KR100889277B1 - Method and system of financial transactions between wireless terminals and recording media therefor - Google Patents

Abstract

The present invention relates to a financial transaction method and system between wireless terminals and a recording medium for the same, and the financial transaction method between wireless terminals according to the present invention includes predetermined information of a telecommunication company financial account in which predetermined funds are deposited in predetermined information storage means. Storing the information in a storage medium in association with at least one wireless terminal information and financial account information in a predetermined storage medium, and performing a financial transaction between the wireless terminals using the wireless terminal information. Receiving and receiving predetermined recipient wireless terminal information and transaction amount information from a remitter wireless terminal through a predetermined identifier included in message information of a wireless message; and transmitting the wireless terminal from the message information in a predetermined information checking means. The information, the receiver wireless terminal information and the transaction amount information, and the storage medium (or Confirming the communication company financial account information and the recipient financial account information associated with the recipient wireless terminal information in association with a storage medium operating means); Generating a financial transaction request telegram comprising: transmitting the financial transaction request telegram to a financial institution server in which the telecommunication company financial account is opened, and confirming the financial transaction approval from the financial institution server. And charging the transaction amount to the communication fee of the remitter customer in a predetermined charging processing means.

Telecom billing, wireless messages, financial transactions

Description

Method and system for financial transaction between wireless terminals and recording medium for same {Method and System for Financial Transaction Between Mobile Devices and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for financial transactions between wireless terminals according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for financial transactions between wireless terminals according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to one embodiment of the present invention.

5A and 5B illustrate a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a configuration of a financial transaction system between wireless message-based wireless terminals according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a financial transaction request process between wireless message-based wireless terminals according to one embodiment of the present invention.

8 is a diagram illustrating a financial transaction processing process between wireless message-based wireless terminals according to one embodiment of the present invention.

9 is a diagram illustrating a configuration of a financial transaction system between wireless terminals based on a wireless Internet according to another embodiment of the present invention.

10 is a diagram illustrating a financial transaction request process between wireless terminals based on a wireless internet according to another embodiment of the present invention.

<Description of main parts of drawing>

100: communication company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: financial company server 135: storage media

140: information registration terminal

The present invention includes the steps of storing the communication company financial account information in which the predetermined funds are deposited in a predetermined storage medium in a predetermined information storage means, and storing at least one wireless terminal information and the financial account information in a predetermined storage medium. In the financial transaction between the wireless terminals using the wireless terminal information, the predetermined receiver receiving the wireless terminal information and the transaction amount information from the predetermined remitter wireless terminal in a predetermined message receiving means through a predetermined identifier included in the message information of the wireless message. Identifying and receiving the remitter wireless terminal information, the receiver wireless terminal information, and the transaction amount information from the message information in a predetermined information checking means, and in connection with the storage medium (or storage medium operating means); Financial account information and payee financial account information associated with the recipient wireless terminal information; Confirming, generating a financial transaction request message including a telecommunication company financial account, a payee financial account, and a transaction amount in a predetermined message generating means; Transmitting an account to a financial institution server having an account opened; and if the financial transaction approval is confirmed from the financial institution server, charging the transaction amount to a communication fee of the remitter's customer by a predetermined charging processing means. It relates to a financial transaction method between terminals.

With the development of information and communication technology and infrastructure, wireless terminals have become a necessity for modern people, and financial transactions, an essential element of modern life, have also been introduced using wireless terminals.

However, financial transactions using the wireless terminal (e.g., wireless application protocol (WAP) based wireless banking, or integrated circuit (IC) chip based wireless banking, etc.) are inconvenient to use due to complicated information input and security processing. It is included, and the user needs to solve it frequently occurs.

On the other hand, prior to the wireless banking, the mobile communication company has provided a financial transaction service between the wireless terminals independently, the financial transaction service between the wireless terminals is not linked to a financial company, the mobile communication company to each financial institution in the communication company After opening a financial account, a financial transaction between the wireless terminals was used as a relay account for the telecommunication company financial account, and an indirect processing of the financial transactions between the wireless terminals was carried out using the amount deposited in the relay account.

The independent wireless terminal financial transaction service of the mobile communication company includes a problem that a financial accident occurs frequently due to the limitation of the transaction amount due to the nature of the relay account and the financial transaction is not linked to the ledger in real time.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to store communication company financial account information in which predetermined funds are deposited in a predetermined storage medium, and associate the at least one wireless terminal information with the financial account information in a predetermined storage medium. When a financial transaction is performed between a storage medium and a wireless terminal using the wireless terminal information, the predetermined receiver wireless terminal information and transaction amount information are separated from a predetermined remitter wireless terminal through a predetermined identifier included in the message information of the wireless message. A message receiving means for receiving the message, the remitter wireless terminal information, the receiver wireless terminal information, and the transaction amount information from the message information, and the communication company financial account information in association with the storage medium (or storage medium operating means); Information verification means for confirming the recipient financial account information associated with the recipient wireless terminal information; Full-text generating means for generating a full text of a financial transaction request including the telecommunication company financial account, a beneficiary financial account, and a transaction amount, and a special transmission means for transmitting the full text of the financial transaction request to a financial company server having the telecommunication company financial account opened; When the financial transaction approval is confirmed from the financial company server, the billing processing means for charging by charging the transaction amount to the transfer fee of the customer of the remitter; providing a financial transaction system between wireless terminals.

According to an aspect of the present invention, there is provided a financial transaction method between wireless terminals, in which a predetermined information storage means stores a communication company financial account information in a predetermined storage medium and associates at least one wireless terminal information with financial account information. Storing in a predetermined storage medium;

In the financial transaction between the wireless terminals using the wireless terminal information, the predetermined receiver receiving wireless terminal information and the transaction amount information from the predetermined remitter wireless terminal in the predetermined message receiving means by using a predetermined identifier included in the message information of the wireless message. Receiving and receiving, the predetermined information confirming means to check the remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information from the message information, and the carrier communication in connection with the storage medium (or storage medium operating means) Confirming account information, payee financial account information associated with the payee wireless terminal information, and generating a full text of a financial transaction request including a telecommunication company financial account, a payee financial account, and a transaction amount in a predetermined text generation means; And forwarding the full text of the financial transaction request in a predetermined specialized transmission means. Transmitting to a financial institution server in which a private financial account is opened; and if the financial transaction approval is confirmed from the financial institution server, charging the transaction amount to the communication fee of the remitter's customer by a predetermined charging processing means. Characterized in that made.

According to the present invention, the financial transaction method between the wireless terminals, further comprising the step of confirming the recipient agreement for the financial transaction in connection with the wireless terminal corresponding to the recipient wireless terminal information in a predetermined financial transaction confirmation means; It features.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described financial transaction method between wireless terminals.

On the other hand, a financial transaction system between wireless terminals stores a communication company financial account information in which a predetermined amount of money is deposited in a predetermined storage medium, and a storage medium for storing at least one wireless terminal information and financial account information in a predetermined storage medium. And, during a financial transaction between the wireless terminal using the wireless terminal information, a message for receiving the predetermined recipient wireless terminal information and transaction amount information from the predetermined remitter wireless terminal through a predetermined identifier included in the message information of the wireless message Confirm the receiving means, the remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information from the message information, and the communication company financial account information and the recipient wireless terminal in association with the storage medium (or storage medium operating means) Information confirmation means for confirming the recipient financial account information associated with the information; Full text generating means for generating a full text of a financial transaction request including a financial account, a beneficiary financial account, and a transaction amount; a professional transmission means for transmitting the full text of the financial transaction request to a financial company server in which the telecommunication company financial account is opened; When the financial transaction approval is confirmed from, characterized in that it comprises a charging processing means for charging the transaction amount to the transfer fee of the remitter customer.

According to the present invention, the financial transaction request message may further include transaction authentication information for withdrawing (or transferring) the transaction amount from the telecommunication company financial account.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a face-to-face information registration system for financial transactions between wireless terminals according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through a predetermined information registration interface to the carrier information registration system to the customer information, wireless terminal information, financial account information and transaction authentication information for financial transactions between wireless terminals according to the present invention When providing financial transaction registration information between at least one wireless terminal including at least one, the information registration system links the customer information, wireless terminal information, financial account information and transaction authentication information included in the financial transaction registration information provided between the wireless terminals. As a system configuration for processing and storing in the carrier-side storage medium 135, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 1 for the financial transactions between wireless terminals Various implementation methods for the information registration system configuration may be inferred, but the present invention is inferred from the above. Includes all exemplary method, it shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one or more means for storing the financial transaction registration information between the wireless terminals provided from the customer through the predetermined information registration interface on the information registration system shown in FIG. 1 in the carrier-side storage medium 135 and / or Components corresponding to the functional configuration are referred to as " communication server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for financial transactions between wireless terminals according to the present invention includes information registration including an employee terminal provided in at least one telecommunication company agency (or sales office). Characterized in that it comprises a terminal 140, the information registration terminal 140 is connected to the communication channel and the communication server server 100 provided on the information registration system through a predetermined communication network.

According to an embodiment of the present invention, the customer visits the telecommunications agency (or branch) for a financial transaction between wireless terminals according to the present invention, and through a window (or window) provided in the telecommunications agency (or branch). Fill out a prescribed application (for example, a document with a form for filling in at least one item of information for financial transactions between wireless terminals) through the employee and send the completed application to the teller. Upon submission, the teller enters (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal transmits the entered (or selected) information onto the information registration system via the communication network. It is preferable to transmit to the provided communication company server 100.

Here, the employee terminal preferably comprises a manager terminal used by the teller staff provided in the communication agency agency (or sales office), the communication company server 100 connected to the employee terminal is provided on the predetermined financial system. It is preferable that the ledger server is included, and the communication network connecting the employee terminal and the communication company server 100 preferably includes a branch network connecting the communication channel between the employee terminal and the communication company server 100. .

In the information registration system as described above, the application that the customer creates, the employee terminal used by the teller and the communication network connecting the employee terminal and the communication server server 100 is the customer between the wireless terminal according to the invention It performs a function of an information registration interface for registering financial transaction registration information between wireless terminals for financial transactions.

The carrier-side storage medium 135 provided on the information registration system according to the present invention includes the customer information, the wireless terminal information, and the financial information included in the financial transaction registration information provided from the information registration terminal 140. It is characterized in that the account information and the transaction authentication information is processed in association with the carrier storage medium (135).

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to the method of the present invention, the customer information is preferably matched with any one of the customer information of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminals.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal information, or the recipient wireless terminal information in the financial transaction process between the wireless terminals.

If the wireless terminal information is the receiver wireless terminal information, and the on-line store that processes the payment through the financial transaction between the receiver wireless terminal, the receiver wireless terminal information is the virtual wireless terminal information corresponding to the store. (For example, the store telephone number, the virtual telephone number assigned to the store, the store representative wireless terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information that the customer registers for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number corresponding to the information and the account holder information and the financial institution in which the financial account is opened.

According to an embodiment of the present invention, the financial account information preferably comprises account information corresponding to the recipient financial account of the financial transaction between the wireless terminals, or the charging account for a predetermined wireless payment to the carrier In this case, it is preferable that the financial account information includes account information corresponding to the wireless charging account.

In particular, when the financial account information includes the wireless charging account information, the remitter and the payee of the financial transaction between the wireless terminals may be the same, and the present invention is not limited thereto.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

The telecommunication company server 100 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal 140 through a predetermined communication network, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 140 is an employee terminal connected to a predetermined communication network, the communication company server 100 is provided on a financial system connected to the employee terminal through a predetermined communication network. It may be a ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the communication company server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 140 through the communication network.

According to an exemplary embodiment of the present invention, when the information registration terminal 140 is an employee terminal connected to a predetermined communication network, the interface unit 105 is assigned to the employee terminal based on the protocol stack defined in the communication network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction related program provided in the employee terminal.

Referring to FIG. 1, the communication company server 100 connects a communication channel with the communication company server 100 through a predetermined information registration terminal 140 through the interface unit 105, and then the interface unit 105. In conjunction with the information registration terminal 140 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting financial transaction registration information between predetermined wireless terminals to provide the information registration terminal 140. Receives the financial transaction registration information between the wireless terminal to input (or select) the interface providing unit 110 and the interface unit 105 through the user interface in connection with the interface 105 The information receiving unit 115, the validity confirming unit 120 for confirming the validity of the received financial transaction registration information between the wireless terminal, and the financial transaction registration between the confirmed wireless terminal And an information storage unit 125 for linking and processing the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the information in the storage medium 135 of the communication company.

