(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2004/0267665 A1
`(43) Pub. Date:
`Dec. 30, 2004
`Nam et al.
`
`US 2004O267665A1
`
`(54) SYSTEM FOR PROVIDING BANKING
`SERVICES BY USE OF MOBILE
`COMMUNICATION
`(75) Inventors: Deok-Young Nam, Seoul (KR);
`Hyung-Seok Kim, Gyunggi-do (KR);
`Jun-Hyung Kim, Kyeongki-do (KR);
`Hee-Jin Park, Seoul (KR)
`Correspondence Address:
`ATTY
`GREENBLUM & BERNSTEIN, P.L.C.
`1950 Roland Clarke Place
`Reston, VA 20191 (US)
`(73) Assignee: LG TeleCom, Ltd., Seoul (KR)
`(21) Appl. No.:
`10/872,448
`(22) Filed:
`Jun. 22, 2004
`(30)
`Foreign Application Priority Data
`
`Jun. 24, 2003 (KR)............................ 10-2003-0041140
`Jun. 24, 2003 (KR)............................ 10-2003-0041141
`Jun. 24, 2003 (KR)............................ 10-2003-0041142
`Jun. 24, 2003 (KR)............................ 10-2003-0041143
`Jun. 24, 2003 (KR)............................ 10-2003-0041144
`
`Publication Classification
`
`(51) Int. Cl. .................................................. G06F 17/60
`
`(52) U.S. Cl. ................................................................ 705/41
`(57)
`ABSTRACT
`A System for providing banking Services by use of a mobile
`communication System, in which a variety of financial
`transactions including inquiry of at least one financial
`account of at least one financial institution, transfer and
`remittance, and loan and its interest payment are processed
`by the mobile communication System. The System includes:
`the mobile communication System, provided with an inte
`grated circuit (IC) card and a memory device to which a
`banking application is installed, for transmitting and receiv
`ing data by wireless, the IC card being Stored with infor
`mation on a personal identification number (PIN) and infor
`mation related to financial accounts including a loan
`account. The banking application processing the financial
`transactions including the financial account inquiry, the
`transfer and remittance, and the loan and its interest payment
`by mobile banking; a base station transceiver system (BTS)
`for executing a wireleSS interface with the mobile commu
`nication system and a base station controller (BSC) for
`performing call processing and for providing a core network
`interface with the BTS. A packet data Switching network
`(PDSN) for providing a packet data transfer service using a
`transmission control protocol/Internet protocol (TCP/IP);
`and at least one banking Server for, when being requested to
`process the financial transactions including the financial
`transactions including the financial account inquiry, the
`transfer and remittance, and the loan and its interest payment
`by the banking application of the mobile communication
`System.
`
`Banking server
`
`Mobile phone
`(IC card & WM)
`
`Select electro inc
`bankbook
`Account inquiry
`opt inon
`
`S30
`
`
`
`
`
`
`
`PIN authentication
`
`Extract/
`dispally an account list
`
`Select Withdrawal
`aCCOunt
`
`S305
`
`COrrect
`request ACCount inquiry request
`response. Account inquiry request
`disconnect
`V
`
`S307
`
`
`
`Output tansaction
`history
`
`S308
`
`PNC 1113
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 1 of 7
`
`US 2004/0267665 A1
`
`Fig. 1
`
`s
`Banking server 1
`
`40
`
`Banking server 2
`
`
`
`Banking server n
`
`10
`
`
`
`
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 2 of 7
`
`US 2004/0267665 A1
`
`Fig. 3
`
`Mobile phone
`(IC card & VM)
`
`
`
`s
`Banking server
`
`Select electro inc
`bankbook
`
`S30
`
`ACCount inquiry
`optinon -
`
`
`
`
`
`
`
`
`
`
`
`O
`Extract/
`dispally an account list
`
`S305
`
`COnnect
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 3 of 7
`
`US 2004/0267665 A1
`
`Fig. 4
`
`Dedicated
`Key
`
`
`
`ne
`saiki.g.
