security of the PC, it was almost impossible to store and use data related to personal information in the memory of the mobile communication terminal.In addition, once the mobile communication terminal and the banking server are connected, the session connection is continued. Since a series of processes such as input / output account number input, customer authentication, and transfer process are performed, there is a problem that not only increases the communication cost of the user but also increases the network load of the communication network.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and an object of the present invention is to simplify complex user input during mobile banking, and to reduce the connection time between the mobile communication terminal and the banking server and the network (N / W) load of the communication network. The present invention provides a mobile transfer / transfer system and method using a mobile communication terminal that minimizes and strengthens security of data transmission and financial information.

1 is a schematic configuration diagram of a mobile transfer / transfer system according to the present invention, FIG. 2 is a hierarchical structure diagram of a software (S / W) configuration of a mobile communication terminal according to the present invention, and FIG. 4 is a diagram illustrating a user interface of the mobile transfer / transfer service according to the present invention.

10: Mobile communication terminal 11: IC card chip

12: Transfer / Transfer Application 13: IC Card API 14: Java VM

15: System S / W 16: IC Card Driver

20: BTS / BSC 30: PDSN

40: banking server

In order to achieve the above object, the present invention is a mobile transfer / remittance system that transfers / transfers using a mobile communication terminal, the main transaction of IC card chip and mobile banking PIN information and the user's financial account information is stored A mobile communication terminal having a storage device storing a transfer / transfer application for processing transfer / transfer to a corresponding deposit / withdrawal account in response to a request, 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 a banking server that processes transaction / transfer for the bank's deposit / withdrawal account and provides transaction details according to the transfer main transaction request from the transfer / transfer application of the mobile communication terminal. The banking server uses an end-to-end (E2E) or wireless public key infrastructure (WPKI) encryption technique to secure data and financial information, and when the key signal related to a financial transaction is input on the mobile communication terminal, After the transfer / transfer application built in the communication terminal is executed, PIN information for logging into the IC card chip is input, and after authentication is executed on the mobile communication terminal, the list of all financial accounts stored in the IC card chip is extracted. After displaying on the display window of the mobile communication terminal, select the relevant withdrawal account, the withdrawal account password and After requesting a preliminary transaction request message using the amount of money, the deposit account number, etc., send it to the banking server to receive a normal response message, and then use the information such as a security card password on the mobile communication terminal again. The transaction request message is configured to be transmitted to the corresponding banking server, and after the main transaction is processed, the result is transmitted to the mobile communication terminal and displayed on the display window. A hierarchical structure of (S / W), the IC card driver for managing data of the IC card chip, and the system software (S / W) for managing basic functions of a mobile communication terminal as a substructure, Transfer / Transfer Application and IC Card on Java VM, Intermediate Code for Running / Transfer Application In addition, the IC card chip of the present invention is detachable with respect to the mobile communication terminal, the 'favorite deposit account' information is stored in the IC card chip, the transfer / Remittance application, when searching the user's deposit account, extracts the list of the 'favorite deposit account' and display on the display window of the mobile communication terminal, the user to select any one of them as a deposit account, financial The account information is characterized by storing the account number, the financial company code, the account type, and the customer information for each financial account of the user. The present invention also provides an IC for storing PIN information and financial account related information of the user. In the mobile transfer / remittance method to transfer / transfer using a mobile communication terminal such as a mobile phone, smart phone, PDA, etc. detachably embedded card chip In the transfer / transfer selection step of selecting an electronic bank account service through a mobile banking (M / B) dedicated key or a menu item installed on the mobile