The interface providing unit 110 is a function provided in the information registration terminal 140 after a predetermined information registration terminal 140 connects the communication channel with the communication company server 100 through the interface unit 105. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction registration information between the wireless terminals to transmit to the telecommunication company server 100 through the telecommunication network, and / or to a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 140 through the communication network.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) financial transaction registration information between the wireless terminals to the information registration terminal 140 and transmitting the information to the telecommunication company server 100 through the communication network. When the predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 140 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 140 inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, the wireless terminal information, the financial account information, and the transaction authentication information based on the user interface. And transmits the input (or selected) financial transaction registration information between the wireless terminals to the communication company server 100 through the communication network.

According to an embodiment of the present invention, when the information registration terminal 140 is an employee terminal connected to a predetermined communication network, the interface providing unit 110 may provide a predetermined financial transaction related program provided in the employee terminal. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

The information receiving unit 115 inputs financial transaction registration information between wireless terminals including at least one of customer information, wireless terminal information, financial account information, and transaction authentication information through the user interface at the information registration terminal 140 ( Or select) to transmit through the communication network, interworking with the interface unit 105 to receive the financial transaction registration information between the wireless terminals, and confirming the validity of the financial transaction registration information between the wireless terminals. Provided to section 120.

The validity confirming unit 120 checks whether the financial transaction registration information between the wireless terminals received from the information registration terminal 140 satisfies the validity for the financial transaction between the wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 100. In connection with the financial company server 130 is preferably made comprising the customer is the financial company customer.

For example, the validation of the financial transaction registration information between the wireless terminals is provided to the financial company server 130 by providing the customer information included in the financial transaction registration information between the wireless terminals to the financial company server 130 ( Or associated with) a predetermined customer ledger provided in the predetermined ledger D / B.

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 130 (or the customer from the financial company server 130) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

When the validity of the financial transaction registration information between the wireless terminals is confirmed, the information storage unit 125 links customer information, wireless terminal information, financial account information, and transaction authentication information included in the financial transaction registration information between the wireless terminals. Characterized in that the processing is stored in the carrier-side storage medium 135, the carrier-side storage medium 135 is provided in the carrier server 100, or on a network associated with the carrier server 100. It is possible to be all, and the present invention is not limited thereby.

2 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the telecommunication company server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on a financial system linked to an employee terminal through a predetermined communication network. After the employee terminal connects to the communication company server 100 and connects a communication channel for information registration according to the present invention, the customer information, the wireless terminal information, and the financial account to the communication company server 100 through the communication channel. When the financial transaction registration information including the information and transaction authentication information is transmitted, the customer information, the wireless terminal information, and the financial account information included in the received financial transaction registration information between the wireless terminals are transmitted from the telecommunication company server 100. As an embodiment of the present invention relates to an embodiment of the present invention and the transaction authentication information in association with the transaction authentication information. Those skilled in the art will be able to infer various implementation methods for registering financial transaction registration information between the wireless terminals from the employee terminal to the telecommunication company server 100 by referring to and / or modifying the drawing 2. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the employee terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the communication company server 100 shown in FIG. 1 is referred to as a “server” for convenience, and the communication company server ( The customer information, the wireless terminal information, the financial account information, and the transaction authentication information transmitted to 100 are referred to as "financial transaction registration information between wireless terminals" for convenience.

Referring to FIG. 2, an employee terminal shown in FIG. 1 connects to a server through a predetermined communication network, connects a predetermined communication channel for registering financial transaction registration information between the wireless terminals, and connects to the wireless terminal. When requesting registration of the financial transaction registration information between the wireless terminals for a transaction (200), the server generates (or extracts) a predetermined information registration interface for registering the financial transaction registration information between the wireless terminals (205), The generated (or extracted) information registration interface is transmitted to the terminal and output through the communication channel (210).

According to an embodiment of the present invention, the information registration interface inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information in the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) financial transaction registration information between wireless terminals including at least one or more customer information, wireless terminal information, financial account information, and transaction authentication information through the information registration interface (215).

If the terminal receives (or selects) financial transaction registration information between the wireless terminals including the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the information registration interface (220), the terminal Through the communication network, the financial transaction registration information between the wireless terminals including the input (or selected) customer information, wireless terminal information, financial account information, and transaction authentication information is transmitted to the server (225).

Thereafter, the server receives and reads the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the communication network to check the validity of the financial transaction registration information between the wireless terminals (230).

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminals is determined whether the wireless terminal information included in the financial transaction registration information between the wireless terminals is stored in association with the customer information in the subscriber D / B (not shown) It is preferable to include checking.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 100. In connection with the financial company server 130 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 130 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 130. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 130 (or the customer from the financial company server 130) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), the financial transaction registration information between the wireless terminals Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial transaction registration information between the wireless terminal is authenticated (235), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminal, the customer information, wireless terminal information and financial account Information and transaction authentication information are processed in association with each other and stored in the carrier side storage medium 135 (245).

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the financial transaction registration information between the wireless terminals transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face information registration system for financial transactions between wireless terminals according to another embodiment of the present invention.

In more detail, Figure 3 is a predetermined customer through a predetermined information registration interface to the carrier side information registration system for customer information, wireless terminal information, financial account information and transaction authentication information for financial transactions between wireless terminals according to the present invention. When providing financial transaction registration information between at least one wireless terminal including at least one, the information registration system links the customer information, wireless terminal information, financial account information and transaction authentication information included in the financial transaction registration information provided between the wireless terminals. As a system configuration for processing and storing in the carrier-side storage medium 335, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 3 for financial transactions between wireless terminals Various implementation methods for the information registration system configuration may be inferred, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one or more means and / or for storing the financial transaction registration information between the wireless terminal provided from the customer via the predetermined information registration interface shown in FIG. 3 in the carrier-side storage medium 335 Components corresponding to the functional configuration are referred to as " communication server 300 " for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for financial transactions between wireless terminals according to the present invention includes a client terminal including at least one wired terminal and / or wireless terminal used by a customer. Characterized in that it comprises at least one information registration terminal 340, the information registration terminal 340 is a communication channel with a communication company server 300 provided on the information registration system through a predetermined network means Is connected.

According to an exemplary embodiment of the present invention, the customer connects to the telecommunication company server 300 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Inputting (or selecting) inter-terminal financial transaction registration information for the inter-terminal financial transaction according to the present invention through at least one user interface provided by the communication company server 300, the client terminal may select a predetermined network means. It is preferable to transmit to the communication company server 300 provided on the information registration system through.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

Further, the communication company server 300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the carrier server 300 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / Mobitex depending on the type of wireless network connected to the client terminal It is preferable that any one of the base wireless data communication networks, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the telecommunication company server 300, and inputs and / or selects at least one or more information through the user interface to transmit to the telecommunication company server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the communication company server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above information registration system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the communication company server 300 and / Alternatively, the wireless network performs a function of an information registration interface for the customer to register the financial transaction registration information between wireless terminals for the financial transaction between wireless terminals according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 340 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more organizations affiliated with the communication company may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 340 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the communication company server ( The financial network connecting 300 performs a function of an information registration interface for the customer to register financial transaction registration information between wireless terminals for the financial transaction between wireless terminals according to the present invention, and / or the information registration terminal ( If 340 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the telecommunication company server 300 are viewed by the customer. Performing a function of an information registration interface for registering financial transaction registration information between wireless terminals for financial transactions between wireless terminals according to the present invention, and / or the information registration terminal 340 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the communication company, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the The network connecting the communication company server 300 performs the function of the information registration interface for the customer to register the financial transaction registration information between wireless terminals for the financial transactions between wireless terminals according to the present invention.

The carrier-side storage medium 335 provided on the information registration system according to the present invention includes the customer information, the wireless terminal information, and the financial information included in the financial transaction registration information provided from the information registration terminal 340. It is characterized in that the account information and the transaction authentication information is processed in association and stored in the carrier-side storage medium (335).

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to the method of the present invention, the customer information is preferably matched with any one of the customer information of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminals.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal information, or the recipient wireless terminal information in the financial transaction process between the wireless terminals.

If the wireless terminal information is the receiver wireless terminal information, and the on-line store that processes the payment through the financial transaction between the receiver wireless terminal, the receiver wireless terminal information is the virtual wireless terminal information corresponding to the store. (For example, the store telephone number, the virtual telephone number assigned to the store, the store representative wireless terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information that the customer registers for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number corresponding to the information and the account holder information and the financial institution in which the financial account is opened.

According to an embodiment of the present invention, the financial account information preferably comprises account information corresponding to the recipient financial account of the financial transaction between the wireless terminals, or the charging account for a predetermined wireless payment to the carrier In this case, it is preferable that the financial account information includes account information corresponding to the wireless charging account.

In particular, when the financial account information includes the wireless charging account information, the remitter and the payee of the financial transaction between the wireless terminals may be the same, and the present invention is not limited thereto.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

The telecommunication company server 300 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal 340 through a predetermined network means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the telecommunication company server 300 is A predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device), and / or a program provided to the outside world on the financial system. Shall not.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the telecommunication company server 300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 340 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the telecommunication company server 300 is the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. You are good.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the communication company server 300 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the communication company server 300 is characterized by comprising an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 340 through the network means. .

According to an embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the communication company server 300, the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a financial automatic device connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 305 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the communication company server 300, the interface unit 305 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 340 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or two-way digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or two-way digital TV) to use at least one information ( Or data) communication interface for transmitting and receiving.

Referring to FIG. 3, the communication company server 300 connects a communication channel with the communication company server 300 through a predetermined information registration terminal 340 through the interface unit 305, and then the interface unit 305. In conjunction with the information registration terminal 340 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting financial transaction registration information between predetermined wireless terminals and providing the information registration terminal 340. Receives the financial transaction registration information between the wireless terminal provided by the interface providing unit 310 and the interface unit 305 and input (or selected) through the user interface in connection with the interface unit 305 The information receiver 315 and the customer information included in the received financial transaction registration information between the wireless terminals, the wireless terminal information, the financial account information and the transaction authentication information Characterized in that it comprises an information storage unit 325 to be stored in the carrier-side storage medium 335.

The interface providing unit 310 has a function provided in the information registration terminal 340 after a predetermined information registration terminal 340 connects the communication channel with the communication company server 300 through the interface unit 305. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction registration information between the wireless terminals to transmit to the telecommunication company server 300 through the network means, and / or a predetermined database (FIG. And extracts the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal 340 through the network means.

Thereafter, the information registration terminal 340 inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information based on the user interface. And transmits the input (or selected) financial transaction registration information between wireless terminals to the telecommunication company server 300 through the financial network.

When the information registration terminal 340 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network according to an embodiment of the present invention, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, when the information registration terminal 340 is a financial automation device connected to a predetermined financial network, the interface providing unit 310 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 340 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS-based user interface) through the interface unit 305 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 340 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface study 310 is the wired terminal (or two-way digital) It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 305. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) financial transaction registration information between the wireless terminals to the information registration terminal 340 and transmitting the information to the telecommunication company server 300 through the network means. When a predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal 340 may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs financial transaction registration information between wireless terminals including at least one of customer information, wireless terminal information, financial account information, and transaction authentication information through the user interface at the information registration terminal 340 ( Or select) to transmit through the network means, and receives the financial transaction registration information between the wireless terminals in cooperation with the interface unit 305, and validates the received financial transaction registration information between the wireless terminals. Provided to the verification unit 320.

The validity check unit 320 is characterized in that whether the financial transaction registration information between the wireless terminal received from the information registration terminal 340 satisfies the validity for the financial transaction between wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity of the financial transaction registration information between the wireless terminals is determined in the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication server server (300). In connection with the corresponding financial company server 330 preferably comprises the step of checking whether the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 330 (or the customer from the financial company server 330) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

When the validity of the financial transaction registration information between the wireless terminals is confirmed, the information storage unit 325 links customer information, wireless terminal information, financial account information, and transaction authentication information included in the financial transaction registration information between the wireless terminals. Characterized in that the processing is stored in the carrier-side storage medium 335, the carrier-side storage medium 335 is provided in the communication server 300, or on a network associated with the carrier server 300 It is possible to provide all, by which the present invention is not limited.

4 is a diagram illustrating a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case in which a communication server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the server 300 to connect the communication channel for information registration according to the present invention, the customer information, wireless terminal information, financial account information and transaction authentication information to the communication company server 300 through the communication channel When the financial transaction registration information is transmitted between the wireless terminals, the communication server server 300 links customer information, wireless terminal information, financial account information, and transaction authentication information included in the received financial transaction registration information between wireless terminals. The present invention relates to a method of processing and storing the data in the carrier side storage medium 335, which is common in the art. Those skilled in the art will be able to infer various implementation methods for registering financial transaction registration information between the wireless terminals from the client terminal to the telecommunication company server 300 by referring to and / or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the communication company server 300 illustrated in FIG. 3 is referred to as a “server” for convenience. The customer information, the wireless terminal information, the financial account information, and the transaction authentication information transmitted to 300 are referred to as "financial transaction registration information between wireless terminals" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the financial transaction registration information between the wireless terminals by connecting to the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and the wireless for financial transactions between the wireless terminals. When requesting registration of financial transaction registration information between terminals (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering financial transaction registration information between the wireless terminals (405), and The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (410).

