Patent Publication Number: US-2005143051-A1

Title: Mobile authentication/financial transaction system using a unique mobile identification code and method thereof

Description:
The present disclosure relates to subject matter contained in priority Korean Application No.10-2003-0099987, filed on 30 Dec. 2003, and Korean Application No. 10-2004-0006684, filed on 2 Feb. 2004, which are herein expressly incorporated by reference in their entireties.  
     BACKGROUND OF THE INVENTION  
      1. Field of the Invention  
      The present invention relates to a mobile authentication/financial transaction system using a unique mobile identification code and method thereof. More particularly, the present invention relates to a mobile authentication/financial transaction system using a unique mobile identification code and method thereof, wherein admission control and/or a variety of financial transactions are performed on the basis of call information transmitted by a mobile communication terminal.  
      2. Background of the Related Art  
      Recently, with communication technologies rapidly advanced, a mobile phone or a PDA (Personal Digital Assistant) (hereinafter, referred to as a “mobile communication terminal”) having a mobile communication function becomes one of indispensable personal belongings. Such a mobile communication mode can be classified mainly into a CDMA mode that has been widely used in Korea, etc. and a GSM mode that has been widely used in Europe or the US. Meanwhile, as the mobile communication terminal becomes one of indispensable personal belongings, a variety of authentication/convenience systems using the mobile communication terminal have been actively proposed.  
       FIG. 1  shows a network configuration of a mobile financial transaction system through a mobile communication terminal in the related art. As shown in  FIG. 1 , the mobile financial transaction system using the conventional mobile communication terminal may include a mobile communication terminal  2  having built a dedicated IC chip in on which credit card information is recorded, a member store  4  where a settlement processing terminal for processing credit information recorded on the IC chip is installed, a credit card company  8  for storing a customer&#39;s credit information therein and being responsible for settlement approval, and a VAN system  6  for relaying a credit settlement process between the credit card company  8  and the member store  4 .  
      In the above construction, if a user inputs settlement information such as a settlement password and a settlement amount in a state where a settlement program is executed in the user&#39;s mobile communication terminal  2  for credit settlement after purchasing a predetermined goods at the member store  4 , the user&#39;s credit information and settlement information recorded on the IC chip are sent to the settlement processing terminal of the member store  4 , for example, by means of a wireless mode such as Bluetooth, IrDA or IrFM, or a near access mode such as a RF coil mode (S 101 ). The settlement processing terminal of the member store  4  then transmits the credit information and settlement information received from the user&#39;s mobile communication terminal  2  to the VAN system  6  connected wireless thereto (S 102 ). The VAN system  6  transfers them to the credit card company  8  to request authentication and settlement approval (S 103 ).  
      Next, the credit card company  8  checks the user&#39;s credit information and settlement information received in step S 103  by referring to its database and then determines whether to authenticate the user and approve the settlement. The credit card company returns the results to the VAN system  6  (S 104 ). The VAN system  6  sends the results to the member store  4  (S 105 ). Finally, after the settlement is approved, the member store  4  outputs a receipt (S 106 ) and then sends it to the user. Thereby, the credit settlement process is completed. Meanwhile, the aforementioned authentication system is also actively used in a variety of admission control systems.  
      However, according to the mobile authentication/financial transaction system through the conventional mobile communication terminal described above, an IC chip, or wireless communication or near access related hardware on which credit information is recorded must be built in the mobile communication terminal as prerequisite conditions. Most of the mobile communication terminals commercialized in the past do not have such IC chip or hardware. Therefore, there is a problem that an authentication and/or credit transaction system is not activated.  
     SUMMARY OF THE INVENTION  
      Accordingly, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a mobile authentication/financial transaction system using a unique mobile identification code and method thereof, wherein mobile authentication and/or financial transaction are carried out without replacing a mobile communication terminal in such a way that various authentication and/or financial transaction are performed based on the unique mobile identification code received from a mobile communication terminal according to a standardized mobile communication protocol.  
      To achieve the above objects, according to an aspect of the present invention, there is provided a call information identification apparatus including: a RF processing part for receiving a radio wave emitted from a mobile communication terminal to extract a unique mobile identification code loaded on the radio wave; a financial processing part for receiving the unique mobile identification code from the RF processing part to store the received unique mobile identification code and a variety of financial transaction information necessary for authentication therein; and a communication processing part for receiving the unique mobile identification code or financial transaction information from the financial processing part to transmit the received unique mobile identification code or financial transaction information to an external system, and receiving information necessary for financial transaction from the external system.  
      According to another aspect of the present invention, there is also provided a user authentication system using a unique mobile identification code including: a mobile communication terminal for emitting a radio wave having a unique mobile identification code loaded thereon according to a predetermined condition; an authentication processing terminal having an identification code verification apparatus for receiving the radio wave emitted from the mobile communication terminal, and extracting and identifying the unique mobile identification code loaded on the radio wave; and a FEM system for storing a variety of authentication-related information containing a user&#39;s unique mobile identification code therein, comparing the unique mobile identification code received from the authentication processing terminal with the authentication-related information stored therein, and performing user authentication according to the comparison result.  
      According to still another aspect of the present invention, there is provided a user authentication system using a unique mobile identification code, including: a mobile communication terminal for emitting a radio wave having TMSI loaded thereon according to a predetermined condition; an authentication processing terminal having an identification code verification apparatus for receiving the radio wave emitted from the mobile communication terminal, and extracting and identifying the TMSI loaded on the radio wave; a mobile communication company system for storing the TMSI of the mobile communication terminal and IMSI information corresponding to the TMSI therein; and a FEM system for storing a variety of authentication-related information containing the IMSI of the mobile communication terminal therein, receiving the TMSI from the authentication processing terminal, comparing the TMSI and IMSI received from the mobile communication company system, and performing user authentication according to the comparison result.  
      According to still another aspect of the present invention, there is provided a mobile credit settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA POS terminal to extract a unique mobile identification code from a radio frequency signal emitted from a user&#39;s mobile communication terminal and to receive an authentication password from the user; (a2) allowing the PMICA POS terminal to transmit the unique mobile identification code, the authentication password and a settlement amount to a FEM system, thus requesting credit settlement; (a3) allowing the FEM system to perform the user authentication based on the unique mobile identification code and the authentication password and if the authentication is approved, to provide user identification information and the settlement amount to a banking system, thus requesting the credit settlement; (a4) allowing the banking system to determine whether to approve the credit settlement based on the user identification information and to transmit the approval result to the FEM system; and (a5) allowing the FEM system to notify the PMICA POS terminal of the approval result.  
      According to still another aspect of the present invention, there is further provided a mobile credit settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA POS terminal to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal and to receive an authentication password from the user; (a2) allowing the PMICA POS terminal to transmit the TMSI, the authentication password and a settlement amount to a FEM system, thus requesting credit settlement; (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, confirm IMSI corresponding to the TMSI, and transfer the IMSI to the FEM system together with the TMSI; (a4) allowing the FEM system to determine whether there exists the TMSI received in step (a3), perform user authentication based on the authentication password and the IMSI, and if the authentication is approved, provide user identification information and the settlement amount to a banking system, thus requesting credit settlement; (a5) allowing the banking system to determine whether to approve the credit settlement based on the user identification information and to transmit the approval result to the FEM system; and (a6) allowing the FEM system to notify the PMICA POS terminal of the approval result.  
      According to still another aspect of the present invention, there is provided a mobile credit settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA CD/ATM to extract a unique mobile identification code from a radio frequency signal emitted from a user&#39;s mobile communication terminal and to receive an authentication password from the user; (a2) allowing the PMICA CD/ATM to transmit the unique mobile identification code and the authentication password to a FEM system, thus requesting user authentication; (a3) allowing the FEM system to perform the user authentication based on the unique mobile identification code and the authentication password and if the authentication is approved, to transmit a settlement account no. to the PMICA CD/ATM; (a4) allowing the PMICA CD/ATM to transfer financial transaction contents requested by the user in a banking system to the banking system; (a5) allowing the banking system to determine whether to approve the financial transaction contents and notify the PMICA CD/ATM of the approval result; and (a6) allowing the PMICA CD/ATM to permit or reject the financial transaction contents according to the approval result.  
