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System for mobile interactive financial transaction using mobile communication terminal

A mobile communication system and bank server technology, applied in wireless communication, network data management, electrical components, etc., can solve the problems of increasing the load of the communication network, increasing the cost of calling users or customers, etc.

Inactive Publication Date: 2006-07-26
LG电信株式会社
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, there is a problem in that the cost of calling the user or customer is increased, and the load on the communication network is increased.

Method used

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  • System for mobile interactive financial transaction using mobile communication terminal
  • System for mobile interactive financial transaction using mobile communication terminal
  • System for mobile interactive financial transaction using mobile communication terminal

Examples

Experimental program
Comparison scheme
Effect test

no. 1 example

[0050] image 3 is a flowchart showing the mobile account inquiry service according to the first embodiment of the present invention, in which the process of providing the mobile account inquiry service through the interaction between the IC card chip 11 and the mobile communication system 10 and the bank server 40 is exemplified.

[0051] see image 3 , in order to use the mobile account inquiry service according to the first embodiment, by such as Figure 4 The M / B (Mobile Banking) dedicated key or menu option installed on the mobile communication system 10 is shown to select the electronic bank passbook service (S301). Among the options of electronic bank passbook service, select any one, that is, account inquiry service (S302).

[0052] When account inquiry service is selected from options of electronic bank passbook service, bank application or account inquiry application 12 activates an input screen of PIN information in a display window of mobile communication system ...

no. 2 example

[0065] Figure 5 is a flow chart showing the mobile money transfer / remittance service according to the second embodiment of the present invention, in which the process of processing the mobile money transfer / remittance service through the interaction between the IC card chip 11 and the mobile communication system 10 and the bank server 40 is illustrated.

[0066] see Figure 5 , in order to obtain mobile money transfer / remittance service, through such as Image 6 The M / B (mobile bank) dedicated key or menu option provided to the mobile communication system 10 is provided to select the electronic bank passbook service S501. Among the options of electronic bank passbook service, select any one, that is, transfer / remittance service S502.

[0067] Thus, the transfer / remittance application (or mobile banking application) 12 outputs the input screen and PIN information into the display window of the mobile communication system 10 . Then, after the user inputs the PIN information,...

no. 3 example

[0084] Figure 7 It is a flow chart showing the process of mobile loan overview and loan interest inquiry according to the third embodiment of the present invention.

[0085] Figure 7 The process of inquiring about the overview of the user's loan account and loan interest through the interaction between the IC card chip 11 and the mobile communication system 10 and the bank server 40 is exemplified.

[0086] see Figure 7 , select the electronic bank passbook service S701 through the M / B (mobile bank) dedicated key or menu option provided to the mobile communication system 10 . In the options of electronic bank passbook service, choose any one, that is, inquiry / payment service.

[0087] Thereby, loan / payment application (or bank application) 12 outputs the input information of PIN information to the display window of mobile communication system 10, visits IC card chip 11, reads out the PIN information stored in IC card chip 11, compares by the user The input PIN informati...

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PUM

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Abstract

PURPOSE: A mobile transfer / remittance system using a mobile communication terminal and a method therefor are provided to maximize users' convenience and minimize a network load of a communication network by installing a detachable IC card chip in a mobile phone and using a mobile transfer / remittance application. CONSTITUTION: A user selects an electronic bankbook service through a mobile communication terminal and selects a transfer / remittance service item. When the user inputs a PIN(Personal Identification Number) information, the transfer / remittance application authenticates access to stored data of an IC card chip. The transfer / remittance application outputs a banking account list and the user selects an account for drawing money. The transfer / remittance application displays a screen for inputting an account for receiving money so as to receive the number of account for receiving money and bank information. The transfer / remittance application receives password and transfer amount information. When the user requests transfer / remittance, the transfer / remittance application constructs a data transmission line. The transfer / remittance creates a transfer preliminary transaction request message and requests a transfer preliminary transaction from a banking server of a bank of the account for drawing money. When the user inputs a security card password, the transfer / remittance application creates a transfer real transaction messages to request a transfer real transaction from the banking server. The banking server performs an authentication according to the security card, processes a corresponding transfer transaction, and displays a processing result on a display window of the mobile communication terminal.

Description

technical field [0001] The present invention relates to a method for providing banking services by using a mobile communication system, more particularly, wherein said mobile communication system is provided with a removable integrated circuit (IC) card chip, in said IC card chip Stores personal identification number (PIN) information and financial account information, etc., and uses banking applications for financial transactions driven on a Java virtual machine, and mobile banking such as mobile account inquiries, transfers / remittances, loans / payments, etc. , thereby maximizing the convenience of the user for mobile banking, and at the same time minimizing the network load of the communication network and enhancing the security of data and financial information. Background technique [0002] Currently, as mobile communication systems become more powerful in performance along with communication networks, various mobile banking services are provided by using mobile communica...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04Q7/24H04W8/18H04W88/18
Inventor 南德营金炯锡金峻亨朴熙真
Owner LG电信株式会社
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