WO2004114698A1 - Systeme et procede de verrouillage/deverrouillage de fonction bancaire mobile - Google Patents

Systeme et procede de verrouillage/deverrouillage de fonction bancaire mobile Download PDF

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Publication number
WO2004114698A1
WO2004114698A1 PCT/KR2004/001497 KR2004001497W WO2004114698A1 WO 2004114698 A1 WO2004114698 A1 WO 2004114698A1 KR 2004001497 W KR2004001497 W KR 2004001497W WO 2004114698 A1 WO2004114698 A1 WO 2004114698A1
Authority
WO
WIPO (PCT)
Prior art keywords
mobile communication
communication terminal
chip
unlocking
sms message
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2004/001497
Other languages
English (en)
Inventor
Gwang-Sik Jeon
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
LG Uplus Corp
Original Assignee
LG Telecom Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by LG Telecom Ltd filed Critical LG Telecom Ltd
Priority to EP04773980A priority Critical patent/EP1645149A4/fr
Priority to JP2006516939A priority patent/JP2007521739A/ja
Publication of WO2004114698A1 publication Critical patent/WO2004114698A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W8/00—Network data management
    • H04W8/22—Processing or transfer of terminal data, e.g. status or physical capabilities
    • H04W8/24—Transfer of terminal data
    • H04W8/245—Transfer of terminal data from a network towards a terminal
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/08—Access security
    • H04W12/082—Access security using revocation of authorisation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/12—Detection or prevention of fraud
    • H04W12/126—Anti-theft arrangements, e.g. protection against subscriber identity module [SIM] cloning
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices
    • H04W88/022—Selective call receivers
    • H04W88/023—Selective call receivers with message or information receiving capability
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