      According to still another aspect of the present invention, there is provided a mobile credit settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA CD/ATM to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal and to receive an authentication password from the user; (a2) allowing the PMICA CD/ATM to transmit the TMSI and the authentication password to a FEM system, thus requesting user authentication; (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, confirm IMSI corresponding to the TMSI, and transfer the IMSI to the FEM system together with the TMSI; (a4) allowing the FEM system to confirm whether there exists the TMSI received in step (a3), perform the user authentication based on the authentication password and the IMSI, and if the authentication is approved, transmit bank account information to the PMICA CD/ATM; (a5) allowing the PMICA CD/ATM to transfer financial transaction contents requested by the user in a banking system to the banking system; (a6) allowing the banking system to determine whether to approve the financial transaction contents and notify the PMICA CD/ATM of the approval result; and (a7) allowing the PMICA CD/ATM to permit or reject the financial transaction contents according to the approval result.  
      According to still another aspect of the present invention, there is provided a mobile electronic cash settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA POS terminal to extract a unique mobile identification code from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA POS terminal to transmit the unique mobile identification code and a settlement amount to a FEM system, thus requesting electronic cash settlement; and (a3) allowing the FEM system to perform the user authentication based on the unique mobile identification code, if the authentication is approved, compare remaining electronic cash of the user with the settlement amount, determine whether to approve the settlement according to the comparison result, and transmit the approval result to the PMICA POS terminal.  
      According to still another aspect of the present invention, there is provided a mobile electronic cash settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA POS terminal to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA POS terminal to transmit the TMSI and a settlement amount to a FEM system, thus requesting electronic cash settlement; and (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, confirm IMSI corresponding to the TMSI, and transfer the IMSI to a FEM system together with the TMSI; (a4) allowing the FEM system to perform the user authentication after confirming whether there exists the TMSI received in step (a3), compare remaining electronic cash of the user with the settlement amount if the authentication is approved, determine whether to approve the settlement according to the comparison result, and transmit the approval result to the PMICA POS terminal.  
      According to still another aspect of the present invention, there is provided a mobile traffic fare settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA bus terminal to extract a unique mobile identification code from a radio frequency signal emitted from a user&#39;s mobile communication terminal, and store the unique mobile identification code in its memory together with a traffic fare; (a2) allowing a bus system to provide the unique mobile identification code and the traffic fare information, which are received from the memory of the PMICA bus terminal, to a FEM system, thus requesting settlement in a predetermined period unit; (a3) allowing the FEM system to confirm bank account information of the user being a member based on the unique mobile identification code, and provide the bank account information and the traffic fare to a banking system, thus requesting settlement; (a4) allowing the banking system to perform the settlement and provide the settlement result to the FEM system; and (a5) allowing the FEM system to transfer the settlement result to the bus system.  
      According to still another aspect of the present invention, there is provided a mobile traffic fare settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA bus terminal to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal and store the TMSI in its memory together with a traffic fare; (a2) allowing a bus system to provide the TMSI and the traffic fare information received from the memory of the PMICA bus terminal to a FEM system, thus requesting settlement in a predetermined period unit; (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, confirm IMSI corresponding to the TMSI, and transfer the IMSI to the FEM system together with the TMSI; (a4) allowing the FEM system to confirm whether there exists the TMSI received in step (a3), perform the user authentication based on the IMSI, confirm the user&#39;s bank account information if the authentication is approved, and provide the bank account information and the traffic fare to a banking system, thus requesting an accurate calculation; (a5) allowing the banking system to perform the accurate calculation and provide the accurate calculation result to the FEM system; and (a6) allowing the FEM system to transfer the accurate calculation result to the bus system.  
      According to still another aspect of the present invention, there is provided a mobile traffic fare settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA traffic terminal to extract a unique mobile identification code from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA traffic terminal to transmit the unique mobile identification code and a settlement amount to a FEM system, thus requesting a traffic fare settlement; (a3) allowing the FEM system to perform the user authentication based on the unique mobile identification code, and if the authentication is approved, provide the user identification information and the settlement amount to a banking system, thus requesting the traffic fare settlement; (a4) allowing the banking system to determine whether to approve the traffic fare settlement based on the user identification information and transfer the approval result to a FEM system; and (a5) allowing the FEM system to notify the PMICA traffic terminal of the approval result.  
      According to still another aspect of the present invention, there is provided a mobile traffic fare settlement method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA traffic terminal to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA traffic terminal to transmit the TMSI and a settlement amount to a FEM system, thus requesting a traffic fare settlement; (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, extract IMSI corresponding to the TMSI, and transfer the IMSI to the FEM system together with the TMSI; (a4) allowing the FEM system to perform the user authentication based on the IMSI after confirming whether there exists the TMSI received in step (a3), and if authentication is approved, provide user identification information and the settlement amount to a banking system; (a5) allowing the banking system to determine whether to approve the traffic fare settlement based on the user identification information, and transfer the approval result to the FEM system; and (a6) allowing the FEM system to notify the PMICA traffic terminal of the approval result.  
      According to still another aspect of the present invention, there is provided a mobile admission control method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA door lock to extract a unique mobile identification code from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA door lock to transmit the unique mobile identification code to a FEM system, thus requesting authentication; (a3) allowing the FEM system to perform the user authentication based on the unique mobile identification code and then transfer user identification information corresponding to the unique mobile identification code to the PMICA door lock; and (a4) allowing the PMICA door lock to check the user identification information received in step (a3), thus determining whether to release the locking of the door.  
      According to still another aspect of the present invention, there is provided a mobile admission control method using a unique mobile identification code, including the steps&#39; of: (a1) allowing a PMICA door lock to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA door lock to transmit the TMSI to a FEM system, thus requesting authentication; (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, extract IMSI corresponding to the TMSI, and transfer the IMSI to a FEM system together with the TMSI; (a4) allowing the FEM system to perform the user authentication based on the IMSI after confirming whether there exists the TMSI received in step (a3), and transfer user identification information corresponding to the TMSI to the PMICA door lock; and (a5) allowing the PMICA door lock to check the user identification information received in step (a4), thus determining whether to release the locking of the door.  
      According to still another aspect of the present invention, there is provided a mobile check-up method using a unique mobile identification code, including the steps of: (a1) allowing a PMICA police terminal to extract TMSI from a radio frequency signal emitted from a user&#39;s mobile communication terminal; (a2) allowing the PMICA police terminal to transmit the TMSI to a FEM system, thus requesting authentication; (a3) allowing a mobile communication company system to extract TMSI from the radio frequency signal emitted from the user&#39;s mobile communication terminal, extract IMSI corresponding to the TMSI, and transfer the IMSI to the FEM system together with the TMSI; (a4) allowing the FEM system to perform the user authentication based on the IMSI after confirming whether there exists the TMSI received in step (a3), and if the authentication is approved, transfer corresponding user identification information to a police agency system; and (a5) allowing the police agency system to confirm the identity of the user based on the user identification information and then transfer a corresponding identity confirmation data to the PMICA police terminal. 
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
      Further objects and advantages of the invention can be more fully understood from the following detailed description taken in conjunction with the accompanying drawings in which:  
       FIG. 1  shows a network configuration of a mobile financial transaction system through a mobile communication terminal in the related art;  
       FIG. 2  is an internal block diagram of a call information identification apparatus of a mobile communication terminal in a mobile financial transaction system according to the present invention;  
       FIG. 3  is an internal block diagram of a call information identification apparatus of a mobile communication terminal in a mobile financial transaction system according to the present invention;  
       FIG. 4  is a network-based flowchart for describing a mobile credit settlement method for a member store subject using a unique mobile identification code according to a CDMA mode according to the present invention;  
       FIG. 5  is an exemplary screen showing an analysis result of call information that is generated a given mobile communication terminal through a PMICA according to the present invention;  
       FIG. 6  is a network-based flowchart for describing a mobile financial transaction method for a CD/ATM subject using a unique mobile identification code according to a CDMA mode according to the present invention;  
       FIG. 7  is a network-based flowchart for describing a method for purchasing and paying mobile electronic cash using a unique mobile identification code according to a CDMA mode according to the present invention;  
       FIG. 8  is a network-based flowchart for describing a traffic fare settlement method of an off-line mode using a unique mobile identification code on the basis of a CDMA mode according to the present invention;  
       FIG. 9  is a network-based flowchart for describing a membership subscription method through direct visit in a mobile financial transaction system using a unique mobile identification code according to a CDMA mode according to the present invention;  
       FIG. 10  is a network-based flowchart for describing a membership subscription method through a wired/wireless Internet in a mobile financial transaction system using a unique mobile identification code according to a CDMA mode according to the present invention;  
       FIG. 11  is a network-based flowchart for describing a mobile credit settlement method for a member store subject using a unique mobile identification code according to a GSM mode according to the present invention;  
       FIG. 12  is a network-based flowchart for describing a mobile financial transaction method for a CD/ATM using a unique mobile identification code according to a GSM mode according to the present invention;  
       FIG. 13  is a network-based flowchart for describing a method for purchasing and paying mobile electronic cash using a unique mobile identification code according to a GSM mode according to the present invention;  
       FIG. 14  is a network-based flowchart for describing a traffic fare settlement method using a unique mobile identification code according to a GSM mode according to the present invention;  
       FIG. 15  is a network-based flowchart for describing a membership subscription method through a direct visit in a mobile financial transaction system using a unique mobile identification code according to a GSM mode according to the present invention;  
       FIG. 16  is a network-based flowchart for describing a membership subscription method through a wired/wireless Internet in a mobile financial transaction system using a unique mobile identification code according to a GSM mode according to the present invention;  
       FIG. 17  is a network-based flowchart for describing a mobile admission control method using a unique mobile identification code according to the present invention;  
       FIG. 18  is a network-based flowchart for describing a mobile search method using a unique mobile identification code according to the present invention; and  
       FIG. 19  is a network-based flowchart for describing a traffic fare settlement method of an on-line mode using a unique mobile identification code according to the present invention.  