`
`403
`
`404
`
`405
`
`406
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 4 of 7
`
`US 2004/0267665 A1
`
`Fig. 5
`
`S501
`
`S502
`
`Mobile phone
`(IC card & VM)
`
`Select electronic
`bankbook
`
`Select transfer/
`remittance option
`S503 PIN----
`
`Banking server
`
`S503
`
`N
`PIN authentication S504
`
`SExtract account list
`
`S505
`
`Select Withdrawal
`aCCOunt
`
`S506
`
`Search/
`Input deposit accoun
`
`S507
`
`
`
`input passWord and
`transfer amount Of
`Withdrawal account
`
`S508
`
`Request: Reserved
`transfer transcation request
`
`Response: Reserved transfer
`transaction result response
`Request Main transfer
`transaction request
`Request Security card
`input number
`Request: Security card input
`and approval request
`Respones: Main transfer
`transaction approval response
`
`S509
`
`S510
`
`SS11
`
`SS12
`
`S513
`
`S514
`
`Display transfer
`result
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 5 of 7
`
`US 2004/0267665 A1
`
`Fig. 6
`
`
`
`Wiscittg
`Banking
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 6 of 7
`
`US 2004/0267665 A1
`
`Fig. 7
`
`Mobile phone
`(IC card & WM)
`
`Banking server
`
`Select electronic bankbook
`Select loan Option
`
`S702 PN----
`
`
`
`
`
`
`
`PIN authentication
`S703
`
`loan acCOUnt
`
`list
`S704
`
`Select
`
`loan account of
`inquiry
`
`
`
`
`
`
`
`
`
`
`
`COnnect
`Request Loan transaction history
`inquiry repuest
`Response:Loan transaction history
`Inquiry response
`disCOnnect
`
`S706
`
`S707
`
`S708
`
`S709
`
`
`
`
`
`Output loan Over View
`
`Select loan interest
`option
`
`S711
`
`COnnect
`Reduest Loan interest i
`request
`C
`1nquiry
`ReSDOnse:Loan interest i
`O
`response
`Inquiry
`disCOnnect
`
`
`
`
`
`S712
`
`S713
`
`S714
`
`S715
`
`
`
`Output result of loan
`interest inquiry
`
`

`

`Patent Application Publication Dec. 30, 2004 Sheet 7 of 7
`
`US 2004/0267665 A1
`
`Fig. 8
`
`Mobile phone
`(IC card & VM)
`
`Banking Server
`
`Select electronic bankbook
`Select loan option
`
`PIN authentication
`
`
`
`
`
`Extract/
`display loan account list
`
`Select account for induiry
`
`COnnect
`Request: Loan transaction history
`inquiry request
`Response: loan transaction history
`Inquiry response
`disCOnnect
`
`Select payment option
`S
`
`Extract/display
`Withdrawal account
`
`list
`
`
`
`Select Withdrawal acCount
`and input its passWord
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Payment
`- - - a
`COn firmat iOn
`
`
`
`
`
`
`
`
`
`COnnect
`Request: Reserved pan interest
`payment transaction request
`Response: Reserved loan interest
`payment transact iOn respOnSe
`
`Request:Main loan interest
`payment transaction request
`Response: Main loan interest
`payment transaction response
`disCOnnect
`
`

`

`US 2004/0267665 A1
`
`Dec. 30, 2004
`
`SYSTEM FOR PROVIDING BANKING SERVICES
`BY USE OF MOBILE COMMUNICATION
`
`BACKGROUND OF THE INVENTION
`0001) 1. Field of the Invention
`0002 The present invention relates to a system for pro
`Viding banking Services by use of a mobile communication
`System, more particularly, in which the mobile communica
`tion System is provided with a removable integrated circuit
`(IC) card chip in which personal identification number (PIN)
`information, financial account information, etc. are Stored,
`and a banking application for financial transactions which is
`driven on a Java Virtual Machine and mobile banking such
`as mobile account inquiry, transfer/remittance, loan/pay
`ment and So forth are used, thereby maximizing convenience
`of a user with regard to the mobile banking, and Simulta
`neously minimizing network loads of a communication
`network and reinforcing Security against data and financial
`information.