communication terminal, and selecting a transfer / transfer service item among the services of the electronic bank account. Wow; A PIN authentication step of authenticating, on the mobile communication terminal, access to the financial account information stored in the IC card chip by comparing the PIN information input through the mobile communication terminal with the PIN information stored in the IC card chip; A withdrawal account display step of displaying all the financial accounts of the user stored in the IC card chip as a withdrawal account list on the display window of the mobile communication terminal when the PIN card is logged in through the PIN authentication step; An information input step of inputting a password, a transfer amount and a deposit account number, and corresponding financial company information of the selected financial account in the withdrawal account list on the mobile communication terminal; A preliminary transaction request step of requesting a preliminary transaction for a transfer to a corresponding banking server based on the deposit / withdrawal account information and the transfer / transfer amount selected on the mobile communication terminal; After generating the security card number of the random number in response to the transfer preliminary transaction from the banking server, and transmits to the mobile communication terminal, the mobile communication terminal again inputs the password of the security card to the banking server Security card password input step; After transmitting the security card information from the mobile communication terminal to the banking server, requesting a transfer main transaction for the corresponding deposit / withdrawal account, and receiving the transfer main transaction processing result from the banking server, the display window of the mobile communication terminal And the account registration step of registering the target account as a favorite account after the transfer main transaction is made. The information input step of the IC card chip of the present invention is performed by the user. For each financial account of the account number, the corresponding financial company code, account type, customer information is stored, the 'favorite deposit account' is stored by the user's separate input, characterized in that the present invention bank window. To update the information of newly opened accounts or modified / cancelled accounts in the IC card chip of the mobile communication terminal using a wireless communication network. New stage; And a modification / change step of arbitrarily modifying / changing PIN information of an IC card chip detachably embedded in the mobile communication terminal, wherein the information input step includes a user's direct deposit of an account on the IC card chip. It is characterized by inputting the account number and the financial company information, or by selectively selecting by searching the user's 'favorite deposit account'. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 is a schematic diagram of a mobile transfer / transfer system according to the present invention. Referring to FIG. 1, the transfer / remittance system of the present invention is largely based on a user's mobile communication terminal 10, a base station transceiver system (BTS) and a base station controller (BSC) 20, and a packet data switching network (PDSN). And a banking server 40 installed at each financial company. The PDSN 30 includes a PPP between a Radio Access Network (RAN) and a Data Core Network (DCN) including a BTS / BSC 20 and the like. By providing a packet data transmission service using the TCP / IP protocol, the mobile transfer / remittance service of the present invention is service based on the TCP / IP protocol, compared to the existing mobile transfer / remittance service based on WAP The banking server 40 is a device provided for each financial institution to interoperate with a mobile system including a mobile communication terminal 10, a BTS / BSC 20, and a PDSN 30, from the mobile communication terminal 10 Receive request message for transfer / transfer. After the predetermined customer authentication process, the host server processes the received message in association with the host server, and transmits the result and the related data to the mobile communication terminal 10 through the PDSN 30 and the BTS / BSC 20. The mobile communication terminal 10 and the banking server 40 are connected using the TPC / IP protocol, and use wireless TCP / IP communication for data communication therebetween. The mobile communication terminal 10 uses wireless data communication. A mobile terminal, a smart phone, a PDA, and the like, which are equipped with various hardware devices, wherein the mobile communication terminal 10 includes a removable IC card chip 11 and various software for mobile banking (transfer / transfer). S / W) is provided. The IC card chip 11 is detachable from the mobile communication terminal 10, and the PIN information, which is the password of the IC card chip 11, is input to confirm whether there is a match. For personal identification number (PIN) authentication The built-in information can be accessed, and PIN information, financial account related information of the user and others, banking server IP address, and customer information are stored. In addition, the IC card chip 11 has information related to each financial account, such as an account number and a password, a corresponding financial company code, and an account type (for example, ordinary deposit, savings deposit, periodic deposit, housing loan, etc.). The built-in information of the IC card chip 11 is set at the time of issuance of the IC card chip 11 at a bank of a financial company such as a bank, and the user can move the PIN information embedded in the IC card chip 11 and move. After logging in to the IC card chip 11 through PIN authentication to confirm whether the PIN information input on the communication terminal 10 matches, change or add a financial account (account number, password, etc.) on the mobile communication terminal 10. Further, in the IC card chip 11, some of the financial accounts are classified and managed as a 'favorite deposit account' along with the account holder information by the user's selection. Access to its embedded information only through PIN authentication Not only can it be used, but 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 providing 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 wireless public key infrastructure (WPKI) for security of data and financial information in a mobile environment. 2 is a hierarchical structure of a software (S / W) configuration stored in a storage device of the mobile communication terminal 10. Referring to FIG. The software (S / W) configuration mounted in the storage device of the terminal 10 manages the basic functions of the IC card driver 16 and the mobile communication terminal 10 for managing data of the IC card chip 11.System software (S / W) 15 as a substructure, and on a Java Virtual Machine (MIDP MMDP) 14, a transfer / remittance application 12 (mobile banking application) and an IC card API ( Application Programming Interface (13) as a superstructure. The Java VM (14) is a virtual virtual machine regardless of the OS or platform of the mobile communication terminal 10, the transfer / remittance application (12) It is an intermediate code defined to be executed by a machine. The transfer / transfer application 12 is a software (S / W) program having a series of processes for mobile transfer / transfer, and according to the process, a mobile communication terminal ( 10) receives data and selection commands or outputs processing results, and processes access to data of the IC card chip 11, transfer / transfer request message composition, and message confirmation. 12) and The IC card API 13 can be upgraded independently of the lower structure by using the function of the Java VM 14, and can download software (S / W) through a wireless network. On the other hand, the process of accessing the IC card chip 11 in the transfer / transfer application 12 will be briefly described as follows. First, the PIN information and the financial information embedded in the IC card chip 11 will be described. In order to read the account information, the transfer / transfer application 12 calls the IC card API 13, and the Java VM 14 reads the data of the IC card API 13 from the system software. The read command for the information is transmitted to the IC card driver 16 via the (S / W) 15. Accordingly, the IC card driver 16 drives the IC card chip 11 to read the corresponding information. The transfer / transfer application 12 processes the read information to process the mobile communication terminal 10. The message is displayed on the display window of the bank or to the banking server 40 to configure and transmit the message according to the transfer / transfer. FIG. 3 is a process diagram for the mobile transfer / transfer service according to the present invention. 11), a process of processing a mobile transfer / transfer service by interworking between the mobile communication terminal 10 and the banking server 40 will be described. Mobile Banking) selects the electronic banking service through a dedicated key or menu item, and then selects the transfer / transfer service item among the services of the electronic banking. Accordingly, the transfer / transfer application 12 (mobile banking application). Option) outputs an input screen of PIN information, and when a user inputs PIN information, the IC card chip 11 accesses the IC card chip 11 to read the embedded PIN information, and compares it with the input PIN information. Access to the stored data of the chip 11 is authenticated. If the PIN information matches and is logged in to the IC card chip 11, the transfer / transfer application 12 is embedded in the IC card chip 11. All the financial accounts of the user are displayed on the display window of the mobile communication terminal 10, and when a key signal related to transfer / transmission is input by the user's selection, a particular user can search by the social security number of the general user except the loan account. The bank will output a list of all financial accounts