KR20090000787A - Method and system of financial transaction between wireless terminals using virtual account and recording medium - Google Patents

Abstract

A method for financial transaction between wireless terminals using a virtual account, a system and a recording medium therefore are provided to offer a safe and convenient financial transaction service. A system for financial transaction between wireless terminals using a virtual account comprises a message reception part receiving predetermined receiver wireless terminal information and transaction money information with a predetermined identifier in the messaging information of a radio message, a verifying information part confirming the receiver financial account information connected to the receiver wireless terminal information and the remitter financial account information connected to the remitter wireless terminal information, a virtual account treatment part paying on the virtual account which regards the remitter finance account or the receiver finance account as the parent account, a financial transaction confirmation part confirming the receiver agreement about the financial transaction by connecting to the wireless terminal corresponding to the receiver wireless terminal information and a financial transaction process part paying the amount of money deposited in the virtual account on the receiver finance account.

Description

System and method for financial transaction between mobile devices by using virtual account and program recording medium}

1 is a diagram illustrating a communication company information registration system in a face-to-face manner 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 communication company 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 authentication and preliminary full text generation process between wireless message-based wireless terminals according to an embodiment of the present invention.

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

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

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

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

FIG. 13 is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless terminals based on a wireless Internet according to an embodiment of the present invention.

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

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

FIG. 16 is a diagram illustrating a system for registering face-to-face financial company information for financial transactions between wireless terminals according to one embodiment of the present invention.

17 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for financial transactions between wireless terminals according to an embodiment of the present invention.

18 is a diagram illustrating a configuration of financial transaction registration information between wireless terminals stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention. Drawing.

19 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in a DBMS provided in a banking server in a face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention.

20 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.

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

22 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for financial transactions between wireless terminals according to an embodiment of the present invention.

FIG. 23 illustrates a configuration of financial transaction registration information between wireless terminals stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention. One drawing.

FIG. 24 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention.

25 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.

26A and 26B 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.

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

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

29A illustrates a financial transaction authentication process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

29B is a diagram illustrating a financial transaction authentication process between wireless message-based wireless terminals according to another embodiment of the present invention.

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

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

32 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.

33A illustrates a financial transaction authentication process between wireless terminals based on another embodiment of the present invention.

33B is a diagram illustrating a financial transaction authentication process between wireless terminals based on 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 relates to a method of storing information in a predetermined storage medium by linking predetermined wireless terminal information and financial account information in a predetermined information storage means, and in a predetermined message receiving means in a financial transaction between wireless terminals using the wireless terminal information. Receiving a predetermined recipient wireless terminal information and transaction amount information from a wireless sender wireless terminal via the wireless Internet, and in connection with the storage medium (or storage medium operating means) in a predetermined information confirming means, the sender wireless terminal Confirming the remitter financial account information associated with the information and the remittee financial account information associated with the recipient wireless terminal information; and a predetermined real account-financial company account, or a carrier account, or a wireless terminal between the predetermined virtual account processing means. A virtual transaction using a financial transaction management account, or the remitter financial account or the payee financial account as a parent account. Opening an account, withdrawing (or transferring) the transaction amount from the remitter's financial account and depositing it into the virtual account; and in connection with a wireless terminal corresponding to the receiver's wireless terminal information in a predetermined financial transaction checking means. Confirming the recipient agreement for the financial transaction; and when the recipient agreement is confirmed, withdrawing (or transferring) the amount deposited in the virtual account from the predetermined financial transaction processing means to the recipient financial account and depositing the money; The present invention relates to a financial transaction method between wireless terminals using a virtual account.

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's request to solve it is frequently occurring.

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, when a financial transaction between wireless terminals using wireless terminal information, predetermined receiver wireless terminal information and transaction amount information from a predetermined remitter wireless terminal included in the message information of the wireless message Message receiving means for distinguishing and receiving through the identifier of the identification, the wireless terminal information, the recipient wireless terminal information and the transaction amount information of the remitter wireless terminal information from the message information, and to store the predetermined wireless terminal information and the financial account information in association Information checking means for confirming a remitter financial account information associated with the sender wireless terminal information and a payee financial account information associated with the payee wireless terminal information in association with a storage medium (or a storage medium operating means); Withdraw (or transfer) the transaction amount to a financial company account or a news agency A virtual account processing means for depositing a financial transaction operation account between a left or a wireless terminal, or a virtual account having the remitter financial account or the payee financial account as a parent account, and a wireless terminal corresponding to the recipient wireless terminal information; And virtual information processing means for confirming the recipient agreement for the financial transaction, and financial transaction processing means for depositing (or transferring) and depositing an amount deposited in the virtual account into the recipient financial account when confirming the recipient agreement. The present invention provides a financial transaction system between wireless terminals using an account.

In accordance with an aspect of the present invention, there is provided a method of financial transaction between wireless terminals using a virtual account, by storing information in a predetermined storage medium in association with predetermined wireless terminal information and financial account information in a predetermined information storage means, and using the wireless terminal information. Receiving, by a predetermined message receiving means, a predetermined recipient wireless terminal information and a transaction amount information from a predetermined remitter wireless terminal through a predetermined identifier included in the message information of the wireless message during a financial transaction between wireless terminals; The remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information are identified from the message information in a predetermined information checking means, and the remitter associated with the remitter wireless terminal information in association with the storage medium (or storage medium operating means). Confirm the recipient's financial account information associated with the financial account information and the recipient's wireless terminal information; And a virtual account having a predetermined real account-a financial company account, a telecommunication company account, a financial transaction management account between the wireless terminal, or the remitter financial account or the payee financial account-in a predetermined virtual account processing means. Opening an account, withdrawing (or transferring) the transaction amount from the remitter's financial account and depositing it into the virtual account; and in connection with a wireless terminal corresponding to the receiver's wireless terminal information in a predetermined financial transaction checking means. And confirming the recipient agreement for the financial transaction and withdrawing (or transferring) the amount deposited in the virtual account from the predetermined financial transaction processing means to the recipient financial account upon confirmation of the recipient agreement. It is characterized by.

On the other hand, the method of financial transactions between wireless terminals using a virtual account according to the present invention, the predetermined information storage means in connection with the predetermined wireless terminal information and the financial account information stored in a predetermined storage medium, the wireless terminal information Receiving a predetermined recipient wireless terminal information and transaction amount information from the wireless sender of the predetermined remitter via the wireless Internet in the financial transaction between the wireless terminals, and the storage medium in the predetermined information checking means Confirming the remitter financial account information associated with the remitter wireless terminal information and the remittee financial account information associated with the payee wireless terminal information in association with the storage medium operating means; and a predetermined virtual account processing means. Real Account-Financial Account, or Carrier Account, or a Financial Transaction Management Account between Wireless Terminals, or the Remitter Opening a virtual account having a financial account or the payee financial account as a parent account, withdrawing (or transferring) the transaction amount from the remitter's financial account and depositing the money into the virtual account; Confirming a payee consent for the financial transaction in association with the wireless terminal corresponding to the payee wireless terminal information; and when confirming the payee consent, a predetermined amount of money deposited in the virtual account by a predetermined financial transaction processing means; It is characterized in that it comprises a step of depositing (or transferring) the deposit into the account.

According to the present invention, the method for financial transaction between wireless terminals using the virtual account further includes a step of authenticating validity of the financial transaction in connection with a wireless terminal corresponding to the wireless terminal information of the remitter in a predetermined validity checking means. It is characterized by consisting of.

On the other hand, the present invention includes a recording medium, characterized in that for recording a program for executing a financial transaction method between wireless terminals using the virtual account described above.

On the other hand, the financial transaction system between the wireless terminal using the virtual account according to the present invention, when the financial transaction between the wireless terminal using the wireless terminal information, the predetermined recipient's wireless terminal information and transaction amount information from the wireless terminal of the predetermined remittance of the wireless message Message receiving means for distinguishing and receiving through a predetermined identifier included in message information, and confirming the remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information from the message information, and the predetermined wireless terminal information and financial account Information verification means for confirming the remitter financial account information associated with the remitter wireless terminal information and the remittee financial account information associated with the recipient wireless terminal information in association with a storage medium (or a storage medium operating means) storing the information in association; Withdraw (or transfer) the transaction amount from the remitter's financial account, A virtual account processing means for depositing a bank account, a telecommunications company account, or a financial transaction management account between wireless terminals, or a virtual account having the remittee financial account or the payee financial account as a parent account; and corresponding to the recipient wireless terminal information. Financial transaction verification means for confirming the recipient's consent for the financial transaction in connection with the wireless terminal and withdrawal (or transfer) the amount deposited in the virtual account to the recipient's financial account when depositing the recipient's consent. It characterized in that it comprises a means.

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 component provided in at least one or more servers (or terminals), or at least one or more. It may be an association of at least two or more functional components provided in the server (or terminal). 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 system for registering a communication company's information in a face-to-face manner for financial transactions between wireless terminals according to one 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 implementation methods and is not limited to the implementation method illustrated in FIG.

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 an information registration terminal including an employee terminal provided in at least one telecommunication company agency (or sales office). Characterized in that it comprises a 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 one embodiment of the present invention, the customer visits the telecommunications agency (or sales office) for a financial transaction between wireless terminals according to the present invention, and (or through a window provided in the telecommunications agency agency (or sales office)) (or Fill out a prescribed application (for example, a document with a form for filling in at least one item of information for a financial transaction between wireless terminals) through the counter staff, and submit the completed application to the counter staff. And the counter clerk inputs (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal transmits the input (or selected) information on the information registration system through the communication network. It is preferable to transmit to the carrier server 100 provided in.

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 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 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 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 is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

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.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

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 preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a 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 terminals is determined whether the wireless terminal information included in the financial transaction registration information between the wireless terminals is stored in connection 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.

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. And an implementation method for linking and processing transaction authentication information to the carrier-side storage medium 135, and in the technical field to which the present invention belongs. 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 (220), the terminal receives the information registration interface. 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 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 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 terminals is authenticated (235), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminals, the customer information, wireless terminal information and financial The account information and the 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-by-side communication company 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. It includes all exemplary method, not limited to the exemplary method shown in the figure of 30,000.

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 This 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 is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

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 (e.g., 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 communication network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a wireless VoIP network, and / or Alternatively, the terminal may further include a terminal (and / or server) (not shown) provided in at least one agency affiliated with the telecommunication company, and the present invention is not limited thereto.

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 transaction 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 and the wireless terminal information included in the financial transaction registration information provided from the information registration terminal 340. The financial account information and the transaction authentication information are processed in association with each other so as to be 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 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 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 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 the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

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.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

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 to a wireless banking server on a predetermined wireless banking system, the telecommunication company server 300 is the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in 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 a 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 bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

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 and transmitting to the communication company server 300 through the network means, and / or a predetermined database (shown in FIG. And extract 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 ATM using 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 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 providing unit 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. 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 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.

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 carrier server 300, or on the network associated with the carrier server 300. It is possible to be all, and the present invention is not limited thereby.

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 and connecting 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 including the customer information, the wireless terminal information, the financial account information and the transaction authentication information included in the received financial transaction registration information between the wireless communication terminal server 300; As an embodiment of the present invention relates to a method of storing the communication medium stored in the communication carrier side storage medium 335, 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 to the server.

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 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 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 (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 ( 335), the person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawings 5a and 5b to the communication server server 300 from the client terminal 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, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 5A and 5B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction registration information between the wireless terminal between the client terminal and the Internet banking server based on the present invention, those of ordinary skill in the art If so, referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 5A and 5B, the client terminal and the internet banking are based on a predetermined internet banking program mounted on the client terminal. Between servers Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registering financial transaction registration information between the terminals, the present invention includes an internet banking-based financial transaction provided based on the Internet banking program. The present invention is not limited thereby.

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 (or Communication channel for transmitting / receiving data) can be allocated.

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 version information and / or last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

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 the terminal does not need to mount and / or update the latest version of the security module for internet banking (525a), or if the terminal does not need to load and / or update the security module for internet banking (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 encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decoding method (and / or decryption algorithm) corresponding to the rhythm), and the server for registering financial transaction registration information between wireless terminals in the terminal. Attaching a predetermined digital signature to information (or data) to be provided by the network and / or encrypting and transmitting the data using at least one or more encryption methods (and / or encryption algorithms), the server may verify the digital signature and / or the A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption 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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering financial transaction registration information between wireless terminals in the terminal. Attach and / or write down certain electronic signatures to information (or data) to be provided by 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 banking request), generated by an OTP authenticator (or OTP authentication program) An interface for inputting the time password) may further include.

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. Inter-financial transaction registration information comprises the electronic signature and / or encryption through the security module provided in the terminal is made to include transmitting 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 decrypting 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 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 validation of the financial transaction registration information between the wireless terminals is provided to the financial company server 330 by providing the customer information included in the financial transaction registration information between the wireless terminals to the financial company server 330 ( 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 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 wireless terminal 697 and a receiver wireless terminal 699, respectively, to the carrier storage medium 645 through the information registration system shown in FIG. 1 and / or FIG. After the financial transaction registration information between the wireless terminals is registered, the wireless terminal corresponding to the remitter wireless terminal 697 information to the communication company server 600 at least a predetermined recipient wireless terminal 699 information and the transaction amount, etc. 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 the financial transactions between the wireless terminals, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 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 697 and a recipient wireless terminal 699, connected to the wireless terminal through a predetermined wireless communication network, and predetermined financial from the remitter wireless terminal 697 through the wireless communication network. After receiving the transaction request message, the communication company server 600 for requesting the financial transaction between the wireless terminal to a predetermined financial company server 650 based on the financial transaction request message, and the predetermined communication with the communication company server 600 Request from the telecommunications server 600 via a means (e.g., a dedicated telecommunication network, or an encryption-based secure telecommunication network, or a telecommunication network with a dedicated telecommunication protocol) It is characterized in that it comprises a financial company server 650 for processing a financial transaction between the wireless terminals.

The wireless terminal has a function of transmitting and receiving at least one or more wireless messages (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 to transmit and receive the wireless message, interface screen output and information input Since it will be familiar with the technical features of the wireless terminal having a, 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 the exemplary embodiment of the present invention, the financial transaction registration information stored in the storage medium 645 may include at least one of predetermined customer information, wireless terminal information, financial account information, and transaction authentication information. Do.

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 the method of the present invention, the wireless terminal information is preferably matched with any one of the wireless terminal information of the sender wireless terminal 697 information, or the recipient wireless terminal 699 information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is a payee wireless terminal 699 information, and the on-line store that processes the payment through the financial transaction between the payee wireless terminal, the payee wireless terminal 699 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 the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

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.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

According to the present invention, the telecommunication company server 600 is a predetermined message center (695) (for example, Short Message Center (SMC), or Multimedia Message Center (MMC)) provided on a wireless communication network And a message receiver 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 697, which is a predetermined remittance, and the received financial transaction. A wireless terminal 697 that reads whether a request message corresponds to the financial transaction request message protocol, reads at least one or more financial transaction request information from the financial transaction request message, and corresponds to a sender information of the received financial transaction request message. ) A message reading unit 610 for reading information.

The remitter wireless terminal 697 includes at least one or more financial institution identifier and recipient wireless terminal 699 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 wireless terminal 697 to the predetermined message center 695 through the wireless communication network, and the message center 695 receives the financial transaction request message. Confirm the receiving side of the transaction request message and relay (or forward) the financial transaction request message to the telecommunication company server 600 through a predetermined communication network, wherein the message receiving unit 605 is provided from the message center 695. And receiving the financial transaction request message including at least one financial transaction request information.

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 linked with the remitter wireless terminal 697 information is provided among a plurality of financial institutions providing financial transactions between the wireless terminals in connection with the communication company server 600. , 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 697 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 699 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 an amount withdrawn from a financial account associated with the sender's wireless terminal 697 information or an amount deposited into the financial account. 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 may include predetermined authentication information (eg, a password, etc.) to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information. desirable.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 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 predetermined communication company-side financial transaction authentication information is included, the transaction authentication information may include 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 remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 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 provided between the wireless terminals provided by the telecommunication company server 600 in association with the financial institution server 650 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 650 in order to process a financial 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 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 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 699 information, and the "50000" corresponds to a transaction amount.

When a financial transaction request message including at least one financial transaction request information is received from the wireless terminal 697, which is a predetermined remittance through the message receiving unit 605, the message reading unit 610 receives 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 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 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" in 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 an English letter and a beneficiary wireless terminal (699) information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. 699, the information and the transaction amount information, and if the identifier for distinguishing each financial transaction request information is "*", the message reading unit 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 an English letter and a beneficiary wireless terminal (699) information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. In the case where 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 beneficiary radio terminal 699 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 697, which is a 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 wirelessly transfers the remitter from the financial transaction request message. When the terminal 697 information is read out, the remitter financial account information associated with the read-out remitter wireless terminal 697 information from the storage medium 645 is checked, and the read financial transaction request is read from the storage medium 645. An information checking unit 615 for checking payee financial account information associated with payee wireless terminal 699 information included in the information, and the remitter financial account information, the payee financial account information, and the transaction amount information through a predetermined communication means; And an information transmission unit 620 for transmitting the predetermined financial transaction processing information including the predetermined financial institution server 650. The.

The information checking unit 615 is connected to the storage medium 645 registered through the information registration system shown in Figures 1 and / 3 and the information of the wireless terminal 697 that is the remittance read from the financial transaction request message Check the linked remitter financial account information, and check the recipient financial account information associated with the recipient wireless terminal (699) information included in the financial transaction request information read from the financial transaction request message in connection with the storage medium (645). Characterized in that.

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 697 information (or 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.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 is registered by the telecommunication company to verify the validity of the financial transaction between the wireless terminals. When the communication company side financial transaction authentication information includes the information verification unit 615 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 645 It is desirable to.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 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 information verification unit 615 reads the financial company financial transaction authentication information and the storage medium 645. It is preferable to compare (or authenticate) the financial company financial transaction authentication information stored in the).

When the remitter financial account information and the beneficiary financial account information are confirmed through the information checking unit 615, the information transmitting unit 620 is determined from the confirmed remitter financial account information and the recipient financial account information and the financial transaction request message. Generate predetermined financial transaction processing information including read transaction amount information, and transmit the generated financial transaction processing information to the financial company server 650 through a predetermined communication means, wherein the financial transaction The processing information is preferably made of the communication company server 600 and the financial company server 650 includes a communication protocol structure.

According to an embodiment of the present invention, when the financial company server 650 authenticates the financial transaction validity between the wireless terminals, the financial transaction processing information may be linked to the remitter wireless terminal 697 at the financial company server 650. Preferably, the remitter is configured to further include information on the wireless terminal 697 for remitting the financial transaction validity between the wireless terminals.

According to another embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, and financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 650. ), The financial transaction processing information further includes the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 650.

According to another exemplary embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the communication company server 600. ), The financial transaction processing information may omit the remitter wireless terminal 697 information, or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Referring to FIG. 6, the financial company server 650 receives financial transaction processing information including the remitter financial account information, the recipient financial account information, and the transaction amount information from the communication company server 600 through the communication means. And an information receiving unit 655 and a validity confirming unit 660 for confirming validity of the financial transaction processing information. The financial transaction processing information further includes wireless terminal 697 information of the remittance. In this case, the financial transaction validity between the wireless terminals is provided by providing a predetermined financial transaction authentication interface with the remitter wireless terminal 697 information in association with a predetermined wireless server 692 based on the remitter wireless terminal 697 information. It characterized in that it comprises a financial transaction authentication interface 690 to authenticate the.

The information receiving unit 655 receives the financial transaction processing information including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the telecommunication company server 600 through the communication means. In accordance with the financial transaction processing information to the wireless terminal (697) of the remitter is further included or received, or the predetermined financial company financial transaction authentication information is further received.

When the financial transaction processing information is received through the information receiving unit 655, the validity confirming unit 660 is linked to the financial transaction processing information in connection with a financial system equipped with a financial account which is a remitter included in the financial transaction processing information. It is characterized by checking the validity.

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with 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 remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

When the financial transaction processing information received through the information receiving unit 655 further includes the remitter wireless terminal 697 information, the financial transaction authentication interface unit 690 may be connected to a predetermined wireless server 692. A predetermined financial transaction authentication information (e.g., account password, financial transaction password, security card information, etc.) is input to the wireless terminal corresponding to the information of the remitter wireless terminal 697 and transmitted to the financial company server 650 directly. And provide the financial transaction authentication interface of the financial transaction authentication information received from the wireless terminal in connection with the financial system after receiving the financial transaction authentication information from the remitter wireless terminal 697. Comparing (or authenticating) the corresponding financial transaction authentication information is provided to authenticate the financial transaction validity between the wireless terminals.

According to an embodiment of the present invention, the financial transaction authentication interface 690 provides a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 697 through a predetermined wireless server 692. Transmitting a wireless message including a callback URL (CallbackURL) for, and when the wireless terminal is connected through the callback UEL, inputs the predetermined financial transaction authentication information to the wireless terminal directly transmitted to the financial company server 650 Providing a predetermined financial transaction authentication interface, receiving the financial transaction authentication information from the remitter wireless terminal 697, and in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the ledger D. Compare (or authenticate) the corresponding financial transaction authentication information provided in / B to authenticate the validity of the financial transaction between the wireless terminals. It is good.

Referring to FIG. 6, the financial institution server 650 may perform financial inter-terminal finance corresponding to the financial transaction processing information after the validity of the financial transaction processing information and / or the validity of the financial transaction authentication information is authenticated. If the transaction includes a financial transaction to withdraw (or transfer) a predetermined amount from the remitter's financial account, a predetermined virtual account is opened in connection with the financial system, and the withdrawal (or transfer) of the transaction amount from the remitter's financial account. A virtual account processor 665 for processing the deposit into the opened virtual account and a preliminary full text of the financial transaction for transferring the transaction amount transferred from the remitter's financial account to the virtual account to the recipient's financial account. The professional generation unit 670 and the professional transmission unit 675 for transmitting the financial transaction preliminary full text to the communication company server 600, Characterized in that made.

According to another embodiment of the present invention, when the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the full text generation unit 670 ) Is characterized in that to generate a preliminary full text financial transaction corresponding to the financial transaction processing information, the full text transmission unit 675 transmits the preliminary full text financial transaction to the communication company server 600. .

Conditions for processing a financial transaction between the wireless terminals based on the financial transaction processing information are satisfied (eg, validity of the financial transaction processing information and / or validity of the financial transaction authentication information is authenticated), and When the financial transaction between the wireless terminals corresponding to the financial transaction processing information includes a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processing unit 665 uses a predetermined real account as a parent account. And a real account corresponding to the parent account of the virtual account is the financial company account, the telecommunication company account, or the financial transaction management account between the wireless terminals, or the remitter financial account, or the recipient financial account. It is preferable to comprise any one of them.

Thereafter, the virtual account processor 665 may withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the virtual account.

According to the method of the present invention, the virtual account processing unit 665 preferably maintains the transaction amount deposited into the virtual account for a predetermined period of time, and if the recipient does not confirm the financial transaction within the period, the virtual It is preferable to remit the amount of money deposited in the account to the financial account.

When the transaction amount is deposited into the virtual account, the full text generation unit 670 generates a preliminary full financial transaction to transfer the transaction amount deposited from the remitter financial account to the virtual account to the beneficiary financial account. Characterized in that.

Here, the preliminary financial transaction preamble is a specialty for depositing the amount deposited in the virtual account by the financial company, including the virtual account information, the beneficiary financial account information, and the transaction amount information, into the beneficiary financial account. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

According to another exemplary embodiment of the present invention, a condition for processing a financial transaction between wireless terminals is satisfied based on the financial transaction processing information (eg, the validity of the financial transaction processing information and / or the financial transaction authentication information). Although the validity is verified), when the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processing unit 665 Opening the virtual account, withdraw (or transfer) the transaction amount from the remitter financial account may not perform a function of depositing the virtual account, and thus the present invention is not limited thereto.

When the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the full text generation unit 670 is the financial company server 650. In the predetermined financial transaction preamble for processing the financial transactions between the wireless terminal corresponding to the financial transaction processing information through the financial system.

Here, the preliminary financial transaction preamble is a specialty for the financial company to process a financial transaction corresponding to the financial transaction processing information, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the channel and the non-face-to-face financial transaction channel.

The specialized transmission unit 675 transmits the generated financial transaction preliminary preamble to the communication company server 600 through the communication means, and then the financial preliminary preamble is requested from the communication company server 600 by a predetermined financial transaction request. When received in full text, it is preferable that the financial transaction corresponding to the full text of the financial transaction request is processed by the financial institution server 650.

Referring to FIG. 6, when the telecommunication company server 600 receives the preliminary full text of the financial transaction from the financial institution server 650 through the communication means and the preliminary full text of the financial transaction is received, A financial transaction confirmation processing a recipient confirmation (or agreement) for a financial transaction between the wireless terminals by providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 699 information included in the financial transaction request message. When the payee confirmation (or agreement) for the financial transaction between the interface unit 630 and the wireless terminal is made, the preliminary full financial transaction is converted into a full financial transaction request message and transmitted to the financial company server 650 through the communication means. A predetermined financial transaction processing corresponding to the full text of the financial transaction request from the financial institution server 650 through the specialized transmission unit 635 and the communication means; Receiving a financial transaction response message including a station, and respectively corresponding to the sender wireless terminal 697 information and the recipient wireless terminal 699 information, the wireless message containing the financial transaction processing history included in the financial transaction response message; Characterized in that it comprises a specialized processing unit 640 for transmitting to the wireless terminal.