`0003 2. Description of the Related Art
`0004 Currently, as mobile communication systems
`become enhanced in their performance together with com
`munication networks, there are provided a variety of mobile
`banking Services by use of the mobile communication
`Systems. Such as mobile phones, personal digital assistants
`(PDAs) or so forth. In particular, such mobile banking
`Services make it possible for any customer to conveniently
`use banking Services, Such as account inquiry, transfer/
`remittance and payment, and inquiry and payment of a loan,
`anytime and anywhere without directly visiting their corre
`spondent banks.
`0005 Generally, conventional mobile banking services,
`for example a mobile account inquiry, mobile transfer/
`remittance, and mobile loan Overview inquiry/loan interest
`payment have employed a wireleSS Internet System on the
`basis of WAP (wireless application protocol). Specifically,
`the conventional mobile banking Services allow any Internet
`banking user to activate a WAP browser of a terminal (e.g.
`personal computer), to have access to a URL (uniform
`resource locator) of the corresponding banking server, to
`input his/her own ID (identification) and password for
`authentication, and after authentication, to banking Services
`Such as account inquiry, transfer/remittance, and inquiry of
`a loan account overview and payment of its interest and So
`O.
`0006 These conventional mobile banking services
`merely change Internet banking Services over a wired Inter
`net into that over the wireless Internet based on the WAP.
`Because the mobile communication Systems fail to provide
`a large Size Screen, easy input procedure and Storage capa
`bility like the personal computer, there is much inconve
`nience in use.
`0007 Further, whenever using his/her desired banking
`Service, the customer must input various kinds of informa
`tion, Such as ID, password, account number and So forth,
`through the mobile communication System. Thus, the cus
`tomer has trouble to use the banking Service. Further,
`because of weak Security of the mobile communication
`System, it is next to impossible to Store data related to
`personal information in the memory of the mobile commu
`nication System and to use the data.
`
`0008. In addition, once the mobile communication sys
`tem has access to the banking Server, a Series of processes,
`for example inputting the account number, performing cus
`tomer authentication, inquiring of a transaction history,
`inquiring of the loan account overview, paying interest on a
`loan and So forth, are performed during the Session. Hence,
`there are problems in that the user or customer is weighted
`with the charge for a phone call etc., and that loads of the
`communication network is weighted.
`
`SUMMARY OF THE INVENTION
`0009. To solve the above-indicated problems, it is, there
`fore, an aspect of the present invention to provide a method
`for providing banking Services by use of a mobile commu
`nication System, capable of, during using mobile banking
`Such as a mobile account inquiry Service, a mobile transfer/
`remittance Service, a mobile loan Overview inquiry and loan
`interest payment Service and So forth, Simplifying compli
`cated inputting of a user.
`0010. It is another aspect of the present invention to
`provide a System for providing banking Services by use of a
`mobile communication System, capable of, during using
`mobile banking Services, reducing an access time between a
`mobile communication System and a banking Server and
`minimizing network loads of a communication network
`0011. It is yet another aspect of the present invention to
`provide a System for providing banking Services by use of a
`mobile communication System, capable of, during using
`mobile banking Services, reinforcing Security against data
`and financial information.
`0012 To achieve these above-noted aspects, according
`the present invention, there is provide a System for providing
`banking Services by use of a mobile communication System,
`in which a variety of financial transactions of at least one
`financial account of at least one financial institution are
`processed by the mobile communication System, the System
`comprising: the mobile communication System, provided
`with an integrated circuit (IC) card and a memory device to
`which a banking application is installed, for transmitting and
`receiving data by wireless, the IC card being Stored with
`information on a personal identification number (PIN) and
`information related to financial accounts, the banking appli
`cation processing the financial transactions by mobile bank
`ing; a base Station transceiver System (BTS) for executing a
`wireleSS interface with the mobile communication System
`and a base station controller (BSC) for performing call
`processing and for providing a core network interface with
`the BTS; a packet data switching network (PDSN) for
`providing a packet data transfer Service using a transmission
`control protocol/Internet protocol (TCP/IP); and at least one
`banking Server for, when being requested to process the
`financial transactions by the banking application of the
`mobile communication System, providing information pro
`cessing the request and information on a response to the
`request, wherein, when a key Signal related to the financial
`transactions is inputted in the mobile communication Sys
`tem, the banking application installed to the mobile com
`munication system is executed, the PIN information for
`completing a login to the IC card is inputted, authentication
`is performed in the mobile communication System, a list of
`the financial accounts Stored in the IC card is extracted and
`displayed in a display window of the mobile communication
`
`

`

`US 2004/0267665 A1
`
`Dec. 30, 2004
`
`System, any one of financial accounts is Selected from the list
`of the financial accounts, a request message of the financial
`transactions is formed using various kinds of information on
`the Selected financial account and transmitted to the banking
`Server, the banking Server processes the financial transac
`tions in response to the financial transaction request message
`and transmits a result of processing the financial transactions
`to the mobile communication System, and the result of
`processing the financial transactions is displayed through the
`display window of the mobile communication System.
