Method for providing banking services by use of mobile communication system

摘要

The device consists of mobile communication terminal that has an IC card chip that stores PIN information, user's general financial account information and loan account information, and a memory device that stores loan/payment application, which processes information retrieval of loan account via mobile banking and interest payments, and performs wireless data communication : The banking server that processes requests for loan data retrieval and interest payments from the loan/payment application in the said mobile terminal. The said mobile terminal and banking server use E2E (End to End) or WPKI (Wireless Public Key Infrastructure) encoding technique for secure data and financial information transfer. The process consists of key signal entry related to a financial transaction at the said mobile terminal; the loan/payment application imbedded in the mobile terminal is executed whereupon PIN information is entered for log-in to the IC card chip; certification is performed within the mobile terminal; the user's financial account information is extracted from the IC card chip storage and displayed on the mobile terminal's display window; relevant inquiry or interest payment account is selected on the mobile terminal and its information is verified; loan status inquiry/ interest payment request message is organized using such information and sent to a relevant banking server; inquiry or interest payment from the loan/payment application is processed at the banking server; and the transaction detail information is received at the mobile terminal and its information is displayed on the terminal's display window.