Definitions

  • the present invention relates to a system and method for locking/unlocking a mobile banking function, and more particularly, to a system and method for locking/unlocking a mobile banking function using a short message service (SMS) message.
  • SMS short message service
  • a variety of mobile communication terminals such as mobile phones, PCS terminals, and PDA phones, support a variety of banking functions, such as user's card price inquiry and settlement, account balance inquiry, deposit transfer and remittance, and loan inquiry and redemption using an IC card chip, such as an embedded or external smart card chip or a traffic card chip in which personal financial information, such as a mobile communication terminal user (hereinafter, referred to as a user)'s account number for banking and a personal identification number (PIN) for user certification is stored.
  • IC card chip such as an embedded or external smart card chip or a traffic card chip in which personal financial information, such as a mobile communication terminal user (hereinafter, referred to as a user)'s account number for banking and a personal identification number (PIN) for user certification is stored.
  • PIN personal identification number
  • a financial host determines whether or not the personal financial information stored in the mobile communication IC card chip for which user certification is intended is coincident with the personal financial information registered in the blacklist of the financial host. In this case, if it is determined that the personal financial information stored in the mobile communication IC card chip for which user certification is intended is registered in the blacklist, the financial host restricts the personal financial information so that a banking function using the corresponding mobile communication IC card chip cannot be performed.
  • the present invention provides a system and method for locking/unlocking a mobile banking function in which when there is a user's request caused by a mobile communication terminal loss or theft accident, personal financial information stored in an IC card chip of a mobile communication terminal for storing personal financial information for supporting a banking function is maintained in a locking state using a short message service (SMS) message to disable access to the IC card chip or is unlocked to enable access to the IC card chip.
  • SMS short message service
  • a system for locking/unlocking a mobile banking function comprising a mobile communication terminal, which includes an embedded or external IC card chip in which personal financial information for supporting a banking function is stored, when the mobile communication terminal receives a chip blocking SMS message for maintaining the personal financial information stored in the IC card chip in a locking state, the mobile communication terminal restricting access to the IC card chip by driving an internal chip driver, and when the mobile communication terminal receives a chip blocking unlocking
  • SMS message for unlocking the locking state of the personal financial information the mobile communication tenninal permitting access to the IC card chip by driving the chip driver; a common carrier banking server, which communicates with the mobile communication terminal via a wireless base station and a short message service center (SMSC) and transmits a chip blocking SMS message or a chip blocking unlocking SMS message to the mobile communication terminal when receiving a chip blocking or chip blocking unlocking request from a financial organ issuing the IC card chip; and a financial organ host, which transmits a chip blocking request to the common carrier banking server when receiving a theft and loss report from a user of the mobile communication terminal, and which transmits a chip blocking unlocking request to the common carrier banking server when receiving a request for the reuse of the mobile communication terminal for which a theft and loss report has been filed from the user.
  • SMSC short message service center
  • a method of locking/unlocking a mobile banking function comprising when receiving a theft and loss report of a mobile communication terminal from a user of the mobile communication terminal or receiving a request for the reuse of the mobile communication terminal for which the theft and loss report has been filed from the user, requesting chip blocking or chip blocking unlocking of a common carrier banking server; transmitting a chip blocking short message service message or a chip blocking unlocking SMS message to the corresponding mobile communication terminal via a wireless base station and a PSDN; determining whether or not the SMS message received from the common carrier banking server is the chip blocking SMS message or the chip blocking unlocking SMS message; if it is determined that the SMS message received by the mobile communication terminal is the chip blocking SMS message, driving an internal chip driver of the mobile communication terminal to restrict access to an embedded or external IC card chip of the mobile communication terminal so that personal financial information stored in the IC card chip is maintained in a locking state; and if it is determined that the SMS message received by the mobile communication terminal is the chip blocking
  • FIG. 1 shows a structure of a system for locking/unlocking a mobile banking function according to an embodiment of the present invention
  • Fig. 2 is a flowchart showing a method of locking/unlocking a mobile banking function according to another embodiment of the present invention.
  • a mobile communication terminal 10 includes an embedded or external IC card chip 11 in which personal financial information for supporting a banking function is stored.
  • the mobile communication terminal 10 receives a chip blocking
  • the mobile communication terminal 10 restricts access to the IC card chip 11 by driving an internal chip driver 12.
  • the mobile communication terminal 10 receives a chip blocking unlocking SMS message for unlocking the locking state of the personal financial information, the mobile communication terminal 10 permits access to the IC card chip 11 by driving the chip driver 12.
  • the chip driver 12 embedded in the mobile communication terminal 10 restricts or pennits access to the IC card chip 11 of the mobile communication terminal 10 when the mobile communication terminal 10 receives a chip blocking SMS message or a chip blocking unlocking SMS message and requests chip blocking or chip blocking unlocking.
  • a common carrier banking server 40 communicates with the mobile communication terminal 10 via a wireless base station 20 and a short message service center (SMSC) 30 and transmits a chip blocking SMS message or a chip blocking unlocking SMS message to the mobile communication terminal 10 when receiving a chip blocking or chip blocking unlocking request from a financial organ issuing the IC card chip.
  • SMSC short message service center
  • a financial organ host 50 transmits a chip blocking request to the common carrier banking server 40 when a theft and loss report is filed by a user of the mobile communication terminal 10.
  • the financial organ host 50 receives a request for the reuse of the mobile communication terminal 10 for which a theft and loss report has been filed from the user, the financial organ host 50 transmits a chip blocking unlocking request to the common carrier banking server 40.
  • the system for locking/unlocking a mobile banking function having the above structure according to the present invention is operated using a method of locking/unlocking a mobile banking function shown in Fig. 2.
  • a mobile communication terminal 10 including an IC card chip 11, such as an embedded or external smart card chip or a traffic card chip storing personal financial information for supporting a banking function is stolen or lost, a user files a theft or loss report to a corresponding common carrier or a corresponding financial organ.
  • an IC card chip 11 such as an embedded or external smart card chip or a traffic card chip storing personal financial information for supporting a banking function
  • a user files a theft or loss report to a corresponding common carrier or a corresponding financial organ.
  • the user when the user has found the corresponding mobile communication terminal 10 after filing a theft and loss report of own mobile communication terminal 10, the user requests the reuse of the mobile communication terminal 10 for which a theft and loss report has been filed to the common carrier or the financial organ.
  • the common carrier banking server 40 receives the theft and loss report or the request for the reuse of the mobile communication terminal 10 and then transmits the contents of receipt to the financial organ host 50.
  • step S10 the financial organ host 50 requests chip blocking or chip blocking unlocking of the common carrier banking server 40.
  • step S20 the common carrier banking server 40 transmits a chip blocking SMS message including a mobile communication terminal number, a serial number of an IC card chip of a corresponding mobile communication tenninal 10, and a chip blocking command to the corresponding mobile communication terminal 10 via a chip blocking SMS message including a mobile communication terminal number, a serial number of an IC card chip of a corresponding mobile communication tenninal 10, and a chip blocking command to the corresponding mobile communication terminal 10 via a
  • PSDN 30 and a wireless base station 20 or transmits a chip blocking unlocking SMS message including the mobile communication terminal number, the serial number of the IC card chip of the corresponding mobile communication terminal 10, and the chip blocking unlocking command to the corresponding mobile communication terminal 10 to the corresponding mobile communication terminal 10.
  • step S30 the mobile communication terminal 10 determines whether or not the SMS message received from the common carrier banking server 40 is the chip blocking SMS message or the chip blocking unlocking SMS message.
  • step S40 the chip driver 12 drives to restrict access to the embedded or external IC card chip 11 of the mobile communication terminal 10 so that personal financial information stored in the IC card chip 11 is maintained in a locking state.
  • step S50 the chip driver 12 drives to permit access to the embedded or external IC card chip 11 of the mobile communication terminal 10 so that the personal financial information stored in the IC card chip 11 is unlocked.
  • the common carrier banking server 40 performs remote control on the mobile communication terminal 10 by a user's request or the request of the financial organ host 50 such that access to the IC card chip 11 of the mobile communication terminal
  • a short message service (SMS) message to disable access to the IC card chip or is unlocked to enable access to the IC card chip, such that when the mobile communication terminal is lost or stolen, an attempt for an illegal banking function using the IC card chip of the mobile communication terminal is completely prevented.
  • SMS short message service
  • a mobile communication terminal user does not need to visit a financial organ personally and needs to simply file a report to a corresponding fmancial organ or common carrier such that the use of an IC card chip of the mobile communication terminal is stopped or the IC card chip is reused.