When the financial transaction preliminary full text is received from the financial company server 650, the financial transaction confirmation interface unit 630 stores predetermined financial transaction confirmation information (eg, stored) in a wireless terminal corresponding to the recipient wireless terminal 699 information. A predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the receiver wireless terminal 699 information in the medium 645 to be transmitted to the communication company server 600, and providing the receiver wireless terminal ( After receiving the financial transaction confirmation information from 699, the financial transaction confirmation information received from the wireless terminal in connection with the financial system is compared with (or authenticated) the recipient side transaction authentication information stored in the storage medium 645 to perform the It is characterized in that the processing of 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 630 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 699 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 (eg, a storage medium 645 in association with the recipient wireless terminal 699 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 699, 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 payee confirmation (or agreement) for the financial transaction between the wireless terminals is processed by the financial transaction confirmation interface unit 630, the specialized transmission unit 635 receives the financial transaction received through the specialized receiver 625. The preliminary telegram is converted into a financial transaction request telegram transmitted from the telecommunication company server 600 to the financial institution server 650, and is transmitted to the financial institution server 650 through the communication means.

After the financial transaction request message is transmitted to the financial institution server 650 by the specialized transmission unit 635, the professional processing unit 640 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 640 is a wireless terminal corresponding to the information of the remitter wireless terminal 697 and the wireless terminal including the financial transaction processing history contained in the received financial transaction response message, and the recipient wireless terminal 699 The information is transmitted to the wireless terminal.

Referring to FIG. 6, the financial company server 650 may include a full text receiver 625 for receiving the full text of the financial transaction request from the telecommunication company server 600 through the communication means, and the financial transaction in connection with the financial system. And a financial transaction processing unit 685 for processing a predetermined financial transaction corresponding to the request text.

The specialized receiver 625 receives a predetermined financial transaction request telegram matching the preliminary financial transaction transmitted from the financial institution server 650 to the telecommunication company server 600, and the financial transaction processor 685. ) Is configured to process a financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system based on the received financial transaction request message.

According to an exemplary embodiment of the present invention, the money is withdrawn (or transferred) from the remitter's financial account by the virtual account processor 665 to the full financial transaction request and deposited into the payee financial account. When information (eg, virtual account information, beneficiary financial account information, and transaction amount information) is included, the financial transaction processing unit 685 is connected to the financial system in which the virtual account is opened in accordance with the full text of the financial transaction request. Withdrawal (or transfer) the amount of money deposited in the account, characterized in that for processing the financial transactions to deposit to the beneficiary financial account.

According to another exemplary embodiment of the present invention, when the financial transaction request message includes the remitter financial account, the remittee financial account, and the transaction amount, the financial transaction processor 685 is connected to a financial system in which the remitter financial account is opened. It is characterized in that for processing the financial transactions between the wireless terminal corresponding to the full financial transaction request.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 685 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 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 697 information and the recipient wireless terminal 699 information to the wireless terminal. It is preferable.

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 about a predetermined receiver wireless terminal 699 and a transaction amount from the wireless terminal 697 that is a remitter on the financial transaction system between the wireless message-based wireless terminals shown in FIG. When a predetermined financial transaction request message (eg, a Short Message Service or a Multimedia Message Service) including at least one is transmitted, the carrier server 600 and the storage medium 645 are connected with each other. Check the remitter financial account information associated with the remitter wireless terminal 697 information corresponding to the financial transaction request message and the payee financial account information associated with the remittee wireless terminal 699 information; And generating financial transaction processing information including payee financial account information and transaction amount information and transmitting it to the financial company server 650. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the financial transaction request process between the wireless message-based wireless terminals may be inferred by referring to and / or modifying the drawing 7. The present invention includes all the inferred implementation methods, and 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 697 that is a remittance on a financial transaction system between wireless messages based on wireless messages 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 linked with the remitter wireless terminal 697 information is provided among a plurality of financial institutions providing financial transactions between the wireless terminals in connection with the communication company server 600. , 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 697 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 699 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 an amount withdrawn from a financial account associated with the sender's wireless terminal 697 information or an amount deposited into the financial account. 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 may include predetermined authentication information (eg, a password, etc.) to be compared (or authenticated) with the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information. desirable.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 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 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 remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 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 information other than the sender's name, the memo (or message) included in the financial transaction request message is the remitter. It is preferable to include this additional depositor information.

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 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 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 699 information, and the "50000" corresponds to a transaction amount.

Thereafter, the telecommunication 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 699 information and transaction amount information, and the financial transaction request information order is financial institution identifier and receiver wireless terminal 699 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 697. In operation 725, the remitter wireless terminal 697 repeats the financial transaction request message transmission process.

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 beneficiary wireless terminal (699) information consisting of numbers and transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (699) information and transaction amount information, and when the identifier for distinguishing each financial transaction request information is "*", the communication company server 600 is a financial institution of the message information included in the financial transaction request message It is preferable to check whether the identifier is composed of alphabetic characters, check whether the recipient telephone number of the message information is composed of numbers starting with "01x", and check whether the transaction amount of the message information is comprised of numbers within the transaction limit amount. Do.

According to the exemplary embodiment of the present invention, when the financial transaction request information read from the financial transaction request message includes predetermined transaction authentication information, the telecommunication company server 600 is connected to the storage medium 645 to wirelessly transfer the sender. Confirm predetermined transaction authentication information associated with the terminal 697 information (or remitter financial account information), and compare transaction authentication information read from the storage medium 645 with transaction authentication information read from the financial transaction request message. (Or authentication) it is preferable to confirm the validity of the carrier side for the financial transactions between the wireless terminals.

According to an exemplary embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 697 information stored in the storage medium 645 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 communication company server 600 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 645 It is preferable.

According to another embodiment of the present invention, the transaction authentication information stored in the storage medium 645 in association with the remitter wireless terminal 697 information corresponds to the financial account associated with the remitter wireless terminal 697 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 telecommunication company server 600 includes the read financial company financial transaction authentication information and the storage medium 645. It is preferable to compare (or authenticate) financial company financial transaction authentication information stored in the bank.

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 697 transmits the data to the remitter wireless terminal 697. In response thereto, the remitter wireless terminal 697 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 is a remitter wireless terminal 697 information corresponding to the financial transaction request information from the storage medium 645 and the recipient wireless terminal ( 699) extracting the remitter financial account information and the beneficiary financial account information corresponding to the information (740), the financial information including the extracted remitter financial account information and the recipient financial account information and the transaction amount information included in the financial transaction request information; Generating transaction processing information (745), wherein the financial transaction processing information is preferably made of the communication server server 600 and the financial company server 650 includes a communication protocol structure.

According to an embodiment of the present invention, when the financial company server 650 authenticates the financial transaction validity between the wireless terminals, the financial transaction processing information may be linked to the remitter wireless terminal 697 at the financial company server 650. Preferably, the remittance wireless terminal 697 information is further included to authenticate the financial transaction validity between the wireless terminals.

According to another embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, and financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 650. ), The financial transaction processing information further includes the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 650.

According to another exemplary embodiment of the present invention, the financial transaction request message includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the communication company server 600. ), The financial transaction processing information may omit the remitter wireless terminal 697 information, or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Thereafter, the communication company server 600 transmits the generated financial transaction processing information to the financial company server 650 (750).

8A is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless message-based wireless terminals according to an embodiment of the present invention.

In more detail, FIG. 8A illustrates the financial company server 650 by performing a financial transaction request process between wireless terminals shown in FIG. 7 in a communication company server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. ) Transmits the financial transaction processing information including the remitter financial account information, the payee financial account information, the transaction amount information, and the remitter wireless terminal 697 information, the financial company server 650 based on the financial transaction processing information. The process of authenticating a financial transaction validity between the wireless terminals and generating a predetermined financial transaction preamble including the financial transaction processing information. Specifically, after authentication of the financial transaction between the wireless terminals, a predetermined virtual account is created. Through the process of generating a financial transaction preliminary full text processing financial transactions between the wireless terminal through.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8a to infer various implementation methods for the financial transaction authentication and preliminary full text generation process between the wireless message-based wireless terminals. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a financial transaction authentication process between wireless terminals in which the financial transaction processing information is included in the financial transaction processing information by referring to and / or modifying the drawing 8a. Or may infer the financial transaction authentication process between the wireless terminal including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial transaction processing information. It is characterized by comprising.

Referring to FIG. 8A, the financial institution server 650 performs a financial transaction request process between wireless terminals shown in FIG. 7 in a communication company server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. 6. When the financial transaction processing information is transmitted, the financial institution server 650 receives the financial transaction processing information from the telecommunication company server 600 (800a), and confirms the validity of the received financial transaction processing information ( 805a).

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity of the financial transaction processing information may be determined by the financial company financial transaction included in the financial transaction processing information in connection with the financial system. Preferably, the method includes comparing (or authenticating) authentication information with 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 remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction processing information is not confirmed (810a), the financial institution server 650 generates predetermined financial transaction error information and transmits it to the communication company server 600 (815a), and the communication company server 600 Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction processing information is confirmed (815a), the financial institution server 650 is the remitter wireless terminal 697 through the information of the remitter wireless terminal 697 included in the received financial transaction processing information. In operation 820a, the remitter wireless terminal 697 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial institution server 650. In step 825a, the financial institution server 650 receives the financial transaction authentication information from the remitter wireless terminal 697 and confirms the validity of the financial transaction between the wireless terminals (830a).

According to an embodiment of the present invention, the financial institution server 650 is a wireless terminal corresponding to the information of the wireless terminal 697 that is the remitter in connection with a predetermined wireless server 692, and the predetermined financial transaction authentication information (eg, an account password). A financial transaction authentication interface for inputting a financial transaction password, security card information, etc.) to be directly transmitted to the financial institution server 650, and receiving the financial transaction authentication information from the remitter wireless terminal 697. Thereafter, in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the corresponding financial transaction authentication information included in the ledger D / B are compared (or authenticated) to authenticate the financial transaction validity between the wireless terminals. desirable.

For example, the financial institution server 650 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the wireless terminal 697 that is the remitter through a predetermined wireless server 692. When the wireless terminal transmits a wireless message and the wireless terminal accesses through the callback UL, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 650. And after receiving the financial transaction authentication information from the remitter wireless terminal 697, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication provided in the ledger D / B. It is preferable to authenticate the financial transaction validity between the wireless terminals by comparing (or authenticating) the information.

If the validity of the financial transaction between the wireless terminals is not authenticated (835a), the financial institution server 650 generates predetermined financial transaction error information and transmits the predetermined financial transaction error information to the communication company server 600 (815a), and the communication company server 600 Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction between the wireless terminals is not authenticated (835a), the financial institution server 650 opens a virtual account having a predetermined real account as a parent account for the financial transactions between the wireless terminals (840a), where the The real account corresponding to the parent account of the virtual account may include any one of the financial company account, the telecommunication company account, the financial transaction management account between the wireless terminals, the remitter financial account, or the payee financial account.

If a virtual account for financial transactions between the wireless terminals is established (845a), the financial institution server 650 withdraws (or transfers) the transaction amount from the remitter financial account in connection with the financial system in which the virtual account is opened. The deposit is processed to the opened virtual account (850a).

If the transaction amount deposit is confirmed from the remitter financial account to the virtual account (855a), the financial institution server 650 withdraws (or transfers) the transaction amount from the virtual account to deposit to the payee financial account. Generate a predetermined financial transaction preamble (860a).

Here, the preliminary financial transaction preamble is a specialty for depositing the amount deposited in the virtual account by the financial company, including the virtual account information, the beneficiary financial account information, and the transaction amount information, into the beneficiary financial account. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

Thereafter, the financial company server 650 transmits the generated financial transaction preliminary preamble to the communication company server 600 through the communication means (865a), and then the financial preliminary preamble is predetermined from the communication company server 600. When the financial transaction request is received in full, it is preferable that the financial transaction corresponding to the full financial transaction request is processed by the financial company server 650.

8b is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless message-based wireless terminals according to another embodiment of the present invention.

In more detail, FIG. 8B illustrates the financial company server 650 by performing a financial transaction request process between wireless terminals shown in FIG. 7 in a communication server server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. ) Transmits the financial transaction processing information including the remitter financial account information, the payee financial account information, the transaction amount information, and the remitter wireless terminal 697 information, the financial company server 650 based on the financial transaction processing information. The process of authenticating a financial transaction validity between the wireless terminals and generating a predetermined financial transaction preamble including the financial transaction processing information. Specifically, after authentication of the financial transaction between the wireless terminals, a predetermined virtual account is created. The present invention relates to a process of generating a preliminary financial transaction text for processing financial transactions between wireless terminals without using.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8b to infer various implementation methods for the financial transaction authentication and preliminary full text generation process between the wireless message-based wireless terminals. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG. 8B.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 8b to perform a financial transaction authentication process between wireless terminals in which the financial transaction processing information includes the financial company financial transaction authentication information. Or may infer the financial transaction authentication process between the wireless terminal including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial transaction processing information. It is characterized by comprising.

Referring to FIG. 8B, the financial company server 650 performs a financial transaction request process between wireless terminals shown in FIG. 7 in a communication company server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. 6. When the financial transaction processing information is transmitted, the financial institution server 650 receives the financial transaction processing information from the telecommunication company server 600 (800b) and confirms the validity of the received financial transaction processing information ( 805b).

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity of the financial transaction processing information is linked to the financial system, and the financial company financial information included in the financial transaction processing information is included. 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 remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction processing information is not confirmed (810b), the financial institution server 650 generates predetermined financial transaction error information and transmits it to the communication company server 600 (815b), and the communication company server 600 Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction processing information is confirmed (815b), the financial institution server 650 is the remitter wireless terminal 697 through the information of the remitter wireless terminal 697 included in the received financial transaction processing information. In operation 820b, the remitter wireless terminal 697 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial institution server 650. In step 825b, the financial institution server 650 receives the financial transaction authentication information from the remitter wireless terminal 697 and confirms the validity of the financial transaction between the wireless terminals (830b).

According to an embodiment of the present invention, the financial institution server 650 is a wireless terminal corresponding to the information of the wireless terminal 697 that is the remitter in connection with a predetermined wireless server 692, and the predetermined financial transaction authentication information (eg, an account password). A financial transaction authentication interface for inputting a financial transaction password, security card information, etc.) to be directly transmitted to the financial institution server 650, and receiving the financial transaction authentication information from the remitter wireless terminal 697. Thereafter, in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the corresponding financial transaction authentication information included in the ledger D / B are compared (or authenticated) to authenticate the financial transaction validity between the wireless terminals. desirable.

For example, the financial institution server 650 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the wireless terminal 697 that is the remitter through a predetermined wireless server 692. When the wireless terminal transmits a wireless message and the wireless terminal accesses through the callback UL, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 650. And after receiving the financial transaction authentication information from the remitter wireless terminal 697, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. It is preferable to authenticate (or authenticate) the financial transaction validity between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (835b), the financial institution server 650 generates predetermined financial transaction error information and transmits the predetermined financial transaction error information to the communication company server 600 (815b), and the communication company server 600 Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction between wireless terminals is not authenticated (835b), the financial institution server 650 reserves a predetermined financial transaction for processing the financial transaction between wireless terminals corresponding to the financial transaction processing information through the financial system. Generate a full text (840b).

Here, the preliminary financial transaction preamble is a specialty for the financial company to process a financial transaction corresponding to the financial transaction processing information, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the channel and the non-face-to-face financial transaction channel.

Thereafter, the financial company server 650 transmits the generated financial transaction preliminary preamble to the communication company server 600 through the communication means (845b), and then the financial preliminary preamble is predetermined from the communication company server 600. When the financial transaction request is received in full, it is preferable that the financial transaction corresponding to the full financial transaction request is processed by the financial company server 650.

9 is a diagram illustrating a process of processing a financial transaction request between wireless messages-based wireless terminals according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates financial transaction authentication and preliminary full text generation between the wireless terminals shown in FIGS. 8A and / or 8B in a financial institution server 650 on the wireless message-based wireless terminal-based financial transaction system shown in FIG. After performing the process and transmitting to the telecommunication company server 600, after the financial transaction confirmation (or agreement) processing through the payee wireless terminal 699 in the telecommunication company server 600, the financial transaction preliminary preamble to a predetermined financial transaction As a process for transmitting the request to the financial institution server 650, specifically, the financial transaction confirmation (or agreement) process is processed in association with the recipient wireless terminal 699 information in the storage medium 645 It is about an implementation method made through the stored communication company financial transaction authentication information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for the financial transaction request professional processing process between the wireless message-based wireless terminals. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 9 to confirm the financial transaction (or agreement) with the recipient wireless terminal 699 to confirm a predetermined financial transaction. It would be possible to infer an implementation method comprising transmitting a message, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 9, a financial transaction authentication and preliminary full text generation process between wireless terminals shown in FIGS. 8A and / or 8B is performed by a financial institution server 650 on a wireless message-based inter-terminal financial transaction system shown in FIG. 6. After performing the transmission to the telecommunication company server 600, the telecommunication company server 600 receives the preliminary full financial transaction from the financial company server 650, and confirms the information on the predetermined recipient wireless terminal 699 (900). ).

Here, the receiver wireless terminal 699 information is preferably confirmed from the financial transaction request information received by the communication company server 600 in the financial transaction request process between the wireless terminal shown in FIG.

Thereafter, the communication company server 600 provides a predetermined financial transaction confirmation interface to the remitter wireless terminal 697 through the receiver wireless terminal 699 information (905), and correspondingly the remitter wireless terminal 697. Inputs predetermined financial transaction confirmation information (for example, information corresponding to the stored communication company-side financial transaction authentication information in association with the recipient wireless terminal 699 information) to the storage medium 645 through the financial transaction confirmation interface. (Or selects) and transmits the data to the telecommunication company server 600 (910), and the telecommunication company server 600 receives the financial transaction confirmation information from the remitter wireless terminal 697 to receive a payment for the financial transaction between the wireless terminals. Confirmation (or consent) is confirmed (915).

According to an embodiment of the present invention, the telecommunication company server 600 is a wireless terminal corresponding to the recipient wireless terminal 699 information, the financial transaction confirmation information (for example, the storage medium 645 to the recipient wireless terminal 699) ) Provides a predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the information) to be transmitted to the telecommunication company server 600, and receives the financial transaction confirmation information from the payee wireless terminal 699. 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 and the recipient transaction authentication information stored in the storage medium 645. Is preferred.

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 699 information, and the wireless terminal. When the user connects through the callback UL, the mobile terminal inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 699 information) to the storage medium 645. Providing a predetermined financial transaction confirming interface for transmitting to the 600, receiving the financial transaction confirming information from the payee wireless terminal 699, 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 (920), the communication company server 600 generates predetermined financial transaction error information and transmits it to the recipient wireless terminal 699 (925), and the communication company server 600 Repeat the process of receiving the financial transaction processing information from the).

If the validity of the financial transaction confirmation information is authenticated (920), the telecommunication company server 600 in the process of requesting the financial transaction between the wireless terminals in the preliminary full financial transaction received from the financial institution server 650 shown in FIG. Conversion to the financial transaction request message corresponding to the financial transaction request information received by the communication company server 600 (930), and transmits the financial transaction request message to the financial company server 650 through the communication means (935) ).

10 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. 10 illustrates the financial institution server through the professional transaction processing of the financial transaction request between wireless terminals shown in FIG. 9 in the communication server server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. When the predetermined financial transaction request message is transmitted to 650, the financial company server 650 processes a financial transaction between wireless terminals corresponding to the financial transaction request message, which is common in the art. Those skilled in the art will be able to infer various implementation methods for the financial transaction processing process between the wireless message-based wireless terminals by referring to and / or modifying the drawing 10, but the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method illustrated in FIG. 10.

Referring to FIG. 10, the financial institution server 600 performs a specialized transaction processing request for financial transactions between wireless terminals shown in FIG. 9 in a communication company server 600 on the wireless message-based wireless terminal financial transaction system shown in FIG. 6. When the predetermined financial transaction request message is transmitted to 650, the financial company server 650 receives the financial transaction request message from the communication company server 600 through the communication means, and validates the validity of the financial transaction request message. Check (1000).

In this case, the validity check for the full text of the financial transaction request may include a process of authenticating the financial transaction between the wireless terminals and generating a preliminary full text message, which are received from the communication server server 600, shown in FIGS. 8A and / or 8B. It is preferable that the financial company server 650 through the financial transaction server 600 to check whether the match with the preliminary full financial transaction.

If the validity of the financial transaction request message is not confirmed (1005), the financial company server 650 generates the financial transaction request message error information and transmits it to the communication company server 600 (1010), and the communication company server Repeat the process of receiving the full financial transaction request from (600).

On the other hand, if the validity of the financial transaction request message is confirmed (1005), the financial institution server 650 processes the financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system (1015).

According to an embodiment of the present invention, when the financial transaction request message includes the virtual account information, the beneficiary financial account information, and the transaction amount information, the financial company server 650 may be connected to a financial system in which the virtual account is opened. According to the financial transaction request, the withdrawal (or transfer) of the amount deposited in the virtual account is characterized in that for processing the financial transaction to deposit to the recipient financial account.

According to another exemplary embodiment of the present invention, when the financial transaction request message includes the remitter financial account, the remittee financial account, and the transaction amount, the financial transaction processor 685 is connected to a financial system in which the remitter financial account is opened. It is characterized in that for processing the financial transactions between the wireless terminal corresponding to the full financial transaction request.

If the financial transaction between the wireless terminals is processed (1020), 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 (1025), The financial transaction response message including the financial transaction processing details is transmitted to the communication company server 600 through the communication means (1030), and correspondingly, the communication company server 600 includes a predetermined information including the financial transaction processing history. A financial transaction processing message is generated (1035), and the generated financial transaction processing message is transmitted to the sender wireless terminal 697 and the receiver wireless terminal 699 (1040).

11 is a diagram showing the configuration of a financial transaction system between wireless terminals based on wireless Internet according to an embodiment of the present invention.

In more detail, in FIG. 11, the information retrieval system shown in FIG. 1 and / or FIG. 3 provides the information regarding the remittee wireless terminal 1197 and the receiver wireless terminal 1199 to the carrier storage medium 1150, respectively. After the financial transaction registration information between the wireless terminals is registered, the wireless terminal corresponding to the remitter wireless terminal (1197) information is connected to the communication company server 1100 a predetermined recipient wireless terminal for the financial transaction between the wireless terminals (1199) When the financial transaction request information including at least one or more information and the transaction amount is transmitted, the communication server server 1100 is configured to process the financial transaction between the wireless terminal in connection with a predetermined financial company server 1155 As described above, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to exchange the wireless Internet-based wireless terminal. Would be able to infer a variety of exemplary methods for the transaction, 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 11.

In the wireless Internet-based wireless terminal financial transaction system according to the embodiment shown in FIG. 11, the remitter wirelessly registers the financial transaction registration information between the wireless terminals through the information registration system shown in FIG. 1 and / or FIG. A wireless terminal including at least one terminal 1197 and at least one recipient wireless terminal 1199, and a wireless internet connection through the wireless terminal and a predetermined wireless communication network, and predetermined from the remitter wireless terminal 1197 via the wireless communication network. After receiving the financial transaction request information, the communication company server 1100 for requesting the financial transaction between the wireless terminal to a predetermined financial company server 1155 based on the financial transaction request information, and the communication company server 1100 and the predetermined The communication server through a communication means (e.g., a dedicated communication network, an encryption-based secure communication network, or a communication network equipped with a dedicated communication protocol). It is characterized in that it comprises a financial company server (1155) for processing the financial transactions between the wireless terminal requested from (1100).

The wireless terminal has a function of transmitting and receiving at least one or more wireless Internet (eg, a Short Message Service or a Multimedia Message Service) through a predetermined wireless communication network, and the communication company server 1100 and / or Output at least one interface screen provided by the financial company server 1155, and input the 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 to provide the interface screen A browser program (or a messenger program, a financial transaction program, etc.) transmitted to the telecommunication company server 1100 and / or the financial company server 1155 is 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 1100 or accessed from the communication company server 1100. It is characterized in that it is provided on the network as possible.

According to the exemplary embodiment of the present invention, the financial transaction registration information stored in the storage medium 1150 may include at least one of predetermined customer information, wireless terminal information, financial account information, and transaction authentication information. Do.

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 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 (1197), or the receiver wireless terminal (1199) information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is a receiver wireless terminal 1199 information, and the on-line store that handles payment through the financial transaction between the receiver wireless terminal, the receiver wireless terminal (1199) 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 the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

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.

According to the method of the present invention, the transaction authentication information is preferably matched with the transaction authentication information corresponding to the remitter financial account in the financial transaction process between the wireless terminals.

According to the present invention, the telecommunication company server 1100 may include an interface unit 1105 for connecting at least one wireless terminal with a wireless Internet communication channel according to a predetermined wireless Internet protocol provided on a wireless communication network, and the interface unit 1105. Input the financial transaction request information including at least one predetermined financial institution identifier, the recipient wireless terminal 1199 information, the transaction amount information, the transaction authentication information, and various memos (or messages) to the wireless terminal in association with the wireless terminal; An interface providing unit 1110 for providing a financial transaction interface for transmitting and transmitting the selected information, and the financial institution identifier and the recipient wireless terminal 1199 information and transaction amount information from the wireless terminal in association with the interface unit 1105; Receive financial transaction request information including at least one transaction authentication information and various memos (or messages), And an information receiving unit 1115 for reading the information of the wireless terminal 1197, which is the remitter which transmitted the financial transaction request information, in association with the interface unit 1105.

The interface unit 1105 connects the remitter wireless terminal 1197 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and the communication defined in the communication program included in the remitter wireless terminal 1197. 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 1197 of the remitter, the interface unit 1105 may transmit the remitter based on the CDMA protocol. Connects a communication channel with the wireless terminal 1 197 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 interface unit 1105 connects the remittance wireless terminal 1197 and a predetermined communication channel according to each 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 1110 may input financial transaction request information including at least one predetermined financial institution identifier and a beneficiary wireless terminal 1199 information, transaction amount information, transaction authentication information, and various memos (or messages). Generate at least one user interface to be transmitted), and / or extract from a predetermined database (not shown), and at least one user interface generated (or extracted) in conjunction with the interface unit 1105. The financial transaction interface including the above is provided to the remitter wireless terminal 1197 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 1197 and transmitting the information to the telecommunication company server 1100 through the wireless communication network is provided. When a predetermined program is provided, the wireless terminal 1197 of the remitter of the 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 1100 as described above. The interface providing unit 1110 may be omitted. Thus, the present invention is not limited thereto.