According to an embodiment of the present invention, the information registration interface inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information in the terminal. It is preferable to include a user interface.

In addition, the web page transmission and / or output process is preferably performed at least once according to the financial transaction registration information registration procedure between the wireless terminals, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction registration information between the wireless terminals including at least one or more customer information, wireless terminal information, financial account information, and transaction authentication information through the information registration interface (415).

If the terminal receives (or selects) financial transaction registration information between wireless terminals including the customer information, wireless terminal information, financial account information, and transaction authentication information (420), the terminal receives the information registration interface. The input (or selected) customer information, wireless terminal information, financial account information and transaction authentication information are transmitted to the server through a communication channel (425).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) customer information, wireless terminal information, financial account information, and transaction authentication information to the server through the communication channel is input through the information registration interface ( Alternatively, the method may further include transmitting the financial transaction registration information between the wireless terminals through an electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the communication channel to check the validity of the financial transaction registration information between the wireless terminals (430).

According to an exemplary embodiment of the present invention, the validity of the financial transaction registration information between the wireless terminals may be determined when the electronic transaction and / or encryption are performed through the security module provided in the terminal. And decrypting the financial transaction registration information between the wireless terminals, and / or decoding the financial transaction registration information between the wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is desirable to make sure that this is done.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferable that it consists of including.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 300. In connection with the financial company server 330 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 330 (or from the financial company server 330) Receiving financial account information associated with the customer information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), and between the wireless terminals Do not perform the information registration procedure corresponding to the financial transaction registration information.

On the other hand, if the validity of the financial transaction registration information between the wireless terminal is authenticated (435), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminal, the customer information, wireless terminal information and financial account The information and the transaction authentication information are processed in association with each other and stored in the carrier side storage medium 335 (445).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the financial transaction registration information transmitted from the terminal.

5A and 5B illustrate a process of registering financial transaction registration information between wireless terminals in a non-face-to-face manner for financial transactions between wireless terminals according to another exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate that when the information registration system shown in FIG. 3 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal sends the predetermined financial transaction registration information between the wireless terminals for the financial transaction between the wireless terminals to the Internet banking server. When the financial transaction registration information including the customer information, the wireless terminal information, the financial account information and the transaction authentication information is transmitted, the customer included in the received financial transaction registration information between the wireless terminals in the communication server server 300 Information, wireless terminal information, financial account information and transaction authentication information by processing the storage medium (3) 35), and those skilled in the art to which the present invention pertains, refer to and / or modify the drawings 5a and 5b from the client terminal to the carrier server 300 Various implementation methods for registering the financial transaction registration information between the wireless terminals may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 5A and 5B.

That is, the browser when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the client terminal in Figures 5a and 5b, Although an implementation method of connecting an internet banking-based financial transaction channel for registering financial transaction registration information between wireless terminals between the client terminal and the internet banking server based on a program is illustrated, the present invention has a general knowledge in the art. Growing up, the client terminal and the Internet based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 5A and 5B. Between banking servers Although it is possible to infer a method of connecting an internet banking-based financial transaction channel for registering financial transaction registration information between wireless terminals, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 5a and 5b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registering financial transaction registration information between wireless terminals in another banking system such as a wireless banking system and / or a TV banking system, the present invention may be inferred. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in FIGS. 5A and 5B.

5A and 5B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the telecommunication company server 300 is referred to as " server "

5A and 5B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (500a), the server communicates between the terminal and the server through the browser. (505a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (and May allocate a communication channel for transmitting and receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (510a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (515a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (520a).

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (525a) or to mount and / or update the security module for internet banking on the terminal (515a), the server may By activating the security module for internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also from the terminal to the server for registration of financial transaction registration information between wireless terminals. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also for registering financial transaction registration information between wireless terminals in the terminal. Attach a certain electronic signature to information (or data) to be provided to the server and / or When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (535a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 540a, the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for a non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (545a).

If the Internet banking customer authentication fails (550a), the server blocks the Internet banking security channel for the terminal (555a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (550a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (560a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering financial transaction registration information between wireless terminals for financial transactions between wireless terminals from the terminal to the server.

Subsequently, when the terminal requests registration of the financial transaction registration information between the internet banking-based wireless terminals through the inter-banking-based financial transaction channel for registering the financial transaction registration information between the wireless terminals (500b), the server Generate (or extract) a web page corresponding to a predetermined information registration interface for registering financial transaction registration information between wireless terminals (505b), and generate the web page generated (or extracted) through the internet banking-based financial transaction channel. The data is transmitted to the terminal and output (510b).

According to an embodiment of the present invention, the information registration interface inputs (or selects) financial transaction registration information between wireless terminals including at least one of customer information, wireless terminal information, financial account information, and transaction authentication information in the terminal. It is preferable to include an interface, and / or a predetermined password for verifying the validity of the Internet banking customer requesting registration of the financial transaction registration information between the wireless terminals and / or the financial transaction registration information between the wireless terminals. For example, an account password, etc.) and / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or an One Time Password (e.g., an internet banking application process (or the Internet). After the banking application is made) through the OTP authenticator (or OTP certification program) provided to the customer by the telecommunications company. It is preferable to further include an interface for inputting a password.

In addition, the web page transmission and / or output process is preferably performed at least once according to the financial transaction registration information registration procedure between the wireless terminals, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction registration information between wireless terminals including at least one of the customer information, wireless terminal information, financial account information, and transaction authentication information through the information registration interface (515b).

If the terminal receives (or selects) financial transaction registration information between the wireless terminals including the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the information registration interface (520b), the terminal receives the The financial transaction registration information between the wireless terminals inputted (or selected) is transmitted to the server through the financial transaction channel (525b).

According to an exemplary embodiment of the present invention, transmitting the financial transaction registration information between the wireless terminals input (or selected) through the financial transaction channel to the server may include a wireless terminal input (or selected) through the information registration interface. It includes the electronic financial transaction registration information between the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the financial transaction registration information between the wireless terminals through the financial transaction channel and checks the validity of the financial transaction registration information between the wireless terminals (530b).

According to an exemplary embodiment of the present invention, the validity of the financial transaction registration information between the wireless terminals may be determined when the electronic transaction and / or encryption are performed through the security module provided in the terminal. And decoding the financial transaction registration information between the wireless terminals, and / or decoding the financial transaction registration information between the wireless terminals.

In addition, the validity check of the financial transaction registration information between the wireless terminals, it is preferable to further comprise a password and / or security code and / or OTP included in the financial transaction registration information between the wireless terminals.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals to the subscriber D / B (not shown) of the carrier associated with the information registration system. It is preferable to include checking whether at least one information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals is matched with the customer information stored in the subscriber D / B (not shown) associated with the information registration system with the customer information included in the financial transaction registration information between the wireless terminals. It is preferable to include checking whether or not.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the wireless terminal information contained in the financial transaction registration information between the wireless terminals is stored in the subscriber D / B (not shown) in association with the customer information It is preferred to be made to include.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals corresponds to the financial account information included in the financial transaction registration information between the wireless terminals through a predetermined communication means in the communication company server 300. In connection with the financial company server 330 is preferably made comprising the customer is the financial company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330. It is preferable to include a check that is matched with a predetermined customer ledger provided in the predetermined ledger D / B).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the financial account information included in the financial transaction registration information between the wireless terminals to the financial company server 330 (or the customer from the financial company server 330) Receiving financial account information associated with the information), and checking whether a financial account corresponding to the financial account information is opened at the financial company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (535b), the server generates a web page including the predetermined financial transaction registration information registration error information between the wireless terminals and transmits it to the terminal (540b). ), The information registration procedure corresponding to the financial transaction registration information between the wireless terminals is not performed.

On the other hand, if the validity of the financial transaction registration information between the wireless terminals is authenticated (535b), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminals, it is included in the financial transaction registration information between the wireless terminals The customer information, the wireless terminal information, the financial account information, and the transaction authentication information are processed in association with each other and stored in the carrier side storage medium 335 (545b).

Thereafter, the server generates a web page including financial transaction registration information registration history information between wireless terminals and transmits the generated web page to the terminal (550b), thereby completing the registration of financial transaction registration information between wireless terminals. .

Hereinafter, when the telecommunication company is a code division multiple access (CDMA) / wide-CDMA (WCDMA) based mobile telecommunication company, financial transaction registration information between wireless terminals registered through the information registration system shown in FIG. 1 and / or FIG. Based on the following description, a preferred implementation method for financial transactions between a predetermined remitter wireless terminal and a receiver wireless terminal will be described.

However, the method of carrying out the financial transaction between the remitter wireless terminal and the receiver wireless terminal according to the present invention is not limited to the case of the mobile carrier shown below, the carrier for the financial transaction between the wireless terminals is HSDPA (High-Speed Downlink) Packet Access (Wireless Access) based wireless communication network, IEEE 802.16x based portable Internet, including all kinds of wireless carriers including at least one, it is apparent that the present invention includes all the inferred wireless carriers.

6 is a diagram illustrating a configuration of a financial transaction system between wireless message-based wireless terminals according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 shows information regarding a predetermined remitter's wireless terminal 680 and a receiver's wireless terminal 685, respectively, to the carrier storage medium 645 through the information registration system shown in FIGS. 1 and / or 3. After the financial transaction registration information between the wireless terminals is registered, at least a predetermined receiver wireless terminal 685 information and a transaction amount, etc., are received from the wireless terminal corresponding to the remitter wireless terminal 680 information to the telecommunication company server 600. When transmitting a predetermined financial transaction request message (eg, a short message service or a multimedia message service) including one or more, the communication company server 600 is associated with a predetermined financial company server 650. As a configuration of a system for processing financial transactions between wireless terminals, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the configuration of the financial transaction system between the wireless message-based wireless terminals may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation method illustrated in FIG. This is not limited.

In the wireless message-based inter-terminal financial transaction system according to the embodiment shown in FIG. 6, the remitter wirelessly registers the financial transaction registration information between the wireless terminals through the information registration system shown in FIGS. 1 and / or 3. A wireless terminal including at least one terminal 680 and at least one recipient wireless terminal 685, is connected to the wireless terminal through a predetermined wireless communication network, and a predetermined financial transaction from the remitter wireless terminal 680 through the wireless communication network. After receiving the request message, a communication company server 600 for requesting a financial transaction between the wireless terminal through the communication company financial account to a predetermined financial company server 650 based on the financial transaction request message, and the communication company server 600 ) And a predetermined communication means (e.g., a dedicated communication network, an encryption-based secure communication network, or a communication network equipped with a dedicated communication protocol). Between the wireless terminal is requested from the communication company server 600 is characterized in that obtained by having the bank server 650 to process the financial transaction.

The wireless terminal has a function of transmitting and receiving at least one wireless message (eg, a short message service or a multimedia message service) through a predetermined wireless communication network, and the communication company server 600 and / or Output at least one interface screen provided by the financial institution server 650, and provide the interface screen by inputting at least one or more information for the financial transaction between the wireless terminal through the at least one user interface included in the interface screen A browser program (or a messenger program, a financial transaction program, etc.) transmitted to the communication company server 600 and / or the financial company server 650 may be provided.

Those skilled in the art to which the present invention pertains may include a wireless terminal including a mobile communication terminal having access to the CDMA / WCDMA-based wireless communication network and having a wireless message transmission / reception function, an interface screen output, and an information input function. In addition to the technical features of the CDMA / WCDMA-based wireless communication network in addition to the high-speed downlink packet access (HSDPA) -based wireless communication network, IEEE 802.16x-based wireless communication network for transmitting and receiving the wireless message, interface screen output and information input function Since you will be familiar with the technical features of the wireless terminal provided, a detailed description thereof will be omitted for convenience.

According to the present invention, financial transaction registration information between wireless terminals registered through the information registration system shown in FIGS. 1 and / or 3 is provided in the communication company server 600 or accessed from the communication company server 600. It is characterized in that it is provided on the network possible.

According to an embodiment of the present invention, the storage medium 645 may include at least one of customer information, wireless terminal information, financial account information, and transaction authentication information registered through the information registration system illustrated in FIGS. 1 and / or 3. It is preferable to store the financial transaction registration information between the wireless terminal and the communication company financial account information included above.

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to an embodiment of the present invention, the customer information is preferably matched with any one of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminal.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal 680 information, or the recipient wireless terminal 685 information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is the recipient wireless terminal 685 information, and the on-line store that processes the payment through the financial transaction between the recipient wireless terminal, the recipient wireless terminal 685 information is sent to the store. It is possible to include corresponding virtual radio terminal information (for example, the store telephone number, the virtual telephone number assigned to the store, the store representative radio terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information registered by the customer for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number and account holder information corresponding to the information and the financial institution opened the financial account is preferably formed.

