WO2013042891A1 - Emergency call service and online/offline banking security system using smartphone authenticaltion and method for same - Google Patents

Abstract

The present invention relates to an emergency call service and an online/offline banking security system using a smartphone, and to a method for same, and comprises: a smartphone for transmitting to a mobile communications provider server emergency rescue request information that is inputted through a user's operation, and controlling an Internet banking application when the application is running so as to convert a URL for Internet banking access into a predetermined virtual access URL, so that Internet banking can be performed on the virtual Internet banking URL page; the mobile communications provider server for transmitting an authentication number that is generated by receiving the emergency rescue request information to a guardian terminal that is included in the emergency rescue request information, and connecting to a GPS satellite after receiving from the guardian terminal an authentication reply number and transmitting location coordinates of the smartphone and the emergency rescue request information that is received to an agency server; the agency server for transmitting dispatch information that is generated to rescue a smartphone user to a police station or a fire station within a radius inside the location coordinates of the smartphone, and generating bank transaction blockage information, which allows transactions of bank accounts under the smartphone user's name to be handled through virtual bank accounts, and transmitting same to a bank server along with the emergency rescue request information; and the bank server for converting a bank account that corresponds to a smartphone identification number into a predetermined virtual bank account and performing offline banking service, when usage of the offline banking service including either a debit card or a check card linked to the bank account, which corresponds to the smartphone identification number that is included in the emergency rescue request information, is detected.

Description

Emergency call service and online / offline banking security system and method using smartphone authentication

The present invention relates to an emergency call service, an on-line banking security system and a method using smartphone authentication. More specifically, when a user of a portable terminal generates an emergency situation and sends emergency information, the preset guardian portable terminal The present invention relates to a technology for providing a virtual internet banking service by performing authentication on an emergency situation and transmitting the same to an institution server, and converting a mobile terminal user's internet banking account into a preset virtual internet banking account.

Recently, due to the explosive increase in the number of mobile subscribers, mobile communication terminals are recognized as a necessity to be seen around the home nowadays, so mobile communication terminal manufacturers are launching multifunctional mobile communication terminals with better performance. Correspondingly, telecommunications service providers offer higher levels of telecommunications services and several additional services.

As such, when a technology for identifying a user's location through the source tracking of a mobile communication terminal has been developed during a recently released communication service, when an emergency occurs in a user, the mobile terminal is automatically transmitted from the user. Mobile communication terminals and mobile communication services having a rescue request function for requesting rescue from law enforcement agencies such as emergency agencies or police stations have been released.

However, due to the disclosure of such technical information to the public, in the actual situation, before or after the user's emergency signal is sent, the criminals take away the user's terminal and damage it, and the rescue signal is no longer generated. Even if it is actually recognized, the exact location tracking can not be made, and even if the actual location tracking, there is a problem that arrives on the scene after the situation is over.

In case that the mobile communication subscriber cannot proceed with the voice call in preparation for the above situation, an emergency call processing method for transmitting emergency information to the emergency contact through the button operation to notify the on-site situation of the accident situation is implemented. In other words, there were many problems in which an emergency situation was incorrectly transmitted in an unintended situation due to an incorrect operation of a mobile communication terminal.

In addition, when the mobile subscriber is not aware of the emergency signal transmitted from the other party when the emergency situation, there is a problem that the reliability of the service is frequently lowered because it can not help the user who wants the rescue at all. I'm doing it.

Various research and development has been made in the industry to improve this problem, and Korean Patent No. 10-0827709 (emergency call misuse prevention system and method using a mobile communication network) and many other documents are disclosed.

Looking at the above-mentioned prior patent with reference to Figure 1, the rescue requester terminal is formed with an emergency rescue key for the emergency situation of the user; Receive emergency information from the rescuer's terminal and perform a call connection between the rescuer's terminal and the rescuer's terminal.When emergency information is delivered from the rescuer's terminal to the security server, the rescuer's terminal is switched to a call with the security server. A service provider server configured to transmit the rescue requester's telephone number and the short message information to the rescuer's terminal; A rescuer terminal for receiving an emergency requestor's telephone number and short message information of a rescue requester's terminal input through a telecommunication company server to notify an emergency situation; And a security server connected to the secondary emergency contact information (police, fire department) in a one-way reception state with the rescue requester terminal through the communication company server to enable communication with the rescue requester terminal.