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT  
      A mobile authentication/financial transaction system using a unique mobile identification code and method thereof according to the present invention will now be described in detail by way of preferred embodiments with reference to the accompanying drawings. Technology related to the present invention in a mobile communication technology field will be first described in short.  
      As well known in the art, a mobile communication system of a CDMA mode that has been widely used in Korea, is mainly classified into an existing cellular phone system and a PCS (Personal Communication Service) system. The cellular phone system and the PCS system have the similar configuration except that the cellular phone system employs a radio frequency band of 800 MHz, whereas the PCS system employs a radio frequency band of 1.7 GHz-2.0 GHz, which is two or more times higher than that of the cellular phone system. Moreover, a variety of information necessary for a base station to call a mobile communication terminal, i.e., call information such as a mobile identification number (hereinafter, referred to as “MIN”) being a registered telephone number of a mobile communication terminal and an electronic serial number (hereinafter, referred to as “ESN”) being a unique manufacture number of a mobile communication terminal, is stored in the mobile communication terminal.  
      Meanwhile, in a situation where a user does not use the mobile communication terminal, i.e., in a standby state, the mobile communication terminal transmits a radio wave to the base station through an access channel for a short time in synchronism with a predetermined period. Such a period is called a slot cycle. In case of a mobile communication terminal used in Korea, the slot cycle is set to “slot 2” (5.12 seconds). Furthermore, the transmitted radio wave has the call information loaded thereon. The base station that received the radio wave restores the call information and sends it to a switching system, so that it can know the position of each mobile communication terminal. In addition, the radio wave on which the call information is loaded is generated even when the user manually depresses a predetermined button of the mobile communication terminal, for example, a “communication” (SEND) button.  
      Meanwhile, the base station in the mobile communication system of the CDMA mode can transfer an overhead message to all mobile communication terminals within the service region through the paging channel. Such overhead message contains system parameters, information about an access to a mobile communication terminal, frequency information of a base station, etc. The base station has to send the information once at least 1.28 second. The mobile communication terminal transmits its call information to the base station in response to the overhead message from the base station. In the present invention, the call information of the mobile communication terminal can be instantly acquired by a call through the paging channel.  
      Meanwhile, unlike the ESN and MIN of the mobile communication system of the CDMA mode, terms IMEI (International Mobile Equipment Identity) and IMSI (International Mobile Station Identity) are used in a mobile communication system of a GSM mode. Further, in the mobile communication system of the CDMA mode, the mobile communication terminal is identified using the ESN and MIN. On the contrary, in the mobile communication system of the GSM mode, the mobile communication terminal is identified using TMSI (Temporary Mobile Station Identity) temporarily generated based on the IMEI and IMSI as parameters when the mobile communication terminal is turned off or handed off. In the present invention, the ESN, MIN and TMSI are collectively called a “peculiar mobile identity code (PMIC)”.  
       FIG. 2  is an internal block diagram of an apparatus for identifying a unique mobile identification code of a mobile communication terminal in a mobile financial transaction system according to the present invention. This drawing shows an apparatus having only a function of receiving a unique mobile identification code from a mobile communication terminal.  
      As shown in  FIG. 2 , the apparatus for identifying the unique mobile identification code (hereinafter, referred to as simply a “PMICA” (Peculiar Mobile Identity Code Analyzer)  100  according to the present invention is mainly composed of three parts; a RF processing part  110 , an authentication processing part  120  and a communication processing part  130 . The RF processing part  110  includes an antenna  111  for capturing a radio signal of a mobile communication frequency band, a RF receiver  112  for dividing the radio signal received from the antenna  111  into a frequency band signal of a second-generation (G) mobile communication terminal (cellular, PCS and GSM terminal), a frequency band signal of a third-generation mobile communication terminal (UMTS and CDMA2000 terminals) and a frequency band signal of a next-generation mobile communication terminal, a second-generation demodulator  113  for demodulating a baseband signal from the frequency band signals of the second-generation, third-generation and next-generation mobile communication terminals that are divided in the RF receiver  112 , a third-generation demodulator  114 , a next-generation decoding unit  115 , an ADC (analog to Digital Converter)  116  for converting the baseband signals of an analog form demodulated in the respective demodulators  113 ,  114  and  115  into corresponding digital signals, and a parser  17  for parsing the digital signals outputted from the ADC  116  to identify a unique mobile identification code. In the present invention, as all the frequency band signals of mobile communication terminals of all generations can be processed, a user can perform authentication or financial transaction by use of his or her mobile communication terminal that is currently being used in his or her country. It is also possible to selectively adopt only a mobile communication system of a mode that is currently being used in each country.  
      The authentication processing part  120  includes a call information receiving unit  121  for receiving call information from the parser  117  of the RF processing part  110 , i.e., PMIC, a key input unit  122  for receiving a password, an start-up command, etc., which are necessary for authentication from a user or an administrator, a security module  123  for encrypting authentication-related information or financial transaction information such as a unique mobile identification code and member store identification information, a display module  125  for displaying a variety of information generated in an authentication or financial transaction processing procedure, and a data processing unit  124  for controlling the entire operation of the authentication processing part  120 .  
      In the above construction, the key input unit  122  may usually include numerical key buttons. The display module  125  can be implemented using a diode matrix panel, a LCD panel or the like. The data control unit  124  can be implemented using a microcomputer. At this time, the data control unit  124  may include a data memory for storing various financial transaction information such as member store information, authentication-related information and a unique mobile identification code, and a program memory in which a program for controlling the entire operation of the authentication processing part  120  is stored. Further, the key input unit  122  and the display module  125  may be disposed toward a user so that the user can directly manipulate and confirm them.  
      The communication processing part  130  includes a modem module  131  for exchanging information included in authentication or financial transaction with an external entity through a public telephone network, an Ethernet module  132  for exchanging selling data with a central administration center in a large-scale member store, and a serial communication module  133  for exchanging information included in financial transaction with a POS installed at a member store, a CD/ATM installed at a bank, a traffic card recognition terminal and the like.  
       FIG. 3  is an internal block diagram of an apparatus for identifying a unique mobile identification code of a mobile communication terminal in a mobile financial transaction system according to the present invention. This drawing shows an apparatus that further includes a function of requesting a mobile communication terminal to send a unique mobile identification code.  