According to an embodiment of the present invention, the financial account information preferably comprises account information corresponding to the recipient financial account of the financial transaction between the wireless terminals, or the charging company for a predetermined wireless payment to the carrier; In the case of operation, the financial account information preferably comprises account information corresponding to the wireless charging account.

In particular, when the financial account information includes the wireless charging account information, the remitter and the payee of the financial transaction between the wireless terminals may be the same, and the present invention is not limited thereto.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

The telecommunication company financial account information is financial account information in the name of the telecommunication company to be withdrawn a predetermined transaction amount to be deposited into the payee financial account during the financial transaction between the wireless terminal, the financial information opened in the name of the telecommunication company in a predetermined financial institution It is preferable to include at least one predetermined account number corresponding to an account (for example, a real account, a virtual account, or an online account), account holder information, and financial institution information in which the financial account is opened.

According to the exemplary embodiment of the present invention, the storage medium 645 preferably further includes a predetermined transaction limit amount information. In this case, the transaction amount of the financial transaction between the wireless terminals does not exceed the transaction limit amount. It is characterized by not.

According to the present invention, the telecommunication company server 600 includes a predetermined message center (eg, a Short Message Center (SMC), a Multimedia Message Center (MMC), etc.) provided on a wireless communication network. A message receiving unit 605 for receiving a predetermined financial transaction request message including at least one financial transaction request information according to a wireless message transmission protocol from a wireless terminal 680, which is a predetermined remittance, and the received financial transaction request message Reads whether it corresponds to the financial transaction request message protocol, reads at least one financial transaction request information from the financial transaction request message, and transmits the wireless terminal 680 information of the remitter corresponding to the sender information of the received financial transaction request message; And a message reading unit 610 for reading.

The remitter wireless terminal 680 includes at least one of financial institution identifier and recipient wireless terminal 685 information, transaction amount information, transaction authentication information, and various memos (or messages) according to a predetermined financial transaction request message protocol. When the financial transaction request message is inputted and transmitted, the financial transaction request message is received from the remitter wireless terminal 680 through a wireless communication network to a predetermined message center, and the message center receives the financial transaction request message. Verify and transmit the relay transaction request message to the telecommunication company server 600 through a predetermined communication network, wherein the message receiving unit 605 includes at least one financial transaction request information from the message center. Receiving the financial transaction request message.

Among the financial transaction request information included in the financial transaction request message, the financial institution identifier may include at least one of numbers, letters, symbols, and the like which can be input through a key input device provided in the wireless terminal. A unique number (or unique code) for identifying a financial institution in which a financial account associated with the remitter wireless terminal 680 information among a plurality of financial institutions providing financial transactions between the wireless terminals in connection with the communication company server 600 is opened. , Or a unique string).

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 600, or the wireless terminal 680 information which is the remittance to the storage medium 645; When the financial institution providing the financial transaction between the wireless terminals can be identified through the linked and stored financial account information, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

Among the financial transaction request information included in the financial transaction request message, the recipient wireless terminal 685 information is provided by the telecommunication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. As information corresponding to an inter-financial transaction target, the wireless terminal information is preferably matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 645.

Of the financial transaction request information included in the financial transaction request message, the transaction amount information, the financial transaction amount between the wireless terminal provided in connection with the financial company server 650 corresponding to the financial institution identifier in the communication company server 600 The transaction amount information includes at least one or more of the amount withdrawn from the financial account associated with the sender's wireless terminal 680 information or the amount deposited into the financial account to the storage medium 645. It is preferable to make it.

Of the financial transaction request information included in the financial transaction request message, the transaction authentication information, the communication server server 600 provides a financial transaction between wireless terminals provided in association with the financial company server 650 corresponding to the financial institution identifier. The authentication information includes information on the storage medium 645 including predetermined authentication information (for example, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 680 information. It is desirable to lose.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 680 information in the storage medium 645 is registered by the telecommunication company to confirm the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information is preferably made of the communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the sender's wireless terminal 680 information corresponds to the financial account associated with the sender's wireless terminal 680 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 645. It is preferable that the financial company includes financial transaction authentication information.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 645, the transaction authentication information may be omitted in the financial transaction request message, and thus the present invention is not limited thereto. No.

Among the financial transaction request information included in the financial transaction request message, the memo (or message) is financed between wireless terminals provided by the communication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. It is preferable to include at least one or more information that must be provided to the financial institution server 650 in order to process a transaction.

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request message is determined by the remitter. It is preferable to include the additional depositor information entered.

According to an embodiment of the present invention, it is preferable that at least one financial transaction request information corresponding to the financial transaction request message is included in accordance with a predetermined financial transaction request message protocol.

Here, the financial transaction request message protocol preferably includes at least one identifier for distinguishing each financial transaction request information order and each financial transaction request information.

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 685 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 685 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", it is preferable that the message information of the financial transaction request message includes an information structure such as "SHB * 01012349876 * 50000", Here, the "SHB" is a financial institution identifier, the shopping mall "01012349876" is the recipient wireless terminal 685 information, and the "50000" corresponds to the transaction amount.

When a financial transaction request message including at least one financial transaction request information is received from the wireless terminal 680, which is a predetermined remittance, through the message receiving unit 605, the message reading unit 610 may receive the received financial transaction request message. It is characterized in that whether the corresponding to the financial transaction request message protocol.

According to an embodiment of the present invention, the message reading unit 610 reads predetermined message information from the received financial transaction request message, and reads whether the message information is made according to the financial transaction request message protocol. Do.

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 685 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 685 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", the message reading unit 610 may include information such as "SHB * 01012349876 * 50000" as the message information included in the financial transaction request message. It is desirable to ensure that the configuration is included.

In addition, the message reading unit 610 preferably reads each of the financial transaction request information included in the message information according to the financial transaction request message protocol.

For example, the financial transaction request information includes a financial institution identifier consisting of English letters and a recipient wireless terminal 685 information consisting of numbers and transaction amount information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (685) In the case of the information and the transaction amount information, and the identifier for distinguishing each financial transaction request information is "*", the message reader 610 finances the message information included in the financial transaction request message. Check that the institution identifier is composed of English letters, check that the recipient's telephone number of the message information consists of a number beginning with "01x," and check that the transaction amount of the message information consists of numbers within the transaction limit. desirable.

When the received financial transaction request message corresponds to the financial transaction request message protocol, the message reader 610 may read at least one financial transaction request information from the financial transaction request message.

According to an embodiment of the present invention, the message reader 610 may read at least one or more financial transaction request information based on an identifier included in the message information according to a predetermined financial transaction request message protocol.

For example, the financial transaction request information includes a financial institution identifier consisting of English letters and a recipient wireless terminal 685 information consisting of numbers and transaction amount information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (685) In the case of the information and the transaction amount information, and the identifier for distinguishing each financial transaction request information is "*", the message reading unit 610 reads the financial transaction request information before the initial identifier "*". Read as a financial institution identifier, read the financial transaction request information between the first identifier "*" and the next identifier "*" as the recipient wireless terminal 685 information, and trade the financial transaction request information after the next identifier "*". It is preferable to read the amount information.

In addition, the message reading unit 610 is characterized in that the readout of the wireless terminal 680 information that is the remittance corresponding to the sender information of the received financial transaction request message.

Referring to FIG. 6, the telecommunication company server 600 reads at least one financial transaction request information from the financial transaction request message received through the message receiving unit 605, and also sends the remitter from the financial transaction request message. When the wireless terminal 680 information is read, the mobile terminal 685 checks predetermined communication company financial account information from the storage medium 645, and includes the recipient wireless terminal 685 included in the read financial transaction request information from the storage medium 645. An information confirmation unit 615 for confirming the recipient financial account information associated with the information and a wireless terminal corresponding to the recipient wireless terminal 685 information to provide a predetermined financial transaction confirmation interface for the financial transaction between the wireless terminals. The financial transaction confirmation interface unit 620, which handles the recipient confirmation (or agreement), and the recipient confirmation (or agreement) for the financial transaction between the wireless terminals are the same. In the meantime, a professional generation unit 625 for generating a full financial transaction request message including the telecommunication company financial account information, the beneficiary financial account information, the transaction amount information and the financial transaction authentication information corresponding to the telecommunication company financial account; A specialized transmission unit 630 for transmitting a transaction request message to the financial company server 650 through the communication means, and a predetermined financial transaction process corresponding to the financial transaction request message from the financial company server 650 through the communication means. Receive a full financial transaction response message including the details, and respectively correspond to the sender wireless terminal 680 information and the recipient wireless terminal 685 information, the wireless message containing the financial transaction processing history contained in the financial transaction response message; Characterized in that it comprises a specialized processing unit 635 for transmitting to the wireless terminal.

The information confirming unit 615 checks the telecommunication company financial account information in association with the storage medium 645, and receives information of the receiver wireless terminal 685 included in the financial transaction request information read from the financial transaction request message. It is characterized in confirming the linked payee financial account information.

According to the exemplary embodiment of the present invention, when predetermined transaction authentication information is read from the financial transaction request message, the information checking unit 615 is connected to the storage medium 645 to transmit the wireless terminal 680 information (or information). Checks predetermined transaction authentication information associated with the remitter financial account information), compares (or authenticates) the transaction authentication information checked from the storage medium 645 with the transaction authentication information read from the financial transaction request message, and performs wireless It is desirable to check the validity of the carrier side for financial transactions between terminals.

When a predetermined transaction limit amount is stored in the storage medium 645 according to the exemplary embodiment of the present invention, the information checking unit 615 compares the transaction amount included in the financial transaction request information with the transaction limit amount. It is preferable to check the validity of the financial transaction request between the wireless terminals.

When the communication company financial account information and the recipient financial account information are confirmed from the storage medium 645, the financial transaction confirmation interface unit 620 confirms a predetermined financial transaction with a wireless terminal corresponding to the information of the recipient wireless terminal 685. Providing a predetermined financial transaction confirmation interface for inputting information (e.g., transaction authentication information stored in association with the recipient wireless terminal 685 information) in the storage medium 645 and transmitting the information to the telecommunication company server 600; After receiving the financial transaction confirmation information from the receiver wireless terminal 685, the financial transaction confirmation information received from the wireless terminal in comparison with the financial system and the recipient side transaction authentication information stored in the storage medium 645 (or Authentication) to process the recipient confirmation (or agreement) for the financial transaction between the wireless terminals.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 620 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 685 information. When a wireless message is transmitted and the wireless terminal accesses through the callback UE, the wireless terminal stores a predetermined financial transaction confirmation information (for example, a storage medium 645 in association with the recipient wireless terminal 685 information). Authentication information) to provide a predetermined financial transaction confirmation interface to be transmitted to the communication company server 600, and after receiving the financial transaction confirmation information from the payee wireless terminal 685, Compare (or authenticate) the financial transaction confirmation information received from the wireless terminal with the recipient side transaction authentication information stored in the storage medium 645. To process the confirmation recipient (or motion) to the financial transaction between the mobile terminal is preferred.

When the recipient confirmation (or agreement) for the financial transaction between the wireless terminals is processed by the financial transaction confirmation interface unit 620, the full text generation unit 625 confirms the recipient (or agreement) for the financial transaction between the wireless terminals. ), Withdrawal (or transfer) the transaction amount from the telecommunication company financial account and deposit it into the beneficiary financial account, the telecommunication company financial account information, the beneficiary financial account information, the transaction amount information and the financial transaction corresponding to the telecommunication company financial account. Characterized in that the financial transaction request telegram containing the authentication information is generated, it is preferable that the specialized structure follows the professional communication protocol protocol between the telecommunication company server 600 and the financial company server 650.

The specialized transmission unit 630 may be configured to transmit the financial transaction request telegram generated by the specialized generation unit 625 to the financial company server 650 through the communication means.

After the financial transaction request message is transmitted to the financial company server 650 by the specialized transmission unit 630, the professional processing unit 635 transmits the financial transaction request message from the financial company server 650 through the communication means. Receiving the full text of the financial transaction response that includes the predetermined financial transaction processing history corresponding to the.

According to the implementation method of the present invention, the financial transaction processing history preferably includes any one of predetermined financial transaction approval information or financial transaction error information.

In addition, the specialized processing unit 635 is a wireless terminal corresponding to the information of the remitter wireless terminal 680, the wireless message including the financial transaction processing history contained in the received full financial transaction response, and the recipient wireless terminal 685 The information is transmitted to the wireless terminal.