Financial transaction request information including at least one or more financial institution identifier and recipient wireless terminal 1199 information, transaction amount information, transaction authentication information, and various memos (or messages) through the financial transaction interface in the remitter wireless terminal 1197; When inputting (or selecting) and transmitting, the information receiver 1115 receives the financial transaction request information in association with the interface unit 1105.

Preferably, the financial institution identifier included in the financial transaction request information includes at least one of numbers, letters, symbols, etc., which can be input through a key input device provided in the wireless terminal, and the communication company server 1100. A unique number (or unique code, or unique string) identifying a financial institution having a financial account associated with the remitter's wireless terminal 1197 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 1100, or information about the wireless terminal 1197 which is the remittance to the storage medium 1150; When the financial institution providing the financial transaction between the wireless terminals can be identified in connection with the telecommunication company server 1100 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 1199 information included in the financial transaction request information corresponds to a financial transaction target between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 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 1150.

The transaction amount information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. Preferably, the transaction amount information includes at least one of an amount withdrawn from a financial account associated with the remitter wireless terminal 1197 information or an amount deposited into the financial account in the storage medium 1150. .

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 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. Preferably, the storage medium 1150 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 1197 information.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 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 1150.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 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 1150. It is preferable that the financial company includes financial transaction authentication information.

When the transaction authentication information is omitted in the storage medium 1150 according to another embodiment of the present invention, it is preferable that the transaction authentication information is omitted in the financial transaction request information, thereby limiting the present invention. 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 1100 in association with a financial company server 1155 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 (1155).

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 1115 reads out the wireless terminal 1197 information of the remitter which transmitted the financial transaction request information from the communication channel information corresponding to the wireless terminal 1197 that is the remitter in association with the interface unit 1105. It is characterized by.

Referring to FIG. 11, when the at least one financial transaction request information is received through the information receiving unit 1115, and the wireless terminal 1197 information, which is the remittance, is read, the storage medium. Checks the remitter financial account information associated with the read remitter wireless terminal 1197 information from 1150, and receives information from the remittee wireless terminal 1199 included in the financial transaction request information read from the storage medium 1150; A predetermined financial transaction processing information including the remittee financial account information, the beneficiary financial account information, and the transaction amount information through a predetermined communication means; It is characterized in that it comprises an information transmission unit 1125 for transmitting to the financial institution server (1155).

The information checking unit 1120 is a remitter financial account associated with the readout of the remitter wireless terminal 1197 information in connection with the storage medium 1150 registered through the information registration system shown in FIG. 1 and / or FIG. And confirming the payee financial account information associated with the payee wireless terminal 1199 information included in the received financial transaction request information in connection with the storage medium 1150.

According to the exemplary embodiment of the present invention, when the received predetermined transaction authentication information is read, the information confirming unit 1120 is connected to the storage medium 1150 to transmit the wireless terminal 1197 information (or remitter's financial account). Information regarding the predetermined transaction authentication information, and compares (or authenticates) the transaction authentication information checked from the storage medium 1150 with the received transaction authentication information to the communication company side for the financial transaction between the wireless terminals. It is desirable to check the validity.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 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 information verification unit 1120 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 (1150) It is desirable to.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 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 information checking unit 1120 may include the read financial company financial transaction authentication information and the storage medium ( It is preferable to compare (or authenticate) financial company financial transaction authentication information stored at 1150.

When the remitter financial account information and the beneficiary financial account information are confirmed through the information checking unit 1120, the information transmitting unit 1125 determines the remitter financial account information and the recipient financial account information and the received transaction amount information. Generate predetermined financial transaction processing information, and transmit the generated financial transaction processing information to the financial company server 1155 through a predetermined communication means, wherein the financial transaction processing information is the communication company; Preferably, the server 1100 and the financial institution server 1155 include a communication protocol structure.

When the financial company server 1155 authenticates the financial transaction validity between the wireless terminals according to an embodiment of the present invention, the financial transaction processing information is linked to the remitter wireless terminal 1197 by the financial company server 1155. Preferably, the remitter is configured to further include wireless terminal 1197 information for authenticating the financial transaction validity between the wireless terminals.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, and the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 1155. ), The financial transaction processing information further comprises the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 1155.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the telecommunication company server 1100. ), The financial transaction processing information may omit the remitter wireless terminal 1 197 information or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Referring to FIG. 11, the financial company server 1155 receives financial transaction processing information including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the communication company server 1100 through the communication means. And an information receiving unit 1160 and a validity confirming unit 1165 for checking the validity of the financial transaction processing information. The financial transaction processing information further includes information about the wireless terminal 1197 which is the remittance. In this case, the financial transaction between the wireless terminals is effective by providing a predetermined financial transaction authentication interface with the remitter wireless terminal 1197 information in connection with a predetermined wireless server 1196 based on the remitter wireless terminal 1197 information. And a financial transaction authentication interface unit 1195 for authenticating the surname.

And the information receiving unit 1160 receives financial transaction processing information including the remitter financial account information, the beneficiary financial account information, and the transaction amount information from the telecommunication company server 1100 through the communication means. In accordance with the financial transaction processing information to the wireless terminal (1197) information of the remitter is further included, or the predetermined financial company financial transaction authentication information is further received.

When the financial transaction processing information is received through the information receiving unit 1160, the validity confirming unit 1165 is connected to the financial transaction processing information in connection with a financial system equipped with a remitter financial account included in the financial transaction processing information. It is characterized by checking the validity.

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with 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 remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

When the financial transaction processing information received through the information receiving unit 1160 further includes the remitter wireless terminal 1197 information, the financial transaction authentication interface unit 1195 is connected to a predetermined wireless server 1196. A predetermined financial transaction authentication information (e.g., account password, financial transaction password, security card information, etc.) is input to the wireless terminal corresponding to the information of the remitter wireless terminal 1197 and transmitted to the financial institution server 1155 directly. After providing the financial transaction authentication interface, and receives the financial transaction authentication information from the remitter wireless terminal (1197), the financial transaction authentication information received from the wireless terminal and the ledger D / B in connection with the financial system Comparing (or authenticating) the corresponding financial transaction authentication information is provided to authenticate the financial transaction validity between the wireless terminals.

According to an exemplary embodiment of the present invention, the financial transaction authentication interface unit 1195 provides a predetermined financial transaction authentication interface to a wireless terminal corresponding to the remitter wireless terminal 1197 information through a predetermined wireless server 1196. Transmitting a wireless message including a callback URL (CallbackURL) for, and when the wireless terminal is connected through the callback UEL, to input the predetermined financial transaction authentication information to the wireless terminal to transmit directly to the financial company server (1155) Provide a predetermined financial transaction authentication interface, receive the financial transaction authentication information from the remitter wireless terminal 1197, and then connect with the financial system to receive the financial transaction authentication information and the ledger D / Comparing (or authenticating) the corresponding financial transaction authentication information provided in B to authenticate the financial transaction validity between the wireless terminals. desirable.

Referring to FIG. 11, after the financial company server 1155 is authenticated with the validity of the financial transaction processing information and / or the validity of the financial transaction authentication information, the financial company server 1155 finances between wireless terminals corresponding to the financial transaction processing information. If the transaction includes a financial transaction to withdraw (or transfer) a predetermined amount from the remitter's financial account, a predetermined virtual account is opened in connection with the financial system, and the withdrawal (or transfer) of the transaction amount from the remitter's financial account. And a virtual account processing unit 1170 for depositing the opened virtual account and transferring the transaction amount transferred from the remitter financial account to the virtual account to the recipient financial account for depositing the preamble. It is provided with a full text generation unit 1175 to generate, and a full text transmission unit 1180 for transmitting the preliminary full text of the financial transaction to the communication company server 1100. Characterized in that made.

According to another embodiment of the present invention, when the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the full text generation unit 1175 ) Is characterized in that to generate a preliminary financial transaction corresponding to the financial transaction processing information, the specialized transmission unit 1180 is characterized in that for transmitting the financial transaction preliminary full text to the communication company server (1100).

Conditions for processing a financial transaction between the wireless terminals based on the financial transaction processing information are satisfied (eg, validity of the financial transaction processing information and / or validity of the financial transaction authentication information is authenticated), and When the financial transaction between the wireless terminals corresponding to the financial transaction processing information includes a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processing unit 1170 uses a predetermined real account as a parent account. And a real account corresponding to the parent account of the virtual account is the financial company account, or the telecommunication company account, the financial transaction management account between the wireless terminals, or the remitter financial account, or the recipient financial account. It is preferable to comprise any one of them.

Thereafter, the virtual account processor 1170 may withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the virtual account.

According to an embodiment of the present invention, the virtual account processor 1170 preferably maintains the transaction amount deposited into the virtual account for a predetermined period, and if the recipient does not confirm the financial transaction within the period, the virtual account It is preferable that the remittance of the amount deposited in the account is returned to the financial account.

When the transaction amount is deposited into the virtual account, the full text generation unit 1175 generates a preliminary full financial transaction to transfer the transaction amount deposited from the remitter financial account into the virtual account to the beneficiary financial account. Characterized in that.

Here, the preliminary financial transaction preamble is a specialty for depositing the amount deposited in the virtual account by the financial company, including the virtual account information, the beneficiary financial account information, and the transaction amount information, into the beneficiary financial account. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

According to another exemplary embodiment of the present invention, a condition for processing a financial transaction between wireless terminals is satisfied based on the financial transaction processing information (eg, the validity of the financial transaction processing information and / or the financial transaction authentication information). Although the validity is verified), the virtual account processing unit 1170, if the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter financial account. Opening the virtual account, and withdraws (or transfers) the transaction amount from the remitter financial account may not perform a function of depositing the virtual account, and thus, the present invention is not limited thereto.

When the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the full text generation unit 1175 may include the financial company server 1155. In the predetermined financial transaction preamble for processing the financial transactions between the wireless terminal corresponding to the financial transaction processing information through the financial system.

Here, the preliminary financial transaction preamble is a specialty for the financial company to process a financial transaction corresponding to the financial transaction processing information, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferred to include a specialized structure for processing the at least one financial transaction through any one of the channel and non-face-to-face financial transaction channel.

The specialized transmission unit 1180 transmits the generated financial transaction preliminary preamble to the communication company server 1100 through the communication means, and then the financial preliminary preamble is requested from the communication company server 1100 by a predetermined financial transaction. When received in full text, it is preferable that the financial transaction corresponding to the full text of the financial transaction request is processed by the financial institution server 1155.

Referring to FIG. 11, when the telecommunication company server 1100 receives the full text transaction preamble 1130 for receiving the preliminary full text of the financial transaction from the financial company server 1155 through the communication means, and receives the preliminary full text of the financial transaction, A financial transaction confirmation for processing a recipient confirmation (or agreement) for a financial transaction between the wireless terminals by providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the receiver wireless terminal 1199 information included in the financial transaction request information. When the payee confirmation (or agreement) for the financial transaction between the interface unit 1105 and the wireless terminal is made, the preliminary full financial transaction is converted into a full financial transaction request message and transmitted to the financial company server 1155 through the communication means. A predetermined financial transaction corresponding to the full text of the financial transaction request from the financial institution server 1155 through the specialized transmission unit 1180 and the communication means Receive a financial transaction response message including a transaction history, and transmits a wireless message including the financial transaction processing history included in the financial transaction response message corresponding to the sender wireless terminal (1197) information and the recipient wireless terminal (1199) information; Characterized in that it comprises a specialized processing unit 1145 for transmitting to each wireless terminal.

When the financial transaction preliminary text is received from the financial company server 1155, the financial transaction confirmation interface unit 1135 may store predetermined financial transaction confirmation information (for example, storage) with a wireless terminal corresponding to the recipient wireless terminal 1199 information. A predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the receiver wireless terminal 1199 information on the medium 1150 to be transmitted to the telecommunication company server 1100, and the receiver wireless terminal 1199. After receiving the financial transaction confirmation information from), the financial transaction confirmation information received from the wireless terminal in connection with the financial system and compares (or authenticates) the recipient side transaction authentication information stored in the storage medium 1150 to the wireless Characterized in that the processing of the recipient confirmation (or agreement) for the financial transaction between the terminals.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 1135 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 1199 information. When a wireless message is transmitted and the wireless terminal accesses through the callback UE, the wireless terminal stores predetermined financial transaction confirmation information (eg, stored in the storage medium 1150 in association with the recipient wireless terminal 1199 information). Provide a predetermined financial transaction confirmation interface for inputting the transaction authentication information) to the communication company server 1100, receive the financial transaction confirmation information from the payee wireless terminal 1199, and then link with the financial system. By comparing the financial transaction confirmation information received from the wireless terminal and the transaction authentication information of the recipient side stored in the storage medium (1150) (or It is preferable to process the recipient confirmation (or consent) for the financial transaction between the wireless terminals.

When the recipient confirmation (or agreement) for the financial transaction between the wireless terminals is processed by the financial transaction confirmation interface unit 1135, the specialized transmission unit 1180 reserves the financial transaction received through the specialized reception unit 1185. Characterized in that the transfer to the financial transaction request telegraph transmitted from the communication company server 1100 to the financial company server 1155, characterized in that for transmitting to the financial company server 1155 through the communication means.

After the financial transaction request telegram is transmitted to the financial institution server 1155 by the specialized transmission unit 1180, the professional processing unit 1145 transmits the financial transaction request telegram from the financial institution server 1155 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, it is preferable that the financial transaction processing details include any one of predetermined financial transaction approval information or financial transaction error information.

In addition, the specialized processing unit 1145 is a wireless terminal corresponding to the information of the wireless terminal 1197 of the remitter of the wireless transaction including the financial transaction processing history contained in the received full financial transaction response, and the recipient wireless terminal (1199) The information is transmitted to the wireless terminal.

Referring to FIG. 11, the financial company server 1155 may include a specialized receiver 1185 for receiving the full text of a financial transaction request from the communication company server 1100 through the communication means, and the financial transaction in connection with the financial system. And a financial transaction processing unit 1190 for processing a predetermined financial transaction corresponding to the request text.

The specialized receiving unit 1185 receives a predetermined financial transaction request message matching the preliminary financial transaction message transmitted from the financial company server 1155 to the communication company server 1100, and the financial transaction processing unit 1190. ) Is configured to process a financial transaction between wireless terminals corresponding to the financial transaction request message in connection with the financial system based on the received financial transaction request message.

According to an exemplary embodiment of the present invention, the virtual account processing unit 1170 is withdrawn (or transferred) from the remitter's financial account to the full financial transaction request to deposit the amount deposited in the virtual account into the payee financial account. When information (eg, virtual account information, beneficiary financial account information, and transaction amount information) is included, the financial transaction processing unit 1190 connects with the financial system in which the virtual account is opened in accordance with the full text of the financial transaction request. Withdrawal (or transfer) the amount of money deposited in the account, characterized in that for processing the financial transactions to deposit to the beneficiary financial account.

According to another embodiment of the present invention, when the financial transaction request message includes the remitter financial account, the remittee financial account, and the transaction amount, the financial transaction processing unit 1190 is connected with a financial system in which the remitter financial account is opened. It is characterized in that for processing the financial transactions between the wireless terminal corresponding to the full financial transaction request.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 1190 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 1100 through the communication network, and correspondingly, the telecommunication company server 1100. Is transmitted to the wireless terminal corresponding to the information of the wireless terminal 1197 information of the remitter and the recipient wireless terminal 1199 to a wireless terminal, the wireless message including the financial transaction processing history included in the received financial transaction response message; It is desirable.

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

In more detail, FIG. 12 illustrates a predetermined recipient for a financial transaction between the wireless terminals by accessing the telecommunication company server 1100 from a wireless terminal 1197, which is a remittance on a 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 1199 information and the transaction amount is transmitted, the remitter corresponding to the financial transaction request information is linked to the storage medium 1150 by the telecommunication company server 1100. Confirm the remitter financial account information associated with the wireless terminal (1197) information and the recipient financial account information associated with the recipient wireless terminal (1199) information, and includes the remitter financial account information, the recipient financial account information and the transaction amount information As a process for generating financial transaction processing information and transmitting it to the financial company server 1155, the present invention belongs to Those skilled in the art will be able to deduce various implementation methods for the financial transaction request process between the wireless Internet-based wireless terminals by referring to and / or modifying the drawing 12. However, the present invention provides all the inferred implementations. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 12, the wireless terminal 1197, which is a remittance on the wireless internet-based wireless terminal financial transaction system shown in FIG. 11, is used for financial transactions between the telecommunication company server 1100 and the wireless terminal through a predetermined wireless communication network. The communication channel of the connection (1200).

According to an embodiment of the present invention, the telecommunication company server 1100 connects the remitter wireless terminal 1197 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and connects the remitter wireless terminal 1197 to the remitter wireless terminal 1197. 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 a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol is provided in the wireless terminal 1197 of the remitter, the communication company server 1100 may transmit the remitter based on the CDMA protocol. Connects a communication channel with the wireless terminal 1 197 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, according to the respective wireless Internet protocol corresponding to each wireless communication network, the communication company server 1100 and the wireless terminal 1197 that is the remittance and a predetermined communication channel Since you will be familiar with the technical features of connection and management, a detailed description thereof will be omitted for convenience.

Thereafter, the telecommunication company server 1100 generates (or extracts) a financial transaction interface for the financial transaction between the wireless terminals and provides the remitter to the wireless terminal 1197 (1205).

According to an exemplary embodiment of the present invention, the telecommunication company server 1100 may determine a predetermined financial institution identifier and a receiver wireless terminal 1199 information, transaction amount information, transaction authentication information, and various memos (or messages) in the remitter wireless terminal 1197. 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 1105 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 1197 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 1197 and transmitting the information to the telecommunication company server 1100 through the wireless communication network is provided. When a predetermined program is provided, the telecommunication company server 1100 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 1100. The wireless terminal 1197 may not be provided, and the present invention is not limited thereto.

Thereafter, the remitter wireless terminal 1197 inputs (or selects) at least one financial transaction request information through the financial transaction interface and transmits the information to the telecommunication company server 1100 through the communication channel (1210).

Preferably, the financial institution identifier included in the financial transaction request information includes at least one of numbers, letters, symbols, etc., which can be input through a key input device provided in the wireless terminal, and the communication company server 1100. A unique number (or unique code, or unique string) identifying a financial institution having a financial account associated with the remitter's wireless terminal 1197 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 1100, or information about the wireless terminal 1197 which is the remittance to the storage medium 1150; 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.

The beneficiary wireless terminal 1199 information included in the financial transaction request information corresponds to a financial transaction target between wireless terminals provided by the telecommunication company server 1100 in association with a financial company server 1155 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 1150.

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 1155 corresponding to the financial institution identifier by the telecommunication company server 1100, Preferably, the transaction amount information includes at least one of an amount withdrawn from a financial account associated with the remitter wireless terminal 1 197 information or an amount deposited into the financial account in the storage medium 1150.

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 1100 in association with a financial company server 1155 corresponding to the financial institution identifier. Preferably, the storage medium 1150 includes predetermined authentication information (eg, a password, etc.) to be compared (or authenticated) with the transaction authentication information stored in association with the remitter wireless terminal 1197 information.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 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 1150.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 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 1150. 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 1150, 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 1100 in association with a financial company server 1155 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 (1155).

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 telecommunication company server 1100 checks the validity of the received financial transaction request information (1215).

According to an embodiment of the present invention, the telecommunication company server 1100 is connected to the storage device 1150 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 (1199) information included in the received financial transaction request information in connection with the storage medium (1150).

In addition, when the received financial transaction request information includes predetermined transaction authentication information, the telecommunication company server 1100 connects the remitter wireless terminal 1197 information (or remitter financial account information) in association with a storage medium 1150. Check the predetermined transaction authentication information associated with the terminal, and compare (or authenticate) the transaction authentication information identified from the storage medium 1150 with the received transaction authentication information to validate the carrier's side effect on the financial transaction between the wireless terminals. It is desirable to confirm.

According to an embodiment of the present invention, the transaction authentication information stored in association with the remitter wireless terminal 1197 information stored in the storage medium 1150 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 communication company server 1100 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 (1150) It is preferable.

According to another exemplary embodiment of the present invention, an account corresponding to the financial account associated with the remitter wireless terminal 1197 information stored in the storage medium 1150 is processed in association with the remitter wireless terminal 1197 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 1100 may include the read financial company financial transaction authentication information and the storage medium 1150. 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 (1220), the telecommunication company server 1100 generates the predetermined financial transaction request information error information for the financial transaction request information by the telecommunication company server 1100. The sender is transmitted to the wireless terminal 1197 (1225). In response, the remitter wireless terminal 1197 repeats the financial transaction request information transmission process.

If the validity of the financial transaction request information is confirmed (1220), the telecommunication company server 1100 transmits the remitter wireless terminal 1197 information and the recipient wireless terminal corresponding to the financial transaction request information from the storage medium 1150. 1199) extracting the remitter financial account information and the beneficiary financial account information corresponding to the information (1230), and includes the extracted remitter financial account information and the beneficiary financial account information and the transaction amount information included in the financial transaction request information; Generating transaction processing information (1235), wherein the financial transaction processing information is preferably made by the telecommunication company server 1100 and the financial company server 1155 includes a communication protocol structure.

When the financial company server 1155 authenticates the financial transaction validity between the wireless terminals according to an exemplary embodiment of the present invention, the financial transaction processing information is linked to the remitter wireless terminal 1197 in the financial company server 1155. It is preferable that the remittance of the wireless terminal (1197) to further verify the financial transaction validity between the wireless terminals.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, and the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the financial company server 1155. ), The financial transaction processing information further comprises the financial company financial transaction authentication information for authenticating the financial transaction validity between the wireless terminals in the financial company server 1155.

According to another exemplary embodiment of the present invention, the financial transaction request information includes predetermined financial company financial transaction authentication information, but the financial transaction validity authentication between the wireless terminals through the financial company financial transaction authentication information is performed by the telecommunication company server 1100. ), The financial transaction processing information may omit the remitter wireless terminal 1 197 information or financial company financial transaction authentication information, and thus the present invention is not limited thereto.

Thereafter, the communication company server 1100 transmits the generated financial transaction processing information to the financial company server 1155 (1240).

13 is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless terminals based on a wireless Internet according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a process of requesting a financial transaction between wireless terminals shown in FIG. 12 in a communication server server 1100 on a wireless internet-based wireless terminal financial transaction system shown in FIG. ) Transmits the financial transaction processing information including the remitter financial account information, the remittee financial account information, the transaction amount information, and the remitter wireless terminal 1197 information, the financial institution server 1155 based on the financial transaction processing information. The process of authenticating a financial transaction validity between the wireless terminals and generating a predetermined financial transaction preamble including the financial transaction processing information. Specifically, after authentication of the financial transaction between the wireless terminals, a predetermined virtual account is created. Through the process of generating a financial transaction preliminary full text processing financial transactions between the wireless terminal through.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the financial transaction authentication and preliminary full text generation process between the wireless Internet-based wireless terminals. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 13, and the financial transaction authentication process between the wireless terminals including the financial company financial transaction authentication information in the financial transaction processing information. Or may infer the financial transaction authentication process between the wireless terminal including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial transaction processing information. It is characterized by comprising.

Referring to FIG. 13, the financial institution server 1155 performs a request process for a financial transaction between wireless terminals shown in FIG. 12 in a communication company server 1100 on the wireless internet based inter-terminal financial transaction system shown in FIG. 11. When the financial transaction processing information is transmitted, the financial institution server 1155 receives the financial transaction processing information from the telecommunication company server 1100 (1300a), and confirms the validity of the received financial transaction processing information ( 1305a).

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with 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 remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction processing information is not confirmed (1310a), the financial institution server 1155 generates predetermined financial transaction error information and transmits the predetermined financial transaction information to the communication company server 1100 (1315a), and the communication company server 1100. Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction processing information is confirmed (1315a), the financial institution server 1155 is the remitter wireless terminal 1197 through the information of the remitter wireless terminal (1197) included in the received financial transaction processing information. In operation 1320a, the remitter wireless terminal 1197 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial institution server (1320a). 1155a, the financial institution server 1155 receives the financial transaction authentication information from the remitter wireless terminal 1 197 and confirms the validity of the financial transaction between the wireless terminals (1330a).

According to an embodiment of the present invention, the financial institution server 1155 is a wireless terminal corresponding to the information of the wireless terminal 1197 of the remitter in connection with a predetermined wireless server 1196. A financial transaction authentication interface for inputting a financial transaction password, security card information, etc.) to be directly transmitted to the financial institution server 1155, and receiving the financial transaction authentication information from the remitter wireless terminal 1197. Thereafter, in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the corresponding financial transaction authentication information included in the ledger D / B are compared (or authenticated) to authenticate the financial transaction validity between the wireless terminals. desirable.

For example, the financial institution server 1155 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 1197 through a predetermined wireless server 1196. When the wireless terminal transmits a wireless message and the wireless terminal connects through the callback UE, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 1155. And after receiving the financial transaction authentication information from the remitter wireless terminal 1197, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. It is preferable to authenticate (or authenticate) the validity of financial transactions between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (1335a), the financial institution server 1155 generates predetermined financial transaction error information and transmits the predetermined financial transaction error information to the telecommunication company server 1100 (1315a), and the telecommunication company server 1100. Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction between the wireless terminals is authenticated (1335a), the financial institution server 1155 opens a virtual account having a predetermined real account as a parent account for the financial transactions between the wireless terminals (1340a), where the virtual The real account corresponding to the parent account of the account may include any one of the financial company account, the telecommunication company account, the financial transaction management account between the wireless terminals, the remitter financial account, or the payee financial account.

