financial transaction system using mobile with banking IC card and method thereof

摘要

The present invention relates to a financial transaction system and method using the mobile banking card Damn, built for the mobile terminal. ; Such as the present invention is a mobile terminal and the first short-range wireless communication unit for performing short-range wireless communication, wherein the first near field communication device is installed the mobile terminal in communication with receiving authorization for financial transactions through the financial common network Cashing in the financial transaction service system including the automated machine for handling financial transactions, the mobile terminal stores the financial information and the chip password associated with the customer's financial account and the first random number generated by the first short-range wireless communication device, comprising: 2 and the second local wireless communication unit a random number, and to the derived keys themselves are stored in the input value of the seed the encryption algorithm to communicate with the IC card chip, the first short-range wireless communication unit for encrypting a password for the financial account to trade finance and offers mobile banking client program for financial transaction processing service, at the request of the banking service process when the encrypted account passwords and user chooses the account number will be the financial transactions that financial services items received from the IC card chip by including in the signal it provides a financial transaction service system characterized in that the output of a first short-range wireless communication device.