Patent ID: 7336974

Claim:
A mobile financial system for PIN-blocking a smart chip by providing a mobile financial service including banking, securities and/or insurance to a customer with the use of a mobile communication terminal where the smart chip is contained, and by transmitting a PIN block SMS for blocking the smart chip through a mobile communication company system to the mobile communication terminal when the mobile communication terminal is lost, comprising: a first communication unit including a number of the mobile communication terminal and a hexa value, and receiving a PIN block telegram for requesting a PIN block; a logic processor consisting of a first processing module for parsing the PIN block telegram, generating an identifiable number, and storing the number, the mobile communication terminal number, and the hexa value in a predetermined first storage, and a second processing module for combining the number, the mobile communication terminal number, and the hexa value stored in the first storage, and generating an SMS telegram to request a PIN block SMS to be transmitted; and an SMS processor including a second communication unit for transmitting the generated SMS telegram to a mobile communication company system; and wherein the hexa value includes a chip serial number, the number of the smart chip, and predetermined encoded data.