However, even if the emergency situation is notified to the second emergency contact number through the authentication with the guardian, when the emergency situation occurs, before the police officer arrives at the crime scene, the criminal deposits the deposit deposited in the user's account by accessing the Internet banking of the rescue requester's terminal. There is a problem that does not prevent secondary damage, such as transferring to a third party account, or withdraw cash through a CD / ATM of a nearby bank.

The present invention has been made to solve the above problems, when the smart phone user sends out emergency information when an emergency situation occurs, and transmits to the institution server by performing authentication for the emergency situation through a preset parental terminal By converting a smartphone user's internet banking account into a preset virtual internet banking account and providing a virtual internet banking service, it supports the response of an institution including a police station or a fire department in the shortest time in case of an emergency situation of a smartphone user. Its purpose is to prevent secondary damages due to Internet banking account transfers.

And, in the present invention, when a smart phone user sends out emergency information due to an emergency situation, by performing the authentication of the emergency situation through a preset parental terminal to transmit to the institution server, the debit corresponding to the smartphone identification number By providing an offline banking service by converting a bank account linked with a card or a check card into a preset virtual bank account, it supports the response of institutions including the police station or the fire department in the shortest time when an emergency situation of a smartphone user occurs, The objective is to prevent secondary damages due to cash withdrawals.

Emergency call service and on-line banking security system using the smart phone authentication of the present invention for achieving the technical problem, and transmits the emergency rescue request information received through the user's operation to the mobile carrier server, the Internet banking application is executed If it is, the smart phone for controlling to perform the Internet banking work on the virtual Internet banking URL page by switching the URL for the Internet banking access to the preset virtual access URL; Send the authentication number generated by receiving the emergency rescue request information to the guardian terminal included in the emergency rescue request information, and after receiving the authentication reply number from the guardian's terminal, the position coordinate and emergency rescue request information of the smartphone received by accessing the GPS satellite. Mobile communication server for transmitting to the institution server; The dispatch information generated for the rescue of the smart phone user is transmitted to the police station or the fire station located in the radius of the location coordinate of the smart phone, and the bank transaction stop information is generated so that the bank accounts opened under the smart phone user name can be performed through the virtual account. Institution server for transmitting to the bank server with the emergency rescue request information; And detecting the use of an offline banking service including any one of a debit card or a check card linked to the bank account corresponding to the smartphone identification number included in the emergency rescue request information, the bank account corresponding to the smartphone identification number. It includes; bank server for controlling to perform an offline banking service by switching to a predetermined virtual bank account.

In addition, the emergency call service and on-line banking security system using the smart phone authentication of the present invention transmits the emergency rescue request information received through the user's operation to the mobile communication server, and when the Internet banking application is executed, the Internet banking connection A smartphone for controlling an internet banking task in a virtual internet banking URL page by converting a URL for the preset virtual access URL; Send the authentication number generated by receiving the emergency rescue request information to the guardian terminal included in the emergency rescue request information, and after receiving the authentication reply number from the guardian's terminal, the position coordinate and emergency rescue request information of the smartphone received by accessing the GPS satellite. Mobile communication server for transmitting to the institution server; The dispatch information generated for the rescue of the smart phone user is transmitted to the police station or the fire station located in the radius of the location coordinate of the smart phone, and the bank transaction stop information is generated so that the bank accounts opened under the smart phone user name can be performed through the virtual account. Institution server for transmitting to the bank server with the emergency rescue request information; And detecting the use of the Internet banking service corresponding to the smart phone identification number included in the emergency rescue request information, the smart phone converts the URL for the Internet banking access into a preset virtual access URL, thereby converting the Internet from the virtual internet banking URL page. It includes; bank server for controlling to perform the banking service.

