KR20070070341A - One-Chip Mobile Banking Service Method - Google Patents

Abstract

The present invention relates to a one-chip mobile banking service method, and when a mobile personal information management system (PIMS) program and mobile banking program for managing personal information are embedded in a mobile communication terminal, the mobile terminal in PIMS through the PIMS program. After saving the financial information used for the banking service, after determining the service target in the financial information of PIMS, and starting the mobile banking service, when the mobile banking program is activated and the personal identification number is confirmed, the financial information, amount or Enter a message, enter the account / card password and security card number to perform the actual banking tasks of the service target.

Description

One-chip mobile banking service method {METHOD FOR MOBILE BANKING SERVICE USING OF ONE CHIP CARD}

1 illustrates a process of executing a wire transfer in a one-chip mobile payment service method according to the prior art.

2 is a flowchart of a one-chip mobile banking service method according to an embodiment of the present invention.

3 illustrates an interface screen for bank transfer as an embodiment of FIG. 2.

The present invention relates to a one-chip mobile banking service method, and more particularly, to a one-chip mobile banking service method capable of performing a quick banking task by interfacing a personal information management system (PIMS) of a mobile communication terminal with a mobile banking service. will be.

Mobile Banking Service is a mobile communication terminal with internet access. Anytime, anywhere bank balance inquiry, bank transfer, deposit inquiry, exchange rate inquiry, cashier's check, transaction history inquiry, credit card transaction, cash service, etc. Financial transaction service that can receive services.

The card-based mobile banking service is a method of processing authentication and banking services by mounting a smart card that stores various financial applications including credit card, debit card, mileage, and own financial information in a mobile communication terminal.

here. Smart card is an IC chip type credit card that can store various financial functions such as electronic money and transportation card in one card.

The mobile communication terminal is equipped with a nail-size Subscriber Identifying Module (SIM) card. The SIM card stores information such as a phone number, a mobile communication service provider, and a personal phone number. Authentication and roaming services are available.

ONE CHIP method combines subscriber authentication function of SIM card and financial application of IC chip and stores them in one SIM card (or combined SIM card method). Has the advantage.

1 illustrates a process of executing a wire transfer in a one-chip mobile payment service method according to the prior art.

As shown in FIG. 1, the mobile communication terminal starts a mobile banking service for bank transfer (A), selects a bank transfer menu (B), imports a transfer account information (C), and an account. Proceed to step (D) of performing the transfer.

That is, since the mobile terminal downloads the program for mobile banking and executes the program every time a transaction is used, the mobile terminal runs the mobile banking program for account transfer (S1) and the desired menu (large item-bank) from the mobile banking service menu. Transaction) and enter a Personal Identification Number (PIN) (S1, S2, S3).

If the personal identification number stored in the memory and the personal identification number entered by the user match, the mobile communication terminal prompts the user to select a sub-item transfer, and the user sets the remittance account (S4, S5).

In order to transfer money, the user extracts his or her account information from the one-chip card embedded in the mobile communication terminal and inputs the amount and message to execute the transfer. (S6, S7, S8)

In order to actually perform the transfer, the user inputs the password of the transfer account to be withdrawn, enters the security card number, and instructs the transfer to the transfer account to be remitted (S9, S10, S11).

As described above, the account transfer method of the mobile banking service according to the prior art is complicated because the account transfer process proceeds through several steps, and accesses the one chip card (ACCESS) to read the transfer account information and reads the information. There is a problem that takes a long time to transfer the account as a whole.

The technical problem to be achieved by the present invention is to provide a one-chip mobile banking service method that can perform a quick account transfer or credit card inquiry through the link between the personal information management system and the mobile banking service in the mobile communication terminal.

A one-chip mobile banking service method according to a feature of the present invention, a) a program for PIMS (personal information management system) and a mobile banking program for managing personal information in a mobile communication terminal, the PIMS program Storing financial information used for a mobile banking service in the PIMS; b) when the mobile communication terminal is driven, starting the mobile banking service after determining a service target from the financial information of the PIMS; c) driving the mobile banking program by step b), and inputting financial information, an amount, or a message necessary for a banking task when a personal identification number is confirmed; And d) executing the actual banking task of the service target by inputting an account / card password and a security card number when the banking task proceeds through step c).

In step a), the financial information stored in the PIMS may be extracted from the one-chip card or directly input by the user.