If a virtual account for financial transactions between the wireless terminals is established (1345a), the financial institution server 1155 withdraws (or transfers) the transaction amount from the remitter's financial account in connection with the financial system in which the virtual account is opened. The deposit is processed to the opened virtual account (1350a).

If the transaction amount deposit is confirmed from the remitter financial account to the virtual account (1355a), the financial company server 1155 withdraws (or transfers) the transaction amount from the virtual account and deposits it into the payee financial account. Generate a predetermined financial transaction preamble (1360a).

Here, the preliminary financial transaction preamble is a specialty for depositing the amount deposited in the virtual account by the financial company, including the virtual account information, the beneficiary financial account information, and the transaction amount information, into the beneficiary financial account. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the trading channel and the non-face-to-face financial trading channel.

Thereafter, the financial company server 1155 transmits the generated financial transaction preliminary full text to the communication company server 1100 through the communication means (1365a), and then the financial transaction preliminary full text is predetermined from the communication company server 1100. When the financial transaction request is received in full, it is preferable that the financial transaction corresponding to the full financial transaction request is processed by the financial company server 1155.

FIG. 13B is a diagram illustrating a financial transaction authentication and preliminary full text generation process between wireless Internet-based wireless terminals according to another exemplary embodiment of the present invention.

In detail, FIG. 13B illustrates a financial transaction server 1155 by performing a financial transaction request process between wireless terminals shown in FIG. 12 in a communication company server 1100 on a wireless Internet-based wireless terminal financial transaction system shown in FIG. ) Transmits the financial transaction processing information including the remitter financial account information, the remittee financial account information, the transaction amount information, and the remitter wireless terminal 1197 information, the financial institution server 1155 based on the financial transaction processing information. The process of authenticating a financial transaction validity between the wireless terminals and generating a predetermined financial transaction preamble including the financial transaction processing information. Specifically, after authentication of the financial transaction between the wireless terminals, a predetermined virtual account is created. For the process of generating a preliminary full text financial transaction processing the financial transactions between the wireless terminals without using The.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13b to infer various implementation methods for the financial transaction authentication and preliminary full text generation process between the wireless Internet-based wireless terminals. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG. 13B.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 13b to perform a financial transaction authentication process between wireless terminals in which the financial transaction processing information includes the financial company financial transaction authentication information. Or may infer the financial transaction authentication process between the wireless terminal including the remitter financial account information, the recipient financial account information, and the transaction amount information in the financial transaction processing information. It is characterized by comprising.

Referring to FIG. 13B, the financial institution server 1155 performs a financial transaction request process between wireless terminals shown in FIG. 12 in a communication company server 1100 on the wireless Internet-based wireless terminal financial transaction system shown in FIG. 11. When the financial transaction processing information is transmitted to the financial institution server 1155, the financial institution server 1155 receives the financial transaction processing information from the communication company server 1100 (1300b), and confirms the validity of the received financial transaction processing information ( 1305b).

According to an embodiment of the present invention, the validity of the financial transaction processing information is determined by the account ledger corresponding to the remitter financial account information included in the financial transaction processing information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction processing information includes predetermined financial company financial transaction authentication information, the validity verification of the financial transaction processing information is linked to the financial system, and the financial company financial transaction included in the financial transaction processing information is included. Preferably, the method includes comparing (or authenticating) authentication information with 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 remitter financial account, the validity of the financial transaction processing information may be determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction processing information is not verified (1310b), the financial institution server 1155 generates predetermined financial transaction error information and transmits the predetermined financial transaction error information to the communication company server 1100 (1315b), and the communication company server 1100. Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction processing information is confirmed (1315b), the financial company server 1155 is the remitter wireless terminal 1197 through the information of the remitter wireless terminal (1197) included in the received financial transaction processing information. In operation 1320b, the remitter wireless terminal 1197 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to provide the predetermined financial transaction authentication interface. 1155b, the financial institution server 1155 receives the financial transaction authentication information from the remitter wireless terminal 1 197 and confirms the validity of the financial transaction between the wireless terminals (1330b).

According to an embodiment of the present invention, the financial institution server 1155 is a wireless terminal corresponding to the information of the wireless terminal 1197 of the remitter in connection with a predetermined wireless server 1196. A financial transaction authentication interface for inputting a financial transaction password, security card information, etc.) to be directly transmitted to the financial institution server 1155, and receiving the financial transaction authentication information from the remitter wireless terminal 1197. Thereafter, in connection with the financial system, the financial transaction authentication information received from the wireless terminal and the corresponding financial transaction authentication information included in the ledger D / B are compared (or authenticated) to authenticate the financial transaction validity between the wireless terminals. desirable.

For example, the financial institution server 1155 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 1197 through a predetermined wireless server 1196. When the wireless terminal transmits a wireless message and the wireless terminal connects through the callback UE, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 1155. And after receiving the financial transaction authentication information from the remitter wireless terminal 1197, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. It is preferable to authenticate (or authenticate) the validity of financial transactions between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (1335b), the financial company server 1155 generates the predetermined financial transaction error information and transmits the predetermined financial transaction information to the communication company server 1100 (1315b), and the communication company server 1100. Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction between the wireless terminals is authenticated (1335b), the financial institution server 1155 is a predetermined financial transaction preliminary text for processing the financial transactions between the wireless terminals corresponding to the financial transaction processing information through the financial system To generate (1340b).

Here, the preliminary financial transaction preamble is a specialty for the financial company to process a financial transaction corresponding to the financial transaction processing information, including the remitter financial account information, the beneficiary financial account information, and the transaction amount information. It is preferable to include a specialized structure for processing the at least one financial transaction through any one of the channel and non-face-to-face financial transaction channel.

Thereafter, the financial company server 1155 transmits the generated financial transaction preliminary preamble to the communication company server 1100 through the communication means (1345b), and then the financial preliminary preamble is predetermined from the communication company server 1100. When the financial transaction request is received in full, it is preferable that the financial transaction corresponding to the full financial transaction request is processed by the financial company server 1155.

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

More specifically, FIG. 14 is a financial transaction authentication and preliminary full text generation between the wireless terminals shown in FIGS. 13A and / or 13B in a financial company server 1155 on the wireless Internet-based wireless terminal financial transaction system shown in FIG. After performing the process and transmitting to the telecommunication company server 1100, after the financial transaction confirmation (or agreement) processing through the recipient wireless terminal 1199 at the telecommunication company server 1100, the financial transaction preliminary preamble to a predetermined financial transaction As a process for transmitting the request to the financial institution server 1155, specifically, the financial transaction confirmation (or agreement) process is processed in association with the recipient wireless terminal (1199) information in the storage medium (1150) It is about an implementation method made through the stored communication company financial transaction authentication information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer various implementation methods for the professional transaction processing process between the wireless Internet-based wireless terminals. The present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 14 so that the financial transaction confirmation (or agreement) process is confirmed by the receiver wireless terminal 1199. It would be possible to infer an implementation method comprising transmitting a message, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 14, a financial transaction authentication and preliminary full text generation process between the wireless terminals shown in FIGS. 13A and / or 13B is performed by a financial institution server 1155 on the wireless Internet-based inter-terminal financial transaction system shown in FIG. 11. When performing the transmission to the telecommunication company server 1100, the telecommunication company server 1100 receives the preliminary full text of the financial transaction from the financial company server 1155, and checks the information on the predetermined recipient wireless terminal 1199 (1400). ).

In this case, the recipient wireless terminal 1199 information may be confirmed from the financial transaction request information received by the telecommunication company server 1100 during the financial transaction request process between the wireless terminals shown in FIG.

Subsequently, the telecommunication company server 1100 provides a predetermined financial transaction confirmation interface to the remitter wireless terminal 1197 through the payee wireless terminal 1199 information (1405), and correspondingly, the remitter wireless terminal 1197. Inputs predetermined financial transaction confirmation information (for example, information corresponding to the stored communication company-side financial transaction authentication information processed in association with the recipient wireless terminal 1199 information) to the storage medium 1150 through the financial transaction confirmation interface. (Or selects) and transmits the data to the telecommunication company server 1100 (1410), and the telecommunication company server 1100 receives the financial transaction confirmation information from the remitter wireless terminal 1 197 and the payee for the financial transaction between the wireless terminals. Confirmation (or consent) is confirmed (1415).

According to the exemplary embodiment of the present invention, the telecommunication company server 1100 is a wireless terminal corresponding to the receiver wireless terminal 1199 information, and the predetermined financial transaction confirmation information (for example, the receiver wireless terminal 1199 is stored in the storage medium 1150). ) Provides a predetermined financial transaction confirmation interface for inputting the transaction authentication information stored in association with the information) to be transmitted to the telecommunication company server 1100, and receives the financial transaction confirmation information from the payee wireless terminal 1199. And confirming (or agreeing) a 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 storing the transaction authentication information of the payee side stored in the storage medium 1150. Is preferred.

For example, the communication company server 1100 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 1199 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 1199 information) to the storage medium 1150. Providing a predetermined financial transaction confirmation interface for transmitting to the electronic device 1100, receiving the financial transaction confirmation information from the payee wireless terminal 1199, and confirming the financial transaction received from the wireless terminal in association with the financial system; Compares (or authenticates) the recipient side transaction authentication information stored in the storage medium 1150 to the financial transaction between the wireless terminals. It is desirable to process one recipient confirmation (or consent).

If the validity of the financial transaction confirmation information is not authenticated (1420), the communication company server 1100 generates predetermined financial transaction error information and transmits it to the payee wireless terminal 1199 (1425), and the communication company server 1100. Repeat the process of receiving the financial transaction processing information from the).

If the validity of the financial transaction confirmation information is authenticated (1420), the telecommunication company server 1100 transmits the preliminary full financial transaction received from the financial company server 1155 in the process of requesting financial transactions between the wireless terminals shown in FIG. 12. Conversion to the financial transaction request message corresponding to the financial transaction request information received by the communication company server 1100 (1430), and transmits the financial transaction request message to the financial company server 1155 through the communication means (1435) ).

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

In more detail, FIG. 15 shows the financial company server through the specialized processing of the financial transaction request between wireless terminals shown in FIG. 14 in the communication company server 1100 on the wireless Internet-based wireless terminal financial transaction system shown in FIG. When the predetermined financial transaction request message is transmitted to 1155, the financial company server 1155 is a process for processing a financial transaction between wireless terminals corresponding to the financial transaction request message, which is common in the art. Those skilled in the art will be able to infer various implementation methods for the financial transaction processing procedure between the wireless Internet-based wireless terminals by referring to and / or modifying the drawing 15, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG. 15.

Referring to FIG. 15, the financial institution server 1155 may perform a specialized transaction transaction request processing between the wireless terminals shown in FIG. 14 in a communication company server 1100 on the wireless internet based inter-terminal financial transaction system shown in FIG. 11. When the predetermined financial transaction request message is transmitted, the financial company server 1155 receives the financial transaction request message from the telecommunication company server 1100 through the communication means, and confirms the validity of the financial transaction request message. (1500).

In this case, the validity check for the full text of the financial transaction request may include a process of authenticating the financial transaction between the wireless terminals and generating a preliminary full text message, which are received from the communication company server 1100, shown in FIGS. 13A and / or 13B. It is preferable that the financial company server 1155 includes a check to match with the financial transaction preamble transmitted to the communication company server 1100.

If the validity of the financial transaction request message is not confirmed (1505), the financial company server 1155 generates the financial transaction request message error information and transmits the error information to the communication company server 1100 (1510). The process of receiving the full text of the financial transaction request from 1100 is repeated.

On the other hand, if the validity of the financial transaction request message is confirmed (1505), the financial institution server 1155 may correspond to the financial transaction request message in association with a financial system in which a remitter financial account included in the financial transaction request message is opened. The financial transaction between the wireless terminals is handled (1515).

In this case, the financial transaction between the wireless terminals preferably comprises an account transfer service between the financial accounts associated with the wireless terminal information.

When the financial transaction between the wireless terminals is processed (1520), the financial company server 1155 generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information (1525). The financial transaction response message including the financial transaction processing details is transmitted to the communication company server 1100 through the communication means (1530), and correspondingly, the communication company server 1100 includes a predetermined information including the financial transaction processing history. A financial transaction processing message is generated (1535), and the generated financial transaction processing message is transmitted to the remitter's wireless terminal 1197 and the recipient's wireless terminal 1199 (1540).

FIG. 16 is a diagram illustrating a system for registering face-to-face financial company information for financial transactions between wireless terminals according to one embodiment of the present invention.

In more detail, Fig. 16 shows a predetermined information of a customer through a predetermined information registration interface to a financial company 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 financial company storage medium 1635, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 16 for financial transactions between wireless terminals Various implementation methods for the information registration system configuration may be inferred, but the present invention infers the above. Includes all embodiments methods, it shall not be limited to the exemplary method shown in the figure 16.

Hereinafter, at least one or more means and / or means for storing the financial transaction registration information between the wireless terminals provided from the customer through the predetermined information registration interface shown in FIG. 16 on the financial company storage medium 1635. The component corresponding to the functional configuration is referred to as a "financial company server 1600" for convenience.

Referring to FIG. 16 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 branch (or branch) of a financial institution. And a terminal 1640, and the information registration terminal 1640 is connected to a financial company server 1600 provided on the information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (or branch) for a financial transaction between wireless terminals according to the present invention, and through a window provided in the financial institution branch (or branch) ( Or through a clerk, complete a prescribed application for financial transactions between wireless terminals (e.g., a document with a form for filling in at least one item of information for financial transactions between wireless terminals) Upon submission to the employee, the teller enters (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal registers the input (or selected) the information through the financial network. It is preferable to transmit to the financial institution server 1600 provided on the system.

Here, preferably, the employee terminal includes a manager terminal used by a teller employee provided at the branch (or branch) of the financial institution, and the financial company server 1600 connected to the employee terminal is located on the predetermined financial system. It is preferable to include a ledger server provided, wherein the financial network connecting the employee terminal and the financial company server 1600 includes a branch network connecting the communication channel between the employee terminal and the financial company server 1600. desirable.

In the information registration system as described above, an application written by the customer, an employee terminal used by the teller employee, and a financial network connecting the employee terminal and the financial company server 1600 are wireless terminals according to the present invention. It performs a function of an information registration interface for registering financial transaction registration information between wireless terminals for inter-financial transactions.

The financial company storage medium 1635 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 1640. It is characterized in that the account information and transaction authentication information is processed in association with the financial company storage medium 1635 and stored.

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, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

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

The transaction authentication information, the account password, financial transaction password, security card information, OTP (One Time Password) for the validity of the financial transaction between the wireless terminal in the financial institution when the customer requests the financial transaction between the wireless terminals Financial transaction authentication information including at least one code and the like, and financial transaction confirmation information for confirming (or agreeing to) a financial transaction between the wireless terminals through the recipient wireless terminal (or remitter wireless terminal). desirable.

According to an exemplary embodiment of the present invention, the financial company storage medium 1635 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The financial company storage medium 1635 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the financial institution storage medium 1635 may be an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The financial company server 1600 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 1640 through a predetermined financial network, 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 exemplary embodiment of the present invention, when the information registration terminal 1640 is an employee terminal connected to a predetermined financial network, the financial company server 1600 is located on a financial system connected to the employee terminal through a predetermined financial network. It may be a ledger server provided and / or a server (or device) provided in the external world on the financial system, and / or a program provided in the external world on the financial system, whereby the present invention is not limited No.

According to an embodiment of the present invention, the financial company server 1600 may include an interface unit 1605 for connecting and managing a predetermined communication channel with the information registration terminal 1640 through the financial network. .

According to an embodiment of the present invention, when the information registration terminal 1640 is an employee terminal connected to a predetermined financial network, the interface unit 1605 may be connected to the employee terminal 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 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the employee terminal.

Referring to FIG. 16, the financial institution server 1600 connects a communication channel with the financial institution server 1600 through a predetermined information registration terminal 1640 through the interface unit 1605, and then the interface unit 1605. And (or extract) a predetermined user interface for inputting (or selecting) and transmitting financial transaction registration information between predetermined wireless terminals in connection with the information registration terminal 1640 to provide the information registration terminal 1640. The financial transaction registration information between the interface providing unit 1610 and the wireless terminal, which is input (or selected) and transmitted from the information registration terminal 1640 through the user interface in cooperation with the interface unit 1605. Receiving information receiving unit 1615, validity confirming unit 1620 for checking the validity of the received financial transaction registration information between the wireless terminal, and the wireless terminal between the confirmed validity And an information storage unit 1625 for linking the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the transaction registration information to the financial company storage medium 1635 to store the information. .

The interface providing unit 1610 has a function provided in the information registration terminal 1640 after a predetermined information registration terminal 1640 connects a communication channel with the financial institution server 1600 through the interface unit 1605. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction registration information between the wireless terminals and transmitting the financial transaction registration information to the financial institution server 1600 through the financial network, and / or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the information registration terminal 1640 through the financial network in association with the interface unit 1605.

At least one user interface for inputting (or selecting) the financial transaction registration information between the wireless terminals to the information registration terminal 1640 and transmitting it to the financial institution server 1600 through the financial network according to another embodiment of the present invention. In the case where a predetermined information registration program is provided, the interface providing unit 1610 that provides the user interface to the information registration terminal 1640 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1640 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. The financial transaction registration information between the input (or selected) wireless terminals is transmitted to the financial institution server 1600 through the financial network.

According to an exemplary embodiment of the present invention, when the information registration terminal 1640 is an employee terminal connected to a predetermined financial network, the interface providing unit 1610 may provide a financial transaction related program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1605.

The information receiving unit 1615 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 1640 ( Or select) to transmit through the financial network, the financial transaction registration information between the wireless terminals in connection with the interface unit 1605, and the validity of the financial transaction registration information between the wireless terminals. Provided to the verification unit 1620.

The validity confirming unit 1620 may verify whether the financial transaction registration information between the wireless terminals received from the information registration terminal 1640 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 at least one or more matching the financial transaction registration information between the wireless terminal in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals may be determined whether the customer information included in the financial transaction registration information between the wireless terminals matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the financial account information included in the financial transaction registration information between the wireless terminals linked to the customer ledger D / B on the financial system linked to the information registration system It is preferable to include a check to match the stored account ledger.

According to an embodiment of the present invention, the validity check of the financial transaction registration information between the wireless terminals is linked to a predetermined communication company server 1630 corresponding to the wireless terminal information through a predetermined communication means in the financial company server 1600. It is preferable that the customer comprises a confirmation that the communication company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the communication company server 1630 by providing the customer information included in the financial transaction registration information between the wireless terminals to the communication company server 1630. It is preferably made to check whether the match with the predetermined customer information provided in the predetermined subscriber D / B (not shown).

In addition, the validity check of the financial transaction registration information between the wireless terminals is provided by providing the wireless terminal information included in the financial transaction registration information between the wireless terminals to the communication company server 1630 (or the customer from the communication company server 1630) Receiving the wireless terminal information associated with the information), and checking whether the wireless terminal corresponding to the wireless terminal information is provided with a predetermined communication service through the communication company.

When the validity of the financial transaction registration information between the wireless terminals is confirmed, the information storage unit 1625 links the customer information, the wireless terminal information, the financial account information and the transaction authentication information included in the financial transaction registration information between the wireless terminals. And store the data in the financial company storage medium 1635, wherein the financial company storage medium 1635 is provided in the financial company server 1600 or on a network connected to the financial company server 1600. If the information storage unit 1625 is connected to the financial information between the customer information contained in the financial transaction registration information between the wireless terminal information and financial account information and transaction authentication information by the financial company storage medium (1635) Preferably, when the financial company storage medium 1635 is provided in the DBMS provided on the financial system, the information storage unit 1625 is the received wireless The end of inter-banking transactions a customer information and mobile terminal information and financial account information and transaction authentication information included in the registration information via the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

17 is a view showing the configuration of the financial transaction registration information between wireless terminals stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for financial transactions between wireless terminals according to an embodiment of the present invention.

In more detail, in FIG. 17, when the storage medium 1635 illustrated in FIG. 16 is a ledger D / B provided in a DBMS on a financial system, the customer information and the wireless terminal are included in the ledger information provided in the ledger D / B. As an information structure for an implementation method of storing financial transaction registration information between wireless terminals, including information, financial account information, and transaction authentication information, the present invention has a common knowledge in the technical field to which the present invention pertains. 17 and / or modified to infer various information construction methods for storing the financial transaction registration information between the wireless terminals in the ledger D / B, but the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIG.

Referring to FIG. 17 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the account ledger shown in FIG. 17, B further includes at least one ledger (e.g., a loan ledger, a secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 17, the financial transaction registration information between wireless terminals provided through the information registration system shown in FIG. 16 is stored in the form of additional information added to the account ledger, and the financial transaction registration between the wireless terminals. The information may include at least one of customer information, wireless terminal information, financial account information, and transaction authentication information.

Referring to FIG. 17 in which the storage medium 1635 corresponds to the ledger D / B, the customer ledger matching the customer information on the ledger D / B, the account ledger and the financial account matching the financial account information Since the transaction authentication information corresponding to the account is already provided, the financial transaction registration information between the wireless terminals preferably includes an account number corresponding to the account ledger matched with the financial account information and the wireless terminal information.

Herein, the wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. , Identification code, etc.) is preferably included.

According to another exemplary embodiment of the present invention, the financial transaction registration information between the wireless terminals may be stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

18 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in a database linked to the ledger D / B 1800 provided in a DBMS on a financial system in a face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention. Figure is a diagram.

More specifically, FIG. 18 shows information on an implementation method in which the storage medium 1805 shown in FIG. 16 is stored in a predetermined database linked to the ledger D / B 1800 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 18 to register financial transaction registration information between the wireless terminals in a predetermined database. 1800 may be inferred from various methods of configuring information stored in association with the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In particular, in FIG. 18, when it is not easy to store the financial transaction registration information between the wireless terminals in the ledger information of the ledger D / B 1800 on the DBMS provided on the financial system (for example, in the policy of the telecommunication company, the DBMS When it is not easy to change the ledger D / B 1800 of the system or the system expansion is not easy due to the characteristics of the financial system), the financial transaction between the wireless terminals in a predetermined database instead of the ledger D / B 1800. An implementation method of storing registration information and cooperatively storing the database and the ledger D / B 1800 is illustrated.

In addition, the database shown in FIG. 18 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 18, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 18, the database stores and stores the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the financial transaction registration information between the wireless terminals. Preferably, the transaction registration information further includes a CIF number corresponding to the ledger information in the financial transaction registration information between the wireless terminals in order to be processed in association with the ledger D / B 1800.

Referring to FIG. 18 in which the storage medium 1805 corresponds to a database associated with the ledger D / B 1800, the customer ledger matching the customer information to the ledger D / B 1800, and the finance The account ledger matching the account information and the transaction authentication information corresponding to the financial account are already provided, and the database is linked with the ledger D / B 1800 through the CIF number. The registration information preferably includes an account number corresponding to the account ledger matched with the financial account information, the wireless terminal information, and the transaction authentication information.

Herein, the wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. , Identification code, etc.) is preferably included.

19 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in a DBMS provided in a banking server in a face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention.

In more detail, FIG. 19 shows that the storage medium 1805 shown in FIG. 16 includes a predetermined banking system provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a server. Those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the drawing 19. It is possible to infer a method of configuring information on financial transaction registration information between wireless terminals stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Referring to FIG. 19, a predetermined DBMS provided in the banking server stores and stores customer information, wireless terminal information, financial account information, and transaction authentication information included in the financial transaction registration information between the wireless terminals. It is done.

Referring to FIG. 19 where the storage medium 1805 corresponds to a DBMS on the banking system, financial transaction registration information between the wireless terminals provided in the DBMS includes an account number corresponding to the financial account information and the wireless terminal. It is preferred to include information, customer information and the transaction authentication information.

Herein, the wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. , Identification code, etc.) is preferably included.

20 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, in FIG. 20, the employee of the financial company server on the information registration system shown in FIG. 16 has a ledger server (not shown) function on the financial system linked to the employee terminal through a predetermined financial network. After the terminal connects to the financial company server and connects the communication channel for information registration according to the present invention, the terminal includes the customer information, wireless terminal information, financial account information and transaction authentication information to the financial company server through the communication channel. When the financial transaction registration information is transmitted between the wireless terminals, the financial company server associates and processes the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the received financial transaction registration information between the wireless terminals. The present invention relates to a method for storing data in a storage medium 1805. If it is a pendulum, it is possible to infer various implementation methods for registering financial transaction registration information between the wireless terminal from the employee terminal to the financial company server by referring to and / or modifying the drawing 20. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the employee terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the financial company server shown in FIG. 16 is referred to as "server" for convenience, and the employee terminal is transmitted to the financial company server. Customer information, wireless terminal information, financial account information and transaction authentication information are referred to as "financial transaction registration information between wireless terminals" for convenience.

Referring to FIG. 20, an employee terminal shown in FIG. 16 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering financial transaction registration information between the wireless terminals, and connects between the wireless terminals. When requesting registration of the financial transaction registration information between the wireless terminals for a financial transaction (2000), the server generates (or extracts) a predetermined information registration interface for registering the financial transaction registration information between the wireless terminals (2005). In operation 2010, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

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 (2015).

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 (2020), the terminal receives the information registration interface. 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 through the financial network (2025).

Thereafter, the server receives and reads the customer information, the wireless terminal information, the financial account information, and the transaction authentication information through the financial network to confirm the validity of the financial transaction registration information between the wireless terminals (2030).

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 in the ledger D / B 1800 on the financial system associated with the information registration system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals may be determined by the customer ledger stored in the ledger D / B 1800 on the financial system linked to the information registration system. It is desirable to include checking that the match with.