      As shown in  FIG. 3 , the apparatus for identifying the unique mobile identification code according to this embodiment is mainly composed of three parts; a RF processing part  140 , an authentication processing part  150  and a communication processing part  160 . The RF processing part  140  may include an antenna  141  for capturing a radio signal of a mobile communication frequency band and emitting a radio frequency signal (hereinafter, referred to as “calling signal”) containing an overhead message, etc., a RF duplexer  142  for dividing the radio signal received from the antenna  141  into frequency bands of respective generations, and dividing calling signals for respective generations and then transferring them to the antenna  141 , a demodulator  143  (having a second-generation demodulator  143   a , a third-generation demodulator  143   b  and a next-generation decoding unit  143   c ) for demodulating baseband signals from the frequency band signal of the second-generation (G) mobile communication terminal (cellular, PCS and GSM terminal), the frequency band signal of a third-generation mobile communication terminal (UMTS and CDMA2000 terminal) and the frequency band signal of a next-generation mobile communication terminal, which are divided by the RF duplexer  142 , an ADC  144  for converting the baseband signals of an analog form demodulated in the demodulator  143  into digital signals, a BSC (Base Station Controller)  147  for controlling the entire operation of the RF processing part  140 , a DAC  146  for converting the baseband calling signal of the analog form received from the BSC  147  into a baseband calling signal of a digital form, a modulator  145  (consisting of a second-generation modulator  145   a , a third-generation modulator  145   b  and a fourth-generation modulator  145   c ) for modulating the baseband calling signal received from the DAC  146 , and a parser  148  for parsing the digital signal received from the ADC  144  through the BSC  147  to identify a unique mobile identification code. In the present invention, as all the frequency band signals of mobile communication terminals of all generations can be processed, a user can perform authentication or financial transaction by use of a mobile communication terminal that is currently being used in his or her country. It is also possible to selectively adopt only a mobile communication company system of a mode that is being used in each country.  
      An authentication processing part  150  includes a call information receiving unit  151  for receiving call information from the parser  148  of the RF processing part  140 , i.e., PMIC, a key input unit  152  for receiving a password, an start-up command, etc. which are necessary for authentication from a user or an administrator, a security module  153  for encrypting authentication-related information or financial transaction information such as a unique mobile identification code and member store identification information, a display module  155  for displaying various information generated in an authentication or financial transaction processing procedure, and a data processing unit  154  for controlling the entire operation of the authentication processing part  150 .  
      In the above construction, the key input unit  152  may usually include numerical key buttons. The display module  155  can be implemented using a diode matrix panel, a LCD panel or the like. The data control unit  154  can be implemented using a microcomputer. At this time, the data control unit  124  may include a data memory for storing various financial transaction information such as member store information or authentication-related information and a unique mobile identification code, and a program memory in which a program for controlling the entire operation of the authentication processing part  150  is stored. Further, the key input unit  152  and the display module  155  may be disposed toward a user so that the user can directly manipulate and confirm them.  
      The communication processing part  160  includes a modem module  161  for exchanging information included in authentication or financial transaction with an external entity through a public telephone network, an Ethernet module  162  for exchanging selling data with a central administration center in a large-scale member store, a wireless LAN module  164 , and a serial communication module  163  for exchanging information included in financial transaction with a POS installed at a member store, a CD/ATM installed at a bank, a traffic card recognition terminal or the like.  
      As such, the PMICA  100  and  100 ′ of the present invention can function independently and can be also additionally installed in a POS, a CD/ATM, a traffic card recognition terminal, which have been widely used through a simple work without modifying hardware.  
       FIG. 4  is a network-based flowchart for describing a mobile credit settlement method for a member store subject using a unique mobile identification code according to a CDMA mode according to the present invention. In  FIG. 4 , a dotted line indicates a wireless process flow and a solid line designates a wired process flow. In  FIG. 4 , reference numeral  100 - 1  may be a POS terminal (hereinafter, referred to as a “PMICA POS terminal” in the following description to be made with reference to  FIG. 4 ) having the PMICA function shown in  FIG. 2  or  FIG. 3, 200  indicates a mobile communication terminal,  400  designates a banking system (a bank or a credit card company), and  300  indicates an authentication/relay entity (hereinafter, referred to as a “FEM system” (Frequency Electronic Mobile system)) disposed between the PMICA POS terminal  100 - 1  and the banking system  400 , for performing user authentication or relay of transaction information. It is to be understood that the FEM system  300  of the present invention can be integrally operated by a mobile communication company system (not shown) or the banking system  400 .  
      Meanwhile, the FEM system  300  has a database in which a variety of user information necessary for user authentication, i.e., a unique mobile identification code, an authentication password, member store identification information and the like of the user mobile communication terminal  200  being a member are stored. Accordingly, in order for a user or a member store to use the mobile credit settlement method of the present invention, it is required that the user or the member store become a member to the FEM system  300  in advance. This will be described in detail later on.  
      As shown in  FIG. 4 , the user&#39;s mobile communication terminal  200  emits a frequency signal on which a unique mobile identification code is loaded (S 1 - 2 ). If the user being a member has his or her mobile communication terminal  200  approach to the PMICA POS terminal  100 - 1  for the purpose of credit settlement after selecting goods/services in a member store being a member, the PMICA POS terminal  100 - 1  analyzes the received frequency signal to extract a unique mobile identification code (S 2 ). In this process, the PMICA POS terminal  100 - 1  may be kept in a standby state where the terminal  100 - 1  is always ready to receive a frequency signal, or in a standby state where the terminal  100 - 1  is always ready to receive the frequency signal only when a predetermined key button is depressed.  
      Next, the user confirms a settlement amount displayed on the display module  125  and then manipulates the key input unit  122  to input an authentication password (S 2 ). The PMICA POS terminal  100 - 1  transmits the call information extracted in step (S 2 ) and the received authentication password and settlement amount to the FEM system  300 , thus requesting credit settlement (S 3 ). The FEM system  300  that received the request performs the user authentication based on the information obtained in step S 3 . If the authentication is approved, the FEM system  300  sends predetermined settlement information (a unique mobile identification code, a settlement password, bank account information or other information) and the settlement amount to the banking system  400  to request credit settlement (S 4 ).  
      Thereafter, the banking system  400  that received the request determines whether to approve the credit settlement according to its financial business and then transfers the result to the FEM system  300  (S 5 ). Next, the FEM system  300  sends the settlement result received from the banking system  400  to the PMICA POS terminal  100 - 1 . The PMICA POS terminal  100 - 1  outputs a receipt accordingly, thus completing the credit settlement process. Furthermore, the banking system  400  sends the approval result for the credit settlement to the user&#39;s mobile communication terminal  200  via SMS in wireless. It is thus further increase reliability of the settlement process. Although the credit settlement has been described so far, it is, however, to be noted that debit settlement (corresponding to settlement by a conventional debit card) can be performed according to the same process flow. Of course, in case of a PMICA POS terminal  100 - 1  adopting the apparatus of  FIG. 3 , step (S 1 - 1 ) in which the calling signal is emitted in a predetermined period, for example, 1.28 seconds may be further included before step (S 1 - 2 ), as indicated by a chain double-dashed line. It is thus possible to shorten a time taken in transaction.  
      Meanwhile, the radio frequency signal emitted from the mobile communication terminal has a property that it spreads into a wide space. A method for exactly recognizing a mobile communication terminal being a transaction subject from other terminals may surface as an important issue. First, frequency signals from all mobile communication terminals around the PMICA  100  and  100 ′ are received by increasing the receiving sensitivity of the PMICA  100  and  100 ′. At this time, in order to confirm a user&#39;s mobile communication terminal being a transaction subject, a method for receiving predetermined information from the user, for example, latter four digits of MIN information (the greater the number of digits, the higher the degree of exactness in confirmation) may be used. In this case, if the latter four digits of the MIN information and an authentication password are continuously received, inconvenience given to the user can be reduced.  
      Secondly, a method in which only frequency signals of mobile communication terminals that approach within a predetermined distance from the PMICA  100  and  100 ′, for example, within 30 cm, preferably to that extent that the terminals almost contact the PMICA by lowering the receiving sensitivity of the PMICA  100  and  100 ′, may be used. In order to further improve the exactness of confirmation, a method in which a mobile communication terminal is inserted into an electronic wave shielding space and a method in which only an antenna of a mobile communication terminal from which a frequency signal is emitted is inserted, may be used.  
       FIG. 5  is an exemplary screen showing an analysis result of call information that is generated in a given mobile communication terminal through PMICA having the method of inserting the antennal portion according to the present invention. There is shown that various useful information containing ESN and MIN are extracted through the PMICA  100  and  100 ′ of the present invention.  