`0013 Further, the mobile communication system is pro
`Vided with a dedicated key for performing only the financial
`transactions. Preferably, the mobile communication System
`is any one of a mobile phone, a Smartphone and a personal
`digital assistant (PDA) which have a communication func
`tion. A hierarchical structure of software (S/W) built in the
`mobile communication System has an IC card driver for
`managing data of the IC card and System S/W for managing
`basic functions of the mobile communication System, which
`are established as a lower Structure, and the banking appli
`cation and an IC card application programming interface (IC
`card API), which are established as an upper structure, and
`a Java virtual machine (Java VM) as an intermediate code
`for executing the banking application between the lower and
`upper Structures.
`0.014
`Further, the IC card is removable and attachable
`from/to the mobile communication System, and performs
`any one of modification of the information related to the
`financial accounts Stored in the IC card, and addition of new
`information on the financial accounts, after permitting the
`login through authentication of the PIN information.
`0.015
`Preferably, the IC card stores the financial account
`information including an account number and password, a
`corresponding financial institution code, a kind of the
`account, and customer information with regard to each
`financial account of a user, and also has a function for
`resetting the financial account information So as to allow the
`financial account information Stored in the IC card and that
`managed by the banking Server to be matched with each
`other.
`0016. Meanwhile, the PIN information stored in the IC
`card is inputted by providing a short message Service to the
`mobile communication system of the user with which the IC
`card is equipped, and by manipulating the IC card.
`0017 And, the mobile communication system and the
`banking Server make use of any one of encryption Solutions
`including E2E (end to end) and WPKI (wireless public key
`infrastructure) for Security of data and financial information.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`0.018. The above aspects, features and advantages of the
`present invention will become more apparent from the
`following detailed description when taken in conjunction
`with the accompanying drawings, in which:
`0.019
`FIG. 1 illustrates a schematic configuration of a
`System for providing banking Services by use of a mobile
`communication System according to the present invention;
`0020 FIG. 2 illustrates a hierarchical structure, or con
`figuration, of software (S/W) of a mobile communication
`System according to the present invention;
`
`FIG. 3 is a flow diagram showing a financial
`0021
`account inquiry Service according to a first embodiment of
`the present invention;
`0022 FIG. 4 illustrates a user interface according to a
`financial account inquiry Service of the present invention;
`0023 FIG. 5 is a flow diagram showing a mobile trans
`fer/remittance process according to a Second embodiment of
`the present invention;
`0024 FIG. 6 illustrates user interface screens according
`to a mobile transfer/remittance Service of the present inven
`tion;
`0025 FIG. 7 is a flow diagram showing a mobile loan
`Overview and loan interest inquiry process according to a
`third embodiment of the present invention; and
`0026 FIG. 8 is a flow diagram showing a loan interest
`payment process after a mobile loan Overview inquiry
`according to a third embodiment of the present invention.
`
`DETAILED DESCRIPTION OF THE
`PREFERRED EMBODIMENT
`0027) A preferred embodiment of the present invention
`will be described below in detail with reference to the
`accompanying drawings.
`0028 FIG. 1 illustrates a schematic configuration of a
`mobile banking System according to the present invention.