Referring to FIG. 6, the financial company server 650 may include a specialized receiver 655 for receiving the full text of a financial transaction request from the communication company server 600 through the communication means, and the financial transaction in connection with the financial system. A validity confirming unit 660 for confirming validity of the request text and a financial transaction processing unit 665 for processing a predetermined financial transaction corresponding to the financial transaction request text in connection with the financial system when the validity is verified; Characterized in that made.

The specialized receiving unit 655 may receive the full text of the financial transaction request from the telecommunication company server 600 including the telecommunication company financial account information, the beneficiary financial account information, the transaction amount information, and the financial transaction authentication information corresponding to the telecommunication company financial account. do.

When the financial transaction request message is received through the information receiving unit, the validity confirming unit 660 checks the validity of the financial transaction request message in association with a financial system equipped with a telecommunication company financial account included in the financial transaction request message. It is characterized by checking.

According to the implementation method of the present invention, the validity of the financial transaction request message, the account ledger corresponding to the communication company financial account information included in the financial transaction request message in connection with the financial system is predetermined ledger D / B It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes financial transaction authentication information corresponding to the telecommunication company financial account, the validity check of the financial transaction request message is included in the financial transaction request message in connection with the financial system. Preferably, the transaction authentication information includes comparison (or authentication) of the corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the telecommunication company financial account, the validity check on the full text of the financial transaction request is performed with the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the communication company financial account.

The financial transaction processing unit 665 processes a financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system in which the telecommunication company financial account is opened based on the received financial transaction request message. .

According to the exemplary embodiment of the present invention, the financial transaction processing unit 665 includes predetermined financial transaction approval information or financial transaction error information in the process of processing a financial transaction between predetermined wireless terminals corresponding to the full financial transaction request. It is preferable to generate a financial transaction processing history and transmit a predetermined financial transaction response message including the financial transaction processing history to the telecommunication company server 600 through the communication network, and correspondingly, the telecommunication company server 600. The wireless message is transmitted to the wireless terminal corresponding to the information of the remitter wireless terminal 680 and the recipient wireless terminal 685 information, the wireless message including the financial transaction processing history contained in the received financial transaction response message; It is preferable.

Referring to FIG. 6, the telecommunication company server 600 processes the financial transaction between the wireless terminals through the telecommunication company financial account in connection with the financial company server 650, and then transfers the transaction amount to the customer's communication fee. It is characterized by comprising a charging processing unit 640 to impose on.

The billing processing unit 640 checks the customer information associated with the information of the remitter wireless terminal 680 in connection with the storage medium 645, and withdraws from the telecommunication company financial account in connection with a predetermined billing server 670 ( Or transfer) and charge the transaction amount deposited in the recipient's financial account in the form of an additional charge of the communication fee of the sender's customer, and the amount charged to the communication fee is the transaction amount and the transaction amount. It is preferable to include a predetermined fee amount corresponding to.

7 is a diagram illustrating a financial transaction request process between wireless message-based wireless terminals according to one embodiment of the present invention.

In more detail, FIG. 7 illustrates information regarding a predetermined receiver wireless terminal 685 and a transaction amount from the wireless terminal 680, which is a remittance on a wireless transaction-based wireless terminal financial transaction system, shown in FIG. Transmitting a predetermined financial transaction request message (eg, a Short Message Service or a Multimedia Message Service) including at least one of the following information, between the wireless terminals through the recipient wireless terminal 685 information. The process of confirming the recipient confirmation (or agreement) for the financial transaction, and those skilled in the art to which the present invention pertains, referring to and / or modifying the present Figure 7 between the wireless message-based wireless terminal Various implementation methods for the financial transaction request process may be inferred, but the present invention includes all implementation methods inferred above. The technical features are not limited only to the implementation method illustrated in FIG. 7.

Referring to FIG. 7, a predetermined financial transaction request message (eg, a short message) including at least one financial transaction request information in a wireless terminal 680, which is a remittance on a wireless message based inter-terminal financial transaction system shown in FIG. A short message service or a multimedia message service is input (700), and the financial transaction request message is transmitted to the communication company server 600 through the wireless communication network (705).

Among the financial transaction request information included in the financial transaction request message, the financial institution identifier may include at least one of numbers, letters, symbols, and the like which can be input through a key input device provided in the wireless terminal. A unique number (or unique code) for identifying a financial institution in which a financial account associated with the remitter wireless terminal 680 information among a plurality of financial institutions providing financial transactions between the wireless terminals in connection with the communication company server 600 is opened. , Or a unique string).

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 600, or the wireless terminal 680 information which is the remittance to the storage medium 645; When the financial institution providing the financial transaction between the wireless terminals can be identified through the linked and stored financial account information, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

Among the financial transaction request information included in the financial transaction request message, the recipient wireless terminal 685 information is provided by the telecommunication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. As information corresponding to an inter-financial transaction target, the wireless terminal information is preferably matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 645.

Of the financial transaction request information included in the financial transaction request message, the transaction amount information, the financial transaction amount between the wireless terminal provided in connection with the financial company server 650 corresponding to the financial institution identifier in the communication company server 600 The transaction amount information includes at least one or more of the amount withdrawn from the financial account associated with the sender's wireless terminal 680 information or the amount deposited into the financial account to the storage medium 645. It is preferable to make it.

Of the financial transaction request information included in the financial transaction request message, the transaction authentication information, the communication server server 600 provides a financial transaction between wireless terminals provided in association with the financial company server 650 corresponding to the financial institution identifier. The authentication information includes information on the storage medium 645 including predetermined authentication information (for example, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 680 information. It is desirable to lose.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 680 information in the storage medium 645 is registered by the telecommunication company to confirm the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information is preferably made of the communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the sender's wireless terminal 680 information corresponds to the financial account associated with the sender's wireless terminal 680 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 645. It is preferable that the financial company includes financial transaction authentication information.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 645, the transaction authentication information may be omitted in the financial transaction request message, and thus the present invention is not limited thereto. No.

Among the financial transaction request information included in the financial transaction request message, the memo (or message) is financed between wireless terminals provided by the communication company server 600 in association with the financial company server 650 corresponding to the financial institution identifier. It is preferable to include at least one or more information that must be provided to the financial institution server 650 in order to process a transaction.

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request message is determined by the remitter. It is preferable to include the additional depositor information entered.

According to an embodiment of the present invention, it is preferable that at least one financial transaction request information corresponding to the financial transaction request message is included in accordance with a predetermined financial transaction request message protocol.

Here, the financial transaction request message protocol preferably includes at least one identifier for distinguishing each financial transaction request information order and each financial transaction request information.

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 685 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 685 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", it is preferable that the message information of the financial transaction request message includes an information structure such as "SHB * 01012349876 * 50000", Here, the "SHB" is a financial institution identifier, the shopping mall "01012349876" is the recipient wireless terminal 685 information, and the "50000" corresponds to the transaction amount.

Thereafter, the communication company server 600 receives the financial transaction request information through the wireless communication network (710) and reads the received financial transaction request message to check the validity of the financial transaction request message (715). .

According to an embodiment of the present invention, the telecommunication company server 600 may read predetermined message information from the received financial transaction request message and read whether the message information is made according to the financial transaction request message protocol. .

For example, the financial transaction request information includes financial institution identifier and receiver wireless terminal 685 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 685 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", the communication company server 600 is configured such that the message information included in the financial transaction request message is "SHB * 01012349876 * 50000" It is preferable to check whether it comprises.

If the validity of the financial transaction request message is not confirmed (720), the communication company server 600 generates predetermined financial transaction request message error information for the financial transaction request message to the remitter wireless terminal 680. In step 725, the remitter wireless terminal 680 repeats the financial transaction request message transmission.

On the other hand, if the validity of the financial transaction request message is confirmed (720), the communication company server 600 reads at least one or more financial transaction request information from the financial transaction request message, the validity of the read financial transaction request information Check (730).

According to the exemplary embodiment of the present invention, the telecommunication company server 600 may read whether the respective financial transaction request information included in the message information is valid according to the financial transaction request message protocol.

For example, the financial transaction request information includes a financial institution identifier consisting of an English letter and a receiver wireless terminal 685 information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information sequence includes a financial institution identifier and a recipient wireless. When the terminal 685 information and the transaction amount information are formed in order, and the identifier for distinguishing each financial transaction request information is "*", the communication company server 600 finances the message information included in the financial transaction request message. Check that the institution identifier is composed of English letters, check that the recipient's telephone number of the message information consists of a number beginning with "01x," and check that the transaction amount of the message information consists of numbers within the transaction limit. desirable.

According to the exemplary embodiment of the present invention, when predetermined transaction authentication information is included in the financial transaction request information read from the financial transaction request message, the communication company server 600 is connected to a storage medium 645 to transmit the wireless terminal. (680) confirming predetermined transaction authentication information associated with the information, and comparing (or authenticating) the transaction authentication information checked from the storage medium 645 with the transaction authentication information read from the financial transaction request message (or authentication); It is advisable to check the validity of the carrier side for inter-financial transactions.

When a predetermined transaction limit amount is stored in the storage medium 645 according to the exemplary embodiment of the present invention, the information checking unit 615 compares the transaction amount included in the financial transaction request information with the transaction limit amount. It is preferable to check the validity of the financial transaction request between the wireless terminals.

If the validity of the financial transaction request information is not confirmed (735), the communication company server 600 generates the predetermined financial transaction request message error information for the financial transaction request message. The sender wireless terminal 680 is transmitted (725), and the remitter wireless terminal 680 correspondingly repeats the financial transaction request message transmission process.

If the validity of the financial transaction request information is confirmed (735), the communication company server 600 provides a predetermined financial transaction confirmation interface to the sender wireless terminal 680 through the recipient wireless terminal 685 information and In response to this, the remitter wireless terminal 680 is processed in association with predetermined financial transaction confirmation information (eg, the storage wireless terminal 645 information in the storage medium 645) through the financial transaction confirmation interface. Information corresponding to the stored telecommunication company side financial transaction authentication information) is input (or selected) and transmitted to the telecommunication company server 600 (745), and the telecommunication company server 600 receives the financial transaction from the remitter wireless terminal 680. Receiving the confirmation information to confirm the recipient confirmation (or consent) for the financial transaction between the wireless terminal (750).

According to the exemplary embodiment of the present invention, the telecommunication company server 600 is a wireless terminal corresponding to the receiver wireless terminal 685 information, and the predetermined financial transaction confirmation information (for example, the storage medium 645 is connected to the receiver wireless terminal 685). ) Provides a predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the information) to be transmitted to the communication company server 600, and receives the financial transaction confirmation information from the payee wireless terminal 685. Thereafter, in connection with the financial system, the financial transaction confirmation information received from the wireless terminal and the recipient transaction authentication information stored in the storage medium 645 are compared (or authenticated) to confirm the recipient of the financial transaction between the wireless terminals (or Consent).

For example, the telecommunication company server 600 transmits a wireless message including a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 685 information, and the wireless terminal. When the user connects through the callback UE, the mobile terminal inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 685 information) to the storage medium 645. Provide a predetermined financial transaction confirming interface for transmitting to the 600, receiving the financial transaction confirming information from the payee wireless terminal 685, and confirming the financial transaction received from the wireless terminal in association with the financial system; Number of financial transactions between the wireless terminals by comparing (or authenticating) the transaction authentication information of the payee side stored in the storage medium 645 with the information. It is desirable to process the acceptance confirmation (or consent).

If the validity of the financial transaction confirmation information is not authenticated (755), the communication company server 600 generates a predetermined financial transaction error information and transmits it to the recipient wireless terminal 685 (760), and the recipient wireless terminal ( 685) the process of receiving the financial transaction confirmation information is repeated.

If the validity of the financial transaction confirmation information is authenticated (755), the communication company server 600 performs a process of processing the financial transaction between the wireless terminal through the communication company financial account in connection with the financial company server 650.

8 is a diagram illustrating a financial transaction processing process between wireless message-based wireless terminals according to one embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of requesting a financial transaction between wireless message-based wireless terminals shown in FIG. 7 by a communication server server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. When the recipient confirmation (or agreement) for the financial transaction between the terminal is confirmed, the communication company server 600 processes the financial transaction between the wireless terminals in connection with the financial company server 650 through the communication company financial account, the transaction Regarding the process of imposing an amount on the communication fee of the remitter's account, a person having ordinary knowledge in the technical field to which the present invention belongs, financial transactions between the wireless message-based wireless terminals by referring to and / or modifying FIG. Various implementation methods for the treatment process may be inferred, but the present invention includes all implementation methods inferred. It becomes, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

Referring to FIG. 8, a communication service server 600 on a wireless message-based wireless terminal financial transaction system shown in FIG. 6 performs a financial transaction request process between wireless message-based wireless terminals shown in FIG. When the payee confirmation (or agreement) for the inter-financial transaction is confirmed, the telecommunication company server 600 checks the telecommunication company financial account information from the storage medium 645, and the receiver wireless terminal included in the financial transaction request information ( 685) after confirming the beneficiary financial account information corresponding to the information (800), the carrier financial account information and the recipient financial account information for withdrawing (or transferring) the transaction amount from the telecommunication company financial account and depositing the money into the beneficiary financial account; Generate a financial transaction request message including the transaction value information and the financial transaction authentication information corresponding to the telecommunication company financial account (805); Generated and transmits the financial transaction request to the specialized bank server 650 via the communication means 810.