And, the emergency call service and on-line banking security method using the smart phone authentication of the present invention based on the system as described above, the smart phone transmits the emergency rescue request information received through the user's operation to the mobile communication server (a) step; (B) transmitting, by the telecommunications server, the authentication number generated by receiving the emergency rescue request information to the guardian terminal included in the emergency rescue request information; (C) transmitting, by the mobile communication server, the authentication reply number and the authentication number received from the guardian's terminal to each other, the GPS coordinates and the position coordinates and emergency rescue request information of the connected smartphone to the institution server; The agency server sends outgoing information to the police station or fire station located within the radius of the smartphone's location coordinates, and generates banking stop information that allows bank accounts opened under the smartphone user's name to be executed through virtual accounts. (D) transmitting together to the bank server; (E) detecting, by the bank server, a banking service corresponding to the smartphone identification number included in the emergency rescue request information, and whether the detected banking service is an offline banking service or an online banking service; And (e) determining that the offline banking service is used, and controlling the bank server to perform the offline banking service by converting the bank account corresponding to the smartphone identification number into a preset virtual bank account (f). ) Step;

According to the present invention as described above, when a smart phone user sends out emergency information when an emergency situation occurs, by performing the authentication of the emergency situation through a preset parental terminal and transmits to the institution server, the smart phone user's Internet By converting a banking account into a preset virtual internet banking account and providing a virtual internet banking service, it supports the response of institutions including the police station or the fire department in the shortest time when an emergency situation of a smartphone user occurs, and transfers the Internet banking account. Secondary damage caused by the effect is prevented in advance.

In addition, according to the present invention, when a smartphone user sends out emergency information due to an emergency situation, the user can perform an emergency situation authentication through a preset parental terminal and transmit it to the institution server, and respond to the smartphone identification number. By providing an offline banking service by converting a bank account linked to a debit card or a check card to a preset virtual bank account, it supports the response of institutions including police or fire departments in the shortest time in case of an emergency situation of a smartphone user. In addition, it is effective in preventing the secondary damage caused by cash withdrawal.

1 is a block diagram showing a system and method for preventing emergency call misuse using a conventional mobile communication network.

Figure 2 is a block diagram showing an emergency call service and on-line banking security system using a smartphone authentication in accordance with the present invention.

Figure 3 is a block diagram showing a smartphone of the emergency call service and on-line banking security system using a smartphone authentication in accordance with the present invention.

Figure 4 is a block diagram showing a mobile communication server of the emergency call service and on-line banking security system using a smartphone authentication in accordance with the present invention.

5 is a block diagram illustrating a guard terminal and an institution server of an emergency call service and an on-line banking security system using a smartphone authentication according to the present invention.

Figure 6 is a block diagram showing a bank server of the emergency call service and on-line banking security system using a smartphone authentication in accordance with the present invention.

7 is a flowchart illustrating an emergency call service and an online offline security method using a smartphone authentication according to the present invention.

8 is a flowchart illustrating step S70 of an emergency call service and an online offline security method using a smartphone authentication according to the present invention.

9 is a flowchart illustrating a detailed process of step S30 of the emergency call service and the on-line banking security method using a smartphone authentication in accordance with the present invention.

[Description of the code]

S: Emergency call service and online / offline banking security system using smartphone authentication

100: smart phone 110: emergency call detection module

120: application control module 200: mobile communication server

210: authentication number generation module 220: authentication number matching module

230: GPS satellite connection module 300: parental terminal

400: institution server 500: bank server

510: banking service detection module 520: offline banking switching module

530: online banking conversion module

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, the terms or words used in the present specification and claims are defined in the technical spirit of the present invention on the basis of the principle that the inventor can appropriately define the concept of the term in order to explain his invention in the best way. It should be interpreted to mean meanings and concepts. In addition, when it is determined that the detailed description of the known function and its configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted.

As shown in Figure 2, the emergency call service and on-line banking security system (S) using the smartphone authentication in accordance with the present invention is a smartphone 100, mobile carrier server 200, guardian terminal 300, institution server ( 400) and the bank server 500 is configured.

