Patent ID: 7374079

Claim:
A method of providing banking services using a mobile communication system, with which financial transactions are performed with a banking server of at least one financial institution, the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and information related to financial accounts of a user, the method comprising: selecting an electronic bankbook service through one of a mobile banking (M/B) dedicated key and a menu option of the mobile communication system, and selecting a financial transaction of the electronic bankbook service; comparing PIN information input to the mobile communication system with the PIN information stored in the IC card chip to authorize access to data stored in the IC card chip; displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system when access to data stored in the IC card chip is authorized; forming a financial transaction request message using information relating to a selected financial account through a banking application stored in the mobile communication system, and transmitting the financial transaction request message to the banking server when a signal based on a selection of the financial account is input to the mobile communication system; performing a predetermined customer authentication process with respect to the selected financial transaction and the selected financial account at the banking server, and transmitting a financial transaction response message from the banking server to the mobile communication system; and receiving the financial transaction response message transmitted from the banking server, and displaying a resulting transaction history in the display window of the mobile communication system.