       FIG. 6  is a network-based flowchart for describing a mobile financial transaction method for a CD/ATM subject using a unique mobile identification code according to a CDMA mode according to the present invention. A dotted line indicates a wireless process flow and a solid line designates a wired process flow. In  FIG. 6 , reference numeral  100 - 2  indicates a CD/ATM (hereinafter, referred to as a “PMICA CD/ATM terminal” in the following description to be made with reference to  FIG. 6 ) having the PMICA function shown in  FIG. 2  or  FIG. 3, 200  indicates a mobile communication terminal,  400  designates a banking system (a bank or a credit card company), and numeral  300  indicates a FEM system disposed between the PMICA CD/ATM terminal  100 - 2  and the banking system  400 , for performing user authentication or relay of transaction information. It is to be understood that the FEM system  300  can be integrally operated by a mobile communication company system (not shown) or the banking system  400 .  
      Meanwhile, the FEM system  300  has a database in which a variety of user information needed for user authentication, i.e., call information, an authentication password, bank account information, etc. of the user mobile communication terminal  200  being a member are stored. Accordingly, in order to use the mobile financial transaction method of the present invention, it is required that a user become a member to the FEM system  300  in advance. This will be described in detail later on.  
      As shown in  FIG. 6 , the user&#39;s mobile communication terminal  200  emits a frequency signal with a unique mobile identification code loaded thereon (S 11 - 2 ). If a user being a member makes his or her mobile communication terminal  200  approach to a PMICA POS terminal  100 - 2  in order to receive financial transaction services such as cash withdrawal/deposit, an account transfer or an inquiry of transaction history, the PMICA POS terminal  100 - 2  analyzes the received frequency signal to extract a unique mobile identification code (S 12 ). In this process, the PMICA POS terminal  100 - 2  may be in a standby state where the terminal  100 - 1  is always ready to receive the frequency signal, or in a standby state where the terminal  100 - 1  is always ready to receive the frequency signal only when a predetermined key button is depressed. Next, the user inputs an authentication password (S 12 ) by manipulating the key input unit  122  of the PMICA CD/ATM terminal  100 - 2 .  
      Thereafter, the PMICA CD/ATM terminal  100 - 2  transfers the unique mobile identification code extracted in step S 12  and the received authentication password to the FEM system  300  to request user authentication according to the financial transaction (S 13 ). The FEM system  300  extracts user authentication and bank account information by referring to its database based on the information provided in step (S 13 ). If authentication is approved, the FEM system  300  notifies the PMICA CD/ATM terminal  100 - 2  of the bank account information of the user (S 14 ).  
      The above process corresponds to a process in which a CD/ATM reads a user&#39;s credit card to extract bank account information and receives a password from a user to perform the user authentication in a conventional financial transaction method by a credit card. Thereafter, the user can receive financial transaction services provided by the conventional CD/ATM. For example, in case where a cash advance service function is selected, the PMICA CD/ATM terminal  100 - 2  transmits account transaction information, for example, information on a unique mobile identification code, a service number, a settlement account number, an account password number, a withdrawal amount and the like to the banking system  400 . The banking system  400  approves payment to the PMICA CD/ATM terminal  100 - 2  (S 15 ), so that the user can withdraw cash. Meanwhile, in this process, the banking system  400  can transmit the approval result to the user&#39;s mobile communication terminal  200  via SMS (S 16 ) in order to improve the user&#39;s convenience. In case of a PMICA CD/ATM terminal  100 - 2  adopting the apparatus of  FIG. 3 , in order to shorten a time taken in transaction, step (S 11 - 1 ) in which the calling signal is emitted in a predetermined period, for example, 1.28 seconds may be added before step (S 11 - 2 ), as indicated by a chain double-dashed line.  
       FIG. 7  is a network-based flowchart for describing a method for purchasing and paying mobile electronic cash using a unique mobile identification code according to a CDMA mode according to the present invention. In  FIG. 7 , a dotted line indicates a wireless process flow and a solid line designates a wired process flow. Furthermore, reference numeral  100 - 3  indicates a POS terminal (hereinafter, referred to as a “PMICA POS terminal” in the following description to be made with reference to  FIG. 7 ) of a member store capable of using electronic cash, wherein the POS terminal has the PMICA function shown in  FIG. 2  or  FIG. 3, 200  indicates a mobile communication terminal,  400  designates a banking system (a bank or a credit card company),  500  indicates an electronic cash purchase server, and  300  indicates a FEM system disposed between the PMICA POS terminal  100 - 3  and the electronic cash purchase server  500 , for performing user authentication or relay of transaction information. It is to be understood that the FEM system  300  can be integrally operated by a mobile communication company system (not shown) or the banking system  400 .  
      Meanwhile, the FEM system  300  has a database in which a variety of user information necessary for user authentication, i.e., a unique mobile identification code, remaining electronic cash information, identification information of a member store and the like of the user mobile communication terminal  200  being a member are stored. Accordingly, in order to use the mobile electronic cash purchase and payment method of the present invention, it is required that a user become a member to the FEM system  300  in advance. This will be described in detail later on.  
      As shown in  FIG. 7 , in order to purchase electronic cash, the user has to access a website of the electronic cash purchase server  500  through a wireless Internet (S 21 ). The electronic cash purchase server  500  requests confirmation on whether the user is a member, by transmitting a unique mobile identification code of the mobile communication terminal  200  extracted when the terminal  200  is connected to the wireless Internet to the FEM system  300  (S 22 ). Thereafter, the FEM system  300  confirms whether the user is a member by referring to its database and then sends the confirmation result to the electronic cash purchase server  500  (S 23 ). The electronic cash purchase server  500  then requests settlement to a corresponding banking system  400  according to a settlement method inputted in a purchase page when the user requests the purchase, for example, an account transfer or credit settlement (S 24 ). The banking system  400  performs the requested settlement process and notifies the electronic cash purchase server  500  of the results (S 25 ). The electronic cash purchase server  500  has electronic cash purchase information, i.e., amount information stored in the FEM system  300  (S 26 ). Up to this process corresponds to a process of purchasing electronic cash.  
      Meanwhile, the user may access the electronic cash purchase server  500  through a wired Internet by using a client PC (not shown).  
      Thereafter, if the user who purchased the electronic cash has his or her mobile communication terminal  200  approach to the PMICA POS terminal  100 - 3  of a corresponding member store in order to use the electronic cash, the PMICA POS terminal  100 - 3  receives a frequency signal emitted from the mobile communication terminal  200  (S 27 - 2 ) and analyzes the frequency signal to extract a unique mobile identification code (S 28 ). In this process, the PMICA POS terminal  100 - 3  may be maintained in a standby state where the terminal  100 - 3  is always ready to receive a frequency signal, or in a standby state where the terminal  100 - 1  is always ready to receive the frequency signal only when a predetermined key button is depressed.  
      Next, the PMICA POS terminal  100 - 3  transmits the unique mobile identification code extracted in step (S 28 ) and a settlement amount to the FEM system  300 , thus requesting electronic cash settlement (S 29 ). The FEM system  300  that received the request confirms user authentication and the remaining electronic cash of the user by referring to its database based on the received unique mobile identification code. If the authentication is approved and the remainder is sufficient, the FEM system  300  pays electronic cash to the PMICA POS terminal  100 - 3  (S 30 ). In case of a PMICA CD/ATM terminal  100 - 3  adopting the apparatus of  FIG. 3 , in order to shorten a time taken in transaction, step (S 27 - 1 ) in which the calling signal is emitted in a predetermined period, for example, 1.28 seconds may be added before step S 27 - 2 , as indicated by a chain double-dashed line.  
      As described above, the electronic cash purchase and payment method according to the present invention is similar to the conventional debit card settlement method and is used for small-amount settlement. Thus, the authentication procedure is omitted. If a settlement amount is high, however, a user may be requested to input an authentication password in order to further strengthen the security, like the credit settlement method described with reference to  FIG. 4 .  
       FIG. 8  is a network-based flowchart for describing a traffic fare settlement method of an off-line mode using a unique mobile identification code on the basis of a CDMA mode according to the present invention. In  FIG. 8 , a solid line indicates a wired process flow. Reference numeral  100 - 4  indicates a traffic terminal (hereinafter, referred to as a “PMICA traffic terminal” in the following description to be made with reference to  FIG. 8 ) having, for example, the PMICA function shown in  FIG. 2  or  FIG. 3, 200  designates a mobile communication terminal,  400  indicates a banking system (a bank or a credit card company),  600  indicates a bus company system, and  300  designates a FEM system disposed between the banking system  400  and the bus company system  600 , for performing user authentication or relay of transaction information. The FEM system  300  of the present invention can be also integrally operated by a mobile communication company system (not shown), the bus system  600  or the banking system  400 .  