of the bank, and the user can receive a service related to transfer / transfer by selecting a withdrawal account from the list of financial accounts displayed on the display window of the mobile communication terminal 10. Thereafter, the transfer / remittance application 12 displays the deposit account input screen on the mobile communication terminal 10 so that the user can receive the account number and financial company information of the deposit account. In this case, the user may select and input the data stored in the IC card chip 11 without directly inputting the information of the deposit account. That is, when a user selects a deposit account search item, the transfer / transfer application 12 approaches the IC card chip 11 and outputs a list of all financial accounts classified as 'favorite deposit accounts' and their account holder information. The user selects one of the accounts as a deposit account. In addition, the transfer / transfer application 12 receives the password and the transfer amount information for the withdrawal account selected by the user. At this time, the password is authenticated by matching the password of the corresponding account stored in the banking server 40 through interworking with the banking server 40. When the input and selection process is completed and the user requests the transfer / transfer, The transfer / remittance application 12 connects to the banking server 40 of the withdrawal account and makes a data transmission line by connecting a socket. The transfer / transfer application 12 relates to the withdrawal account and the deposit account. Write a preliminary transfer request message with information and transfer / remittance amount information and request transfer preliminary transactions to the banking server 40 of the withdrawal account financial company through the data transmission line. Transfer from the banking server 40 When receiving a normal response message according to the preliminary transaction and the user presses a confirmation key according to the preliminary transaction, the banking server 40 is a security card number of 1 to 35. In this case, the user checks the security card and inputs a security card password corresponding to the number on the mobile communication terminal 10. Accordingly, the transfer / remittance application 12 may transmit the transaction details and the security card information. The banking server 40 requests a transfer main transaction by constructing a transfer main transaction request message to the banking server 40. The banking server 40 authenticates the security card and processes the transfer transaction. When the transaction response message is normally transmitted, the data transmission line between the mobile communication terminal 10 and the banking server 40 is released, and the transfer / transfer application 12 receives the processing result according to the transfer main transaction. On the display window of the mobile communication terminal 10, if the transfer main transaction is successful, the user can register the transfer deposit account as a 'favorite deposit account'. And, the information is stored in the IC card chip 11. The present invention can be so processed by the I / payment account related information without having to enter a separate item selection and automatic input of to reduce the user's convenience. In addition, since most serial processes, such as deposit / outgoing accounts for money transfer and input of an amount of money, are performed on the terminal through the IC card chip 11, and are connected to the banking server 40 only for essential items, the banking server and FIG. 4 is a diagram sequentially showing an interface screen displayed to the user by the transfer / transfer application 12. Referring to FIG. 10) Click the M / B dedicated key installed on the screen to activate the electronic bank account service, and select a transfer / transfer service (deposit inquiry / transfer) among the electronic bank account services. Accordingly, the display window of the mobile terminal 10 When the input screen of PIN information is displayed and the PIN authentication for the IC card chip 11 is performed, the user's deposit account list stored in the IC card chip 11 is extracted and moved to the withdrawal account list. It is displayed on the display window of the new terminal 10. Also, a deposit account input screen can be displayed, or a deposit account list can be selected through the account search menu, and a deposit account can be selected, and an account password and a transfer amount input screen can be displayed. (Not shown) is displayed and displayed on the display window of the mobile communication terminal 10 so that a user can input it. When the deposit / withdrawal account is selected and the transfer amount is input, banking with the mobile terminal 10 is performed. Network connection and data transmission between the servers 40 are made, and the mobile communication terminal 10 receives the transfer / transfer process result from the banking server 40 and outputs the result to the display window of the mobile communication terminal 10.