In addition, the validity of the financial transaction registration information between the wireless terminal is the financial account information included in the financial transaction registration information between the wireless terminal is the customer D / B (1800) on the financial system associated with the information registration system to the customer It is preferably made in connection with the ledger to verify that it matches the stored ledger.

According to an embodiment of the present invention, the validity confirmation of the financial transaction registration information between the wireless terminals is linked to a predetermined communication company server corresponding to the wireless terminal information through a predetermined communication means at the financial company server, the customer connected to the communication company. It is preferable to include checking whether it is a customer.

For example, the validation of the financial transaction registration information between the wireless terminals may be performed by providing the customer information included in the financial transaction registration information between the wireless terminals to the telecommunication company server, thereby providing a predetermined subscriber (or associated) with the telecommunication company server. It is preferable to include checking whether it matches with predetermined customer information provided in D / B (not shown).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the wireless terminal information included in the financial transaction registration information between the wireless terminals to the communication company server (or wireless terminal associated with the customer information from the communication company server) Receiving the information), and confirming whether the radio terminal corresponding to the radio terminal information is provided with a predetermined communication service through the communication company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (2035), the server generates predetermined information registration error information and transmits it to the terminal (2040). Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial transaction registration information between the wireless terminals is authenticated (2035), the server performs an information registration procedure corresponding to the financial transaction registration information between the wireless terminals, thereby the customer information, wireless terminal information and financial account The information and the transaction authentication information are linked and stored in the financial company storage medium 1805 (2045).

According to an embodiment of the present invention, the financial institution storage medium 1805 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The financial company storage medium 1805 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1800, thereby providing the present invention. This is not limited.

According to another exemplary embodiment of the present invention, the financial institution storage medium 1805 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2050), thereby completing the procedure of registering the financial transaction registration information between the wireless terminals transmitted from the terminal.

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

In more detail, Figure 21 shows that a predetermined customer receives customer information, wireless terminal information, financial account information, and transaction authentication information for a financial transaction between wireless terminals according to the present invention through a predetermined information registration interface. 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 financial company storage medium (2135), those skilled in the art to which the present invention pertains, refer to and / or modify this figure 21 for financial transactions between wireless terminals Various implementation methods for the information registration system configuration may be inferred, but the present invention infers the above. Includes all embodiments methods, it shall not be limited to the exemplary method shown in the figure 21.

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 shown in FIG. 21 on the financial company storage medium 2135 and / or The component corresponding to the functional configuration is referred to as "financial company server 2100" for convenience.

Referring to FIG. 21 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 a wireless terminal used by a customer. And at least one information registration terminal 2140, wherein the information registration terminal 2140 communicates with the financial company server 2100 provided on the information registration system through a predetermined network means. Is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 2100 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 financial institution server 2100, the client terminal selects a predetermined network means. It is preferable to transmit to the financial company server 2100 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.

In addition, the financial institution server 2100 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 the 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 financial institution server 2100 may be a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind 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 financial institution server 2100, inputs and / or selects at least one or more information through the user interface, and transmits them to the financial institution server 2100. 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 financial institution server 2100, 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 financial company server 2100 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 2140 may include 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 Terminal (and / or server) (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 above information registration system, when the information registration terminal 2140 is the financial automatic device (not shown), the financial automated device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 2100 performs a function of an information registration interface for registering the 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 2140 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 2100 may be used by the customer. Performs a function of an information registration interface for registering financial transaction registration information between wireless terminals for financial transaction between wireless terminals according to the present invention, and / or the information registration terminal 214 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the telecommunication company which is 0), the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the financial institution server 2100 performs a function of an information registration interface for registering the financial transaction registration information between wireless terminals for the financial transaction between wireless terminals according to the present invention.

The financial company storage medium 2135 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 2140. It is characterized in that the account information and the transaction authentication information is processed in association with the financial company storage medium 2135 and stored.

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, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

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 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. (Eg, 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 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 the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, the account password, financial transaction password, security card information, OTP (One Time Password) for the validity of the financial transaction between the wireless terminal in the financial institution when the customer requests the financial transaction between the wireless terminals Financial transaction authentication information including at least one code and the like, and financial transaction confirmation information for confirming (or agreeing to) a financial transaction between the wireless terminals through the recipient wireless terminal (or remitter wireless terminal). desirable.

According to an embodiment of the present invention, the financial company storage medium 2135 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The financial company storage medium 2135 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the financial institution storage medium 2135 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The financial company server 2100 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 2140 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 2140 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 financial institution server 2100 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 external world on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 2100 is the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 2100 may be configured as 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 world, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. Should you.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 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 financial company server 2100 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)). ) And / or a program provided in the external world on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 2100 may include an interface unit 2105 which connects and manages a predetermined communication channel with the information registration terminal 2140 through the network means. .

According to an embodiment of the present invention, when the information registration terminal 2140 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 2105 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 a 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 2105 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 2100, the interface unit 2105 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 2140 is a financial automation device connected to a predetermined financial network, the interface unit 2105 uses the financial stack based on a 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 2140 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2105 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 the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2105 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 provided by the financial institution server 2100 (eg, an IC chip based banking program), the interface unit 2105 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 exemplary embodiment of the present invention, when the information registration terminal 2140 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2105 is connected to the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2105 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 2140 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 2105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 21, the financial company server 2100 connects a communication channel with the financial company server 2100 through the interface unit 2105 by a predetermined information registration terminal 2140, and then the interface unit 2105. And (or extract) a predetermined user interface for inputting (or selecting) and transmitting financial transaction registration information between predetermined wireless terminals in association with the information registration terminal 2140 and providing the information registration terminal 2140 to the information registration terminal 2140. Financial transaction registration information between a predetermined wireless terminal that is input (or selected) and transmitted from the information registration terminal 2140 through the user interface in conjunction with the interface providing unit 2110 and the interface unit 2105. And an information receiving unit 2115 for receiving a link and processing the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the received financial transaction registration information between the wireless terminals. And an information storage unit 2125 for storing the scanning line over the financial storage medium (2135) is characterized in that formed.

The interface providing unit 2110 is a function provided in the information registration terminal 2140 after a predetermined information registration terminal 2140 connects a communication channel with the financial institution server 2100 through the interface unit 2105. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction registration information between the wireless terminals and transmitting the financial transaction registration information to the financial institution server 2100 through the network means, and / or a predetermined database (not shown) Omit), and provide the generated (or extracted) user interface to the information registration terminal 2140 through the network means in association with the interface unit 2105.

Thereafter, the information registration terminal 2140 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 the wireless terminals to the financial company server 2100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 2140 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 providing unit 2110 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 2105. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 is a financial automation device connected to a predetermined financial network, the interface providing unit 2110 may be 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 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 2110 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 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2110 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 2105 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 2140 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2110 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 provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2105. .

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 2140 and transmitting it to the financial company server 2100 through the network means. When a predetermined information registration program is provided, the interface providing unit 2110 for providing the user interface to the information registration terminal 2140 may be omitted, and the present invention is not limited thereto.

The information receiving unit 2115 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 2140 ( Or select) and transmit it through the network means, and receives the financial transaction registration information between the wireless terminals in cooperation with the interface unit 2105, and validates the received financial transaction registration information between the wireless terminals. Provided to the verification unit 2120.

The validity confirming unit 2120 is characterized in that whether the financial transaction registration information between the wireless terminal received from the information registration terminal 2140 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 at least one or more matching the financial transaction registration information between the wireless terminal in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals may be determined whether the customer information included in the financial transaction registration information between the wireless terminals matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the financial transaction registration information between the wireless terminal is confirmed that the financial account information included in the financial transaction registration information between the wireless terminals linked to the customer ledger D / B on the financial system linked to the information registration system It is preferable to include a check to match the stored account ledger.

According to an embodiment of the present invention, the validity confirmation of the financial transaction registration information between the wireless terminals is linked to a predetermined communication company server 2130 corresponding to the wireless terminal information through a predetermined communication means in the financial company server 2100. It is preferable that the customer comprises a confirmation that the communication company customer.

For example, the validity check of the financial transaction registration information between the wireless terminals is provided to the communication company server 2130 by providing customer information included in the financial transaction registration information between the wireless terminals to the communication company server 2130. It is preferably made to check whether the match with the predetermined customer information provided in the predetermined subscriber D / B (not shown).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the wireless terminal information included in the financial transaction registration information between the wireless terminals to the communication company server 2130 (or the customer from the communication company server 2130) Receiving the wireless terminal information associated with the information), and checking whether the wireless terminal corresponding to the wireless terminal information is provided with a predetermined communication service through the communication company.

When the validity of the financial transaction registration information between the wireless terminals is confirmed, the information storage unit 2125 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 financial company storage medium (2135), the financial company storage medium (2135) is provided in the financial company server (2100) or on the network associated with the financial company server (2100) If so, the information storage unit 2125 associates and processes the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the received financial transaction registration information between the wireless terminals. Preferably, when the financial company storage medium (2135) is provided in a DBMS provided on the financial system, the information storage unit 2125 is the received wireless It is preferable to provide customer information, wireless terminal information, financial account information, and transaction authentication information included in financial transaction registration information to the information system through the external system on the financial system and store them in the DBMS provided on the financial system. .

22 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for financial transactions between wireless terminals according to an embodiment of the present invention.

More specifically, FIG. 22 shows the customer information and the wireless terminal in the ledger information provided in the ledger D / B when the storage medium 2135 shown in FIG. 21 is the ledger D / B provided in the DBMS on the financial system. As an information structure for an implementation method of storing financial transaction registration information between wireless terminals, including information, financial account information, and transaction authentication information, the present invention has a common knowledge in the technical field to which the present invention pertains. 22 and / or modified to infer various information construction methods for storing the financial transaction registration information between the wireless terminals in the ledger D / B, but the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIG.

Referring to FIG. 22 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person of ordinary skill in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the account ledger shown in FIG. 22, B further includes at least one ledger (e.g., a loan ledger, a secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 22, the financial transaction registration information provided through the information registration system shown in FIG. 21 is stored in the form of additional information added to the account ledger, and the financial transaction between the wireless terminals. The registration information may include at least one of customer information, wireless terminal information, financial account information, and transaction authentication information.

Referring to FIG. 22 in which the storage medium 2135 corresponds to the ledger D / B, the customer ledger matching the customer information on the ledger D / B, the account ledger and the financial account matching the financial account information Since the transaction authentication information corresponding to the account is already provided, the financial transaction registration information between the wireless terminals preferably includes an account number corresponding to the account ledger matched with the financial account information and the wireless terminal information.

Herein, the wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. , Identification code, etc.) is preferably included.

According to another exemplary embodiment of the present invention, the financial transaction registration information between the wireless terminals may be stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

23 is a non-face-to-face financial transaction registration information stored in a database linked to the ledger D / B (2300) provided in the DBMS on the financial system in a non-face-to-face for financial transactions between wireless terminals according to another embodiment of the present invention It is a figure which shows a structure.

More specifically, FIG. 23 is an information structure for an implementation method in which a storage medium 2305 shown in FIG. 21 is stored in a predetermined database processed in association with a ledger D / B 2300 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 23 to register financial transaction registration information between the wireless terminals in a predetermined database in the ledger D / B (2300). It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 23 shows that when it is not easy to store the financial transaction registration information between the wireless terminals in the ledger information of the ledger D / B 2300 on the DBMS provided on the financial system (for example, in the policy of a telecommunication company, the DBMS). It is not easy to change the ledger D / B (2300) of, or the system expansion is not easy due to the nature of the financial system), the financial transaction between the wireless terminals in a predetermined database instead of the ledger D / B (2300) An implementation method of storing registration information and cooperatively storing the database and the ledger D / B 2300 is illustrated.

Further, the database shown in FIG. 23 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 23, and the database on the Internet banking system according to the intention of the skilled person, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 23, the database stores and stores the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the financial transaction registration information between the wireless terminals. Preferably, the transaction registration information further includes a CIF number corresponding to the ledger information in the financial transaction registration information between the wireless terminals in order to be processed in association with the ledger D / B 2300.

Referring to FIG. 23 in which the storage medium 2305 corresponds to a database associated with the ledger D / B 2300, the customer ledger matching the customer information to the ledger D / B 2300; The account ledger matching the account information and the transaction authentication information corresponding to the financial account are preliminarily provided, and the database is linked with the ledger D / B 2300 through the CIF number. The transaction registration information may include an account number corresponding to an account ledger matched with the financial account information, the wireless terminal information, and the transaction authentication information.

Herein, the wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. , Identification code, etc.) is preferably included.

FIG. 24 is a diagram illustrating the configuration of financial transaction registration information between wireless terminals stored in a DBMS provided in a banking server in a non-face-to-face manner for financial transactions between wireless terminals according to another embodiment of the present invention.

In more detail, FIG. 24 shows a predetermined banking system in which the storage medium 2305 shown in FIG. 21 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the drawing 24. It is possible to infer a method of configuring information on financial transaction registration information between wireless terminals stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 24, a predetermined DBMS provided in the banking server stores and stores customer information, wireless terminal information, financial account information, and transaction authentication information included in the financial transaction registration information between the wireless terminals. It is done.

Referring to FIG. 24 where the storage medium 2305 corresponds to a DBMS on the banking system, financial transaction registration information between the wireless terminals provided in the DBMS includes an account number corresponding to the financial account information and the wireless terminal. It is preferred to include information, customer information and the transaction authentication information.

Herein, the wireless terminal information may be a unique number (eg, a phone number, an identification number, etc.) or unique information (eg, address information) assigned to a wireless terminal that provides a predetermined communication function based on a communication infrastructure provided by the communication company. , Identification code, etc.) is preferably included.

25 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, in FIG. 25, when the financial institution server on the information registration system shown in FIG. 21 has a web server function to which a client terminal can be connected through a predetermined network means, the client terminal is connected to the financial institution server. After connecting and connecting a communication channel for information registration according to the present invention, the financial transaction between the wireless terminals including the customer information, wireless terminal information, financial account information and transaction authentication information to the financial company server through the communication channel; When the registration information is transmitted, the financial institution server associates and processes the customer information, the wireless terminal information, the financial account information, and the transaction authentication information included in the received financial transaction registration information between the wireless terminals to the financial company storage medium 2305. As to the practice of storing, it is possible to apply the common knowledge in the technical field to which It will be possible to infer various implementation methods for registering financial transaction registration information between the wireless terminals from the client terminal to the financial institution server by referring to and / or modifying the present invention. It includes a method and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 25, the client terminal illustrated in FIG. 21 is referred to as a “terminal” for convenience, and the financial institution server illustrated in FIG. 21 is referred to as a “server” for convenience, and the client terminal is transmitted to the financial institution server. Customer information, wireless terminal information, financial account information and transaction authentication information are referred to as "financial transaction registration information between wireless terminals" for convenience.

Referring to FIG. 25, the client terminal illustrated in FIG. 21 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based). A predetermined communication channel for registering financial transaction registration information between the wireless terminals by connecting to the server through a mobile communication network and / or an IEEE 802.16x based portable Internet, etc., and performing the financial transaction between the wireless terminals. When requesting registration of financial transaction registration information between wireless terminals (2500), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering financial transaction registration information between wireless terminals (2505), The generated (or extracted) web page is transmitted and output to the terminal through the communication channel (2510).

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 (2515).

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 (2520), the terminal receives the information registration interface. The customer information, the wireless terminal information, the financial account information, and the transaction authentication information are transmitted to the server through the communication channel (2525).

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 to the server.

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 (2530).

According to an exemplary embodiment of the present invention, the validity of the financial transaction registration information between the wireless terminals may be determined by electronic signature and / or encrypted by the security module provided in the terminal. In this case, the method may further include decoding 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 of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals in the ledger D / B (2300) on the financial system associated with the information registration system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals may be determined by the customer ledger stored in the ledger D / B 2300 on the financial system in which the customer information included in the financial transaction registration information between the wireless terminals is linked to the information registration system. It is desirable to include checking that the match with.

In addition, the validity of the financial transaction registration information between the wireless terminal is the financial account information included in the financial transaction registration information between the wireless terminal is the customer D / B (2300) on the financial system associated with the information registration system to the customer It is preferably made in connection with the ledger to verify that it matches the stored ledger.

According to an embodiment of the present invention, the validity confirmation of the financial transaction registration information between the wireless terminals is linked to a predetermined communication company server corresponding to the wireless terminal information through a predetermined communication means at the financial company server, the customer connected to the communication company. It is preferable to include checking whether it is a customer.

For example, the validation of the financial transaction registration information between the wireless terminals may be performed by providing the customer information included in the financial transaction registration information between the wireless terminals to the telecommunication company server, thereby providing a predetermined subscriber (or associated) with the telecommunication company server. It is preferable to include checking whether it matches with predetermined customer information provided in D / B (not shown).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the wireless terminal information included in the financial transaction registration information between the wireless terminals to the communication company server (or wireless terminal associated with the customer information from the communication company server) Receiving the information), and confirming whether the radio terminal corresponding to the radio terminal information is provided with a predetermined communication service through the communication company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (2535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2540), 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 terminals is authenticated (2535), the server performs the information registration procedure corresponding to the financial transaction registration information between the wireless terminals, thereby the customer information, wireless terminal information and financial account The information and the transaction authentication information are processed in association and stored in the financial company storage medium 2305 (2545).

According to an exemplary embodiment of the present invention, the financial company storage medium 2305 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The financial company storage medium 2305 may be a ledger D / B 2300 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 2300, thereby providing the present invention. This is not limited.

According to another exemplary embodiment of the present invention, the financial institution storage medium 2305 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2550), thereby completing the procedure of registering the financial transaction registration information between the wireless terminals.

26A and 26B 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. 26A and 26B illustrate a case in which the information registration system illustrated in FIG. 21 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. 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 information and the wireless information included in the financial transaction registration information between the wireless terminals received from the financial company server are wireless. The financial company storage medium 230 processes and processes terminal information, financial account information, and transaction authentication information. 5), and those skilled in the art to which the present invention pertains, refer to and / or modify the figures 26a and 26b to the wireless terminal from the client terminal to the financial company server Various implementation methods for registering inter-financial transaction registration information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 26A and 26B.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 26A and 26B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction registration information between the wireless terminal between the client terminal and the Internet banking server based on the present invention, those of ordinary skill in the art If so, referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 26a and 26b, the client terminal and internet banking are based on a predetermined internet banking program mounted on the client terminal. Between 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 Figure 26a and Figure 26b, 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. 26A and 26B.

In the following figures 26a and 26b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server is referred to as "server" for convenience.

26A and 26B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2600a), the server communicates between the terminal and the server through the browser. (2605a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal, transmitted to the terminal, and the browser provided in the terminal. This 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 (or Communication channel for transmitting / receiving data) can be allocated.

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 (2610a).

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 mounted and / or updated in the terminal (2615a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2620a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2625a), or if the terminal does not need to install and / or update the Internet banking security module (2615a), 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 (2630a), 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). A communication channel for decoding the information (or data) by a predetermined decoding scheme (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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering financial transaction registration information between wireless terminals in the terminal. Attach and / or write down certain electronic signatures to information (or data) to be provided by 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 performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate installed in the terminal. It is characterized by.

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 (2635a).

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, the customer authentication data is preferably including a certificate-based authentication data, the authentication server is a server for authenticating the 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 (2640a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (2645a).

If the Internet banking customer authentication fails (2650a), the server blocks the internet banking security channel for the terminal (2655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2650a), 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 (2660a), 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 internet banking-based financial transaction registration information registration to the server through the inter-banking-based financial transaction channel to register the financial transaction registration information between the wireless terminals (2600b), the server requests the registration. Generate (or extract) a web page corresponding to a predetermined information registration interface for registering financial transaction registration information between wireless terminals (2605b), 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 (2610b).

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, the wireless terminal information, the financial account information, and the transaction authentication information through the information registration interface (2615b).

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 (2620b), the terminal receives the information registration interface. The financial transaction registration information between the wireless terminals inputted (or selected) is transmitted to the server through the financial transaction channel (2625b).

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 to confirm the validity of the financial transaction registration information between the wireless terminals (2630b).

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.

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 of the financial transaction registration information between the wireless terminals is matched with the financial transaction registration information between the wireless terminals in the ledger D / B (2300) on the financial system associated with the information registration system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity of the financial transaction registration information between the wireless terminals may be determined by the customer ledger stored in the ledger D / B 2300 on the financial system in which customer information included in the financial transaction registration information between the wireless terminals is associated with the information registration system. It is desirable to include checking that the match with.

In addition, the validity of the financial transaction registration information between the wireless terminal is the financial account information included in the financial transaction registration information between the wireless terminal is the customer D / B (2300) on the financial system associated with the information registration system to the customer It is preferably made in connection with the ledger to verify that it matches the stored ledger.

According to an embodiment of the present invention, the validity confirmation of the financial transaction registration information between the wireless terminals is linked to a predetermined communication company server corresponding to the wireless terminal information through a predetermined communication means at the financial company server, the customer connected to the communication company. It is preferable to include checking whether it is a customer.

For example, the validation of the financial transaction registration information between the wireless terminals may be performed by providing the customer information included in the financial transaction registration information between the wireless terminals to the telecommunication company server, thereby providing a predetermined subscriber (or associated) with the telecommunication company server. It is preferable to include checking whether it matches with predetermined customer information provided in D / B (not shown).

In addition, the validity of the financial transaction registration information between the wireless terminals is provided by providing the wireless terminal information included in the financial transaction registration information between the wireless terminals to the communication company server (or wireless associated with the customer information from the communication company server Receiving the terminal information), and confirming whether the wireless terminal corresponding to the wireless terminal information is provided with a predetermined communication service through the communication company.

If the validity of the financial transaction registration information between the wireless terminals is not authenticated (2635b), the server generates a web page including the predetermined financial transaction registration information error information between the wireless terminals and transmits it to the terminal (2640b). ), 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 (2635b), 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 the financial company storage medium 2305 and stored (2645b).

According to an exemplary embodiment of the present invention, the financial company storage medium 2305 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system). The financial company storage medium 2305 may be a ledger D / B 2300 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 2300, thereby providing the present invention. This is not limited.

According to another exemplary embodiment of the present invention, the financial institution storage medium 2305 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

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 (2650b), thereby completing the registration of the financial transaction registration information between the 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 FIGS. 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.

27 is a diagram showing the configuration of a financial transaction system between wireless messages based wireless terminals according to another embodiment of the present invention.

In more detail, FIG. 27 shows information about a predetermined remitter wireless terminal 2755 and a receiver wireless terminal 2755 to the financial institution storage medium 2740 through the information registration system shown in FIGS. 16 and / or 21, respectively. After the financial transaction registration information between the wireless terminals is registered, at least a predetermined receiver wireless terminal 2755 information and a transaction amount, etc., are received from the wireless terminal corresponding to the remitter wireless terminal 2755 information to the financial company server 2700. When the financial transaction request message including one or more predetermined messages (eg, a short message service or a multimedia message service) is transmitted, the financial company server 2700 processes the financial transaction between the wireless terminals. As for the system configuration, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the present invention, referring to FIG. Would be able to infer a variety of exemplary methods for the end-to-end financial transaction system configuration, the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 27.

In the wireless message-based inter-terminal financial transaction system according to the embodiment shown in FIG. 27, the remitter wirelessly registers the financial transaction registration information between the wireless terminals through the information registration system shown in FIGS. A wireless terminal including at least one terminal 2755 and a recipient wireless terminal 2755, connected to the wireless terminal through a predetermined wireless communication network, and a predetermined financial transaction from the remitter wireless terminal 2755 through the wireless communication network. After receiving the request message, the financial company server 2700 for processing the financial transaction between the wireless terminal based on the financial transaction request message, and the predetermined communication means (for example, a dedicated communication network or encryption) with the financial company server 2700 Financial transaction processing history processed by the financial institution server 2700 through a secure network based, or a communication network provided with a dedicated communication protocol) And a telecommunication company server 2745 for transmitting the financial transaction processing message including the remitter to the wireless terminal 2755 (or the recipient wireless terminal 2755).

The wireless terminal transmits and receives at least one wireless message (eg, a short message service or a multimedia message service) through a predetermined wireless communication network, and is provided by the financial institution server 2700. The financial company server 2700 which outputs at least one interface screen and inputs 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.) to be transmitted is 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. 16 and / or 21 is provided in the financial company server 2700 or accessed from the financial company server 2700. It is characterized in that it is provided on the network possible.

According to an exemplary embodiment of the present invention, the financial transaction registration information stored in the storage medium 2740 may include at least one of predetermined customer information, wireless terminal information, financial account information, and transaction authentication information. Do.

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, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

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 2755 information, or the recipient wireless terminal 2755 information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is a receiver wireless terminal (2755) information, and the on-line store that processes the payment through the financial transaction between the receiver, the recipient wireless terminal (2755) 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 is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, the account password, financial transaction password, security card information, OTP (One Time Password) for the validity of the financial transaction between the wireless terminal in the financial institution when the customer requests the financial transaction between the wireless terminals Financial transaction authentication information including at least one code or the like, and financial transaction confirmation information for confirming (or agreeing to) a financial transaction between the wireless terminals through the recipient wireless terminal 2755 (or the remitter wireless terminal 2755). It is preferable to comprise.

According to the present invention, the financial institution server 2700 is a predetermined message center 2750 (eg, a Short Message Center (SMC), or a Multimedia Message Center (MCC)) provided on a wireless communication network. And a message receiving unit 2705 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 2755, which is a predetermined remittance, and the received financial transaction. A wireless terminal 2755 that reads whether a request message corresponds to the financial transaction request message protocol, reads at least one financial transaction request information from the financial transaction request message, and transmits information corresponding to the sender information of the received financial transaction request message. ) A message reading unit 2710 for reading the information.