      As shown in  FIG. 8 , the user&#39;s mobile communication terminal  200  emits a frequency signal on which a unique mobile identification code is loaded (S 41 - 2 ). In order to pay a traffic fare, if the user has his or her mobile communication terminal  200  approach to a PMICA traffic terminal  100 - 4 , the PMICA traffic terminal  100 - 4  analyzes the received frequency signal to extract a unique mobile identification code and has the unique mobile identification code buffered in a its memory together with a settlement amount (S 42 ). Subsequent processes are almost the same as those of the conventional card-type traffic fare settlement process. After running a bus, a driver detaches the PMICA traffic terminal  100 - 4  and then connects it to the bus company system  600  so that the unique mobile identification code and the settlement amount stored in the memory are transferred to the database of the bus company system  600  (S 43 ).  
      The bus company system  600  transmits the settlement information that is collected in a predetermined period unit, for example, on a day base, a week base or a monthly base, to the FEM system  300  and then requests settlement (S 44 ). The FEM system  300  that received the request transfers the information to the banking system  400  to request the settlement (S 45 ). The banking system  400  sends the result of an accurate account and a unique mobile identification code of a mobile communication terminal whose loss is reported to the FEM system  300  (S 46 ). The FEM system  300  sends the result of the accurate account and the lost information to a bus company system  600  (S 47 ).  
      Thereafter, the bus company system  600  has the unique mobile identification code of the mobile communication terminal whose loss is reported to the PMICA traffic terminal  100 - 4  stored in the PMICA traffic terminal  100 - 4  (S 48 ), so that fare settlement is not performed for the mobile communication terminal whose loss is reported. Finally, the banking system  600  charges the bus fare to the user of the mobile communication terminal  200  as a post payment (S 49 ). In case of a PMICA traffic terminal  100 - 3  adopting the apparatus of  FIG. 3 , in order to shorten a time taken in transaction, step (S 41 - 1 ) in which the calling signal is emitted in a predetermined period, for example, 1.28 seconds may be added before step S 41 - 2 , as indicated by a chain double-dashed line.  
      As such, according to the traffic fare settlement method of the present invention, as the settlement of a traffic fare being relatively small is processed without an authentication process, a user&#39;s convenience can be improved. Furthermore, such a traffic fare settlement method can be applied to a passage money settlement method in a subway, a railroad and a highway. For example, after the PMICA  100  and  100 ′ is additionally added to an existing traffic terminal installed in an entrance/exit of a subway, a railroad station, etc. or a tollgate of a highway and a bus company system is changed to a subway system or a railroad system or a tollgate system, traffic fare settlement can be performed according to the process flow shown in  FIG. 8 . In this case, as the PMICA traffic terminal is fixedly installed at the entrance/exit of the subway station or the railroad station or the tollgate of the highway, additional memory is not required in the PMICA traffic terminal. The FEM system  300  may serve as a gateway that performs a fare such as authentication services for the PMICA traffic terminal.  
       FIG. 9  is a network-based flowchart for describing a membership subscription method through direct visit in a mobile financial transaction system using a unique mobile identification code according to a CDMA mode according to the present invention. In  FIG. 9 , a dotted line indicates a wireless process flow, a solid line designates a wired process flow and a chain dashed line indicates a manual process flow. Further, reference numeral  100 - 5  indicates a banking terminal (hereinafter, referred to as a “PMICA banking terminal” in the following description to be made with reference to  FIG. 9 ) having the PMICA function shown in  FIG. 2, 200  indicates a mobile communication terminal,  800  indicates an existing banking terminal,  400  indicates a banking system (a bank or a credit card company),  700  indicates a mobile communication company system, and  300  indicates a FEM system connected to the banking system  400 , for performing user authentication or relay of transaction information between the banking system  400  and other financial transaction terminals. The FEM system  300  of the present invention can be integrally operated by the mobile communication company system  700  or the banking system  400 .  
      As shown in  FIG. 9 , in order to become a member of a mobile financial transaction system using a unique mobile identification code according to the present invention, a user must write a membership subscription document in which predetermined subscription information is written, submit the document to a clerk at the window and also have his or her mobile communication terminal  200  approach to the PMICA banking terminal  100 - 5 .  
      However, the user&#39;s mobile communication terminal  200  emits a frequency signal on which a unique mobile identification code is loaded (S 51 - 2 ). The PMICA banking terminal  100 - 5  analyzes the received frequency signal to extract a unique mobile identification code (S 51 ) and then receives the subscription information written in the membership subscription document through the clerk at the window (S 51 ). Meanwhile, if the PMICA banking terminal  100 - 5  is not provided but only an existing banking terminal  800  is provided, the user has to submit a membership subscription document in which subscription information containing MIN is written to the clerk at the window. Such subscription information is inputted by the clerk at the window (S 61 ).  
      Next, the PMICA banking terminal  100 - 5  transmits the subscription information inputted through keys and the extracted unique mobile identification code to the banking system  400 , thus requesting a membership subscription process (S 52 ). In case of the existing banking terminal  800 , the MIN and subscription information inputted through keys are sent to the banking system  400 , thus requesting a membership subscription process (S 62 ). Thereafter, the banking system  400  requests confirmation on whether the subscription is valid, i.e., whether the terminal is a mobile communication terminal whose loss is reported (S 73 ) by transferring the received MIN (and ESN) to the mobile communication company system  700 . The mobile communication company system  700  determines whether the subscription is valid by referring to its database and then returns the result to the banking system  400  (S 74 ). At this time, if MIN information is received from the banking system  400 , that is, if a membership subscription application is made through the existing banking terminal  800 , ESN information is also transferred.  
      Thereafter, the banking system  400  provides the subscription information received in step (S 52  or S 62 ) and the unique mobile identification code received in step (S 74 ) to the FEM system  300  (S 75 ), thus completing the subscription procedure. Of course, in case of a PMICA banking terminal  100 - 5  adopting the apparatus of  FIG. 3 , in order to shorten a time taken in transaction, step (S 51 - 1 ) in which the calling signal is emitted in a predetermined period, for example, 1.28 seconds is further added before step S 51 - 2 , as indicated by a chain double-dashed line.  
       FIG. 10  is a network-based flowchart for describing a membership subscription method through a wired/wireless Internet in a mobile financial transaction system using a unique mobile identification code according to a CDMA mode according to the present invention. In  FIG. 10 , a dotted line indicates a wireless process flow, a solid line indicates a wired process flow and a chained dashed line indicates a subscription process flow through WAP. Further, reference numeral  200  indicates a mobile communication terminal,  400  designates a banking system (it may be a bank or a credit card company),  700  indicates a mobile communication company system, and  300  designates a FEM system connected to the banking system  400 , for performing user authentication or relay of transaction information between the banking system  300  and other financial transaction terminals. Reference numeral  810  indicates a user&#39;s client PC,  850  designates a web server for membership subscription and  900  indicates a WAP server for membership subscription. The FEM system  300  of the present invention may be integrally operated by the mobile communication company system  700  or the banking system  400 .  
      As shown in  FIG. 10 , in order to become a member through the wired Internet, a user must connect the web server  850  for membership subscription using his or her client PC  810  and then input predetermined subscription information to a membership subscription page. At this time, the user has to input MIN (S 81 ). The web server  810  for membership subscription provides the received subscription information (containing MIN) to the banking system  400 , thus requesting membership subscription (S 82 ). The banking system  400  sends a subscriber confirmation number to the mobile communication terminal  200  having MIN information via SMS so that the user can input it (S 83 ).  
      Thereafter, if the user confirms the subscriber confirmation number displayed on his or her mobile communication terminal  200  and then inputs it to a subscription confirmation number page of the web server  850  for membership subscription (S 84 ), the web server  850  for membership subscription returns the subscriber confirmation number to the banking system  400  (S 85 ). The banking system  400  determines whether the subscriber confirmation number is identical to that sent by itself in step (S 83 ), thus confirming whether the membership subscription applicant and the owner of the mobile communication terminal are identical.  
      After such confirmation is completed, the banking system  400  transfers the received MIN to the mobile communication company system  700  in order to request whether the mobile communication terminal is valid, i.e., whether the terminal is a terminal whose loss is reported (S 86 ). The mobile communication company system  700  determines whether the terminal is valid by referring to its database and then sends the result to the banking system  400  along with ESN (S 87 ). The banking system  400  provides the subscription information received in step (S 82 ) and the unique mobile identification code received in step (S 87 ) to the FEM system  300  (S 88 ), thereby completing the subscription procedure.  