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Databases & Information Systems (AREA)
  • Telephone Function (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé de verrouillage/déverrouillage de fonction bancaire mobile à l'aide d'un message de service de messages courts (SMS). Des informations financières personnelles stockées dans une puce de carte à circuit intégré (par exemple, une puce de carte à microprocesseur intégré ou externe ou une puce de carte de trafic) d'un terminal de communication mobile permettant de stocker des informations financières personnelles destinées à supporter une fonction bancaire sont maintenues dans un état de verrouillage à l'aide d'un message de service de messages courts (SMS) afin de désactiver l'accès à la puce de carte à circuit intégré ou sont déverrouillées afin de permettre l'accès à la puce de carte à circuit intégré. Ainsi, lorsque le terminal de communication mobile est perdu ou volé, une tentative de fonction bancaire illégale à l'aide de la puce de carte à circuit intégré du terminal de communication mobile peut être complètement empêchée, et un utilisateur de terminal de communication mobile n'a pas à se rendre dans un organe financier personnellement et n'a qu'à déposer un rapport chez un organe financier correspondant ou chez un opérateur commun de sorte que l'utilisation d'une puce de carte à circuit intégré du terminal de communication mobile peut être stoppé ou la puce de carte à circuit intégré peut être réutilisée.
PCT/KR2004/001497 2003-06-24 2004-06-22 Systeme et procede de verrouillage/deverrouillage de fonction bancaire mobile Ceased WO2004114698A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP04773980A EP1645149A4 (fr) 2003-06-24 2004-06-22 Systeme et procede de verrouillage/deverrouillage de fonction bancaire mobile
JP2006516939A JP2007521739A (ja) 2003-06-24 2004-06-22 移動通信端末の銀行業務機能ロッキング及びアンロッキングシステムとその方法

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2003-0041145 2003-06-24
KR1020030041145A KR100423403B1 (ko) 2003-06-24 2003-06-24 이동통신단말의 은행 업무 기능 잠금 및 해제 시스템과 그방법

Publications (1)

Publication Number Publication Date
WO2004114698A1 true WO2004114698A1 (fr) 2004-12-29

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2004/001497 Ceased WO2004114698A1 (fr) 2003-06-24 2004-06-22 Systeme et procede de verrouillage/deverrouillage de fonction bancaire mobile

Country Status (5)

Country Link
EP (1) EP1645149A4 (fr)
JP (1) JP2007521739A (fr)
KR (1) KR100423403B1 (fr)
CN (1) CN1810052A (fr)
WO (1) WO2004114698A1 (fr)

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1545141A1 (fr) * 2003-12-18 2005-06-22 ETURE.COM Co. Ltd. Système et procédé pour blocage PIN d'un terminal pour services bancaires mobiles
WO2005096650A1 (fr) * 2004-03-30 2005-10-13 Nokia Corporation Formatage et verrouillage a distance d'un terminal intelligent
WO2007027791A3 (fr) * 2005-08-31 2007-12-06 Metavante Corp Systeme et procede permettant de desactiver ou de reactiver une carte de compte financier
JP2010506518A (ja) * 2006-10-13 2010-02-25 華為技術有限公司 情報をロックする方法、システムおよび装置
EP2094036A3 (fr) * 2008-02-21 2010-06-02 NTT DoCoMo, Inc. Système de stockage de terminal mobile et procédé de contrôle d'accès
US7835723B2 (en) 2007-02-04 2010-11-16 Bank Of America Corporation Mobile banking
WO2010147559A1 (fr) 2009-06-16 2010-12-23 Smartconnect Holdings Pte. Ltd. Système et procédé de transaction
US8718602B2 (en) 2009-08-28 2014-05-06 Zte Corporation Method and system for remote control of smart card
US8718603B2 (en) 2009-08-28 2014-05-06 Zte Corporation Method and system for remote control of a smart card
EP2472923A4 (fr) * 2009-08-28 2014-05-07 Zte Corp Procédé et système de commande à distance de carte à puce
US8744403B2 (en) 2009-08-28 2014-06-03 Zte Corporation Method and system for remote control of a smart card
US8811971B2 (en) 2007-08-01 2014-08-19 Nxp B.V. Mobile communication device and method for disabling applications