The remitter wireless terminal 2755 includes at least one or more financial institution identifier and recipient wireless terminal 2755 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 sender's wireless terminal 2755 through a wireless communication network to a predetermined message center 2750, and the message center 2750 receives the financial transaction request message. Confirm the receiving side of the transaction request message, and relays (or forwards) the financial transaction request message to the financial institution server 2700 through a predetermined communication network, and the message receiving unit 2705 receives the message from the message center 2750. And receiving the financial transaction request message including at least one financial transaction request information.

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. It comprises a unique number (or unique code, or unique string) for identifying a financial institution opened a financial account linked to the information of the remitter wireless terminal (2755) of the plurality of financial institutions that provide financial transactions between the wireless terminals. It is preferable.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals, or through the financial account information stored in connection with the wireless terminal 2755 information of the remitter to the storage medium 2740. When the financial institution providing the financial transaction between the wireless terminals can be identified, the financial institution identifier may be omitted from the financial transaction request information, and thus the present invention is not limited thereto.

Among the financial transaction request information included in the financial transaction request message, the recipient wireless terminal 2755 information is information corresponding to the financial transaction target between the wireless terminals provided by the financial institution server 2700, and the wireless terminal information Preferably, at least one piece of radio terminal information stored in the storage medium 2740 is matched with predetermined radio terminal information.

Of the financial transaction request information included in the financial transaction request message, the transaction amount information is information corresponding to the financial transaction amount between wireless terminals provided by the financial institution server 2700, and the transaction amount information is stored in the storage medium ( 2740, it is preferable to include at least one or more of the amount withdrawn from the financial account associated with the remitter wireless terminal (2755) information, or the amount deposited into the financial account.

Of the financial transaction request information included in the financial transaction request message, the transaction authentication information is information for authenticating a financial transaction between wireless terminals provided by the financial institution server 2700, and the remitter is wireless to the storage medium 2740. Preferably, the terminal 2755 includes predetermined authentication information (eg, a password) to be compared (or authenticated) with the transaction authentication information stored in association with the terminal 2755 information.

According to an embodiment of the present invention, the transaction password stored in connection with the remitter wireless terminal 2755 information stored in the storage medium 2740 corresponds to an account password corresponding to the financial account associated with the remitter wireless terminal 2755 information. Financial transaction authentication information including at least one 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 2740. It is preferable to include information.

According to another exemplary embodiment of the present invention, transaction authentication information stored in association with the payee wireless terminal 2755 information stored in the storage medium 2740 is predetermined by the financial company to confirm a payee for the financial transaction between the wireless terminals. When the financial transaction confirmation information is included, the transaction authentication information may include financial transaction confirmation information to be compared (or authenticated) with transaction authentication information stored in the storage medium 2740.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 2740, the transaction authentication information may be omitted in the financial transaction request message, thereby limiting the present invention. No.

Of the financial transaction request information included in the financial transaction request message, the memo (or message) should be provided to the financial company server 2700 to process financial transactions between wireless terminals provided by the financial company server 2700. It is preferable to include at least one or more information.

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 recipient wireless terminal 2755 information and transaction amount information, and the financial transaction request information order is financial institution identifier and recipient wireless terminal 2755 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 mall "01012349876" is information on the receiver wireless terminal 2755, and the "50000" corresponds to a transaction amount.

When a financial transaction request message including at least one financial transaction request information is received from the wireless terminal 2755 which is a predetermined remittance through the message receiving unit 2705, the message reading unit 2710 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 2710 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 recipient wireless terminal 2755 information and transaction amount information, and the financial transaction request information order is financial institution identifier and recipient wireless terminal 2755 information and transaction amount information. When the identifier for distinguishing each financial transaction request information is "*", the message reading unit 2710 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 reader 2710 preferably reads 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 beneficiary wireless terminal 2755 information and a transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (2755) information and transaction amount information, and when the identifier for distinguishing each financial transaction request information is "*", the message reader 2710 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 2710 reads at least one financial transaction request information from the financial transaction request message.

According to an exemplary embodiment of the present invention, the message reader 2710 preferably reads at least one 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 an English letter and a beneficiary wireless terminal 2755 information and a transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (2755) 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 2710 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 2755 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 2710 may read the information of the wireless terminal 2755 which is a remittance corresponding to the sender information of the received financial transaction request message.

Referring to FIG. 27, the financial institution server 2700 reads at least one financial transaction request information from the financial transaction request message received through the message receiver 2705, and wirelessly transfers the remittance from the financial transaction request message. When the terminal 2755 information is read, the remitter financial account information associated with the read-out remitter wireless terminal 2755 information is checked from the storage medium 2740, and the financial transaction request is read from the storage medium 2740. And an information confirming unit 2715 for confirming payee financial account information associated with the payee wireless terminal 2755 information included in the information.

The information confirming unit 2715 is connected to the storage medium 2740 registered through the information registration system shown in FIGS. 16 and / or 21 and the wireless terminal 2755 information which is a remittance read from the financial transaction request message. Check the linked remitter financial account information, and check the recipient financial account information associated with the recipient wireless terminal (2755) information included in the financial transaction request information read from the financial transaction request message in connection with the storage medium (2740). Characterized in that.

According to the exemplary embodiment of the present invention, when predetermined transaction authentication information is read from the financial transaction request message, the information confirming unit 2715 is connected to the storage medium 2740 to send the wireless terminal 2755 information (or information) to the remitter. Checks predetermined transaction authentication information associated with the remitter financial account information), compares (or authenticates) the transaction authentication information checked from the storage medium 2740 with transaction authentication information read from the financial transaction request message, and performs wireless It is desirable to check the validity of financial transactions between terminals.

Referring to FIG. 27, the financial company server 2700 may include a validity confirming unit 2720 for confirming validity of the financial transaction request information, and information about the remitter wireless terminal 2755 corresponding to the financial transaction request information. It is characterized in that it comprises a financial transaction authentication interface (2725) for providing a predetermined financial transaction authentication interface to the remitter wireless terminal 2755 to authenticate the financial transaction validity between the wireless terminals.

The validity confirming unit 2720 may verify the validity of the financial transaction request information in connection with a financial system including a remitter financial account included in the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction request information includes predetermined financial transaction authentication information, the validity check of the financial transaction request information includes the financial transaction authentication information and the financial transaction authentication information included in the financial transaction request information in association with the financial system. It is preferable to include comparing (or authenticating) the financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction request information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction request information is determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

The financial transaction authentication interface 2725 inputs predetermined financial transaction authentication information (for example, an account password, a financial transaction password, security card information, etc.) to a wireless terminal corresponding to the remitter wireless terminal 2755 information to the financial company. Provide a predetermined financial transaction authentication interface for direct transmission to the server 2700, receive the financial transaction authentication information from the remitter wireless terminal 2755, and then receive the financial transaction received from the wireless terminal in association with the financial system; The transaction authentication information and the corresponding financial transaction authentication information provided in the ledger D / B by comparing (or authentication), characterized in that for authenticating the financial transaction validity between the wireless terminals.

According to an embodiment of the present invention, the financial transaction authentication interface unit 2725 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the remitter wireless terminal 2755 information. When the wireless terminal transmits a wireless message and the wireless terminal connects through the callback UE, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 2700. And after receiving the financial transaction authentication information from the remitter wireless terminal 2755, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. It is preferable to authenticate (or authenticate) the financial transaction validity between the wireless terminals.

Referring to FIG. 27, after the financial company server 2700 is verified that the validity of the financial transaction request information and / or the validity of the financial transaction authentication information is verified, the financial inter-terminal finance corresponding to the financial transaction request information is verified. If the transaction includes a financial transaction to withdraw (or transfer) a predetermined amount from the remitter's financial account, a predetermined virtual account is opened in connection with the financial system, and the withdrawal (or transfer) of the transaction amount from the remitter's financial account. A) a virtual account processing unit for depositing the opened virtual account and a wireless terminal corresponding to the recipient wireless terminal 2755 information included in the financial transaction request information and providing a predetermined financial transaction confirmation interface to the remitter financial account; A financial transaction for depositing by transferring the transaction amount deposited into the virtual account to the beneficiary financial account at Characterized in that for having made the payment to make (or motion) financial transaction confirmation interface unit (2730) for handling.

According to another embodiment of the present invention, if the financial transaction between the wireless terminals corresponding to the financial transaction request information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the financial transaction confirmation interface unit. 2730 may provide a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 2755 information included in the financial transaction request information to process a recipient confirmation (or agreement) for the financial transaction between the wireless terminals. Characterized in that.

Conditions for processing a financial transaction between the wireless terminals are satisfied based on the financial transaction request information (eg, validity of the financial transaction request information and / or validity of the financial transaction authentication information is authenticated), and When the financial transaction between the wireless terminals corresponding to the financial transaction request information includes a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processor may generate a virtual account having a predetermined real account as a parent account. Wherein the real account corresponding to the parent account of the virtual account is any one of the financial company account, the telecommunication company account, the financial transaction management account between the wireless terminals, the remitter financial account, or the payee financial account. It is preferable to comprise a.

Thereafter, the virtual account processing unit may withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the virtual account.

According to the exemplary embodiment of the present invention, the virtual account processor may maintain the transaction amount deposited into the virtual account for a predetermined period of time, and if the financial transaction of the payee is not confirmed within the period, the virtual account is deposited in the virtual account. The remittance is preferably returned to the financial account.

When the transaction amount is deposited into the virtual account, the financial transaction confirmation interface unit 2730 is a wireless terminal corresponding to the recipient wireless terminal 2755 information to the predetermined financial transaction confirmation information (eg, the storage medium 2740). Provide a predetermined financial transaction confirmation interface for inputting and transmitting the transaction authentication information stored in association with the recipient wireless terminal 2755 information to the financial institution server 2700, and the financial transaction from the recipient wireless terminal 2755. After receiving the confirmation information, the financial transaction confirmation information received from the wireless terminal in connection with the financial system and the recipient side transaction authentication information stored in the storage medium (2740) (or authenticated) and the deposit to the virtual account It is characterized in that the processing of the beneficiary confirmation (or consent) for the financial transaction to transfer the transaction amount to the beneficiary financial account to deposit. The.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 2730 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 2755 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 (e.g., a storage medium 2740 in association with the recipient wireless terminal 2755 information). Authentication information) to provide a predetermined financial transaction confirmation interface to be transmitted to the financial institution server 2700, and after receiving the financial transaction confirmation information from the payee wireless terminal 2755, Comparing the financial transaction confirmation information received from the wireless terminal and the transaction authentication information of the payee side stored in the storage medium 2740 (or It is preferable to process the recipient confirmation (or agreement) for the financial transaction to transfer the amount of the transaction deposited into the virtual account to the recipient financial account.

According to another embodiment of the present invention, a condition for processing a financial transaction between the wireless terminals is satisfied based on the financial transaction request information (eg, validity of the financial transaction request information and / or authentication of the financial transaction authentication information). Validity), but when the financial transaction between the wireless terminals corresponding to the financial transaction request information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processing unit performs the virtual account. To establish, and may not perform a function of depositing (or transferring) the transaction amount from the remitter financial account to the virtual account, whereby the present invention is not limited.

If the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the financial transaction confirmation interface unit 2730 may be configured as the recipient wireless terminal. The financial company server 2700 inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 2755 information) to a storage terminal 2740 using a wireless terminal corresponding to the information. Provide a predetermined financial transaction confirmation interface for receiving the financial transaction confirmation information from the payee wireless terminal 2755, and store the financial transaction confirmation information received from the wireless terminal in association with the financial system. Compare (or authenticate) the recipient side transaction authentication information stored in the medium 2740 to confirm the recipient for the financial transaction between the wireless terminals. Characterized in that the handle (or motion).

According to an embodiment of the present invention, the financial transaction confirmation interface unit 2730 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 2755 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 (e.g., a storage medium 2740 in association with the recipient wireless terminal 2755 information). Authentication information) to provide a predetermined financial transaction confirmation interface to be transmitted to the financial institution server 2700, receive the financial transaction confirmation information from the payee wireless terminal 2755, and then associate with the financial system. For example, the financial transaction confirmation information received from the wireless terminal is compared with the recipient side transaction authentication information stored in the storage medium 2740. It is preferable to process the recipient confirmation (or consent) for the financial transaction between the wireless terminals.

Referring to FIG. 27, when a payee confirmation (or agreement) for the financial transaction is made, the financial company server 2700 processes the predetermined financial transaction corresponding to the full text of the financial transaction request in association with the financial system. A wireless message including a financial transaction processing unit 2735 and a predetermined financial transaction processing history corresponding to the financial transaction processing, respectively, corresponding to the remitter wireless terminal 2755 information and the recipient wireless terminal 2755 information. Characterized in that it comprises a specialized processing unit for transmitting to.

According to an embodiment of the present invention for the financial transaction to be withdrawn (or transferred) from the remitter financial account by the financial transaction confirmation interface unit 2730 to deposit the amount deposited in the virtual account to the beneficiary financial account When the recipient confirmation (or agreement) is processed, the financial transaction processing unit 2735 withdraws (or transfers) the amount deposited in the virtual account according to the financial transaction request information in connection with the financial system in which the virtual account is opened. It is characterized in that for processing the financial transactions deposited into the recipient financial account.

According to another exemplary embodiment of the present invention, the financial transaction confirmation interface unit 2730 may withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the beneficiary financial account. Or agreement), the financial transaction processing unit 2735 is configured to process a financial transaction between wireless terminals corresponding to the financial transaction request information in connection with the financial system in which the remitter financial account is opened.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 2735 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 desirable to generate a financial transaction processing history.

The specialized processing unit provides the financial transaction processing details to a communication company server 2745 through a predetermined communication means, thereby transmitting a predetermined financial transaction processing message including the financial transaction processing details from the communication company server 2745 to the remitter. And a radio terminal corresponding to the terminal 2755 information and the recipient radio terminal 2755 information to the radio terminal.

According to another exemplary embodiment of the present invention, the specialized processing unit transmits a predetermined financial transaction processing message including the financial transaction processing history through the wireless communication network to the wireless terminal 2755 information of the remitter, and the recipient. The wireless terminal 2755 information may be transmitted to the wireless terminal, and the present invention is not limited thereto.

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

In more detail, FIG. 28 shows information about a predetermined payee wireless terminal 2755 and a transaction amount from the wireless terminal 2755, which is the remitter on the financial transaction system between the wireless message-based wireless terminals, to the financial institution server 2700. When a predetermined financial transaction request message (eg, a short message service or a multimedia message service) including at least one is transmitted, the financial company server 2700 and the storage medium 2740 A process for identifying a remitter financial account information associated with the sender wireless terminal 2755 information corresponding to the financial transaction request message and a payee financial account information associated with the payee wireless terminal 2755 information. Those skilled in the art to which the invention pertains may refer to and / or modify this drawing 28 to make the wireless message-based wireless terminal available. Various implementation methods for the inter-financial transaction request process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 28, a predetermined financial transaction request message (eg, short message) including at least one financial transaction request information in a wireless terminal 2755 which is a remittance on a financial transaction system between wireless message-based wireless terminals shown in FIG. A message (Short Message Service) or a multimedia message (Multimedia Message Service) is input (2800), and the financial transaction request message is transmitted to the financial institution server 2700 through the wireless communication network (2805).

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. It comprises a unique number (or unique code, or unique string) for identifying a financial institution opened a financial account linked to the information of the remitter wireless terminal (2755) of the plurality of financial institutions that provide financial transactions between the wireless terminals. It is preferable.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals, or through the financial account information stored in connection with the wireless terminal 2755 information of the remitter to the storage medium 2740. When the financial institution providing the financial transaction between the wireless terminals can be identified, the financial institution identifier may be omitted from the financial transaction request information, and thus the present invention is not limited thereto.

Among the financial transaction request information included in the financial transaction request message, the recipient wireless terminal 2755 information is information corresponding to the financial transaction target between the wireless terminals provided by the financial institution server 2700, and the wireless terminal information Preferably, at least one piece of radio terminal information stored in the storage medium 2740 is matched with predetermined radio terminal information.

Of the financial transaction request information included in the financial transaction request message, the transaction amount information is information corresponding to the financial transaction amount between wireless terminals provided by the financial institution server 2700, and the transaction amount information is stored in the storage medium ( 2740, it is preferable to include at least one or more of the amount withdrawn from the financial account associated with the remitter wireless terminal (2755) information, or the amount deposited into the financial account.

Of the financial transaction request information included in the financial transaction request message, the transaction authentication information is information for authenticating a financial transaction between wireless terminals provided by the financial institution server 2700, and the remitter is wireless to the storage medium 2740. Preferably, the terminal 2755 includes predetermined authentication information (eg, a password) to be compared with (or authenticated) the transaction authentication information stored in association with the terminal 2755 information.

According to an embodiment of the present invention, the transaction password stored in connection with the remitter wireless terminal 2755 information stored in the storage medium 2740 corresponds to an account password corresponding to the financial account associated with the remitter wireless terminal 2755 information. Financial transaction authentication information including at least one 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 2740. It is preferable to include information.

According to another exemplary embodiment of the present invention, transaction authentication information stored in association with the payee wireless terminal 2755 information stored in the storage medium 2740 is predetermined by the financial company to confirm a payee for the financial transaction between the wireless terminals. When the financial transaction confirmation information is included, the transaction authentication information may include financial transaction confirmation information to be compared (or authenticated) with transaction authentication information stored in the storage medium 2740.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 2740, the transaction authentication information may be omitted in the financial transaction request message, thereby limiting the present invention. No.

Of the financial transaction request information included in the financial transaction request message, the memo (or message) should be provided to the financial company server 2700 to process financial transactions between wireless terminals provided by the financial company server 2700. It is preferable to include at least one or more information.

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 recipient wireless terminal 2755 information and transaction amount information, and the financial transaction request information order is financial institution identifier and recipient wireless terminal 2755 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 mall "01012349876" is information on the receiver wireless terminal 2755, and the "50000" corresponds to a transaction amount.

If the validity of the financial transaction request message is not confirmed (2820), the financial institution server 2700 generates predetermined financial transaction request message error information for the financial transaction request message to the remitter wireless terminal 2755. In response to this, the sender wireless terminal 2755 repeats the financial transaction request message transmission.

On the other hand, if the validity of the financial transaction request message is confirmed (2820), the financial institution server 2700 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 (2830).

According to the exemplary embodiment of the present invention, the financial institution server 2700 may read whether the 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 beneficiary wireless terminal 2755 information and a transaction value information consisting of numbers, and the financial transaction request information order is a financial institution identifier and a recipient wireless terminal. (2755) information and transaction amount information, and when the identifier for distinguishing each financial transaction request information is "*", the financial institution server 2700 is a financial institution of the message information included in the financial transaction request message It is preferable to check whether the identifier is composed of alphabetic characters, check whether the recipient telephone number of the message information is composed of numbers starting with "01x", and check whether the transaction amount of the message information is comprised of numbers within the transaction limit amount. Do.

If the validity of the financial transaction request information is not confirmed (2835), the financial institution server 2700 generates the financial transaction request message error information for the financial transaction request message by generating the predetermined financial transaction request message error information for the financial transaction request message. The sender is sent to the wireless terminal 2755 (2825). In response, the sender wireless terminal 2755 repeats the financial transaction request message transmission process.

If the validity of the financial transaction request information is confirmed (2835), the financial institution server 2700 is the remitter wireless terminal (2755) information and the recipient wireless terminal corresponding to the financial transaction request information from the storage medium (2740) 2755, the sender financial account information and the recipient financial account information corresponding to the information are verified (2840).

29A illustrates a financial transaction authentication process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

More specifically, FIG. 29A illustrates a process of requesting a financial transaction between wireless terminals shown in FIG. 28 by a financial institution server 2700 on a wireless message-based wireless terminal-based financial transaction system shown in FIG. 2755) when the remittee financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 2755 information are checked, the financial company server 2700 between the wireless terminals based on the financial transaction request information. The present invention relates to a process of authenticating a financial transaction validity. Specifically, the present invention relates to a process of processing a financial transaction side of a remitter of a financial transaction between wireless terminals through a predetermined virtual account after authentication of the financial transaction between wireless terminals.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 29a to infer various implementation methods for the financial transaction authentication process between the wireless message-based wireless terminals. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in this drawing 29a.

Referring to FIG. 29A, the financial company server 2700 on the wireless message-based wireless terminal financial transaction system shown in FIG. 27 performs the financial transaction request process between the wireless terminals shown in FIG. 28, thereby transmitting the wireless terminal 2755. When the payer financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 2755 information are confirmed, the financial company server 2700 checks the validity of the financial transaction request information (2900a). ).

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction request information includes predetermined financial transaction authentication information, the validity check of the financial transaction request information includes the financial transaction authentication information and the financial transaction authentication information included in the financial transaction request information in association with the financial system. It is preferable to include comparing (or authenticating) the financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction request information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction request information is determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction request information is not confirmed (2905a), the financial institution server 2700 generates predetermined financial transaction error information and transmits it to the remitter wireless terminal 2755 (2910a). The process of receiving the financial transaction request information from the terminal 2755 is repeated.

On the other hand, if the validity of the financial transaction request information is confirmed (2905a), the financial institution server 2700 is the remitter wireless terminal 2755 through the information of the remitter wireless terminal 2755 included in the received financial transaction request information. The financial transaction server 2700 provides a predetermined financial transaction authentication interface (2915a), and correspondingly, the remitter wireless terminal 2755 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface. In step 2920a, the financial institution server 2700 receives the financial transaction authentication information from the remitter wireless terminal 2755 and confirms the validity of the financial transaction between the wireless terminals (2925a).

According to an embodiment of the present invention, the financial company server 2700 is a wireless terminal corresponding to the information of the wireless terminal 2755 of the remitter in connection with a predetermined wireless server, and the predetermined financial transaction authentication information (eg, account password, financial transaction). Password, security card information, etc.) to provide a predetermined financial transaction authentication interface for direct transmission to the financial institution server 2700, and after receiving the financial transaction authentication information from the remitter wireless terminal 2755, It is preferable to authenticate (or certify) the financial transaction validity between the wireless terminals by comparing (or authenticating) the financial transaction authentication information received from the wireless terminal with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. .

For example, the financial institution server 2700 may transmit a wireless message including a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 2755 through a predetermined wireless server. If the wireless terminal is connected through the callback UEL, and provides a predetermined financial transaction authentication interface to input the predetermined financial transaction authentication information to the financial company server (2700), and After receiving the financial transaction authentication information from the sender wireless terminal 2755, compare the financial transaction authentication information received from the wireless terminal with the corresponding financial transaction authentication information provided in the ledger D / B in connection with the financial system ( Or authentication) to authenticate the financial transaction validity between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (2930a), the financial institution server 2700, the financial institution server 2700 generates predetermined financial transaction error information and transmits the predetermined financial transaction error information to the remitter wireless terminal 2755 ( 2910a), the process of receiving the financial transaction request information from the remitter wireless terminal 2755 is repeated.

On the other hand, if the validity of the financial transaction between the wireless terminals is authenticated (2930a), the financial company server 2700 opens a virtual account with a predetermined real account for the financial transactions between the wireless terminals (2935a), where the The real account corresponding to the parent account of the virtual account may include any one of the financial company account, the telecommunication company account, the financial transaction management account between the wireless terminals, the remitter financial account, or the payee financial account.

If a virtual account for financial transactions between the wireless terminals is established (2940a), the financial institution server 2700 withdraws (or transfers) the transaction amount from the remitter's financial account in connection with the financial system in which the virtual account is opened. The deposit is processed to the opened virtual account (2945a).

If the transaction amount deposit is confirmed from the remitter financial account to the virtual account (2950a), the financial company server 2700, the financial company server 2700 confirms the financial transaction through the payee wireless terminal 2755 ( Or consent).

29B illustrates a financial transaction authentication process between wireless message-based wireless terminals according to another exemplary embodiment of the present invention.

In more detail, FIG. 29B illustrates a request for a financial transaction between wireless terminals shown in FIG. 28 by a financial institution server 2700 on a wireless message-based wireless terminal-based financial transaction system shown in FIG. 2755) when the remittee financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 2755 information are checked, the financial company server 2700 between the wireless terminals based on the financial transaction request information. Regarding the process of authenticating the financial transaction validity, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 29b to provide a variety of financial transaction authentication processes between the wireless message-based wireless terminals. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and this drawing 29b The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 29B, the financial institution server 2700 on the wireless message-based wireless terminal financial transaction system shown in FIG. 27 performs the financial transaction request process between the wireless terminals shown in FIG. 28, thereby transmitting the wireless terminal 2755. When confirming the remitter financial account information associated with the information and the recipient financial account information associated with the payee wireless terminal 2755 information, the financial company server 2700 checks the validity of the financial transaction request information (2900b). ).

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction request information includes predetermined financial transaction authentication information, the validity check of the financial transaction request information includes the financial transaction authentication information and the financial transaction authentication information included in the financial transaction request information in association with the financial system. It is preferable to include comparing (or authenticating) the financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction request information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction request information is determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction request information is not confirmed (2905b), the financial institution server 2700 generates predetermined financial transaction error information and transmits it to the remitter wireless terminal 2755 (2910b), and the remitter wireless terminal. The process of receiving the financial transaction request information from 2755 is repeated.

On the other hand, if the validity of the financial transaction request information is confirmed (2905b), the financial institution server 2700 is the remitter wireless terminal 2755 through the information of the remitter wireless terminal (2755) included in the received financial transaction request information. The bank provides a predetermined financial transaction authentication interface (2915b), and in response thereto, the remitter wireless terminal 2755 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial company server ( 2700b, the financial company server 2700 receives the financial transaction authentication information from the remitter wireless terminal 2755 and confirms the validity of the financial transaction between the wireless terminals (2925b).

According to an embodiment of the present invention, the financial company server 2700 is a wireless terminal corresponding to the information of the wireless terminal 2755 of the remitter in connection with a predetermined wireless server, and the predetermined financial transaction authentication information (eg, account password, financial transaction). Password, security card information, etc.) to provide a predetermined financial transaction authentication interface for direct transmission to the financial institution server 2700, and after receiving the financial transaction authentication information from the remitter wireless terminal 2755, It is preferable to authenticate the financial transaction validity between the wireless terminals by comparing (or authenticating) the financial transaction authentication information received from the wireless terminal with the financial system in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B.