As described above, according to the present invention, by using a banking 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 transfer / transfer is made. In addition, according to the present invention, since the connection time between the mobile communication terminal and the banking server is minimized, the call charge burden of the user can be reduced, and the network load of the communication network can be minimized. In addition, according to the present invention, the security of data transmission in a mobile environment can be enhanced through PIN authentication and other security modules for a removable IC card chip using a smart card. One for implementing a mobile transfer / remittance system and method using a mobile communication terminal according to As an example only, the present invention is not limited to the above-described embodiments, and any person having ordinary skill in the art to which the present invention pertains may vary without departing from the gist of the present invention as claimed in the following claims. It will be said that there is a technical spirit of the present invention to the extent that modifications can be made.

Claims (8)

In the mobile transfer / transfer system that transfers / transfers using a mobile communication terminal, IC card chip that stores PIN information and user's financial account information, and a storage device that stores a transfer / transfer application that processes transfer / transfer to the corresponding deposit / withdrawal account according to the request for main transaction of mobile banking. A mobile communication terminal for transmitting and receiving data; 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 that processes transaction / transfer for the deposit / withdrawal account of the bank in accordance with a request for a main transaction from the transfer / transfer application of the mobile communication terminal and provides transaction details. 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, a PIN information for logging into the IC card chip is executed by executing a transfer / transfer application embedded in the mobile communication terminal, and authenticating on the mobile communication terminal. After the execution, the list of all financial accounts stored in the IC card chip is extracted and displayed on the display window of the mobile communication terminal, the corresponding withdrawal account is selected, and the withdrawal account password, the transfer amount, the deposit account number, etc. After the transfer preliminary transaction request message is configured and sent to the corresponding banking server to receive a normal response message, the mobile communication terminal again constructs the transfer main transaction request message using information such as a security card password and the corresponding banking server. After the transfer main transaction is processed and the result is the mobile communication terminal Mobile transfers / transfer system using a mobile communication terminal, characterized in that displayed on the display is transmitted groups. 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 has a hierarchical structure of embedded software (S / W), an IC card driver for managing data of the IC card chip, and a mobile communication terminal. System software (S / W) that manages the basic functions of the substructure, and transfers the transfer / remittance application and IC card API on the Java VM (intermediate code) for executing the transfer / remittance application Mobile transfer / remittance system using a mobile communication terminal, characterized in that having a structure. The method according to claim 1 or 2, The IC card chip, the mobile transfer / transfer system using a mobile communication terminal, characterized in that detachable to the mobile communication terminal. The method according to claim 1 or 2, The IC card chip stores 'favorable deposit account' information. The transfer / remittance application, when searching for a user's deposit account, extracts the list of 'favorite deposit accounts' and displays them on the display window of the mobile communication terminal, and allows the user to select any one of them as a deposit account. Transfer / remittance system using a mobile communication terminal, characterized in that. The method according to claim 1 or 2, The IC card chip is a financial transfer information, the mobile transfer / remittance system using a mobile communication terminal, characterized in that for storing the account number, corresponding financial company code, account type, customer information for each financial account of the user. In the mobile transfer / remittance method for transferring / remittance using a mobile communication terminal detachably embedded IC card chip that stores PIN information and the user's financial account related information, A transfer / transfer selection step of selecting an electronic banking service through a mobile banking dedicated key or menu item installed on the mobile communication terminal, and then selecting a transfer / transfer service item from among the services of the electronic bankbook; A PIN authentication step of authenticating, on the mobile communication terminal, access to the financial account information stored in the IC card chip by comparing the PIN information input through the mobile communication terminal with the PIN information stored in the IC card chip; A withdrawal account display step of displaying all the financial accounts of the user stored in the IC card chip as a withdrawal account list on the display window of the mobile communication terminal when the PIN card is logged in through the PIN authentication step; An information input step of inputting a password, a transfer amount and a deposit account number, and corresponding financial company information of the selected financial account in the withdrawal account list on the mobile communication terminal; A preliminary transaction request step of requesting a preliminary transaction for a transfer to a corresponding banking server based on the deposit / withdrawal account information and the transfer / transfer amount selected on the mobile communication terminal; After generating the security card number of the random number in response to the transfer preliminary transaction from the banking server, and transmits to the mobile communication terminal, the mobile communication terminal again inputs the password of the security card to the banking server Security card password input step; After transmitting the security card information from the mobile communication terminal to the banking server, requesting a transfer main transaction for the corresponding deposit / withdrawal account, and receiving the transfer main transaction processing result from the banking server, the display window of the mobile communication terminal The processing result display step shown in After the transfer main transaction is made, the mobile transfer / remittance method using a mobile communication terminal characterized in that it comprises an account registration step of registering the target account as a favorite account. The method of claim 6, The mobile communication terminal is a communication device such as a mobile phone, a smart phone, a PDA, etc., The information input step stores the account number, the corresponding financial company code, the account type, and the customer information for each financial account of the user in the IC card chip, and stores the 'favorite deposit account' by the user's separate input. Mobile transfer / remittance method using a mobile communication terminal, characterized in that. According to claim 6 or 7, An update step of updating information of a newly opened account or a revised / cancelled account at a bank window on the IC card chip of the mobile communication terminal using a wireless communication network; And a modification / change step of arbitrarily modifying / changing PIN information of an IC card chip detachably embedded in the mobile communication terminal, In the information input step, a mobile communication terminal comprising a user directly inputting an account number and a corresponding financial company information of a deposit account into the IC card chip, or selectively inputting by searching a user's favorite deposit account. Mobile transfer / remittance method using.