`0029 Referring to FIG. 1, a mobile banking system of
`the present invention is generally composed of a mobile
`communication System 10 of a user or customer, a base
`station transceiver system (BTS)/base station controller
`(BSC) 20-for supporting wireless communication of the
`mobile communication System 10, a packet data Switching
`network (PDSN)30, and banking servers 40 installed at each
`financial institution.
`0030) The PDSN 30 provides a packet data transfer
`service using a PPP (point-to-point protocol) and a TCP/IP
`(transmission control protocol/Internet protocol) between a
`RAN (Radio Access Network) and a DCN (Data Core
`Network), wherein the RAN is composed of the BTS which
`performs a wireleSS interface with the mobile communica
`tion system 10, the BSC 20 which perform call processing
`and provides a core network interface with the BTS, and so
`forth. The banking Services of the present invention are
`provided on the basis of the TCP/IP.
`0031
`Each banking server 40 is provided equipment for
`each financial institution So as to interact with the mobile
`System including the mobile communication System 10, the
`BTS/BSC 20 and the PDSN30. Further, the banking server
`40 receives various request messages, Such as an account
`inquiry request message, a request message related to trans
`fer/remittance, a request message related to loan overview
`inquiry/loan interest payment, etc., which are transmitted
`from the mobile communication system 10 through the
`PDSN 30, performs a predetermined customer authentica
`tion process, processes the received messages in interaction
`with its host Server, and transmits the processed results and
`their related data to the mobile communication system 10
`through the PDSN30 and the BTS/BSC 20.
`0032. In this manner, the mobile communication system
`10 and the banking Server 40 has access to each other using
`
`

`

`US 2004/0267665 A1
`
`Dec. 30, 2004
`
`the TCP/IP Various kinds of data or information are trans
`mitted and received between the mobile communication
`system 10 and the banking server 40 by means of wireless
`TCP/IP communication using a wireless data network.
`0.033 Meanwhile, the mobile communication system 10
`includes a mobile or cellular phone, a Smart phone, a
`personal digital assistant (PDA) and So on, each of which is
`provided with all hardware for wireleSS data communica
`tion. The mobile communication system 10 is equipped with
`a removable IC card 11 and a memory device mounting all
`software (S/W) for mobile banking services such as account
`inquiry, transfer/remittance, loan overview inquiry and loan
`interest payment, and So on.
`0034. The IC card 11 can be removed from and mounted
`to the mobile communication system 10 and has various
`kinds of Stored information, Such as personal identification
`number (PIN) information, financial account information of
`the user or other perSons, customer information and So on.
`The user can have access to the stored information by PIN
`authentication, wherein the PIN authentication is performed
`by inputting information on a password of the IC card 11,
`namely the PIN information, and by checking whether the
`inputted PIN information is matched with stored PIN infor
`mation or not. Further, various kinds of information related
`to each financial account and each loan account, for example
`the account number and password, the code of the corre
`sponding financial institution, the kind of the account (e.g.,
`an ordinary deposit account, a Savings account, an install
`ment Savings deposit account, a loan account for housing
`etc.) and so forth, are matched and stored in the IC card 11.
`0035) The stored information of the IC card 11 is set
`when the IC card 11 is issued at a financial institution
`window Such as a bank window. The user can complete a
`login to the IC card 11 through the PIN authentication which
`is allowed to check whether the PIN information stored in
`the IC card 11 is matched with that inputted through the
`mobile communication System 10 or not, and then is capable
`of modifying and adding the financial account information
`(the account number, the password, etc.) through the mobile
`communication System 10.
`0.036
`Further, the IC card 11 has a function for resetting
`the account information So as to allow the account informa
`tion stored in the IC card 11 and that managed by the
`banking server 40 to be matched with each other. Preferably,
`this resetting of the account information is done by a reset
`key button provided on the mobile communication System
`10.
