Patent ID: 7885870

Claim:
A system for providing banking services that uses a mobile communication system, in which at least one financial transaction of at least one financial institution is processed by a mobile communication system, the system comprising: a mobile communication system, having an integrated circuit (IC) card and a memory upon which a banking application is installed, the memory mounting all software for mobile banking services, the mobile communication system being configured to transmit and receive data via a wireless connection, the IC card storing personal identification number (PIN) information and information related to at least one financial account, the banking application processing the financial transaction by mobile banking; and at least one banking server that only provides information for processing a request to process the at least one financial transaction and for processing a response to the request when the at least one banking server is requested to process the financial transaction by the banking application of the mobile communication system, wherein the at least one financial transaction is calculated by the mobile communication system and is transmitted by the mobile communication system to the at least one banking server, wherein, when a key signal related to the at least one financial transaction is inputted via the mobile communication system, the banking application installed on the memory of the mobile communication system is executed, the PIN information for completing a login to the IC card is inputted, authentication is performed by the mobile communication system, a list of the at least one financial account stored on the IC card is extracted and displayed in a display window of the mobile communication system, at least one account is selected from the list of the at least one financial account, a request message for the financial transaction is formed using information related to the selected at least one account and transmitted to the at least one banking server, the at least one banking server processing the at least one financial transaction in response to the request message for the at least one financial transaction and transmitting a result of processing the at least one financial transaction to the mobile communication system, and the result of processing the at least one financial transaction is displayed on the display window of the mobile communication system, wherein the IC card resets the information related to the selected at least one account stored on the IC card to synchronize the information related to the selected at least one account with information managed by the at least one banking server, wherein the information related to the selected at least one account stored on the IC card is synchronized via the wireless connection, and wherein the IC card is not in physical contact with the at least one banking server.