Thereafter, the financial company server 650 receives the financial transaction request message from the communication company server 600 through the communication means, and confirms the validity of the financial transaction request message (815).

According to the implementation method of the present invention, the validity of the financial transaction request message, the account ledger corresponding to the communication company financial account information included in the financial transaction request message in connection with the financial system is predetermined ledger D / B It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes financial transaction authentication information corresponding to the telecommunication company financial account, the validity check of the financial transaction request message is included in the financial transaction request message in connection with the financial system. Preferably, the transaction authentication information includes comparison (or authentication) of the corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the telecommunication company financial account, the validity check on the full text of the financial transaction request is performed with the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the communication company financial account.

If the validity of the financial transaction request message is not confirmed (820), the financial company server 650 generates the financial transaction request message error information and transmits it to the communication company server 600 (825). The process of receiving the full text of the financial transaction request from the 600 is repeated, or the financial transaction between the wireless terminals is terminated.

On the other hand, if the validity of the financial transaction request message is confirmed (820), the financial institution server 650 may correspond to the financial transaction request message in connection with a financial system in which a communication company financial account included in the financial transaction request message is opened. The financial transaction between the wireless terminals is handled (830).

According to the implementation method of the present invention, the financial company server 650 withdraws (or transfers) the transaction amount from the telecommunication company financial account included in the full financial transaction request in connection with the financial system and deposits the money into the beneficiary financial account. It is preferable.

If the financial transaction between the wireless terminals is processed (835), the financial company server 650 generates a financial transaction processing history including any one of predetermined financial transaction approval information, or financial transaction error information (840), The financial transaction response message including the financial transaction processing details is transmitted to the communication company server 600 through the communication means (845), and correspondingly, the communication company server 600 includes the predetermined financial transaction processing history. A financial transaction processing message is generated (850), and the generated financial transaction processing message is transmitted to the sender wireless terminal 680 and the recipient wireless terminal 685 (855).

Subsequently, the communication company server 600 charges the transaction amount as a communication fee of the remitter's customer in connection with a predetermined charging server 670 to charge the transaction (860).

9 is a diagram illustrating a configuration of a financial transaction system between wireless terminals based on a wireless Internet according to another embodiment of the present invention.

In more detail, FIG. 9 shows information regarding a predetermined remitter's wireless terminal 975 and a receiver's wireless terminal 980, respectively, to the storage medium 955 of the carrier through the information registration system shown in FIGS. 1 and / or 3. After the financial transaction registration information between the wireless terminals is registered, the wireless terminal corresponding to the information of the remitter wireless terminal 975 is connected to the communication company server 900, the predetermined recipient wireless terminal for financial transactions between the wireless terminals When the financial transaction request information including at least one information and a transaction amount is transmitted, the system server 900 processes the financial transaction between the wireless terminals in connection with a predetermined financial institution server 960. As to those skilled in the art to which the present invention pertains, financial transactions between the wireless Internet-based wireless terminal by referring to and / or modified in the present figure 9 Would be able to infer a variety of exemplary methods for the system configuration, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 9.

In the wireless Internet-based wireless terminal financial transaction system according to the embodiment shown in FIG. 9, the remitter wirelessly registers the financial transaction registration information between the wireless terminals through the information registration system shown in FIGS. 1 and / or 3. A wireless terminal including at least one terminal 975 and at least one recipient wireless terminal 980, and a wireless internet connection through the wireless terminal and a predetermined wireless communication network, and predetermined from the remitter wireless terminal 975 via the wireless communication network. A communication company server 900 for requesting a financial transaction between the wireless terminals through the telecommunication company financial account to a predetermined financial company server 960 after receiving the financial transaction request information of the telecommunication company; Predetermined means of communication with the server 900 (e.g., a dedicated communication network, an encryption-based secure communication network, or a communication network provided with a dedicated communication protocol); Through characterized in that obtained by having the bank server 960 to process the financial transaction between the wireless terminal it is requested from the communication company server 900.

The wireless terminal has a function of transmitting and receiving at least one wireless message (eg, a short message service or a multimedia message service) through a predetermined wireless communication network, and the communication company server 900 and / or Output at least one interface screen provided by the financial company server 960, and provide the interface screen by inputting at least one or more information for financial transactions between the wireless terminals through at least one user interface included in the interface screen A browser program (or a messenger program, a financial transaction program, etc.) transmitted to the telecommunication company server 900 and / or the financial company server 960 may be provided.

Those skilled in the art to which the present invention pertains may include a wireless terminal including a mobile communication terminal having access to the CDMA / WCDMA-based wireless communication network and having a wireless message transmission / reception function, an interface screen output, and an information input function. In addition to the technical features of the CDMA / WCDMA-based wireless communication network in addition to the high-speed downlink packet access (HSDPA) -based wireless communication network, IEEE 802.16x-based wireless communication network for transmitting and receiving the wireless message, interface screen output and information input function Since you will be familiar with the technical features of the wireless terminal provided, a detailed description thereof will be omitted for convenience.

According to the present invention, financial transaction registration information between wireless terminals registered through the information registration system shown in FIGS. 1 and / or 3 is provided in the communication company server 900 or accessed from the communication company server 900. It is characterized in that it is provided on the network possible.

According to an embodiment of the present invention, the storage medium 955 may include at least one of customer information, wireless terminal information, financial account information, and transaction authentication information registered through the information registration system illustrated in FIGS. 1 and / or 3. It is preferable to store the financial transaction registration information between the wireless terminal and the communication company financial account information included above.

The customer information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who registers the financial transaction registration information between the wireless terminals, and the member information of the customer ( For example, it is preferable that the customer includes at least one or more of member ID information assigned to the customer by the communication company by subscribing to the communication company.

According to an embodiment of the present invention, the customer information is preferably matched with any one of the remitter customer information, or the recipient customer information in the financial transaction process between the wireless terminal.

The wireless terminal information may be a unique number (for example, a telephone number, an identification number, etc.) or unique information (for example, address information, identification) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. Cords).

According to an embodiment of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal 975 information, or the recipient wireless terminal 980 information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is the recipient wireless terminal 980 information, and the on-line store that processes the payment through the financial transaction between the recipient wireless terminal, the recipient wireless terminal 980 information to the store. It is possible to include corresponding virtual radio terminal information (for example, the store telephone number, the virtual telephone number assigned to the store, the store representative radio terminal information, etc.), and the present invention is not limited thereto.

The financial account information is account information registered by the customer for financial transactions between the wireless terminals, and a financial account (for example, a real account or a virtual account or an online account) opened in a predetermined financial institution in the name of the customer. At least one predetermined account number and account holder information corresponding to the information and the financial institution opened the financial account is preferably formed.

According to an embodiment of the present invention, the financial account information preferably comprises account information corresponding to the recipient financial account of the financial transaction between the wireless terminals, or the charging account for a predetermined wireless payment to the carrier In this case, it is preferable that the financial account information includes account information corresponding to the wireless charging account.

In particular, when the financial account information includes the wireless charging account information, the remitter and the payee of the financial transaction between the wireless terminals may be the same, and the present invention is not limited thereto.

The transaction authentication information, when the customer requests the financial transaction between the wireless terminal, the communication company preferably comprises a financial company-side financial transaction authentication information for the validity of the financial transaction between the wireless terminal, the intention of the skilled person Accordingly, the financial company may further include financial transaction authentication information including at least one of an account password, a financial transaction password, a security card information, and the like corresponding to the financial account opened at the financial institution. It is not limited.

The telecommunication company financial account information is financial account information in the name of the telecommunication company to be withdrawn a predetermined transaction amount to be deposited into the payee financial account during the financial transaction between the wireless terminal, the financial information opened in the name of the telecommunication company in a predetermined financial institution It is preferable to include at least one predetermined account number corresponding to an account (for example, a real account, a virtual account, or an online account), account holder information, and financial institution information in which the financial account is opened.

According to the exemplary embodiment of the present invention, the storage medium 955 preferably further stores predetermined transaction limit amount information. In this case, the transaction amount of the financial transaction between the wireless terminals does not exceed the transaction limit amount. It is characterized by not.

According to the present invention, the communication company server 900 is an interface unit 905 for connecting at least one wireless terminal and a wireless Internet communication channel according to a predetermined wireless Internet protocol provided on a wireless communication network, and the interface unit 905 Input the financial transaction request information including at least one predetermined financial institution identifier and the beneficiary wireless terminal 980 information, transaction amount information, transaction authentication information, and various memos (or messages) to the wireless terminal in association with the wireless terminal. An interface providing unit 910 for providing a financial transaction interface for transmitting and transmitting the data, and the financial institution identifier and the recipient wireless terminal 980 information and transaction value information from the wireless terminal in association with the interface unit 905; Receiving financial transaction request information including at least one transaction authentication information and various memos (or messages), and Emitter in conjunction with a face portion 905, a sender's mobile terminal 975 for reading the information transmitted to the financial transaction request information is characterized by comprising an information receiving unit (915).

The interface unit 905 connects the remitter wireless terminal 975 with a predetermined communication channel based on the protocol stack defined in the wireless communication network, and the communication defined in the communication program provided in the remitter wireless terminal 975. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a protocol.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the wireless terminal 975 of the remitter, the interface unit 905 may transmit the remitter based on the CDMA protocol. Connects a communication channel with a wireless terminal 975 and uses a WAP / ME protocol defined in the browser program to display a web page (e.g., a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or Provides a communication interface for transmitting and receiving information.

Those skilled in the art to which the present invention pertains, the interface unit 905 connects the wired wireless terminal 975 and a predetermined communication channel according to the respective wireless Internet protocol corresponding to each wireless communication network. And it will be familiar with the technical features to manage, so a detailed description thereof will be omitted for convenience.

The interface providing unit 910 inputs financial transaction request information including at least one predetermined financial institution identifier and a receiver wireless terminal 980 information, transaction amount information, transaction authentication information, and various memos (or messages). At least one or more user interfaces to be transmitted), and / or extracted from a predetermined database (not shown), and at least one or more of the generated (or extracted) user interfaces in conjunction with the interface unit 905. It provides a financial transaction interface to the wireless terminal 975 to which the communication channel is connected.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the remitter wireless terminal 975 and transmitting the information to the telecommunication company server 900 through the wireless communication network. When a predetermined program is provided, the wireless terminal (SRP) may include a financial transaction interface including a user interface for inputting (or selecting) predetermined financial transaction request information and transmitting the predetermined financial transaction request information to the telecommunication company server 900 as described above. The interface providing unit 910 provided to 975 may be omitted, and the present invention is not limited thereto.

Financial transaction request information including at least one or more financial institution identifier and recipient wireless terminal 980 information, transaction amount information, transaction authentication information, and various memos (or messages) through the financial transaction interface in the remitter wireless terminal 975. After inputting (or selecting) and transmitting, the information receiving unit 915 may receive the financial transaction request information in association with the interface unit 905.

Preferably, the financial institution identifier included in the financial transaction request information includes at least one of numbers, letters, and symbols that can be input through a key input device provided in the wireless terminal, and the communication company server 900. A unique number (or unique code, or unique string) identifying a financial institution having a financial account associated with the remitter wireless terminal 975 information among a plurality of financial institutions that provide financial transactions between the wireless terminals in connection with It is preferable to comprise.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 900, or the wireless terminal 975 information of the remittance to the storage medium 955. When the financial institution providing the financial transaction between the wireless terminals can be identified in connection with the telecommunication company server 900 through the stored financial account information, the financial institution identifier may be omitted from the financial transaction request information. As such, the present invention is not limited thereto.

The beneficiary wireless terminal 980 information included in the financial transaction request information corresponds to a financial transaction target between wireless terminals provided by the telecommunication company server 900 in association with the financial company server 960 corresponding to the financial institution identifier. As the information, the wireless terminal information may be matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 955.

The transaction value information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided in connection with the financial company server 960 corresponding to the financial institution identifier by the telecommunication company server 900. Preferably, the transaction amount information includes at least one of an amount withdrawn from a financial account associated with the remitter wireless terminal 975 information or an amount deposited into the financial account.

