| 摘要 |
The present invention generally relates to a wireless banking system and a wireless banking method using a mobile phone. The mobile phone includes a smart card inputting smart card information consisting of bank account information, log information, and an authentication key. A card applet is provided which operates the smart card information. The banking service uses a common full text and individual full texts used for banking transactions, prepared throu gh the smart card information and an input of the mobile phone. An encoding/decodin g module is provided for encoding the banking service full text and decoding t he response to the banking service full text by using a session key; and a card manager communicating the application with the smart card.
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