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1. 发明授权

US07885870B2 System for providing banking services by use of mobile communication 有权
标题翻译：使用移动通信提供银行服务的系统
公开(公告)号：US07885870B2
公开(公告)日：2011-02-08
申请号：US10872448
申请日：2004-06-22
申请人： Deok-Young Nam , Hyung-Seok Kim , Jun-Hyung Kim , Hee-Jin Park
发明人： Deok-Young Nam , Hyung-Seok Kim , Jun-Hyung Kim , Hee-Jin Park
IPC分类号： G06Q40/10
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/32 , G06Q20/3223 , G06Q20/341 , G06Q40/00 , G06Q40/02 , G07F7/0886
摘要： A system for providing banking services by use of a mobile communication system, in which a variety of financial transactions including inquiry of at least one financial account of at least one financial institution, transfer and remittance, and loan and its interest payment are processed by the mobile communication system. The system includes: the mobile communication system, provided with an integrated circuit (IC) card and a memory device to which a banking application is installed, for transmitting and receiving data by wireless, the IC card being stored with information on a personal identification number (PIN) and information related to financial accounts including a loan account. The banking application processing the financial transactions including the financial account inquiry, the transfer and remittance, and the loan and its interest payment by mobile banking; a base station transceiver system (BTS) for executing a wireless interface with the mobile communication system and a base station controller (BSC) for performing call processing and for providing a core network interface with the BTS. A packet data switching network (PDSN) for providing a packet data transfer service using a transmission control protocol/Internet protocol (TCP/IP); and at least one banking server for, when being requested to process the financial transactions including the financial transactions including the financial account inquiry, the transfer and remittance, and the loan and its interest payment by the banking application of the mobile communication system.
摘要翻译：一种使用移动通信系统提供银行服务的系统，其中包括至少一个金融机构的至少一个金融账户的查询，转账和汇款以及贷款及其利息支付的各种金融交易由移动通信系统。该系统包括：具有集成电路（IC）卡的移动通信系统和安装有银行应用的存储设备，用于通过无线发送和接收数据，IC卡被存储有关于个人识别号码的信息（PIN）和与金融账户有关的信息，包括贷款账户。银行业务处理金融交易，包括金融账户查询，汇款和汇款，贷款及其通过手机银行支付的利息; 用于执行与移动通信系统的无线接口的基站收发机系统（BTS）和用于执行呼叫处理并提供与BTS的核心网络接口的基站控制器（BSC）。一种用于使用传输控制协议/因特网协议（TCP / IP）提供分组数据传输服务的分组数据交换网络（PDSN）; 以及至少一个银行服务器，当被要求处理包括金融交易在内的金融交易，包括金融账户查询，汇款和汇款，以及移动通信系统的银行应用程序的贷款及其利息支付时。

2. 发明授权

US07374079B2 Method for providing banking services by use of mobile communication system 有权
标题翻译：使用移动通信系统提供银行服务的方法
公开(公告)号：US07374079B2
公开(公告)日：2008-05-20
申请号：US10872444
申请日：2004-06-22
申请人： Deok-Young Nam , Hyung-Seok Kim , Jun-Hyung Kim , Hee-Jin Park
发明人： Deok-Young Nam , Hyung-Seok Kim , Jun-Hyung Kim , Hee-Jin Park
IPC分类号： G06K19/06
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/32 , G06Q20/3223 , G06Q20/341 , G06Q40/00 , G06Q40/02 , G07F7/0886
摘要： A method of providing banking services by use of a mobile communication system having a removable built-in integrated circuit (IC) card chip in which personal identification number (PIN) information and related information on financial accounts of a user are stored. The method includes selecting an electronic bankbook service and selecting any one from financial transactions for the electronic bankbook service and comparing the PIN information input at the mobile communication system with the PIN information stored in the IC card chip, and authenticating access to data stored in the IC card chip on the mobile communication system. The method further includes displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system and forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system, and transmitting the financial transaction request message to the banking server. The method further includes performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server, and transmitting a financial transaction response message to the mobile communication system and displaying the resulting transaction history in the display window of the mobile communication system.
摘要翻译：一种通过使用移动通信系统提供银行服务的方法，所述移动通信系统具有存储个人识别码（PIN）信息和用户的财务账户的相关信息的可拆卸的内置集成电路（IC）卡芯片。该方法包括：从电子银行业务的金融交易中选择一个电子银行存折服务并选择任何一个，并将移动通信系统输入的PIN信息与存储在IC卡芯片中的PIN信息进行比较，以及对存储在IC卡芯片中的数据进行认证访问 IC卡芯片在移动通信系统上。该方法还包括在移动通信系统的显示窗口中显示存储在IC卡芯片中的用户的财务帐户信息，并通过内置在移动通信系统中的银行应用程序，使用所选金融账户的相关信息形成金融交易请求消息通信系统，并向金融服务器发送金融交易请求消息。该方法还包括对银行服务器上的金融交易和金融账户执行预定的客户认证处理，并向移动通信系统发送金融交易响应消息，并将所得交易历史显示在移动通信的显示窗口中系统。

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