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KR20060022524A (ko) * 2004-09-07 2006-03-10 엘지전자 주식회사 단문 메시지 서비스를 이용한 아이씨 카드 블록킹 방법
KR100617774B1 (ko) * 2004-11-03 2006-08-28 삼성전자주식회사 개인 금융 정보를 관리하는 이동 통신 단말기 및 그 방법
KR100948188B1 (ko) 2008-02-25 2010-03-16 주식회사 케이티 잠금 서비스를 제공하는 단말 및 이의 제공 방법
CN101789149A (zh) * 2009-01-24 2010-07-28 中兴通讯股份有限公司 锁定电子支付应用的方法和装置
CN104376467A (zh) * 2014-12-03 2015-02-25 东信和平科技股份有限公司 一种基于nfc技术的智能卡非接触刷卡控制方法及装置
KR101771575B1 (ko) 2017-04-05 2017-08-28 에스케이플래닛 주식회사 결제수단 관리 방법 및 이를 지원하는 장치
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Cited By (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1545141A1 (fr) * 2003-12-18 2005-06-22 ETURE.COM Co. Ltd. Système et procédé pour blocage PIN d'un terminal pour services bancaires mobiles
WO2005096650A1 (fr) * 2004-03-30 2005-10-13 Nokia Corporation Formatage et verrouillage a distance d'un terminal intelligent
US7184750B2 (en) 2004-03-30 2007-02-27 Nokia Corporation Smart terminal remote lock and format
WO2007027791A3 (fr) * 2005-08-31 2007-12-06 Metavante Corp Systeme et procede permettant de desactiver ou de reactiver une carte de compte financier
US7383988B2 (en) 2005-08-31 2008-06-10 Metavante Corporation System and method for locking and unlocking a financial account card
US8116737B2 (en) 2006-10-13 2012-02-14 Huawei Technologies Co., Ltd. Method, system and apparatus for locking information
JP2010506518A (ja) * 2006-10-13 2010-02-25 華為技術有限公司 情報をロックする方法、システムおよび装置
US8301118B2 (en) 2006-10-13 2012-10-30 Huawei Technologies Co., Ltd. Method, system and apparatus for locking information
US7835723B2 (en) 2007-02-04 2010-11-16 Bank Of America Corporation Mobile banking
US8036638B2 (en) 2007-02-04 2011-10-11 Bank Of America Corporation Mobile banking
US8811971B2 (en) 2007-08-01 2014-08-19 Nxp B.V. Mobile communication device and method for disabling applications
EP2094036A3 (fr) * 2008-02-21 2010-06-02 NTT DoCoMo, Inc. Système de stockage de terminal mobile et procédé de contrôle d'accès
WO2010147559A1 (fr) 2009-06-16 2010-12-23 Smartconnect Holdings Pte. Ltd. Système et procédé de transaction
CN102439640A (zh) * 2009-06-16 2012-05-02 Sc控股私人有限公司 交易系统与方法
EP2454724A4 (fr) * 2009-06-16 2014-04-30 Smart Hub Pte Ltd Système et procédé de transaction
CN102439640B (zh) * 2009-06-16 2016-10-12 电子创新控股私人有限公司 交易系统与方法
US8718602B2 (en) 2009-08-28 2014-05-06 Zte Corporation Method and system for remote control of smart card
US8744403B2 (en) 2009-08-28 2014-06-03 Zte Corporation Method and system for remote control of a smart card
EP2472927A4 (fr) * 2009-08-28 2014-07-09 Zte Corp Procédé et système de commande à distance d une carte à puce
EP2472923A4 (fr) * 2009-08-28 2014-05-07 Zte Corp Procédé et système de commande à distance de carte à puce
US8718603B2 (en) 2009-08-28 2014-05-06 Zte Corporation Method and system for remote control of a smart card
EP2472787A4 (fr) * 2009-08-28 2016-10-19 Zte Corp Procédé et système de commande à distance de carte à puce
EP2472926A4 (fr) * 2009-08-28 2016-10-26 Zte Corp Procédé et système de commande à distance d une carte à puce

Also Published As

Publication number Publication date
EP1645149A4 (fr) 2009-09-16
CN1810052A (zh) 2006-07-26
KR100423403B1 (ko) 2004-03-18
JP2007521739A (ja) 2007-08-02
EP1645149A1 (fr) 2006-04-12

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