The transaction authentication information included in the financial transaction request information is information for authenticating a financial transaction between wireless terminals provided in connection with the financial company server 960 corresponding to the financial institution identifier at the communication company server 900. Preferably, the storage medium 955 includes predetermined authentication information (for example, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 975 information.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 975 information stored in the storage medium 955 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information preferably comprises a communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 955.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 955 in association with the remitter wireless terminal 975 information corresponds to the financial account associated with the remitter wireless terminal 975 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 955. It is preferable that the financial company includes financial transaction authentication information.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 955, the transaction authentication information may be omitted from the financial transaction request information, and thus the present invention is not limited thereto. No.

The memo (or message) included in the financial transaction request information may be used to process a financial transaction between wireless terminals provided by the telecommunication company server 900 in association with a financial company server 960 corresponding to the financial institution identifier. It is preferable to include at least one or more information to be provided to the financial institution server 960.

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request information is determined by the remitter. It is preferable to include the additional depositor information entered.

In addition, the information receiving unit 915 reads the remitter wireless terminal 975 information transmitted from the financial transaction request information from the communication channel information corresponding to the remitter wireless terminal 975 in association with the interface unit 905. It is characterized by.

Referring to FIG. 9, when the at least one financial transaction request information is received through the information receiving unit 915 and the wireless terminal 975 information, which is the remittance, is read, the storage medium. Confirmation information for a predetermined communication company financial account information from the 955, and confirms the recipient financial account information associated with the recipient wireless terminal 980 information included in the read financial transaction request information from the storage medium (955) A financial transaction confirmation interface for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 980 information to process a recipient confirmation (or agreement) for the financial transaction between the wireless terminals. When the payee identification (or agreement) for the financial transaction between the wireless terminal and the unit 925 is made, the telecommunication company financial account information and the payee financial account information and A full text generation unit 930 for generating a full text transaction request message including financial value authentication information corresponding to the amount information and the communication company financial account; and the generated full text transaction request message to the financial company server 960 through the communication means. Receives a full text transaction response message including a predetermined transaction transaction history corresponding to the full text of the financial transaction request from the financial company server 960 through the transmission unit 935 and the communication means for transmitting, the financial transaction And a professional processing unit 940 for transmitting a wireless message including a transaction transaction history included in the response message to each wireless terminal corresponding to the remitter wireless terminal 975 information and the recipient wireless terminal 980 information. It is characterized by.

The information verification unit 920 confirms the communication company financial account information in association with the storage medium 955, and confirms the recipient financial account information associated with the beneficiary wireless terminal 980 information included in the financial transaction request information. Characterized in that.

According to the exemplary embodiment of the present invention, when the financial transaction request information includes predetermined transaction authentication information, the information confirming unit 920 is connected to the storage medium 955 to transmit the wireless terminal 975 information (or information). Check the predetermined transaction authentication information associated with the remitter financial account information, and compare (or authenticate) the transaction authentication information checked from the storage medium 955 with the transaction authentication information read from the financial transaction request message to perform wireless It is desirable to check the validity of the carrier side for financial transactions between terminals.

When a predetermined transaction limit amount is stored in the storage medium 955 according to an exemplary embodiment of the present invention, the information checking unit 920 may compare the transaction amount included in the financial transaction request information with the transaction limit amount. It is preferable to check the validity of the financial transaction request between the wireless terminals.

When the communication company financial account information and the recipient financial account information are confirmed from the storage medium 955, the financial transaction confirmation interface unit 925 confirms a predetermined financial transaction with a wireless terminal corresponding to the information of the recipient wireless terminal 980. Provide a predetermined financial transaction confirmation interface for inputting information (e.g., transaction authentication information stored in association with the recipient wireless terminal 980 information) to a storage medium 955 and transmitting the information to the telecommunication company server 900; After receiving the financial transaction confirmation information from the receiver wireless terminal 980, and compares the financial transaction confirmation information received from the wireless terminal with the recipient side transaction authentication information stored in the storage medium 955 in connection with the financial system (or Authentication) to process the recipient confirmation (or agreement) for the financial transaction between the wireless terminals.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 925 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 980 information. When a wireless message is transmitted and the wireless terminal accesses through the callback UE, the wireless terminal stores a predetermined financial transaction confirmation information (for example, a storage medium 955 in association with the recipient wireless terminal 980 information). Authentication information) to provide a predetermined financial transaction confirmation interface to be transmitted to the communication company server 900, and after receiving the financial transaction confirmation information from the payee wireless terminal 980, Comparing (or authenticating) the financial transaction confirmation information received from the wireless terminal with the recipient side transaction authentication information stored in the storage medium 955. To process the confirmation recipient (or motion) to the financial transaction between the mobile terminal is preferred.

When the recipient confirmation (or agreement) for the financial transaction between the wireless terminals is processed by the financial transaction confirmation interface unit 925, the full text generation unit 930 confirms the recipient (or agreement) for the financial transaction between the wireless terminals. ), Withdrawal (or transfer) the transaction amount from the telecommunications company financial account and deposit it to the beneficiary financial account. Characterized in that the financial transaction request telegram containing the authentication information is generated, it is preferable that the specialized structure follows the professional communication protocol protocol between the communication company server 900 and the financial company server 960.

The specialized transmission unit 935 may transmit the financial transaction request message generated by the professional generation unit 930 to the financial company server 960 through the communication means.

After the financial transaction request message is transmitted to the financial company server 960 by the specialized transmission unit 935, the professional processing unit 940 transmits the financial transaction request message from the financial company server 960 through the communication means. Receiving the full text of the financial transaction response that includes the predetermined financial transaction processing history corresponding to the.

According to the implementation method of the present invention, the financial transaction processing history preferably includes any one of predetermined financial transaction approval information or financial transaction error information.

In addition, the specialized processing unit 940 is a wireless terminal corresponding to the information of the remitter wireless terminal 975, the wireless message including the financial transaction processing history included in the received full financial transaction response, and the recipient wireless terminal 980 The information is transmitted to the wireless terminal.

Referring to FIG. 9, the financial company server 960 may include a specialized receiver 965 for receiving the full text of the financial transaction request from the communication company server 900 through the communication means, and the financial transaction in connection with the financial system. A validity verification unit 970 for checking the validity of the request text and a financial transaction processing unit 975 for processing a predetermined financial transaction corresponding to the financial transaction request text in connection with the financial system when the validity is verified; Characterized in that made.

The specialized receiver 965 may receive, from the telecommunication company server 900, a full financial transaction request message including telecommunication company financial account information, payee financial account information, transaction amount information, and financial transaction authentication information corresponding to the telecommunication company financial account. do.

When the financial transaction request message is received through the information receiving unit 915, the validity confirming unit 970 connects to the financial transaction request message in association with a financial system equipped with a telecommunication company financial account included in the financial transaction request message. It is characterized by checking the validity.

According to the implementation method of the present invention, the validity of the full text of the financial transaction request, the account ledger corresponding to the communication company financial account information included in the full text of the financial transaction request in conjunction with the financial system is a predetermined ledger D / It is preferable to include checking whether it is equipped with B.

If the financial transaction processing information includes financial transaction authentication information corresponding to the telecommunication company financial account, the validity check of the financial transaction request message is included in the financial transaction request message in connection with the financial system. Preferably, the transaction authentication information includes comparison (or authentication) of the corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the telecommunication company financial account, the validity check on the full text of the financial transaction request is performed with the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the communication company financial account.

The financial transaction processing unit 975 processes a financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system in which the telecommunication company financial account is opened based on the received financial transaction request message. .

According to an exemplary embodiment of the present invention, the financial transaction processing unit 975 includes predetermined financial transaction approval information or financial transaction error information in the process of processing a financial transaction between predetermined wireless terminals corresponding to the full financial transaction request. It is preferable to generate a financial transaction processing history and transmit a predetermined financial transaction response message including the financial transaction processing history to the telecommunication company server 900 through the communication network, and correspondingly, the telecommunication company server 900. The wireless terminal transmits a wireless message including the financial transaction processing history included in the received financial transaction response message to the wireless terminal corresponding to the remitter wireless terminal 975 information and the recipient wireless terminal 980 information. It is preferable.

Referring to FIG. 9, the telecommunication company server 900 processes the financial transaction between the wireless terminals through the telecommunication company financial account in connection with the financial company server 960, and then transfers the transaction amount to the customer's communication fee. It is characterized by comprising a charging processing unit 945 to impose on.

The billing processing unit 945 checks customer information associated with the remitter wireless terminal 975 information in association with the storage medium 955, and withdraws from the telecommunication company financial account in connection with a predetermined billing server 950 ( Or transfer) and charge the transaction amount deposited in the recipient's financial account in the form of an additional charge of the communication fee of the sender's customer, and the amount charged to the communication fee is the transaction amount and the transaction amount. It is preferable to include a predetermined fee amount corresponding to.

10 is a diagram illustrating a financial transaction request process between wireless terminals based on a wireless Internet according to another embodiment of the present invention.

In more detail, FIG. 10 illustrates a predetermined recipient for a financial transaction between the wireless terminals by accessing the communication server 900 from the wireless terminal 975, which is a remittance on the wireless internet based wireless terminal financial transaction system shown in FIG. When the financial transaction request information including at least one of the wireless terminal 980 information and the transaction amount is transmitted, confirm the payee confirmation (or consent) for the financial transaction between the wireless terminals through the recipient wireless terminal 980 information. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the financial transaction request process between the wireless Internet-based wireless terminals can be inferred by referring to and / or modifying the drawing 10. As will be appreciated, the present invention includes all implementation methods inferred by the above, and only the implementation method illustrated in FIG. Technological features are not limited.

Referring to FIG. 10, a predetermined transaction for financial transactions between the telecommunication company server 900 and a wireless terminal through a predetermined wireless communication network in a wireless terminal 975, which is a remittance on a wireless internet-based wireless terminal financial transaction system shown in FIG. Connect the communication channel (1000).

According to an embodiment of the present invention, the telecommunication company server 900 connects the remitter wireless terminal 975 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and connects the remitter wireless terminal 975 to the remitter wireless terminal 975. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the provided communication program.

For example, when the remitter wireless terminal 975 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the communication company server 900 may remit the remitter based on the CDMA protocol. Connects a communication channel with a wireless terminal 975, and uses a WAP / ME protocol defined in the browser program to provide a web page (e.g., a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information. Provides a communication interface for transmission and reception.

Those skilled in the art to which the present invention pertains, the communication server server 900 connects a predetermined communication channel to the wireless terminal 975, which is the remittance, according to the respective wireless Internet protocol corresponding to each wireless communication network. And it will be familiar with the technical features to manage, so a detailed description thereof will be omitted for convenience.

Thereafter, the communication company server 900 generates (or extracts) a financial transaction interface for the financial transaction between the wireless terminals and provides the remitter to the wireless terminal 975 (1005).

According to an embodiment of the present invention, the communication company server 900 may determine a predetermined financial institution identifier and a receiver wireless terminal 980 information, transaction amount information, transaction authentication information, and various memos (or messages) in the remitter wireless terminal 975. Generate at least one user interface for inputting (or selecting) and transmitting financial transaction request information including at least one, and / or extract from a predetermined database (not shown), and the interface unit 905 It is preferable to provide a financial transaction interface including at least one or more of the generated (or extracted) user interface to the wireless terminal 975 which is the remittance to which the communication channel is connected.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the remitter wireless terminal 975 and transmitting the information to the telecommunication company server 900 through the wireless communication network is provided. When a predetermined program is provided, the telecommunication company server 900 inputs (or selects) predetermined financial transaction request information and transmits a financial transaction interface including a user interface to transmit to the telecommunication company server 900. The wireless terminal 975 may not be provided, and the present invention is not limited thereto.

Thereafter, the remitter wireless terminal 975 inputs (or selects) at least one financial transaction request information through the financial transaction interface and transmits the information to the communication company server 900 through the communication channel (1010).

Preferably, the financial institution identifier included in the financial transaction request information includes at least one of numbers, letters, and symbols that can be input through a key input device provided in the wireless terminal, and the communication company server 900. A unique number (or unique code, or unique string) identifying a financial institution having a financial account associated with the remitter wireless terminal 975 information among a plurality of financial institutions that provide financial transactions between the wireless terminals in connection with It is preferable to comprise.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals in connection with the telecommunication company server 900, or the wireless terminal 975 information which is the remittance to the storage medium 955; When the financial institution providing the financial transaction between the wireless terminals may be identified in connection with the telecommunication company server 900 through the financial account information stored in association, the financial institution identifier may be omitted from the financial transaction request information. The present invention is not limited thereby.

The beneficiary wireless terminal 980 information included in the financial transaction request information is provided to a financial transaction target between wireless terminals provided by the communication company server 900 in association with the financial company server 960 corresponding to the financial institution identifier. As corresponding information, the wireless terminal information may be matched with predetermined wireless terminal information among at least one or more wireless terminal information stored in the storage medium 955.

