Method for providing banking services by use of mobile communication system

• US 20040267664A1
• Filed: 06/22/2004
• Published: 12/30/2004
• Est. Priority Date: 06/24/2003
• Status: Active Grant

• Current Assignee: LG Telecom Incorporated (LG Corporation)
• Original Assignee: LG Telecom Incorporated (LG Corporation)
• Inventors: Kim, Jun-Hyung, Nam, Deok-Young, Kim, Hyung-Seok, Park, Hee-Jin
• Granted Patent: US 7,374,079 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A method of providing banking services by use of a mobile communication system having a removable built-in integrated circuit (IC) card chip in which personal identification number (PIN) information and related information on financial accounts of a user are stored. The method includes selecting an electronic bankbook service and selecting any one from financial transactions for the electronic bankbook service and comparing the PIN information input at the mobile communication system with the PIN information stored in the IC card chip, and authenticating access to data stored in the IC card chip on the mobile communication system. The method further includes displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system and forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system, and transmitting the financial transaction request message to the banking server. The method further includes performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server, and transmitting a financial transaction response message to the mobile communication system and displaying the resulting transaction history in the display window of the mobile communication system.

Claims

1. A method of providing banking services by use of a mobile communication system, in which financial transactions are performed with a banking server of at least one financial institution using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user, the method comprising:

selecting an electronic bankbook service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system, and selecting any one from financial transactions for the electronic bankbook service;

comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip, and authenticating access to data stored in the IC card chip on the mobile communication system;

a financial information display step of, when a login is completed to the IC card chip through the PIN authentication step, displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system;

forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system, and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system;

performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server, and transmitting a financial transaction response message to the mobile communication system; and

receiving the financial transaction response message transmitted from the banking server, and displaying the resulting transaction history in the display window of the mobile communication system.

2. The method set forth in claim 1, further comprising:

updating information on at least one of a new account which is newly opened at a bank institution and an old account which is corrected/closed with respect to the IC card chip of the mobile communication system using a wireless communication network; and

freely correcting/modifying the PIN information of the IC card chip which is removably built in the mobile communication system by means of the user,

wherein the mobile communication system and the banking server use any one of encryption solutions including E2E (end to end) and WPKI (wireless public key infrastructure) for security of data and financial information under a mobile environment.

3. The method set forth in claim 1, wherein the mobile communication system is any one of a mobile phone, a smart phone and a personal digital assistant (PDA), and wherein the forming includes forming the financial transaction request message using account numbers of each financial account of the user, financial institution codes corresponding to the financial accounts, kinds of the financial accounts and customer information.

4. The method set forth in claim 1, further comprising checking the related information of the selected financial account through the banking application at the IC card chip, transmitting an account inquiry request message to the corresponding banking server, and displaying a response message of the transaction history transmitted from the banking server when the financial transaction selected through the mobile communication system is a financial account inquiry transaction.

5. The method set forth in claim 3, further comprising checking the related information of the selected financial account through the banking application at the IC card chip, transmitting an account inquiry request message to the corresponding banking server, and displaying a response message of the transaction history transmitted from the banking server when the financial transaction selected through the mobile communication system is a financial account inquiry transaction.

6. The method set forth in claim 1, further comprising:

inputting a password and a transfer amount of a withdrawal account among the financial accounts, an account number of a deposit account of the financial accounts, and information of the corresponding financial institution when the financial transaction selected through the mobile communication system is a transfer/remittance transaction;

requesting a reserved transfer transaction from the corresponding banking server based on information of the deposit/withdrawal accounts and the transfer amounts;

generating a security card number consisting of at least one random number from the banking server in response to the reserved transfer transaction, transmitting the generated security card number to the mobile communication system, inputting the security card number into the mobile communication system again, and transmitting the input security card number to the banking server; and

transmitting the security card number to the banking server to request a main transfer transaction with respect to the corresponding deposit/withdrawal accounts, and receiving a result of processing the main transfer transaction from the banking server to display the processed result in the display window of the mobile communication system.

7. The method set forth in claim 6, further comprising registering the target account after the financial transaction as a favorite account.