      The membership subscription procedure through the wireless Internet will now be described. A user must access the WAP server  900  for membership subscription through the mobile communication terminal  200  and then input predetermined subscription information to a membership subscription page (S 91 ). The WAP server  900  for membership subscription requests membership subscription, by transferring the subscription information and a unique mobile identification code of the user&#39;s mobile communication terminal  200  that is automatically extracted when the terminal accesses the wireless Internet to the banking system  400  (S 92 ).  
      Thereafter, the banking system  400  transmits the automatically extracted unique mobile identification code to the mobile communication company system  700 , thus requesting whether the mobile communication terminal is valid, i.e., whether it is a terminal whose loss is reported (S 93 ). The mobile communication company system  700  determines whether the terminal is valid by referring to its database and then sends the result to the banking system  400  along with ESN (S 94 ). The banking system  400  provides the subscription information and the unique mobile identification code received in step (S 91 ) to the FEM system  300  (S 95 ), thereby completing the subscription procedure.  
       FIG. 11  is a network-based flowchart for describing a mobile credit settlement method for a member store subject using a unique mobile identification code according to a GSM mode according to the present invention,  FIG. 12  is a network-based flowchart for describing a mobile financial transaction method for a CD/ATM using a unique mobile identification code according to a GSM mode according to the present invention,  FIG. 13  is a network-based flowchart for describing a method for purchasing and paying mobile electronic cash using a unique mobile identification code according to a GSM mode according to the present invention,  FIG. 14  is a network-based flowchart for describing a traffic fare settlement method using a unique mobile identification code according to a GSM mode according to the present invention,  FIG. 15  is a network-based flowchart for describing a membership subscription method through a direct visit in a mobile financial transaction system using a unique mobile identification code according to a GSM mode according to the present invention, and  FIG. 16  is a network-based flowchart for describing a membership subscription method through a wired/wireless Internet in a mobile financial transaction system using a unique mobile identification code according to a GSM mode according to the present invention.  
       FIG. 11  to  FIG. 16  may correspond to  FIG. 4 ,  FIG. 6  to  FIG. 10 , respectively. In  FIG. 4 ,  FIG. 6  to  FIG. 10 , the ESN and MIN are used as the unique mobile identification code with the mobile communication company system not used in the authentication process. On the contrary, the process flows shown in  FIG. 11  to  FIG. 16  are the same as those shown in  FIG. 4 ,  FIG. 6  to  FIG. 10  except that a mobile communication company system  700  is used, TMSI (and acquisition time information) is used as a unique mobile identification code, a user has to press shortcut keys that are allocated for financial transaction in advance and the SEND button (excluding a slot time method and a response method for a calling signal) in order to generate a unique mobile identification code from a mobile communication terminal  200 , and the mobile communication company system  700  confirms IMSI based on TMSI emitted from the user&#39;s mobile communication terminal  200  and then resends it to the FEM system  300 .  
      For example, in  FIG. 11 , the radio frequency signal emitted from the user&#39;s mobile communication terminal  200  is sent to the FEM system  300  and the mobile communication company system  700  (S 201 - 2 ). The mobile communication company system  700  extracts TMSI from the radio frequency signal. The mobile communication company system  700  compares the extracted TMSI and its acquisition time information to extract a corresponding IMSI and transmits the extracted IMSI to the FEM system  300  together with the TSMI (and its reception time information) (S 203 - 1 ). The FEM system  300  extracts authentication or financial transaction information corresponding to the IMSI by referring to its database, and then takes the remaining necessary steps. As the same processes to the above processes are performed in  FIG. 12  to  FIG. 16 , detailed description on them will not be given. It is, however, to be noted that the mobile communication company system  700  may receive the TMSI (and acquisition time information) from the FEM system  300 , confirm the IMSI and return the IMSI to the FEM system  300 .  
       FIG. 17  is a network-based flowchart for describing a mobile admission control method using a unique mobile identification code according to the present invention. In  FIG. 17 , a solid line indicates a wired process flow, a chain dashed line designates a process flow specially added to the GSM mode only, and a chain double-dashed line indicates a process flow added when the PMICA shown in  FIG. 3  is adopted. Furthermore, reference numeral  200  indicates a mobile communication terminal,  300  designates a FEM system for performing user authentication,  700  indicates a mobile communication company system,  870  designates a computer for management that is used for storing attendance information, and  970  indicates a door lock (hereinafter, referred to as a “PMICA door lock”) in which the PMICA  100  and  100 ′ shown in  FIG. 2  or  FIG. 3  are built. In this embodiment, the internal construction and handling data of each of the RF processing parts  110  and  140 , the financial processing parts  120  and  150 , and the communication processing parts  130  and  160  in the PMICA  100  and  100 ′ may be appropriately modified for the purpose of authentication.  
      Furthermore, the FEM system  300  has a database in which a variety of user information necessary for user authentication, i.e., a unique mobile identification code of a user&#39;s mobile communication terminal  200  being a member (ESN and MIN in case of the CDMA mode, and IMSI in case of the GSM mode), identification information of an entity to which the user being a member belongs (hereinafter, referred to as an “associate”, wherein the associate may be a user himself or herself being a member), and the like are stored. Accordingly, in order to use the mobile admission control method of the present invention, the user or the associate must be registered in the FEM system  300  as a member in advance.  
      As shown in  FIG. 17 , in order to enter the associate being the member, for example, if the user being the member depresses a predetermined key button with his or her mobile communication terminal  200  approaching to the PMICA door lock  970 , a frequency signal on which a unique mobile identification code is loaded is emitted from the user&#39;s mobile communication terminal  200  (S 301 - 2 ). This frequency signal is transmitted to the mobile communication company system  700  (S 304 ) and is also transmitted to the PMICA door lock  970 . The PMICA door lock  970  analyzes the frequency signal to extract a unique mobile identification code (S 302 ). The PMICA door lock  970  transmits the unique mobile identification code extracted in step (S 302 ) to the FEM system  300 , thus requesting user authentication (S 303 ). The FEM system  300  that received the request performs the user authentication based on the unique mobile identification code received in step (S 303 ), i.e., ESN and MIN in case of the CDMA mode and then sends corresponding user identification information to the PMICA door lock  970 .  
      Meanwhile, in case of the GSM mode, the mobile communication company system  700  extracts TMSI from the radio frequency signal received in step (S 304 ) and then extracts a corresponding IMSI from the extracted TMSI by referring to its database based on its acquisition time information. The mobile communication company system  700  transfers the TSMI corresponding to the extracted IMSI to the FEM system  300  together with its acquisition time information (S 305 ). The FEM system  300  determines whether the TMSI received from the mobile communication company system  700  and its acquisition time information do exist in its database. If it is determined that they exist in the database, the FEM system  300  confirms the identity of the user by referring to its database based on the IMSI and then transfers user identification information, for example, a user ID, etc. to the PMICA door lock  970  (S 306 ).  
      The PMICA door lock  970  then determines whether the user identification information received thus is a registered user by referring to the computer  870  for management. Depending on the determination result, the PMICA door lock  970  may open the door or reject the opening of the door (S 308 ). Then, the PMICA door lock  970  informs the computer  870  for management of the opening of the door or the rejection of the opening of the door (S 310 ) for storage. Thus, the information can be used in attendance in the future. Of course, in case of the PMICA door lock  970  adopting the apparatus in  FIG. 3 , in order to shorten a time taken in authentication, step (S 301 - 1 ) of emitting a calling signal in a predetermined period may be added before step (S 301 - 2 ). The admission control system in  FIG. 17  can be suitably modified so that it can be used in an unmanned store, an ATM booth, a variety of doors, automobiles or a coffer, a personal mail box, etc. Alternatively, the mobile communication company system  700  may be operated together with the FEM system  300 .  