For example, the financial institution server 2700 may transmit a wireless message including a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 2755 through a predetermined wireless server. And, if the wireless terminal is connected through the callback UEL, to provide a predetermined financial transaction authentication interface to input the predetermined financial transaction authentication information to the financial company server (2700), After receiving the financial transaction authentication information from the remitter wireless terminal 2755, the financial transaction authentication information received from the wireless terminal in comparison with the financial system is compared with the corresponding financial transaction authentication information provided in the ledger D / B. (Or authentication) it is preferable to authenticate the financial transaction validity between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (2930b), the financial institution server 2700, the financial institution server 2700 generates predetermined financial transaction error information and transmits the predetermined financial transaction error information to the remitter wireless terminal 2755 ( 2910b), the process of receiving the financial transaction request information from the remitter wireless terminal 2755 is repeated.

On the other hand, if the validity of the financial transaction between the wireless terminals is authenticated (2930b), the financial company server 2700 performs a process of confirming (or agreeing) the financial transaction through the recipient wireless terminal (2755).

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

In more detail, FIG. 30 illustrates a process of authenticating a financial transaction between wireless terminals shown in FIGS. 29a and / or 29b by a financial institution server 2700 on a wireless message-based wireless terminal-based financial transaction system shown in FIG. 27. Thereafter, after processing the financial transaction confirmation (or agreement) through the recipient wireless terminal (2755), and the process of processing the financial transaction between the wireless terminal in connection with a predetermined financial system, the present invention belongs to Persons having ordinary skill in the art will be able to infer various implementation methods for the financial transaction processing process between the wireless message-based wireless terminals by referring to and / or modifying the drawing 30, but the present invention provides all the inferred implementations. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 30 to confirm the financial transaction (or agreement) with the recipient wireless terminal 2755 to confirm a predetermined financial transaction. It would be possible to infer an implementation method comprising transmitting a message, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 30, after the financial company server 2700 on the wireless message-based wireless terminal financial transaction system shown in FIG. 27 performs the financial transaction authentication process between the wireless terminals shown in FIGS. 29a and / or 29b, The financial company server 2700 provides a predetermined financial transaction confirmation interface to the remitter wireless terminal 2755 through the recipient wireless terminal 2755 information (3000), and the remitter wireless terminal 2755 corresponds to the remitter wireless terminal 2755. Input predetermined financial transaction confirmation information (for example, information corresponding to the stored communication company-side financial transaction authentication information in association with the recipient wireless terminal 2755 information) to the storage medium 2740 through the financial transaction confirmation interface ( Or) to transmit to the financial company server 2700 (3005), and the financial company server 2700 receives the financial transaction confirmation information from the remitter wireless terminal 2755. The payee confirmation (or consent) for the authenticated financial transaction is confirmed through the wireless transaction authentication process shown in FIGS. 29A and / or 29B (3010).

According to an embodiment of the present invention, the financial transaction authentication process between the wireless terminals shown in FIG. 29a is performed to authenticate the financial transaction between the wireless terminals, and withdraw (or transfer) the transaction amount from the remitter's financial account. In the case of depositing into the account, the financial institution server 2700 is a wireless terminal corresponding to the receiver wireless terminal 2755 information, and the predetermined financial transaction confirmation information (for example, the receiver wireless terminal 2755 information on the storage medium 2740). Input a transaction authentication information stored in association with the bank) to provide a predetermined financial transaction confirmation interface for transmitting to the financial institution server 2700, and after receiving the financial transaction confirmation information from the payee wireless terminal 2755, Comparing the financial transaction confirmation information received from the wireless terminal with the recipient system transaction authentication information stored in the storage medium 2740 in association with the financial system (and Authentication) and it is desirable to process the check payee (or consent) of the said transaction amount deposited in the virtual account in which to deposit financial transactions and transfer money to the payee financial accounts.

For example, the financial company server 2700 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 2755 information, and the wireless terminal. When accessing through the callback UL, the financial terminal server inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 2755 information) to the storage medium 2740. Provide a predetermined financial transaction confirmation interface to transmit to the 2700; and receive the financial transaction confirmation information from the payee wireless terminal 2755, and then confirm the financial transaction received from the wireless terminal in association with the financial system. The information deposited to the virtual account by comparing (or authenticating) the recipient side transaction authentication information stored in the storage medium 2740. It is preferable to process a payee confirmation (or consent) for the financial transaction to transfer the deposit amount to the payee financial account.

According to another exemplary embodiment of the present invention, when the financial transaction authentication process between the wireless terminals shown in FIG. 29B is performed, the financial institution server 2700 is a wireless terminal corresponding to the receiver wireless terminal 2755 information. Provides a predetermined financial transaction confirmation interface for inputting financial transaction confirmation information (eg, transaction authentication information stored in association with the payee wireless terminal 2755 information) in the storage medium 2740 to the financial company server 2700. And after receiving the financial transaction confirmation information from the payee wireless terminal 2755, the financial transaction confirmation information received from the wireless terminal in connection with the financial system and the recipient side transaction authentication information stored in the storage medium 2740. Comparing (or authenticating) it is desirable to process the recipient confirmation (or consent) for the financial transaction between the wireless terminals.

For example, the financial transaction confirmation interface unit 2730 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 2755 information, When the wireless terminal connects through the callback UEL, inputs predetermined financial transaction confirmation information (e.g., transaction authentication information stored in association with the receiver wireless terminal 2755 information) in the storage medium 2740, It provides a predetermined financial transaction confirmation interface for transmitting to the financial company server 2700, and receives the financial transaction confirmation information from the payee wireless terminal 2755, and then received from the wireless terminal in conjunction with the financial system The wireless terminal compares (or authenticates) the financial transaction confirmation information with the recipient side transaction authentication information stored in the storage medium 2740. To process the check payee (or agreement) on financial transactions is desirable.

If the validity of the financial transaction confirmation information is not authenticated (3015), the financial company server 2700 generates predetermined financial transaction error information and transmits it to the payee wireless terminal 2755 (3020), and the financial company server 2700 Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction confirmation information is authenticated (3015), the financial company server 2700 processes the financial transaction between wireless terminals corresponding to the full text of the financial transaction request in connection with the financial system in which the remitter financial account is opened ( 3025).

In the case of the recipient confirmation (or agreement) for the financial transaction to withdraw (or transfer) from the remitter's financial account according to one embodiment of the present invention to deposit the amount deposited in the virtual account into the beneficiary financial account, The financial company server 2700 processes a financial transaction to withdraw (or transfer) the amount deposited in the virtual account according to the financial transaction request information in connection with the financial system in which the virtual account is opened and deposit the money into the beneficiary financial account. Characterized in that.

According to another embodiment of the present invention, when the recipient confirmation (or agreement) for the financial transaction to withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the recipient financial account, the financial company server In operation 2700, the financial transaction between the wireless terminals corresponding to the financial transaction request information may be processed in connection with the financial system in which the remitter financial account is opened.

If the financial transaction between the wireless terminals is processed (3030), the financial company server 2700 generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information through the communication means. Transmits to the communication company server 2745 (3035), and correspondingly, the communication company server 2745 generates a predetermined financial transaction processing message including the financial transaction processing history (3040), and processes the generated financial transaction. The message is transmitted to the sender's wireless terminal 2755 and the recipient's wireless terminal 2755 (3045).

31 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. 31 shows the information of the remittee wireless terminal 3155 and the receiver wireless terminal 3160 to the financial institution storage medium 3145 through the information registration system shown in FIGS. 16 and / or 21, respectively. After the financial transaction registration information between the wireless terminals is registered, the wireless terminal corresponding to the remitter wireless terminal 3155 information is connected to the financial company server 3100, the predetermined recipient wireless terminal for the financial transaction between the wireless terminals (3160) When the financial transaction request information including at least one or more information and the transaction amount is transmitted, the financial institution server 3100 relates to a system configuration for processing the financial transaction between the wireless terminal, the technical field to which the present invention belongs For those skilled in the art, various modifications of the financial transaction system configuration between the wireless Internet-based wireless terminals can be made by referring to and / or modifying the drawing 31. Would be able to infer when the method, 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 31.

In the wireless Internet-based wireless terminal financial transaction system according to the embodiment shown in FIG. 31, the remitter wirelessly registered the financial transaction registration information between the wireless terminals through the information registration system shown in FIGS. 16 and / or 21. A wireless terminal including at least one terminal 3155 and at least one recipient wireless terminal 3160, a wireless Internet is connected through the wireless terminal and a predetermined wireless communication network, and predetermined from the remitter wireless terminal 3155 through the wireless communication network. After receiving the financial transaction request information, the financial company server 3100 for processing the financial transaction between the wireless terminal based on the financial transaction request information, the financial company server 3100 and predetermined communication means (for example, a dedicated communication network) Or a financial settlement processed by the financial institution server 3100 through an encryption-based secure communication network or a communication network having a dedicated communication protocol). The financial transaction processing messages to a processing history obtained by having the sender wireless terminal (3155) (or the recipient wireless terminal 3160) company server 3150 to transfer to the features.

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 provided by the financial institution server 3100. The financial company server 3100 which outputs at least one interface screen and inputs 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.) to be transmitted is 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. 16 and / or 21 is provided in the financial company server 3100 or accessed from the financial company server 3100. It is characterized in that it is provided on the network possible.

According to the exemplary embodiment of the present invention, the financial transaction registration information stored in the storage medium 3145 may include at least one of predetermined customer information, wireless terminal information, financial account information, and transaction authentication information. desirable.

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, member ID information, or CIF (Customer Information File) provided in a customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Number) and the like).

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 3155, or the receiver wireless terminal 3160 information in the financial transaction process between the wireless terminals. .

If the wireless terminal information is a payee wireless terminal 3160 information, and the on-line store that processes the payment through the financial transaction between the payee wireless terminal, the payee wireless terminal 3160 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 the method of the present invention, the financial account information is preferably matched with any one of the wireless terminal information of the sender financial account information, or the recipient financial account information in the financial transaction process between the wireless terminals.

The transaction authentication information, the account password, financial transaction password, security card information, OTP (One Time Password) for the validity of the financial transaction between the wireless terminal in the financial institution when the customer requests the financial transaction between the wireless terminals Financial transaction authentication information including at least one code and the like, and financial transaction confirmation information for confirming (or agreeing to) a financial transaction between the wireless terminals through the recipient wireless terminal 3160 (or the remitter wireless terminal 3155). It is preferable to comprise.

According to the present invention, the financial institution server 3100 may include an interface unit 3105 for connecting at least one wireless terminal with a wireless Internet communication channel according to a predetermined wireless Internet protocol provided on a wireless communication network, and the interface unit 3105. Input the financial transaction request information including at least one predetermined financial institution identifier and the beneficiary wireless terminal 3160 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 3110 for providing a financial transaction interface to be transmitted), and the financial institution identifier and the recipient wireless terminal 3160 information and transaction amount information from the wireless terminal in association with the interface unit 3105; Receive financial transaction request information including at least one transaction authentication information and various memos (or messages), And an information receiver 3115 for reading the information of the wireless terminal 3155, which is the remitter that has transmitted the financial transaction request information in association with the interface unit 3105.

The interface unit 3105 connects the remitter wireless terminal 3155 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and the communication defined in the communication program included in the remitter wireless terminal 3155. 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 3155 of the remitter, the interface unit 3105 may transmit the remitter based on the CDMA protocol. Connects a communication channel with a wireless terminal 3155 and uses a WAP / ME protocol defined in the browser program to provide a web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant 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 interface unit 3105 connects the remittance wireless terminal 3155 and a predetermined communication channel according to each 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 3110 may input financial transaction request information including at least one predetermined financial institution identifier and a receiver wireless terminal 3160 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 3105. And providing a financial transaction interface including the financial transaction interface to the remitter wireless terminal 3155 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 3155 and transmitting the financial transaction request information to the financial institution server 3100 through the wireless communication network is provided. When a predetermined program is provided, the wireless terminal 3155 is a remitter of a financial transaction interface including a user interface for inputting (or selecting) predetermined financial transaction request information to the financial institution server 3100 as described above. The interface providing unit 3110 may be omitted. Thus, the present invention is not limited thereto.

Financial transaction request information including at least one or more financial institution identifier and recipient wireless terminal 3160 information, transaction amount information, transaction authentication information, and various memos (or messages) in the remitter wireless terminal 3155 through the financial transaction interface. When inputting (or selecting) and transmitting, the information receiving unit 3115 is characterized in that for receiving the financial transaction request information in conjunction with the interface unit 3105.

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 financial transaction between the wireless terminals. It is preferable that a plurality of financial institutions that provide a unique number (or unique code, or unique string) to identify a financial institution opened a financial account associated with the remitter wireless terminal (3155) information.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals, or through the financial account information stored in connection with the wireless terminal 3155 information of the remitter to the storage medium 3145. When the financial institution providing the financial transaction between the wireless terminals can be identified, the financial institution identifier may be omitted from the financial transaction request information, and thus the present invention is not limited thereto.

The beneficiary wireless terminal 3160 information included in the financial transaction request information is information corresponding to a financial transaction target between wireless terminals provided by the financial company server 3100, and the wireless terminal information is stored in the storage medium 3145. The at least one radio terminal information stored in the terminal may be matched with predetermined radio terminal information.

The transaction value information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided by the financial company server 3100, and the transaction value information is wirelessly transmitted to the storage medium 3145. It is preferable to include at least one or more of the amount withdrawn from the financial account associated with the terminal 3155 information, or the 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 financial company server 3100, and the wireless terminal 3155 information of the remitter to the storage medium 3145. It is preferable to include predetermined authentication information (for example, a password) to be compared (or authenticated) with the transaction authentication information stored in association with each other.

According to an embodiment of the present invention, the transaction password stored in connection with the remitter wireless terminal 3155 information in the storage medium 3145 is stored in the account password corresponding to the financial account associated with the remitter wireless terminal 3155 information. Financial transaction authentication information including at least one 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 3145. It is preferable to include information.

According to another exemplary embodiment of the present invention, transaction authentication information stored in association with the payee wireless terminal 3160 information stored in the storage medium 3145 is predetermined by the financial company for confirmation of the payee for the financial transaction between the wireless terminals. When the financial transaction confirmation information is included, the transaction authentication information may include financial transaction confirmation information to be compared (or authenticated) with transaction authentication information stored in the storage medium 3145.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 3145, the transaction authentication information may be omitted from the financial transaction request information, thereby limiting the present invention. No.

The memo (or message) included in the financial transaction request information includes at least one or more information that must be provided to the financial institution server 3100 to process a financial transaction between wireless terminals provided by the financial institution server 3100. It is preferable to make it.

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 receiver 3115 reads the information of the wireless terminal 3155 that is the remitter that has transmitted the financial transaction request information from the communication channel information corresponding to the wireless terminal 3155 that is the remitter in association with the interface unit 3105. It is characterized by.

Referring to FIG. 31, when the financial institution server 3100 receives the at least one financial transaction request information through the information receiver 3115 and reads the information of the wireless terminal 3155, which is the remittance, the storage medium. Check the remitter financial account information associated with the read remitter wireless terminal 3155 information from the receivable sender wireless terminal 3155, and the receivable wireless terminal 3160 information included in the read financial transaction request information from the storage medium 3145; And an information checking unit 3120 for confirming the linked payee financial account information.

The information checking unit 3120 is connected to the storage medium 3145 registered through the information registration system shown in FIGS. 16 and / or 21 and transfers the financial account linked to the information of the readout wireless terminal 3155. Check the information, and check the payee financial account information associated with the recipient wireless terminal 3160 information included in the received financial transaction request information in connection with the storage medium (3145).

According to the method of the present invention, when the received predetermined transaction authentication information is read, the information checking unit 3120 is linked to the storage medium 3145, the information of the remitter wireless terminal 3155 (or remitter financial account) Information) and confirms the validity of the financial transaction between the wireless terminals by comparing (or authenticating) the transaction authentication information identified from the storage medium 3145 and the received transaction authentication information. It is desirable to confirm.

Referring to FIG. 31, the financial company server 3100 may include a validity confirming unit 3125 for confirming validity of the financial transaction request information, and information about the remitter wireless terminal 3155 corresponding to the financial transaction request information. It is characterized in that it comprises a financial transaction authentication interface 3130 to provide a predetermined financial transaction authentication interface to the remitter wireless terminal 3155 to authenticate the financial transaction validity between the wireless terminals.

The validity confirming unit 3125 checks the validity of the financial transaction request information in connection with a financial system equipped with a remitter financial account included in the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction request information includes predetermined financial transaction authentication information, the validity check of the financial transaction request information includes the financial transaction authentication information and the financial transaction authentication information included in the financial transaction request information in association with the financial system. It is preferable to include comparing (or authenticating) the financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction request information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction request information is determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

The financial transaction authentication interface 3130 inputs predetermined financial transaction authentication information (eg, an account password, a financial transaction password, security card information, etc.) to a wireless terminal corresponding to the information of the remitter wireless terminal 3155 and the financial company. Provide a predetermined financial transaction authentication interface for direct transmission to the server 3100, receive the financial transaction authentication information from the remitter wireless terminal 3155, and then receive the financial transaction received from the wireless terminal in association with the financial system. The transaction authentication information and the corresponding financial transaction authentication information provided in the ledger D / B by comparing (or authentication), characterized in that for authenticating the financial transaction validity between the wireless terminals.

According to an embodiment of the present invention, the financial transaction authentication interface 3130 includes a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 3155. When the wireless terminal transmits a wireless message and the wireless terminal accesses the callback UE, a predetermined financial transaction authentication interface is provided to input predetermined financial transaction authentication information to the financial company server 3100. And after receiving the financial transaction authentication information from the remitter wireless terminal 3155, the financial transaction authentication information received from the wireless terminal in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B. It is preferable to authenticate (or authenticate) the financial transaction validity between the wireless terminals.

Referring to FIG. 31, after the financial company server 3100 is verified that the validity of the financial transaction request information and / or the validity of the financial transaction authentication information is verified, the financial inter-terminal finance corresponding to the financial transaction request information is verified. If the transaction includes a financial transaction to withdraw (or transfer) a predetermined amount from the remitter's financial account, a predetermined virtual account is opened in connection with the financial system, and the withdrawal (or transfer) of the transaction amount from the remitter's financial account. And a predetermined financial transaction confirmation interface to a virtual account processing unit for depositing the opened virtual account and a wireless terminal corresponding to information on the beneficiary wireless terminal 3160 included in the financial transaction request information. A financial transaction for depositing by transferring the transaction amount deposited into the virtual account to the beneficiary financial account at Characterized in that for having made the payment to make (or motion) financial transaction confirmation interface unit (3135) for handling.

According to another embodiment of the present invention, if the financial transaction between the wireless terminals corresponding to the financial transaction request information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the financial transaction confirmation interface unit. 3135 is a wireless terminal corresponding to the recipient wireless terminal 3160 information included in the financial transaction request information, and provides a predetermined financial transaction confirmation interface to process the recipient confirmation (or agreement) for the financial transaction between the wireless terminals. Characterized in that.

Conditions for processing a financial transaction between the wireless terminals are satisfied based on the financial transaction request information (eg, validity of the financial transaction request information and / or validity of the financial transaction authentication information is authenticated), and When the financial transaction between the wireless terminals corresponding to the financial transaction request information includes a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processor may generate a virtual account having a predetermined real account as a parent account. Wherein the real account corresponding to the parent account of the virtual account is any one of the financial company account, the telecommunication company account, the financial transaction management account between the wireless terminals, the remitter financial account, or the payee financial account. It is preferable to comprise a.

Thereafter, the virtual account processing unit may withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the virtual account.

According to the exemplary embodiment of the present invention, the virtual account processor may maintain the transaction amount deposited into the virtual account for a predetermined period of time, and if the financial transaction of the payee is not confirmed within the period, the virtual account is deposited in the virtual account. The remittance is preferably returned to the financial account.

When the transaction amount is deposited in the virtual account, the financial transaction confirmation interface unit 3135 transmits the financial transaction confirmation information (eg, to the storage medium 3145) to the wireless terminal corresponding to the receiver wireless terminal 3160 information. Provide a predetermined financial transaction confirmation interface for inputting and transmitting transaction authentication information stored in association with the recipient wireless terminal 3160 information to the financial institution server 3100, and the financial transaction from the recipient wireless terminal 3160. After receiving the confirmation information, the financial transaction confirmation information received from the wireless terminal in connection with the financial system and the recipient side transaction authentication information stored in the storage medium 3145 (or authenticated) and the deposit to the virtual account Characterized in that the processing of the beneficiary confirmation (or consent) for the financial transaction to transfer the transaction amount to the beneficiary financial account to deposit Shall be.

According to an embodiment of the present invention, the financial transaction confirmation interface unit 3135 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 3160 information. When a wireless message is transmitted and the wireless terminal is connected through the callback UE, the wireless terminal stores a predetermined financial transaction confirmation information (for example, a storage medium 3145 stored in association with the recipient wireless terminal 3160 information). Authentication information) to provide a predetermined financial transaction confirmation interface to be transmitted to the financial institution server 3100, and after receiving the financial transaction confirmation information from the payee wireless terminal 3160, in connection with the financial system Comparing the financial transaction confirmation information received from the wireless terminal and the transaction authentication information of the recipient side stored in the storage medium (3145) (or ) And it is desirable to process the check payee (or consent) of the said transaction amount deposited in the virtual account in which to deposit financial transactions and transfer money to the payee financial accounts.

According to another embodiment of the present invention, a condition for processing a financial transaction between the wireless terminals is satisfied based on the financial transaction request information (eg, validity of the financial transaction request information and / or authentication of the financial transaction authentication information). Validity), but when the financial transaction between the wireless terminals corresponding to the financial transaction request information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the virtual account processing unit performs the virtual account. To establish, and may not perform a function of depositing (or transferring) the transaction amount from the remitter financial account to the virtual account, whereby the present invention is not limited.

If the financial transaction between the wireless terminals corresponding to the financial transaction processing information does not include a financial transaction for withdrawing (or transferring) a predetermined amount from the remitter's financial account, the financial transaction confirmation interface unit 3135 may be configured as the recipient wireless terminal. The financial company server 3100 inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the payee wireless terminal 3160 information) to a wireless terminal corresponding to the information. Provide a predetermined financial transaction confirmation interface for transmitting the financial transaction confirmation information from the payee wireless terminal 3160, and store the financial transaction confirmation information received from the wireless terminal in association with the financial system. Compare (or authenticate) the recipient side transaction authentication information stored in the medium 3145 to confirm the recipient for the financial transaction between the wireless terminals. Characterized in that the handle (or motion).

According to an embodiment of the present invention, the financial transaction confirmation interface unit 3135 includes a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the recipient wireless terminal 3160 information. When a wireless message is transmitted and the wireless terminal accesses through the callback UE, the wireless terminal stores predetermined financial transaction confirmation information (eg, stored in the storage medium 3145 in association with the recipient wireless terminal 3160 information). Provide a predetermined financial transaction confirmation interface for inputting and transmitting transaction authentication information to the financial company server 3100, and receive the financial transaction confirmation information from the payee wireless terminal 3160, and then link with the financial system. Compare the financial transaction confirmation information received from the wireless terminal with the recipient side transaction authentication information stored in the storage medium (3145) (or It is preferable to process the recipient confirmation (or consent) for the financial transaction between the wireless terminals.

Referring to FIG. 31, the financial institution server 3100 processes a predetermined financial transaction corresponding to the full text of the financial transaction request in association with the financial system when the recipient confirms (or agrees to) the financial transaction. Each wireless terminal corresponding to the remitter wireless terminal 3155 information and the receiver wireless terminal 3160 information is sent to the financial transaction processing unit 3140 and a wireless message including a predetermined financial transaction processing history corresponding to the financial transaction processing. Characterized in that it comprises a specialized processing unit for transmitting to.

According to an embodiment of the present invention for the financial transaction to be withdrawn (or transferred) from the remitter financial account by the financial transaction confirmation interface unit 3135 to deposit the amount deposited in the virtual account to the beneficiary financial account When the recipient confirmation (or agreement) is processed, the financial transaction processing unit 3140 withdraws (or transfers) the amount deposited in the virtual account according to the financial transaction request information in connection with the financial system in which the virtual account is opened. Characterized in that for processing the financial transactions deposited into the recipient financial account.

In accordance with another embodiment of the present invention, the financial transaction confirmation interface unit 3135 may withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the beneficiary financial account. Or agreement), the financial transaction processing unit 3140 processes the financial transaction between wireless terminals corresponding to the financial transaction request information in connection with the financial system in which the remitter financial account is opened.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 3140 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 desirable to generate a financial transaction processing history.

The specialized processing unit provides the financial transaction processing details to a telecommunication company server 3150 through a predetermined communication means, thereby transmitting a predetermined financial transaction processing message including the financial transaction processing details from the telecommunication company server 3150. The wireless terminal corresponding to the terminal 3155 information and the recipient wireless terminal 3160 information are transmitted to the wireless terminal.

According to another embodiment of the present invention, the specialized processing unit transmits a predetermined financial transaction processing message including the financial transaction processing history through the wireless communication network to the wireless terminal 3155 information corresponding to the remitter wireless terminal 3155 and the recipient. The wireless terminal 3160 information may be transmitted to the wireless terminal, and the present invention is not limited thereto.