In the above, when the account information is selected from the financial information of the PIMS in step b), step c) inputs a remittance account and a transfer amount and a message, instructs the execution of the transfer, and step d) After entering the password and security card number, transfer the account.

On the other hand, when the credit card information is selected from the financial information of the PIMS in step b), step c) instructs the credit card usage inquiry through the mobile banking service, step d) enters the password of the credit card When the credit card usage inquiry result is output.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention.

First, a one-chip mobile banking service method according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 and 3.

2 is a flowchart illustrating a one-chip mobile banking service method according to an exemplary embodiment of the present invention, and FIG. 3 illustrates an interface screen for account transfer as an embodiment of FIG. 2.

In the one-chip mobile banking service method according to an embodiment of the present invention, financial information used for mobile banking service in a personal information management system (PIMS), which is a software program that enables easy management of personal information. It is assumed that is stored.

In this case, the financial information stored in the PIMS includes account information and credit card information of itself or others, and such information may be extracted from a one-chip card or input directly by the user.

As shown in FIG. 2, in the one-chip mobile banking service method according to an embodiment of the present invention, when a user performs an account transfer during a banking task, a user may select a counterpart's account information after driving PIMS (A), (B) instructing the execution of the transfer by transmitting the account information of the counterpart to the mobile banking program, and the step (C) of the actual user performing the transfer of funds between the counterpart.

That is, as shown in FIG. 3, the mobile communication terminal outputs the PIMS personal information screen (a) when the user determines the account transfer partner in PIMS by driving the PIMS program.

In this case, the personal information screen of the PIMS displays the mobile phone number, home / office number, account number, and bank information of the counterpart.

As shown in (b) of FIG. 3, the mobile communication terminal transmits the account number and transaction bank information of the counterpart selected by the user to the mobile banking program so that the user initiates the account transfer. (S101, S102)

The mobile banking program of the mobile communication terminal is driven for bank transfer, and performs user authentication by checking a personal identification number (PIN). (S103, S104)

The mobile communication terminal instructs the user to set up a remittance account, and input a transfer amount and a message when the user inputs a money transfer (S105, S106, S017).

When the user inputs the password of the remittance account and inputs the number of the corresponding security card indicated by the mobile banking program, the mobile communication terminal checks whether the password of the account and the number of the security card match and executes the account transfer. (S108, S109, S110)

On the other hand, in the one-chip mobile banking service method according to another embodiment of the present invention, when the user selects the credit card information from the financial information of the PIMS, the mobile communication terminal by sending the credit card information to the mobile banking program mobile Allows the banking program to print out the results of using the credit card.

The drawings and detailed description of the invention are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

As described above, the one-chip mobile banking service method according to the present invention stores the financial information in the PIMS of the mobile communication terminal, thereby accessing the existing one-chip card at the time of account transfer or credit card inquiry and the other party's account information or own credit. The process of reading the card information lead can be omitted, thereby making it possible to quickly perform a bank transfer or credit card usage inquiry.

Claims (4)

a) when the mobile communication terminal includes a program for personal information management system (PIMS) and a mobile banking program for managing personal information, the financial information used for the mobile banking service is stored in the PIMS through the program for PIMS; Doing; b) when the mobile communication terminal is driven, starting the mobile banking service after determining a service target from the financial information of the PIMS; c) driving the mobile banking program by step b), and inputting financial information, an amount, or a message necessary for a banking task when a personal identification number is confirmed; And d) executing the actual banking service of the service target by inputting the account / card password and security card number when the banking work is performed in step c); One-chip mobile banking service method comprising a. The method of claim 1, Step a) is The financial information stored in the PIMS is extracted from the one-chip card or the user directly inputs a mobile banking service method, characterized in that the input directly. The method of claim 1, In step b), if the account information is selected from the financial information of the PIMS, step c) inputs a remittance account, a transfer amount and a message, instructs the execution of a transfer, and step d) is performed on the remittance account. One-chip mobile banking service method characterized in that the transfer of the account after entering the password, security card number. The method of claim 1, When the credit card information is selected from the financial information of the PIMS in step b), the step c) instructs the credit card usage inquiry through the mobile banking service, and the step d) indicates that the credit card is encrypted. The method of one-chip mobile banking service, characterized in that to output the credit card use query results when input.

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