       FIG. 18  is a network-based flowchart for describing a mobile search method using a unique mobile identification code according to the present invention. In  FIG. 18 , a solid line indicates a wired process flow and a chain double-dashed line designates steps specially added in case of the GSM mode. Furthermore, reference numeral  200  indicates a mobile communication terminal,  300  designates a FEM system for performing user authentication,  700  indicates a mobile communication company system,  990  designates a police agency system, and  980  indicates a police portable terminal in which the PMICA  100  and  100 ′ shown in  FIG. 2  or  FIG. 3  are built (hereinafter, referred to as a “PMICA police terminal”). In this embodiment, the internal construction and handling data of each of the RF processing parts  110  and  140 , the financial processing parts  120  and  150 , and the communication processing parts  130  and  160  in the PMICA  100  and  100 ′ can be suitably modified for the purpose of a check-up.  
      In addition, the FEM system  300  has a database in which a variety of user information necessary for user authentication, i.e., a unique mobile identification code of the user mobile communication terminal  200  (ESN and MIN in case of the CDMA mode, and IMSI in case of the GSM mode), identification information and the like are stored. The PMICA police terminal  980  may be a PDA having the mobile communication function.  
      As shown in  FIG. 18 , in order to pass a check-up, if a user depresses, for example, a predetermined key button of his or her mobile communication terminal  200  around the PMICA police terminal  980 , a frequency signal on which a unique mobile identification code is loaded is emitted from the user&#39;s mobile communication terminal  200  (S 321 - 2 ). The frequency signal is sent to the mobile communication company system  700  (S 335 ) and is also sent to the PMICA police terminal  980 . The PMICA police terminal  980  analyzes the frequency signal to extract a unique mobile identification code (S 322 ). The PMICA police terminal  980  transmits the unique mobile identification code extracted in step (S 322 ) to the FEM system  300 , thus requesting identity authentication for the user (S 323 ). The FEM system  300  that received the request performs the user authentication based on the unique mobile identification code received in step (S 323 ), i.e., ESN and MIN in case of the CDMA mode.  
      Meanwhile, in case of the GSM mode, the mobile communication company system  700  extracts TMSI from the radio frequency signal received in step (S 325 ) and extracts a corresponding IMSI from the extracted TMSI by referring to its database based on its acquisition time information. The mobile communication company system  700  transfers the TSMI corresponding to the extracted IMSI to the FEM system  300  together with its acquisition time information (S 326 ). The FEM system  300  determines whether the TMSI received from the mobile communication company system  700  and its acquisition time information do exist in its database. If it is determined that they exist in the database, the FEM system  300  confirms the identity of the user by referring to its database based on the IMSI and then transfers user identification information, for example, a user ID, etc. to the a police agency system  990  (S 324 ). The police agency system  990  extracts identity data of the user, for example, a photograph image, etc. by referring to its database based on the user identification information received in step (S 324 ) and then transmits the identity data to the PMICA police terminal  980  (S 327 ), so that the police can perform a check-up while referring to the identity data.  
      Meanwhile, in the embodiment of  FIG. 18 , the FEM system  300  may be integrally operated with the police agency system  990  or the mobile communication company system  700 .  
       FIG. 19  is a network-based flowchart for describing a traffic fare settlement method of an on-line mode using a unique mobile identification code according to the present invention. In  FIG. 19 , a dotted line indicates a wireless process flow, a solid line designates a wired process flow, and a chain double-dashed line indicates steps specially added to the GSM mode only. Furthermore, reference numeral  200  indicates a mobile communication terminal,  300  designates a FEM system for performing user authentication,  700  indicates a mobile communication company system,  400  designates a banking system, and  100 - 4  indicates a traffic terminal in which the PMICA  100  and  100 ′ shown in  FIG. 2  or  FIG. 3  is built (hereinafter, referred to as a “PMICA traffic terminal”). In this embodiment, the internal construction and handling data of each of the RF processing parts  110  and  140 , the financial processing parts  120  and  150 , and the communication processing parts  130  and  160  in the PMICA  100  and  100 ′ may be appropriately modified for the purpose of authentication.  
      The FEM system  300  stores various user information necessary for authentication and settlement of a traffic fare, therein, i.e., a unique mobile identification code of the user mobile communication terminal  200  (ESN and MIN in case of the CDMA mode and IMSI in case of the GSM mode), a settlement account no. and the like.  
      As shown in  FIG. 19 , in order to pay a traffic fare, if a user depresses, for example, a predetermined key button with his or her mobile communication terminal  200  approaching to the PMICA traffic terminal  100 - 4 , a frequency signal with a unique mobile identification code loaded thereon is emitted from the user&#39;s mobile communication terminal  200  (S 321 - 2 ). The frequency signal is sent to the mobile communication company system  700  (S 335 ) and is also sent to the PMICA traffic terminal  100 - 4 . The PMICA traffic terminal  100 - 4  analyzes the frequency signal to extract a unique mobile identification code (S 332 ). The PMICA traffic terminal  100 - 4  transmits the unique mobile identification code extracted in step (S 332 ) to the FEM system  300 , thus requesting identity authentication for the user (S 333 ). The FEM system  300  that received the request performs user authentication based on the unique mobile identification code received in step (S 333 ), i.e., ESN and MIN in case of a CDMA mode.  
      Meanwhile, in case of the GSM mode, the mobile communication company system  700  extracts TMSI from the radio frequency signal received in step (S 335 ) and extracts a corresponding IMSI from the extracted TMSI by referring to its database based on its acquisition time information. The mobile communication company system  700  transfers TSMI corresponding to the extracted IMSI to the FEM system  300  together with its acquisition time information (S 336 ). The FEM system  300  determines whether the TMSI received from the mobile communication company system  700  and its acquisition time information do exist in its database. If it is determined that they exist in the database, the FEM system  300  confirms the identity of the user by referring to its database based on the IMSI and then transfers settlement account information to the banking system  400 , thus requesting the settlement (S 334 ). The banking system  400  settles the traffic fare based on the settlement account information received in step (S 334 ), sends the result to the PMICA traffic terminal  100 - 4 , so that the user can know that the fare is normally processed. Of course, in case of the PMICA traffic terminal  100 - 4  adopting the apparatus in  FIG. 3 , in order to shorten a time taken in authentication, step (S 331 - 1 ) of emitting the calling signal in a predetermined period may be added before step (S 301 - 2 ). Meanwhile, in the embodiment of  FIG. 19 , the FEM system  300  may be integrally operated with the banking system  400  or the mobile communication company system  700 . In addition, such a traffic fare settlement system may be used to settle the traffic fare of a subway or a railroad, a toll of a highway, etc.  
      The mobile authentication/financial transaction system using the unique mobile identification code and method thereof according to the present invention are not limited to the aforementioned embodiments, but may be modified in various manners without departing from the scope and spirit of the present invention. For example, the present invention can be applied to an automatic vending machine. In this case, the automatic vending machine may correspond to the PMICA POS terminal shown in  FIG. 4  or  FIG. 7 .  
      Furthermore, in the aforementioned embodiments, it has been described that in case of the CDMA mode, both the ESN and MIN are included in the unique mobile identification code. It is, however, to be noted that only one of the ESN and MIN may be included in the unique mobile identification code.  
      The mobile authentication/financial transaction system using the unique mobile identification code and method thereof according to the present invention has the following effect.  
      Firstly, by adding a simple equipment to a variety of existing financial transaction terminals without replacing an existing mobile communication terminal, various mobile financial transactions such as credit settlement ad electronic cash settlement through a member store, cash deposit/withdrawal and transfer or inquiry of a transaction history through CD/ATM, traffic fare settlement through non-authentication, etc. can be performed.  
      Secondly, only call information such as a mobile telephone number and an equipment serial number are exposed in a financial settlement process. Accordingly, there is an effect that there is no damage even if hacking is attempted.  
      Thirdly, there is an effect that financial transaction is conveniently performed since user authentication is performed by way of a non-contact method.  
      Fourthly, there is an effect that subscription is easy and convenient since a user can become a member without directly writing call information, etc.  
      Fifthly, there is an effect that the present invention can be smoothly applied to various financial transactions by differentiating the degree of security.  
      Sixthly, in case where the present invention is applied to an admission control system, admission control can be performed without using an additional security card or a key. Accordingly, a user can enter an associate only using his or her mobile communication terminal.  
      Finally, in case where the present invention is applied to a check-up system, the police can examine a culprit and a wanted man without directly contacting them. It is thus possible to reduce a possible danger and to minimize traffic jam that may occur due to a blanket check-up for vehicles. Accordingly, inconvenience and social disharmony in a check-up that may be given to common people can be reduced.  
      While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It is to be appreciated that those skilled in the art can change or modify the embodiments without departing from the scope and spirit of the present invention.