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

In more detail, FIG. 32 shows a predetermined recipient for a financial transaction between the wireless terminals by accessing the financial company server 3100 from a wireless terminal 3155, which is a remittance on a wireless internet-based wireless terminal financial transaction system shown in FIG. When the financial transaction request information including at least one of wireless terminal 3160 information and a transaction amount is transmitted, the remitter corresponding to the financial transaction request information is linked to the storage medium 3145 by the financial institution server 3100. Regarding the process of confirming the remittee financial account information associated with the wireless terminal (3155) information and the recipient financial account information associated with the recipient wireless terminal (3160) information, a person having ordinary knowledge in the technical field to which the present invention belongs If so, various implementation methods for the financial transaction request process between the wireless Internet-based wireless terminals are described with reference to FIG. 32 and / or modified. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 32, a predetermined transaction for financial transactions between the financial company server 3100 and a wireless terminal through a predetermined wireless communication network in a wireless terminal 3155, which is a remittance on a wireless internet-based wireless terminal financial transaction system shown in FIG. The communication channel of the connection (3200).

According to an embodiment of the present invention, the financial institution server 3100 connects the remitter wireless terminal 3155 and a predetermined communication channel based on the protocol stack defined in the wireless communication network, and connects the remitter wireless terminal 3155 to the remitter wireless terminal 3155. 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 a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol is provided in the wireless terminal 3155 of the remitter, the financial institution server 3100 may transmit the remitter based on the CDMA protocol. Connects a communication channel with a wireless terminal 3155 and uses a WAP / ME protocol defined in the browser program to provide a web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant 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 financial institution server 3100 connects the remittance wireless terminal 3155 and a predetermined communication channel according to each 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 financial company server 3100 generates (or extracts) a financial transaction interface for the financial transaction between the wireless terminals and provides the remitter to the wireless terminal 3155 (3205).

According to an exemplary embodiment of the present invention, the financial company server 3100 may include information about a predetermined financial institution identifier and a recipient wireless terminal 3160, transaction amount information, transaction authentication information, and various memos (or messages) in the remitter wireless terminal 3155. Generate (or select) 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 3105 Preferably, the financial transaction interface including at least one or more of the generated (or extracted) user interfaces is provided to the remittance wireless terminal 3155 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 3155 and transmitting the financial transaction request information to the financial company server 3100 through the wireless communication network. When a predetermined program is provided, the financial institution server 3100 inputs (or selects) predetermined financial transaction request information and transmits a financial transaction interface including a user interface to transmit the predetermined financial transaction request information to the financial institution server 3100. It is not necessary to provide the remitter to the wireless terminal 3155, whereby the present invention is not limited.

Thereafter, the remitter wireless terminal 3155 inputs (or selects) at least one or more financial transaction request information through the financial transaction interface and transmits it to the financial company server 3100 through the communication channel (3210).

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 financial transaction between the wireless terminals. It is preferable that a plurality of financial institutions that provide a unique number (or unique code, or unique string) to identify a financial institution opened a financial account associated with the remitter wireless terminal (3155) information.

According to another exemplary embodiment of the present invention, there is one financial institution that provides financial transactions between the wireless terminals, or through the financial account information stored in connection with the wireless terminal 3155 information of the remitter to the storage medium 3145. When the financial institution providing the financial transaction between the wireless terminals can be identified, the financial institution identifier may be omitted from the financial transaction request information, and thus the present invention is not limited thereto.

The beneficiary wireless terminal 3160 information included in the financial transaction request information is information corresponding to a financial transaction target between wireless terminals provided by the financial company server 3100, and the wireless terminal information is stored in the storage medium 3145. The at least one radio terminal information stored in the terminal may be matched with predetermined radio terminal information.

The transaction value information included in the financial transaction request information is information corresponding to a financial transaction amount between wireless terminals provided by the financial company server 3100, and the transaction value information is wirelessly transmitted to the storage medium 3145. It is preferable to include at least one or more of the amount withdrawn from the financial account associated with the terminal 3155 information, or the 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 financial company server 3100, and the wireless terminal 3155 information of the remitter to the storage medium 3145. It is preferable to include predetermined authentication information (for example, a password) to be compared (or authenticated) with the transaction authentication information stored in association with each other.

According to an embodiment of the present invention, the transaction password stored in connection with the remitter wireless terminal 3155 information in the storage medium 3145 is stored in the account password corresponding to the financial account associated with the remitter wireless terminal 3155 information. Financial transaction authentication information including at least one 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 3145. It is preferable to include information.

According to another exemplary embodiment of the present invention, transaction authentication information stored in association with the payee wireless terminal 3160 information stored in the storage medium 3145 is predetermined by the financial company for confirmation of the payee for the financial transaction between the wireless terminals. When the financial transaction confirmation information is included, the transaction authentication information may include financial transaction confirmation information to be compared (or authenticated) with transaction authentication information stored in the storage medium 3145.

According to another exemplary embodiment of the present invention, when the transaction authentication information is omitted in the storage medium 3145, the transaction authentication information may be omitted from the financial transaction request information, thereby limiting the present invention. No.

The memo (or message) included in the financial transaction request information includes at least one or more information that must be provided to the financial company server 3100 to process a financial transaction between wireless terminals provided by the financial company server 3100. It is preferable to comprise.

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 financial company server 3100 checks the validity of the received financial transaction request information (3215).

According to an embodiment of the present invention, the financial institution server 3100 is connected to the information of the readout remitter wireless terminal 3155 in association with the storage medium 3145 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 3160 information included in the received financial transaction request information in connection with the storage medium (3145).

In addition, when the financial institution server 3100 includes predetermined transaction authentication information in the received financial transaction request information, the financial institution server 3100 may be connected to the storage medium 3145 to transmit the wireless terminal 3155 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 confirmed from the storage medium 3145 with the received transaction authentication information to validate the carrier's side validity of the financial transaction between the wireless terminals. It is desirable to confirm.

If the validity of the financial transaction request information is not verified (3220), the financial institution server 3100 generates the financial transaction request information error information for the financial transaction request information by generating the predetermined financial transaction request information error information. The sender is transmitted to the wireless terminal 3155 (3225), and correspondingly, the remitter wireless terminal 3155 repeats the financial transaction request information transmission process.

On the other hand, if the validity of the financial transaction request information is confirmed (3220), the financial institution server 3100 is the remitter wireless terminal (3155) information and the recipient wireless terminal corresponding to the financial transaction request information from the storage medium (3145) ( 3160, the sender financial account information and the recipient financial account information corresponding to the information are verified (3230).

33a illustrates a financial transaction authentication process between wireless terminals based on another embodiment of the present invention.

More specifically, FIG. 33A illustrates a request for a financial transaction between wireless terminals shown in FIG. 32 in a financial company server 3100 on a wireless internet-based wireless terminal financial transaction system shown in FIG. (3155) Upon checking the remitter financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 3160 information, the financial company server 3100 based on the financial transaction request information on the wireless terminal. The present invention relates to a process of authenticating the validity of the inter-financial transaction. Specifically, the present invention relates to a process of processing the remitter-side financial transaction of the financial transaction between the wireless terminals through a predetermined virtual account after the authentication of the financial transaction between the wireless terminals.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the financial transaction authentication process between the wireless Internet-based wireless terminals by referring to and / or modifying the drawing 33a. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 33A, the financial company server 3100 on the wireless internet-based wireless terminal financial transaction system shown in FIG. 31 performs the financial transaction request process between the wireless terminals shown in FIG. 32, thereby transmitting the wireless terminal 3155. When the payer financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 3160 information are confirmed, the financial company server 3100 checks the validity of the financial transaction request information (3300a). ).

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction request information includes predetermined financial transaction authentication information, the validity check of the financial transaction request information includes the financial transaction authentication information and the financial transaction authentication information included in the financial transaction request information in association with the financial system. It is preferable to include comparing (or authenticating) the financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction request information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction request information is determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction request information is not confirmed (3305a), the financial institution server 3100 generates predetermined financial transaction error information and transmits it to the remitter wireless terminal 3155 (3310a), and the remitter wireless terminal. The process of receiving the financial transaction request information from 3155 is repeated.

On the other hand, if the validity of the financial transaction request information is confirmed (3305a), the financial institution server 3100 is the remitter wireless terminal 3155 through the information of the remitter wireless terminal 3155 included in the received financial transaction request information. In operation 3315a, the remitter wireless terminal 3155 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface to the financial institution server 3100. In step 3320a, the financial institution server 3100 receives the financial transaction authentication information from the remitter wireless terminal 3155 and checks the validity of the financial transaction between the wireless terminals (3325a).

According to an embodiment of the present invention, the financial company server 3100 is a wireless terminal corresponding to the information of the remitter wireless terminal 3155 in connection with a predetermined wireless server. Password, security card information, etc.) to provide a predetermined financial transaction authentication interface for direct transmission to the financial institution server 3100, and after receiving the financial transaction authentication information from the remitter wireless terminal 3155, It is preferable to authenticate the financial transaction validity between the wireless terminals by comparing (or authenticating) the financial transaction authentication information received from the wireless terminal with the financial system in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B.

For example, the financial company server 3100 may include a wireless message including a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 3155 through a predetermined wireless server. And, if the wireless terminal is connected through the callback UEL, to provide a predetermined financial transaction authentication interface to input the predetermined financial transaction authentication information to the financial company server 3100, After receiving the financial transaction authentication information from the remitter wireless terminal 3155, the financial transaction authentication information received from the wireless terminal in comparison with the financial system is compared with the corresponding financial transaction authentication information provided in the ledger D / B. (Or authentication) it is preferable to authenticate the financial transaction validity between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (3330a), the financial institution server 3100 generates the predetermined financial transaction error information and transmits the predetermined financial transaction error information to the remitter wireless terminal 3155 ( 3310a), the process of receiving the financial transaction request information from the remitter wireless terminal 3155 is repeated.

On the other hand, if the validity of the financial transaction between wireless terminals is authenticated (3330a), the financial institution server 3100 opens a virtual account having a predetermined real account as a parent account for the financial transactions between the wireless terminals (3335a), where the virtual The real account corresponding to the mother account of the account is preferably made of any one of the financial company account, the telecommunications company account, the financial transaction management account between the wireless terminal, or the remitter financial account, or the recipient financial account.

If a virtual account for financial transactions between the wireless terminals is established (3340a), the financial institution server 3100 withdraws (or transfers) the transaction amount from the remitter's financial account in connection with the financial system in which the virtual account is opened. The deposit is processed to the opened virtual account (3345a).

If the transaction amount deposit is confirmed from the remitter financial account to the virtual account (3350a), the financial company server 3100, the financial company server 3100 confirms the financial transaction through the payee wireless terminal 3160 ( Or consent).

33B is a diagram illustrating a financial transaction authentication process between wireless terminals based on another embodiment of the present invention.

More specifically, FIG. 33B illustrates a process of requesting a financial transaction between wireless terminals shown in FIG. 32 in a financial company server 3100 on a wireless internet based inter-terminal financial transaction system shown in FIG. 3155) When the remitter financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 3160 information are confirmed, the financial company server 3100 between the wireless terminals based on the financial transaction request information. Regarding the process of authenticating financial transaction validity, those skilled in the art to which the present invention pertains can refer to FIG. 33b and / or modify the various financial transaction authentication processes between the wireless Internet-based wireless terminals. Although it will be possible to infer an implementation method, the present invention includes all the implementation methods inferred from the above, and FIG. 33B. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 33B, the financial company server 3100 on the wireless internet-based wireless terminal financial transaction system shown in FIG. 31 performs the financial transaction request process between the wireless terminals shown in FIG. When the payer financial account information associated with the information and the payee financial account information associated with the payee wireless terminal 3160 information are confirmed, the financial company server 3100 checks the validity of the financial transaction request information (3300b). ).

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system. It is preferable to include checking whether it is provided in the.

If the financial transaction request information includes predetermined financial transaction authentication information, the validity check of the financial transaction request information includes the financial transaction authentication information and the financial transaction authentication information included in the financial transaction request information in association with the financial system. It is preferable to include comparing (or authenticating) the financial transaction authentication information provided in the ledger D / B.

If the financial transaction between the wireless terminals through the financial transaction request information includes a financial transaction in which the transaction amount is withdrawn (or transferred) from the remitter financial account, the validity of the financial transaction request information is determined by the financial system. It is preferable to include the check whether the amount corresponding to the transaction amount is deposited in the remitter financial account.

If the validity of the financial transaction request information is not confirmed (3305b), the financial institution server 3100 generates predetermined financial transaction error information and transmits it to the remitter wireless terminal 3155 (3310b), and the remitter wireless terminal. The process of receiving the financial transaction request information from 3155 is repeated.

On the other hand, if the validity of the financial transaction request information is confirmed (3305b), the financial institution server 3100 is the remitter wireless terminal 3155 through the information of the remitter wireless terminal 3155 included in the received financial transaction request information. In operation 3315b, a predetermined financial transaction authentication interface is provided, and the remitter wireless terminal 3155 inputs (or selects) predetermined financial transaction authentication information through the financial transaction authentication interface. The financial institution server 3100 receives the financial transaction authentication information from the remitter-in wireless terminal 3155 and verifies the validity of the financial transaction between the wireless terminals (3325b).

According to an embodiment of the present invention, the financial company server 3100 is a wireless terminal corresponding to the information of the remitter wireless terminal 3155 in connection with a predetermined wireless server. Password, security card information, etc.) to provide a predetermined financial transaction authentication interface for direct transmission to the financial institution server 3100, and after receiving the financial transaction authentication information from the remitter wireless terminal 3155, It is preferable to authenticate the financial transaction validity between the wireless terminals by comparing (or authenticating) the financial transaction authentication information received from the wireless terminal with the financial system in association with the financial system and the corresponding financial transaction authentication information provided in the ledger D / B.

For example, the financial institution server 3100 may transmit a wireless message including a callback URL for providing a predetermined financial transaction authentication interface to a wireless terminal corresponding to the information of the remitter wireless terminal 3155 through a predetermined wireless server. When the wireless terminal is connected through the callback UE, the mobile terminal provides predetermined financial transaction authentication interface for inputting predetermined financial transaction authentication information to the financial company server 3100 and directly transmitting the financial transaction authentication information. After receiving the financial transaction authentication information from the remitter wireless terminal 3155, the financial transaction authentication information received from the wireless terminal in comparison with the financial system is compared with the corresponding financial transaction authentication information provided in the ledger D / B. (Or authentication) it is preferable to authenticate the financial transaction validity between the wireless terminals.

If the validity of the financial transaction between the wireless terminals is not authenticated (3330b), the financial institution server 3100 generates the predetermined financial transaction error information and transmits the predetermined financial transaction error information to the remitter wireless terminal 3155 ( 3310b), the process of receiving the financial transaction request information from the remitter wireless terminal 3155 is repeated.

On the other hand, if the validity of the financial transaction between the wireless terminals is authenticated (3330b), the financial company server 3100 performs the process of confirming (or agreeing) the financial transaction through the recipient wireless terminal 3160.

33 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.

More specifically, FIG. 33 illustrates a process of authenticating a financial transaction between wireless terminals shown in FIGS. 33A and / or 33B in a financial company server 3100 on a wireless Internet-based wireless terminal financial transaction system shown in FIG. 31. Thereafter, after processing the financial transaction confirmation (or agreement) through the recipient wireless terminal 3160, and the process of processing the financial transaction between the wireless terminal in connection with a predetermined financial system, the present invention belongs to Persons having ordinary skill in the art will be able to infer various implementation methods for the financial transaction processing process between the wireless Internet-based wireless terminals by referring to and / or modifying the drawing 33. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 33 to confirm a predetermined financial transaction with the receiver wireless terminal 3160. It would be possible to infer an implementation method comprising transmitting a message, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 33, after performing the financial transaction authentication process between the wireless terminals shown in FIGS. 33a and / or 33b, the financial company server 3100 on the wireless internet based inter-terminal financial transaction system shown in FIG. The financial company server 3100 provides a predetermined financial transaction confirmation interface to the remitter wireless terminal 3155 through the payee wireless terminal 3160 information (3400), and the remitter wireless terminal 3155 corresponds to the remitter wireless terminal 3155. Input predetermined financial transaction confirmation information (for example, information corresponding to the stored communication company-side financial transaction authentication information through the financial transaction confirmation interface in association with the recipient wireless terminal 3160 information) to the storage medium 3145 ( Or select) and transmit it to the financial company server 3100 (3405), and the financial company server 3100 receives the financial transaction confirmation information from the remitter wireless terminal 3155. The payee confirmation (or consent) for the authenticated financial transaction is confirmed through the wireless transaction authentication process shown in FIGS. 33A and / or 33B (3410).

According to an embodiment of the present invention, the financial transaction authentication process between the wireless terminals shown in FIG. 33A is performed to authenticate the financial transaction between the wireless terminals, and withdraw (or transfer) the transaction amount from the remitter's financial account. In the case of depositing into an account, the financial institution server 3100 is a wireless terminal corresponding to the receiver wireless terminal 3160 information, and the predetermined financial transaction confirmation information (for example, information on the receiver wireless terminal 3160 in the storage medium 3145). Input a transaction authentication information stored in association with the bank) to provide a predetermined financial transaction confirmation interface for transmitting to the financial institution server 3100, and after receiving the financial transaction confirmation information from the payee wireless terminal 3160, Comparing the financial transaction confirmation information received from the wireless terminal and the recipient side transaction authentication information stored in the storage medium 3145 in association with the financial system (and Authentication) and it is desirable to process the check payee (or consent) of the said transaction amount deposited in the virtual account in which to deposit financial transactions and transfer money to the payee financial accounts.

For example, the financial company server 3100 transmits a wireless message including a callback URL for providing a predetermined financial transaction confirmation interface to a wireless terminal corresponding to the payee wireless terminal 3160 information. When the terminal accesses through the callback UEL, the financial company by inputting the predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the recipient wireless terminal 3160 information) in the storage medium 3145 After providing a predetermined financial transaction confirmation interface for transmitting to the server 3100, receiving the financial transaction confirmation information from the payee wireless terminal 3160, the financial transaction received from the wireless terminal in conjunction with the financial system The deposit information to the virtual account is compared (or authenticated) with the confirmation information and the transaction authentication information of the payee side stored in the storage medium 3145. To process the check payee for the future amounts to financial transactions to transfer to the transfer to the beneficiary financial account (or agreement) is preferred.

According to another exemplary embodiment of the present invention, when the financial transaction authentication process between the wireless terminals shown in FIG. 33B is performed, the financial institution server 3100 is a wireless terminal corresponding to the receiver wireless terminal 3160 information. Provides a predetermined financial transaction confirmation interface for inputting financial transaction confirmation information (for example, transaction authentication information stored in association with the payee wireless terminal 3160 information) in the storage medium 3145 to be transmitted to the financial company server 3100. And after receiving the financial transaction confirmation information from the payee wireless terminal 3160, the financial transaction confirmation information received from the wireless terminal in connection with the financial system and the recipient side transaction authentication information stored in the storage medium 3145. Comparing (or authenticating) it is desirable to process the payee confirmation (or consent) for the financial transaction between the wireless terminals.

For example, the financial transaction confirmation interface unit 3135 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 3160 information. When the wireless terminal connects through the callback UEL, inputs predetermined financial transaction confirmation information (for example, transaction authentication information stored in association with the receiver wireless terminal 3160 information) in the storage medium 3145, After providing a predetermined financial transaction confirmation interface for transmitting to the financial company server 3100, receiving the financial transaction confirmation information from the payee wireless terminal 3160, and received from the wireless terminal in conjunction with the financial system The wireless terminal compares (or authenticates) the financial transaction confirmation information with the recipient side transaction authentication information stored in the storage medium 3145. To process the check payee (or agreement) on financial transactions is desirable.

If the validity of the financial transaction confirmation information is not authenticated (3415), the financial company server 3100 generates predetermined financial transaction error information and transmits it to the payee wireless terminal 3160 (3420), and the financial company server 3100. Repeat the process of receiving the financial transaction processing information from the).

On the other hand, if the validity of the financial transaction confirmation information is verified (3415), the financial company server 3100 processes the financial transaction between wireless terminals corresponding to the full text of the financial transaction request in connection with the financial system in which the remitter financial account is opened. (3425).

In the case of the recipient confirmation (or agreement) for the financial transaction to withdraw (or transfer) from the remitter's financial account according to one embodiment of the present invention to deposit the amount deposited in the virtual account into the beneficiary financial account, The financial company server 3100 withdraws (or transfers) the amount deposited in the virtual account according to the financial transaction request information in connection with the financial system in which the virtual account is opened, and processes a financial transaction for depositing the money into the beneficiary financial account. Characterized in that.

According to another embodiment of the present invention, when the recipient confirmation (or agreement) for the financial transaction to withdraw (or transfer) the transaction amount from the remitter financial account and deposit the money into the recipient financial account, the financial company server The 3100 may be configured to process a financial transaction between wireless terminals corresponding to the financial transaction request information in connection with a financial system in which the remitter financial account is opened.

If the financial transaction between the wireless terminals is processed (3430), the financial company server 3100 generates a financial transaction processing history including any one of predetermined financial transaction approval information, or financial transaction error information through the communication means. And transmits to the communication company server 3150 (3435), and correspondingly, the communication company server 3150 generates a predetermined financial transaction processing message including the financial transaction processing (3440), and generates the generated financial transaction. The process message is transmitted to the sender's wireless terminal 3155 and the receiver's wireless terminal 3160 (3445).

According to the present invention, based on the wireless terminal information and the financial account information stored in a predetermined storage medium, a predetermined virtual at the time of the financial transaction between the wireless terminal linked to the ledger in real time in conjunction with a predetermined financial company opened the financial account in the communication company The account has the advantage of providing a secure and convenient financial transaction service without real-time confirmation of the payee.

According to the present invention, based on the wireless terminal information and the financial account information stored in a predetermined storage medium in the financial company in real time financial transactions between the wireless terminal linked to the predetermined ledger, secure and secure without the real-time confirmation of the recipient through a predetermined virtual account There is an advantage of providing financial transaction services conveniently.

According to the present invention, a mobile communication company and a financial company interoperate with each other based on wireless terminal information and financial account information stored in a predetermined storage medium to provide a financial transaction between wireless terminals in real time interworking with a predetermined ledger, corresponding to the wireless terminal. There is an advantage in attracting a telecommunication company customer as the financial company customer.

Claims (5)

Storing the predetermined wireless terminal information and the financial account information in a predetermined storage medium in a predetermined information storage means; In a financial transaction between the wireless terminals using the wireless terminal information, the predetermined receiver wireless terminal information and the transaction amount information are distinguished from the predetermined remitter wireless terminal by a predetermined identifier included in the message information of the wireless message. Receiving by; The remitter wireless terminal information, the recipient wireless terminal information and the transaction amount information are identified from the message information in a predetermined information checking means, and the remitter associated with the remitter wireless terminal information in association with the storage medium (or storage medium operating means). Confirming payee financial account information associated with the financial account information and the payee wireless terminal information; In a predetermined virtual account processing means, a virtual account including a predetermined real account-a financial company account, a telecommunications company account, or a financial transaction management account between the wireless terminals, or the remitter financial account or the payee financial account-is opened. Withdrawing (or transferring) the transaction amount from the remitter financial account and depositing it into the virtual account; Confirming a recipient agreement for the financial transaction in association with a wireless terminal corresponding to the recipient wireless terminal information in a predetermined financial transaction checking means; When confirming the recipient's consent, withdrawing (or transferring) the amount deposited in the virtual account by the predetermined financial transaction processing means to the recipient's financial account, and depositing the wireless terminal using a virtual account, characterized in that it comprises a. Inter-financial trading method. Storing the predetermined wireless terminal information and the financial account information in a predetermined storage medium in a predetermined information storage means; Receiving a predetermined recipient wireless terminal information and a transaction amount information from a predetermined remitter wireless terminal in a predetermined message receiving means in a financial transaction between wireless terminals using the wireless terminal information through wireless internet; Identifying remitter financial account information associated with the remitter wireless terminal information and payee financial account information associated with the remittee wireless terminal information in connection with the storage medium (or storage medium operating means) in a predetermined information checking means; In a predetermined virtual account processing means, a virtual account including a predetermined real account-a financial company account, a telecommunications company account, or a financial transaction management account between the wireless terminals, or the remitter financial account or the payee financial account-is opened. Withdrawing (or transferring) the transaction amount from the remitter financial account and depositing it into the virtual account; Confirming a recipient agreement for the financial transaction in association with a wireless terminal corresponding to the recipient wireless terminal information in a predetermined financial transaction checking means; When confirming the recipient's consent, withdrawing (or transferring) the amount deposited in the virtual account by the predetermined financial transaction processing means to the recipient's financial account, and depositing the wireless terminal using a virtual account, characterized in that it comprises a. Inter-financial trading method. The method according to claim 1 or 2, And verifying validity of the financial transaction in association with a wireless terminal corresponding to the remitter wireless terminal information in a predetermined validity checking means. A recording medium comprising a program for executing the method of claim 1 or 2. Message receiving means for receiving a predetermined recipient wireless terminal information and a transaction amount information from a predetermined remitter wireless terminal through a predetermined identifier included in the message information of the wireless message during a financial transaction between the wireless terminals using the wireless terminal information; The sender wireless terminal information, the receiver wireless terminal information, and the transaction amount information are identified from the message information, and the storage device is connected to a storage medium (or storage medium operating means) for storing the predetermined wireless terminal information and the financial account information in association with each other. Information checking means for confirming the remitter financial account information associated with the remitter wireless terminal information and the remittee financial account information associated with the remittee wireless terminal information; Withdraw (or transfer) the transaction amount from the remitter's financial account to a financial company account, a telecommunication company account, or a financial transaction management account between the wireless terminals, or the remitter's financial account or the recipient's financial account as a virtual account. Depositing virtual account processing means; Financial transaction confirming means for confirming a recipient's consent for the financial transaction in association with a wireless terminal corresponding to the recipient wireless terminal information; And And a financial transaction processing means for depositing (or transferring) and depositing an amount deposited in the virtual account into the recipient financial account when confirming the recipient's consent. .

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