Hereinafter, the description will be omitted, but the information transmission and reception between the smart phone 100, the mobile communication server 200, the guardian terminal 300, the institution server 400 and the bank server 500 according to the present invention is performed through the information communication network The information communication network is preferably understood as a generic term for a wireless network capable of transmitting and receiving data by any one of wireless Internet (3G network / 4G network) or Wi-Fi (Wireless Fidelity).

First, the smartphone 100 transmits the emergency rescue request information received through the user's operation to the mobile communication server 200, and when the Internet banking application is executed, the URL for the Internet banking access to the preset virtual access URL. By switching to control to perform the Internet banking task in the virtual Internet banking URL page, it comprises an emergency call detection module 110 and the application control module 120.

Here, the smart phone 100 according to the present invention is preferably understood as a communication device including an Internet phone or a tablet PC (Tablet PC) capable of telephone calls and Internet access.

Specifically, referring to FIG. 3, the emergency call service using the smartphone authentication according to the present invention and the smartphone 100 of the on-line banking security system S are as follows.

The emergency call detection module 110 of the smart phone 100 detects a signal received through an emergency call button of the user and generates emergency rescue request information generated to include a smartphone identification number and a preset guardian terminal identification number. Transmitted to the mobile communication server 200 connected through.

In addition, when the application control module 120 receives the emergency rescue request information from the emergency call detection module 110, and the pre-installed internet banking application is executed, the application control module 120 converts the URL for the internet banking connection into a preset virtual access URL. To control the Internet banking business from the virtual Internet banking URL page.

On the other hand, referring to Figure 4 when looking at the mobile phone server 200 of the emergency call service and the on-line banking security system (S) using the smart phone authentication in accordance with the present invention.

The mobile communication server 200 transmits the authentication number generated by receiving the emergency rescue request information from the smart phone 100 connected through the information communication network to the guardian terminal 300 included in the emergency rescue request information, and the guardian terminal 300. Receive the authentication reply number from the GPS satellite and connected to the location coordinates and emergency rescue request information of the smartphone received by the institution server 400, but the authentication number generation module 210, authentication number matching module 220 And a GPS satellite connection module 230.

Specifically, the authentication number generation module 210 of the mobile communication server 200 extracts the guardian terminal identification number from the emergency rescue request information received from the smart phone 100 connected through the information communication network, and randomly generated through a random number generator One authentication number is converted into an SMS form and transmitted to the guardian terminal 300 together with the emergency rescue request information.

In addition, the authentication number matching module 220 generates authentication completion information when the authentication reply number received from the guardian terminal 300 and the authentication number authorized from the authentication number generation module 210 correspond to each other.

In addition, the GPS satellite connection module 230 receives the authentication completion information from the authentication number matching module 220 and transmits the position coordinates and the emergency rescue request information of the smartphone connected to the GPS satellite to the institution server 400.

On the other hand, with reference to Figure 5, the emergency call service using the smartphone authentication according to the present invention and the on-line banking security system (S) of the guard terminal 300 and the institution server 400 is as follows.

First, the guardian terminal 300 receives the emergency rescue request information and the authentication number from the mobile operator server 200 connected through the information communication network and transmits the authentication reply number received through the operation of the guardian to the mobile operator server 200.

In addition, the institution server 400 receives the position coordinates and emergency rescue request information of the smart phone from the mobile communication server 200 connected through the information communication network, and the dispatch information generated for the rescue of the smart phone user location of the smart phone Transmitted to the police station or fire station located in the coordinate radius, and generates a bank transaction stop information to be performed through the virtual account of the bank accounts opened in the smartphone 100 user name and transmits to the bank server 500.

And, with reference to Figure 6 when looking at the bank server 500 of the emergency call service and on-line banking security system (S) using the smart phone authentication in accordance with the present invention.