`0037. In addition, when the user applies for the IC card
`11 through a postal Service without Visiting the financial
`institution window in perSon, the financial institution sends
`the IC card 11 to the user in a State incapable of Setting the
`PIN information. At the point of time when the user informs
`the financial institution that he/her has received the IC card
`11, the financial institution sends a short message Service
`(SMS) message to the user's mobile communication System
`10 with which the IC card 11 is equipped, and then the user
`manipulates the IC card 11 in a State capable of Setting the
`PIN information. Thereby, it is possible to previously pre
`vent misuse of the IC card 11, which is responsible for loss
`or theft of the IC card 11 while the IC card 11 is sent. Thus,
`the user is able to have the IC card issued without directly
`Visiting the financial institution. In other words, a short
`
`message of the SMS includes a control message for Setting
`the PIN information, and is forwarded to the mobile com
`munication System 10. The control message, which is for
`warded to the mobile communication System 10, invokes an
`IC card API (application programming interface) which is
`built in the mobile communication system 10 (see FIG. 2).
`Then, Java Virtual Machine (Java VM) transmits data of the
`IC card API to an IC card driver through system S/W
`together with the control message. Next, the control message
`is manipulated at the IC card 11, thus making it possible to
`set the PIN information.
`0038. Further, in the IC card 11, some of financial
`accounts of the user himself/herself or any other person can
`be registered and managed by Selection of the user as
`“favorite deposit accounts together with information on
`their depositors in order to facilitate transferring/remitting
`money.
`0039 The IC card 11 not only permits access to its stored
`information only through the PIN authentication, but it can
`be also attached and used to the mobile communication
`System 10 if necessary, and can be separately kept if not
`used. Thus, it is possible not only to provide convenience of
`the user when the user inputs information related to the
`financial accounts but also to ensure Security of the inputted
`information.
`0040 Moreover, the mobile communication system 10
`and the banking Server 40 may fundamentally make use of
`an encryption solution such as E2E (end to end), WPKI
`(wireless public key infrastructure) etc. for Security of data
`and financial information under the mobile environment.
`0041
`FIG. 2 illustrates a hierarchical structure, or a
`configuration, of software (SiW) mounted on a memory
`device of the mobile communication system 10.
`0042 Referring to FIG. 2, a configuration of software
`(S/W) mounted on a memory device of the mobile commu
`nication system 10 has an IC card driver 16 and system S/W
`15, which are established as a lower structure, a Java VM
`(MIDP & MMDP) 14, and a banking application 12 and an
`IC card API 13, which are established as an upper structure,
`wherein the IC card driver 16 is for managing data of the IC
`card 11, and the system S/W 15 is for managing basic
`functions of the mobile communication system 10.
`0043. The banking application 12 is a process S/W pro
`gram for executing mobile banking transactions Such as
`account inquiry, transfer/remittance of funds, loan/paym
`nent, and So forth.
`0044) The Java VM 14 is an intermediate code defined so
`as to allow the (mobile) banking application 12 to be
`executed by a virtual machine regardless of an operation
`system (O/S) or a platform.
`004.5 The banking application 12, as an S/W program
`having a Series of processes for the mobile account inquiry,
`receives data and Selection instructions through the mobile
`communication System 10 or outputs a result of the account
`inquiry etc., and transmits/receives data to/from the IC card
`11 and the banking server 40.
`0046) The banking application 12 and the IC card API 13
`can perform upgrading independently of the lower Structure
`by use of the functions of the Java VM 14, and can perform
`both downloading and upgrading of S/W through a wireleSS
`network.
`
`

`

`US 2004/0267665 A1
`
`Dec. 30, 2004
`
`0047. Meanwhile, a brief description will be made below
`regarding a process of having access to the IC card 11 at the
`banking application 12.
`0.048. In the present invention, in order to read out the
`PIN information and financial account information stored in
`the IC card 11, the IC card API 13 is invoked at the banking
`application 12, and the Java VM 14 transmits the read
`instructions of the corresponding information to the IC card
`driver 16 though the system S/W 15 on the basis of the data
`of the IC card API 13. Thereby, the IC card driver 16 drives
`the IC card 11 to read out the corresponding information.
`0049 Furthermore, the banking application 12 processes
`the information which is read out from the IC card 11,
`displays it in a display window of the mobile communica
`tion system 10, and requests the banking server 40 to
`transmit information caused by the mobile banking Services
`Such as the mobile account inquiry, the mobile transfer/
`remittance of funds, and the mobile loan account inquiry and
`loan interest payment.