8. The method set forth in claim 7, wherein inputting includes any one of directly inputting the account number of the deposit account and the corresponding financial institution information through the mobile communication system and a step of selectively inputting the deposit account by a search of a “

favorite deposit account”

through the banking application.

9. The method set forth in claim 3, further comprising:

inputting a password and a transfer amount of a withdrawal account among the financial accounts, an account number of a deposit account of the financial accounts, and information of the corresponding financial institution when the financial transaction selected through the mobile communication system is a transfer/remittance transaction;

requesting a reserved transfer transaction from the corresponding banking server based on information of the deposit/withdrawal accounts and the transfer amounts;

generating a security card number consisting of at least one random number from the banking server in response to the reserved transfer transaction, transmitting the generated security card number to the mobile communication system, inputting the security card number into the mobile communication system again, and transmitting the input security card number to the banking server;

transmitting the security card number to the banking server to request a main transfer transaction with respect to the corresponding deposit/withdrawal accounts, and receiving a result of processing the main transfer transaction to display the processed result in the display window of the mobile communication system; and

registering the target account after the financial transaction as a favorite account.

10. The method set forth in claim 9, further comprising registering the target deposit account after the financial transaction as a favorite deposit account.

11. The method set forth in claim 10, wherein the inputting includes any one of a step of directly inputting the account number of the deposit account and the corresponding financial institution information through the mobile communication system, and a step of selectively inputting the deposit account by a search of the “

favorite deposit account”

through the banking application.

12. The method set forth in claim 1, when the financial transaction selected through the mobile communication system is a loan inquiry/loan interest payment, further comprising:

extracting a list of loan accounts stored in the IC card chip, displaying the list of loan accounts in the display window of the mobile communication system, and checking related information of the corresponding loan account selected from the list of loan accounts;

accessing the corresponding banking server based on the related information of the corresponding loan to request information on a transaction history of the corresponding loan account, receiving a response message to the request, and outputting the response message to the display window of the mobile communication system;

extracting and displaying a list of general financial accounts stored in the IC card chip, selecting a withdrawal account for money withdrawal from the list of general financial accounts, and inputting a password of the withdrawal account;

transmitting the related information of the selected loan and withdrawal accounts to the corresponding banking server, requesting a reserved payment transaction, receiving a response message from the corresponding banking server, and outputting the response message; and

processing step of processing a main transaction following the reserved payment transaction in cooperation with the corresponding banking server in response to the request of the main transaction by the user after the reserved payment transaction is normally done.

13. The method set forth in claim 3, when the financial transaction selected through the mobile communication system is a loan inquiry/loan interest payment transaction, further comprising:

extracting a list of loan accounts stored in the IC card chip, displaying the list of loan accounts in the display window of the mobile communication system, and checking related information of the corresponding loan account selected from the list of loan accounts;

accessing the corresponding banking server based on the related information of the corresponding loan to request information on a transaction history of the corresponding loan account, receiving a response message to the request, and outputting the response message to the display window of the mobile communication system;

extracting and displaying a list of general financial accounts stored in the IC card chip, selecting a withdrawal account for money withdrawal from the list of general financial accounts, and inputting a password of the withdrawal account;

transmitting the related information of the selected loan and withdrawal accounts to the corresponding banking server, requesting a reserved payment transaction, receiving a response message from the corresponding banking server, and outputting the response message; and

processing step of processing a main transaction following the reserved payment transaction in cooperation with the corresponding banking server in response to the request of the main transaction by the user after the reserved payment transaction is normally done.

14. The method set forth in claim 12, further comprising:

requesting loan interest information of the loan account from the banking server according to the request of the user, receiving the response message, and outputting the response message to the display window of the mobile communication system.

15. The method set forth in claim 13, further comprising:

requesting loan interest information of the loan account from the banking server according to the request of the user, receiving the response message, and outputting the response message to the display window of the mobile communication system.

16. The method set forth in claim 1, wherein the financial transactions are at least one of financial account inquiry, transfer and remittance, and loan and loan interest payment