The transaction value information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided in connection with the financial company server 960 corresponding to the financial institution identifier by the telecommunication company server 900. Preferably, the transaction amount information includes at least one of an amount withdrawn from a financial account associated with the remitter wireless terminal 975 information or an amount deposited into the financial account.

The transaction authentication information included in the financial transaction request information is information for authenticating a financial transaction between wireless terminals provided by the telecommunication company server 900 in association with a financial company server 960 corresponding to the financial institution identifier. Preferably, the storage medium 955 includes predetermined authentication information (eg, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 975 information.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 975 information stored in the storage medium 955 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information is included, the transaction authentication information preferably comprises a communication company side financial transaction authentication information to be compared (or authenticated) with the transaction authentication information stored in the storage medium 955.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 955 in association with the remitter wireless terminal 975 information corresponds to the financial account associated with the remitter wireless terminal 975 information. When the financial company financial transaction authentication information includes at least one of password, financial transaction password, security card information, and the like, the transaction authentication information may be compared (or authenticated) with transaction authentication information stored in the storage medium 955. It is preferable that the financial company includes financial transaction authentication information.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 955, the transaction authentication information may be omitted from the financial transaction request information, and thus the present invention is not limited thereto. No.

The memo (or message) included in the financial transaction request information may be used to process a financial transaction between wireless terminals provided by the telecommunication company server 900 in association with a financial company server 960 corresponding to the financial institution identifier. It is preferable to include at least one or more information to be provided to the financial institution server 960.

For example, when the financial transaction between the wireless terminals includes a bank transfer transaction, and the bank transfer transaction includes other information other than the sender's name, the memo (or message) included in the financial transaction request information is determined by the remitter. It is preferable to include the additional depositor information entered.

Thereafter, the communication company server 900 checks the validity of the received financial transaction request information (1015).

According to an embodiment of the present invention, the communication company server 900 is connected with the storage medium 955 registered through the information registration system shown in FIG. Check the financial account information, and check the recipient financial account information associated with the recipient wireless terminal 980 information included in the received financial transaction request information in connection with the storage medium (955).

In addition, when the received financial transaction request information includes predetermined transaction authentication information, the telecommunication company server 900 associates with the storage medium 955 and transmits the wireless terminal 975 information (or remitter financial account information). Check the predetermined transaction authentication information associated with the mobile communication device, and compare (or authenticate) the transaction authentication information identified from the storage medium 955 with the received transaction authentication information to validate the carrier's validity of the financial transaction between the wireless terminals. It is desirable to confirm.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 975 information stored in the storage medium 955 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side of the financial transaction authentication information includes, the communication company server 900 compares (or authenticates) the read communication company-side financial transaction authentication information and the carrier-side financial transaction authentication information stored in the storage medium (955). It is preferable.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 955 in association with the remitter wireless terminal 975 information corresponds to the financial account associated with the remitter wireless terminal 975 information. When the financial company financial transaction authentication information includes at least one or more passwords, financial transaction passwords, security card information, and the like, the communication company server 900 may read the financial company financial transaction authentication information and the storage medium 955. It is preferable to compare (or authenticate) financial transaction authentication information stored in the financial company.

If the validity of the financial transaction request information is not confirmed (1020), the telecommunication company server 900 generates the predetermined financial transaction request information error information for the financial transaction request information by the telecommunication company server 900. The remitter wireless terminal 975 is transmitted (1025), and in response thereto, the remitter wireless terminal 975 repeats the financial transaction request information transmission process.

If the validity of the financial transaction request information is confirmed (1020), the communication company server 900 provides a predetermined financial transaction confirmation interface to the sender wireless terminal 975 through the recipient wireless terminal 980 information and In response thereto, the remitter wireless terminal 975 is processed in association with predetermined financial transaction confirmation information (for example, the information on the recipient wireless terminal 980 in the storage medium 955) through the financial transaction confirmation interface. Information (corresponding to the stored telecommunication company side financial transaction authentication information) is input (or selected) and transmitted to the telecommunication company server 900 (1035), and the telecommunication company server 900 receives the financial transaction from the remitter wireless terminal 975. Receiving the confirmation information to confirm the recipient confirmation (or agreement) for the financial transaction between the wireless terminal (1040).

According to an exemplary embodiment of the present invention, the telecommunication company server 900 is a wireless terminal corresponding to the recipient wireless terminal 980 information, and the predetermined financial transaction confirmation information (for example, the storage medium 955 is stored in the recipient wireless terminal 980). ) Provides a predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the information) to be transmitted to the communication company server 900, and receives the financial transaction confirmation information from the payee wireless terminal 980. And confirming (or agreeing) the payee for the financial transaction between the wireless terminals by comparing (or authenticating) the financial transaction confirmation information received from the wireless terminal with the financial system in association with the financial system and the recipient transaction authentication information stored in the storage medium 955. Is preferred.

For example, the telecommunication company server 900 transmits a wireless message including a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 980 information, and the wireless terminal. When the user connects through the callback UE, the mobile terminal inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 980 information) to the storage medium 955. Providing a predetermined financial transaction confirmation interface for transmitting to the 900, receiving the financial transaction confirmation information from the payee wireless terminal 980, and confirming the financial transaction received from the wireless terminal in association with the financial system; Number of financial transactions between the wireless terminals by comparing (or authenticating) the transaction authentication information of the payee side stored in the storage medium 955 with the information. It is desirable to process the acceptance confirmation (or consent).

If the validity of the financial transaction confirmation information is not authenticated (1045), the communication company server 900 generates predetermined financial transaction error information and transmits it to the payee wireless terminal 980 (1050), and the payee wireless terminal ( The process of receiving the financial transaction confirmation information from 980 is repeated.

If the validity of the financial transaction confirmation information is authenticated (1045), the communication company server 900 performs a process of processing the financial transaction between the wireless terminals through the communication company financial account in connection with the financial company server 960.

11 is a diagram illustrating a financial transaction processing process between wireless terminals based on a wireless Internet according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a process of requesting a financial transaction between the wireless Internet-based wireless terminals shown in FIG. 10 in a communication server server 900 on the wireless internet-based wireless terminal financial transaction system shown in FIG. When the recipient confirmation (or agreement) for the financial transaction between the terminal is confirmed, the communication company server 900 processes the financial transaction between the wireless terminals in connection with the financial company server 960 through the communication company financial account, the transaction The process of imposing an amount on the communication fee of the remitter's account. If the person of ordinary skill in the art belongs to the present invention, financial transactions between the wireless Internet-based wireless terminals by referring to and / or modifying the drawing 11 While various implementations of the treatment process may be inferred, the present invention includes all implementations inferred above. Becomes fish, it shall not be limited to the technical features that only the exemplary method shown in the figure 11.

Referring to FIG. 11, the communication server 900 on the wireless Internet-based wireless transaction system shown in FIG. 9 performs a financial transaction request process between the wireless Internet-based wireless terminals shown in FIG. When the recipient confirmation (or agreement) for the financial transaction between the terminal is confirmed, the communication company server 900 checks the communication company financial account information from the storage medium 955, the recipient wireless terminal included in the financial transaction request information After confirming the recipient financial account information corresponding to the information (1100), the operator's financial account information and the recipient's financial account information for withdrawing (or transferring) the transaction amount from the carrier's financial account and depositing the money into the recipient's financial account. Generate a financial transaction request message including financial transaction authentication information corresponding to the transaction amount information and the telecommunication company financial account (1105); The previously generated financial transaction request message is transmitted to the financial company server 960 through the communication means (1110).

Thereafter, the financial company server 960 receives the financial transaction request message from the communication company server 900 through the communication means, and checks the validity of the financial transaction request message (1115).

According to the implementation method of the present invention, the validity of the financial transaction request message, the account ledger corresponding to the communication company financial account information included in the financial transaction request message in connection with the financial system is predetermined ledger D / B It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes financial transaction authentication information corresponding to the telecommunication company financial account, the validity check of the financial transaction request message is included in the financial transaction request message in connection with the financial system. Preferably, the transaction authentication information includes comparison (or authentication) of the corresponding financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction processing information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the telecommunication company financial account, the validity check on the full text of the financial transaction request is performed with the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the communication company financial account.

If the validity of the financial transaction request message is not confirmed (1120), the financial company server 960 generates the financial transaction request message error information and transmits the generated error information to the communication company server 900 (1125). The process of receiving the full text of the financial transaction request from the 900 is repeated, or the financial transaction between the wireless terminals is terminated.

On the other hand, if the validity of the financial transaction request message is confirmed (1120), the financial institution server 960 corresponds to the financial transaction request message in connection with a financial system in which a communication company financial account included in the financial transaction request message is opened. Process financial transactions between wireless terminals (1130).

According to the implementation method of the present invention, the financial company server 960 withdraws (or transfers) the transaction amount from the telecommunication company financial account included in the full financial transaction request in association with the financial system and deposits the money into the beneficiary financial account. It is preferable.

If the financial transaction between the wireless terminals is processed (1135), the financial company server 960 generates a financial transaction processing history including any one of predetermined financial transaction approval information, or financial transaction error information (1140). The full financial transaction response message including the financial transaction processing history is transmitted to the communication company server 900 through the communication means (1145), and correspondingly, the communication company server 900 includes the predetermined financial transaction processing history. A financial transaction processing message is generated (1150), and the generated financial transaction processing message is transmitted to the remitter wireless terminal 975 and the receiver wireless terminal 980 (1155).

Thereafter, the telecommunication company server 900 charges the transaction amount by charging the communication fee of the remitter's customer in connection with a predetermined charging server 950 (1160).

According to the present invention, based on the wireless terminal information and financial account information stored in a predetermined storage medium using the telecommunications company's financial account as a remittance-only account instead of a relay account, the financial transaction between the wireless terminals without exposing the financial account information of the remitter There is an advantage in providing convenience.

According to the present invention, by providing a financial transaction between wireless terminals using the telecommunications company financial account based on the wireless terminal information and financial account information stored in a predetermined storage medium, there is an advantage of attracting the telecommunications customer to the financial company customer. .

Claims (6)

Storing, by the information storage means, the telecommunication company financial account information in which the funds are deposited in a storage medium, and storing the at least one wireless terminal information and the financial account information in a storage medium in association with the at least one wireless terminal information; In the financial transaction between the wireless terminals using the wireless terminal information, the message receiving means processes the recipient wireless terminal information and the transaction amount information from the sender wireless terminal to be identified through a predetermined information distinguishing identifier to thereby identify the message information (USER_DATA) on the wireless message structure. Receiving a financial transaction request message included in an area; In the information confirming means, the remitter wireless terminal information, the receiver wireless terminal information, the transaction amount information, and the financial institution identifier included in the message information (USER_DATA) area of the financial transaction request message are identified. Confirming account information and payee financial account information associated with the payee wireless terminal information; Generating a financial transaction request telegram in which a telecom company financial account is used as a withdrawal account, the payee financial account is used as a deposit account, and withdraws the transaction amount from the telecommunication company financial account and deposits the money into the payee financial account; ; Transmitting the full text of the financial transaction request in a specialized transmission means to a financial institution server in which the telecommunication company financial account is opened; And And if the financial transaction approval is confirmed from the financial company server, charging by charging the transaction amount to the communication fee of the remitter customer in the charging processing means. delete A recording medium which records a program for executing the method of claim 1. A storage medium for storing the communication company financial account information in which the funds are deposited in a storage medium, and storing at least one wireless terminal information in association with the financial account information; In the financial transaction between the wireless terminals using the wireless terminal information, the recipient wireless terminal information and the transaction amount information from the sender wireless terminal are processed to be identified through a predetermined information distinguishing identifier to be included in the message information (USER_DATA) area on the wireless message structure. Message receiving means for receiving a transaction request message; Check the remitter wireless terminal information, the receiver wireless terminal information, the transaction amount information, and the financial institution identifier included in the message information (USER_DATA) area of the financial transaction request message; and the communication company financial account information in association with the storage medium; Information checking means for confirming payee financial account information associated with the payee wireless terminal information; Full text generating means for generating a financial transaction request message for depositing the transaction amount from the telecommunication company financial account and depositing the transaction amount from the telecommunication company financial account to the payee financial account; Specialized transmission means for transmitting the full text of the financial transaction request to a financial institution server in which the communication company financial account is opened; And And a billing processing means for charging the transaction amount to a communication fee of the remitter's customer when the financial transaction approval is confirmed from the financial company server. The method of claim 4, wherein the financial transaction request text is And a transaction authentication information for withdrawing (or transferring) the transaction amount from the telecommunication company financial account. The method of claim 4, wherein the financial transaction request message, And a financial institution identifier having a remitter financial account in a message information (USER_DATA) area on the wireless message structure.

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