The bank server 500 receives emergency rescue request information and bank transaction stop information from the institution server 400 connected through the information communication network, and is linked with the bank account corresponding to the smartphone identification number included in the emergency rescue request information. When detecting the use of an offline banking service including one of a debit card or a check card, the bank account corresponding to the smartphone identification number is converted to a preset virtual bank account to perform the offline banking service.

In addition, the bank server 500 receives the emergency rescue request information and bank transaction stop information from the institution server 400 connected through the information communication network, the Internet banking service corresponding to the smart phone identification number included in the emergency rescue request information When detecting the use, the smartphone 100 controls the Internet banking service to perform the Internet banking service by converting the URL for the Internet banking access URL into a preset virtual access URL.

Specifically, the banking service detection module 510 of the bank server 500, after receiving the emergency rescue request information and bank transaction stop information from the institution server 400, corresponding to the smartphone identification number from the ATM machine provided in the bank When receiving a debit card or check card access signal linked to the bank account to generate offline banking transaction detection information, and detects the use of the Internet banking service corresponding to the smartphone identification number through the information communication network, online banking transaction Generate detection information.

In addition, when the offline banking conversion module 520 is authorized offline banking transaction detection information from the banking service detection module 510, the virtual account switching to convert the bank account corresponding to the smartphone identification number into a preset virtual bank account. By transmitting the information to the ATM, the ATM controls the offline banking service in the virtual account environment.

Here, the virtual bank account is an account that is pre-created at the request of the smart phone 100 user, and when the balance is set to '0 won' when the virtual bank account is generated, the bank account corresponding to the smartphone identification number Ensure that no cash is withdrawn.

When the online banking conversion module 530 receives online bank transaction detection information from the banking service detection module 510, the online banking conversion module 530 converts the Internet banking URL connected to the smartphone 100 into a preset virtual internet banking URL. Control internet banking service from virtual internet banking URL page.

Here, when the Internet banking URL is switched to the virtual internet banking application, when the Internet banking application is connected to the Internet through the wireless Internet, the smartphone 100 is connected to the same Internet banking environment as the original Internet banking. Go to the URL page that you have and control to perform Internet banking service.

In this case, when the smartphone 100 performs the account transfer service, the smart phone 100 controls the transfer of the transfer request amount from the amount deposited in the account corresponding to the smartphone identification number to the desired account, but the Internet banking service identifies the smartphone. The transfer request amount is not actually transferred to the account that wants to be transferred as it is performed in the virtual account corresponding to the number, but the transfer request amount is displayed to be transferred to the account that is to be transferred on the screen displayed on the smartphone 100.

Hereinafter, an emergency call service and an on-line banking security method using a smartphone authentication according to the present invention will be described with reference to FIG. 7.

First, the smart phone 100 transmits the emergency rescue request information received through the user's operation to the mobile communication server 200 (S10).

Subsequently, the mobile communication server 200 transmits the authentication number generated by receiving the emergency rescue request information to the guardian terminal 300 included in the emergency rescue request information (S20).

Subsequently, if the authentication reply number received from the parent terminal 300 and the authentication number correspond to each other, the mobile communication server 200 sends the GPS coordinates and the emergency coordinate request information to the institution server 400 to the connected smartphone. Transmit (S30).

Subsequently, the institution server 400 transmits dispatch information to the police station or the fire station located in the radius of the location coordinates of the smartphone, and generates bank transaction stop information for performing bank accounts opened under the smartphone user name through a virtual account. The emergency rescue request information is transmitted to the bank server 500 (S40).

Subsequently, the bank server 500 detects the banking service corresponding to the smartphone identification number included in the emergency rescue request information, and determines whether the detected banking service is an offline banking service or an online banking service (S50).

As a result of the determination in step S50, when the bank server 500 detects the use of the offline banking service, the bank server 500 controls to perform the offline banking service by switching the bank account corresponding to the smartphone identification number into a preset virtual bank account ( S60).

On the other hand, as shown in FIG. 8, as a result of the determination in step S50, when the bank server 500 detects the use of the online banking service, the smartphone 100 sets the URL for the Internet banking access to the preset virtual access URL. Switch to the control to perform the Internet banking service on the virtual Internet banking URL page (S70).