`0050 Hereinafter, each embodiment of the present inven
`tion will be described with reference to the drawings,
`wherein each embodiment relates to the mobile banking
`Services Such as the account inquiry, the transfer/remittance,
`the loan account inquiry and payment of the loan interest and
`So forth.
`0051). In each embodiment that will be set forth below,
`the banking application 12 has different terms according to
`each banking Service. For example, the banking application
`12 may be classified into an account inquiry application, a
`transfer/remittance application and a loan/payment applica
`tion, which are all given the same reference number.
`0.052
`First Embodiment
`0.053
`FIG. 3 is a flow diagram showing a mobile account
`inquiry Service according to a first embodiment of the
`present invention, in which a process of providing the
`mobile account inquiry Service by interaction between the
`IC card 11 and the mobile communication system 10 and the
`banking server 40 is illustrated.
`0054) Referring to FIG. 3, in order to use the mobile
`account inquiry Service according to the first embodiment,
`an electronic bankbook Service is Selected through an mobile
`banking (M/B) dedicated key or a menu item that is installed
`on the mobile communication system 10 as illustrated in
`FIG. 4 (S301). Then, among the options of the electronic
`bankbook Service, any one, namely an account inquiry
`service is selected (S302).
`0.055 When the account inquiry service is selected from
`the options of the electronic bankbook Service, the banking
`application or account inquiry application 12 activates an
`input screen of the PIN information in the display window
`of the mobile communication System 10 in response to an
`input signal of the key. Then, when the PIN information is
`inputted by a user, the account inquiry application 12 has
`access to the IC card 11, reads out the PIN information
`which has been stored in the IC card 11, and performs PIN
`authentication by a comparison of the inputted PIN infor
`mation with the read-out PIN information (S303).
`0056. When the password of the IC card 11, i.e., the PIN
`information, inputted through the mobile communication
`system 10 is matched with the PIN information stored in the
`
`IC card and then a login is completed to the IC card 11, the
`account inquiry application 12 outputs financial accounts of
`the user stored in the IC card 11 to the display window of the
`mobile communication system 10. Thereby, the user checks
`the kinds of financial accounts and has a list of all general
`financial accounts outputted to the display window, exclud
`ing loan accounts (S304).
`0057 Then, the user selects one financial account
`intended for inquiry from the financial account list outputted
`to the display window of the mobile communication System
`10 and requests the account inquiry (S305). In response to
`this request, the account inquiry application 12 verifies
`information on the financial account Selected by the user
`(i.e., account number and password, financial institution
`code, customer information, etc.) by the IC card 11, and
`constructs an account inquiry request message including the
`verified information.
`0058. The mobile communication system 10 has socket
`access to the banking server 40 through the BTS/BSC 20 and
`the PDSN 30 to establish a data transmission line (S306),
`and forwards the constructed account inquiry request mes
`Sage to request information on a late transaction history of
`the selected financial account (S307). In this case, the
`mobile communication System 10 may do So after receiving
`Start and end dates for the account inquiry from the user.
`0059 Thus, the banking server 40 carries out the authen
`tication procedure through the Selected financial account
`information Such as the account number and password, the
`financial institution code, the customer information, etc.,
`which are transmitted from the mobile communication SyS
`tem 10. When the authentication of the financial account is
`completed, the banking Server 40 extracts the transaction
`history information within a recent or designated inquiry
`time period from a host Server, constructs a transaction
`history response message including the extracted transaction
`history information, and transmits the constructed transac
`tion history response message to the corresponding mobile
`communication system 10 (S308).
`0060. When the mobile communication system 10 nor
`mally receives the transaction history information on the
`financial account inquiry through the above-mentioned pro
`cesses, the data transmission line between the mobile com
`munication system 10 and the banking server 40 is released
`(S309), and the account inquiry application 12 outputs
`information on date-specific transaction history, balance,
`etc., of the financial account to the display window of the
`mobile communication system 10 (S310).
`0061 AS set forth above, in the present invention, the
`account number and password, the customer information,
`etc., are processed by option Selection and automatic input
`without Separately inputting them, So that it is possible to
`afford convenience to the user. Further, the mobile commu
`nication System carries out a Series of processes Such as
`Selection of the financial account in advance, h