And, with reference to Figure 9 if you look at the detailed process of step S30 of the emergency call service and on-line banking security method using the smart phone authentication in accordance with the present invention as follows.

After the step S20, when the authentication number generated by the mobile communication server 200 and the authentication reply number received from the parental terminal 300 correspond to each other, authentication completion information is generated (S31).

Then, the mobile communication server 200 transmits the location coordinates and emergency rescue request information of the received smartphone to the institution server 400 in connection with the GPS satellite according to the generation of authentication completion information, and performs the procedure in step S40 ( S32).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes, modifications, and equivalents should be considered to be within the scope of the present invention.

Claims (10)

In the emergency call service and online offline security system using smartphone authentication, Sends the emergency rescue request information received through the user's operation to the mobile communication server, and when the Internet banking application is executed, converts the URL for the Internet banking connection into a preset virtual access URL and converts the Internet banking URL page from the virtual Internet banking URL page. Smartphone to control to perform a task; Sending the authentication number generated by receiving the emergency rescue request information to the guardian terminal included in the emergency rescue request information, the position coordinates and emergency rescue of the smartphone received by accessing the GPS satellite after receiving the authentication reply number from the guardian terminal Mobile communication server for transmitting the request information to the institution server; The dispatch information generated for the rescue of the smart phone user is transmitted to the police station or the fire station located in the radius of the location coordinate of the smart phone, and the bank transaction stop information is generated so that the bank accounts opened under the smart phone user name can be performed through the virtual account. An institution server for transmitting the emergency rescue request information to a bank server; And When detecting the use of the offline banking service including any one of the debit card or the check card linked with the bank account corresponding to the smartphone identification number included in the emergency rescue request information, the bank account corresponding to the smartphone identification number is detected. Emergency call service and on-line banking security system using a smart phone authentication, comprising: a bank server for controlling to perform an offline banking service by switching to a preset virtual bank account. In the emergency call service and online offline security system using smartphone authentication, Sends the emergency rescue request information received through the user's operation to the mobile communication server, and when the Internet banking application is executed, converts the URL for the Internet banking connection into a preset virtual access URL and converts the Internet banking URL page from the virtual Internet banking URL page. Smartphone to control to perform a task; Sending the authentication number generated by receiving the emergency rescue request information to the guardian terminal included in the emergency rescue request information, the position coordinates and emergency rescue of the smartphone received by accessing the GPS satellite after receiving the authentication reply number from the guardian terminal Mobile communication server for transmitting the request information to the institution server; The dispatch information generated for the rescue of the smart phone user is transmitted to the police station or the fire station located in the radius of the location coordinate of the smart phone, and the bank transaction stop information is generated so that the bank accounts opened under the smart phone user name can be performed through the virtual account. An institution server for transmitting the emergency rescue request information to a bank server; And When detecting the use of the Internet banking service corresponding to the smart phone identification number included in the emergency rescue request information, the smart phone converts the URL for the Internet banking access into a preset virtual access URL in the virtual Internet banking URL page Emergency call service and on-line banking security system using a smart phone authentication, comprising a; bank server for controlling to perform the Internet banking service. The method according to claim 1 or 2, The smartphone, An emergency call detection module configured to detect a signal received through an emergency call button of a user and transmit emergency rescue request information generated to include a smartphone identification number and a preset guardian terminal identification number to a mobile communication server connected through an information communication network; And After the emergency rescue request information is authorized, when the pre-installed internet banking application is executed, the Internet banking URL is converted to a preset virtual access URL to control to perform an internet banking task on the virtual internet banking URL page. Emergency call service and on-line banking security system using a smartphone authentication, characterized in that it comprises an application control module. The method according to claim 1 or 2, The mobile communication server, Authentication number generation module for extracting the guardian terminal identification number from the emergency rescue request information received from the smart phone, and converts the random number generated by the random number generator into an SMS form and transmits it to the guardian terminal together with the emergency rescue request information; An authentication number matching module for generating authentication completion information when an authentication reply number received from the guardian terminal and an authentication number authorized from the authentication number generation module 210 correspond to each other; And GPS satellite connection module for receiving the authentication completion information from the authentication number matching module and transmits the position coordinates and emergency rescue request information of the smartphone connected to the GPS satellite to the engine server; Emergency call service and online and offline banking security system. The method of claim 1, The bank server, After receiving emergency rescue request information and bank transaction stop information from the institution server, when receiving a debit card or check card access signal interworking with the bank account corresponding to the smartphone identification number from the ATM provided in the bank, offline A banking service detection module for generating bank transaction detection information; And When the offline banking transaction detection information is authorized from the banking service detection module, the virtual machine switching information for converting the smartphone identification number and the corresponding bank account into a preset virtual bank account is transmitted to the ATM to allow the ATM to be used in the virtual account environment. Emergency call service and on-line banking security system using a smart phone authentication, including; offline banking switching module for controlling to perform an offline banking service. The method of claim 2, The bank server, After receiving the emergency rescue request information and the bank transaction stop information from the institution server, the banking service detection module for generating online bank transaction detection information when detecting the use of the Internet banking service corresponding to the smart phone identification number through the information communication network ; And When the online banking transaction detection information is received from the banking service detection module, the Internet banking URL connected to the smartphone is converted to a preset virtual internet banking URL to control to perform an internet banking service on the virtual internet banking URL page. On-line banking security system and emergency call service using a smartphone authentication, characterized in that it comprises an online banking switching module. The method of claim 2, The bank server, In the case of performing an account transfer operation after generating online banking transaction detection information, the transfer request amount is controlled to be transferred from the amount deposited in the account corresponding to the smartphone identification number to the desired account. As the internet banking service is performed in the virtual account corresponding to the smartphone identification number, the transfer request amount is blocked from being actually transferred to the account to be transferred, and the screen displayed on the smartphone is used to transfer the transfer amount to the account to be transferred. Emergency call service and on-line banking security system using a smartphone authentication, characterized in that the control to be displayed to be transferred. In the emergency call service and online and offline banking security method using smartphone authentication, (a) transmitting, by the smartphone, emergency rescue request information received through a user's operation to a mobile communication server; (b) transmitting, by the carrier server, the authentication number generated by receiving the emergency rescue request information to the guardian terminal included in the emergency rescue request information; (c) the mobile communication server, if the authentication reply number and the authentication number received from the guardian terminal correspond to each other, transmitting the GPS coordinates and the emergency position request information of the connected smart phone to the institution server; (d) The agency server sends outgoing information to the police station or fire station located within the radius of the location coordinates of the smartphone, and creates emergency stop information by creating banking stop information that allows bank accounts opened under the smartphone user's name to be carried out through virtual accounts. Transmitting to the bank server together with the request information; (e) the bank server detecting a banking service corresponding to the smartphone identification number included in the emergency rescue request information, and determining whether the detected banking service is an offline banking service or an online banking service; And (f) If the determination result of step (e) detects the use of the offline banking service, the bank server switches the bank account corresponding to the smartphone identification number into a preset virtual bank account to perform the offline banking service. Emergency call service and on-line banking security method using a smartphone authentication, characterized in that it comprises a. The method of claim 8, (g) As a result of the determination of step (e), when detecting the use of the online banking service, the smartphone converts the URL for the Internet banking access into a preset virtual access URL, thereby enabling the Internet banking service on the virtual internet banking URL page. Control to perform; Emergency call service and on-line banking security method using a smart phone authentication comprising a. The method of claim 8, In step (c), (c-1) generating authentication completion information when the authentication number generated by the mobile communication server and the authentication reply number received from the guardian terminal correspond to each other; And (c-2) the mobile communication server transmitting the position coordinates and the emergency rescue request information of the smartphone received by accessing the GPS satellite according to the generation of authentication completion information to the institution server; Emergency call service and online / offline banking security method using authentication.

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