Finance security system using a mobile telephone device applying an account and payment limit money and method of the same

PURPOSE: A system and a method for the banking security by using a mobile terminal linked with an account/amount are provided to disable an illegal withdrawal even if a card is lost by linking a mobile communication provider with a banking server in order to make a user set a lock to the banking accounts through a mobile terminal. CONSTITUTION: Banking servers(18A-18N) or a VAN(Value Added Network) company server(17) generate an approval signal by performing the certification for the card if a use approval request signal is generated in an ATM(Automated Teller Machine) or a card settlement terminal of a member shop. Mobile terminals(HP1-HP2) generate the approval signal for the account or card use, and generate the approval decision signal for the card or the account by receiving an SMS(Short Message Service) for the approval. An MSC(Mobile Switching Center)(16) registers the account or the card, sets/releases the lock of the account or the card, transmits the query data for the use approval to the mobile terminals in an SMS(Short Message Service) form, and makes the user use the card or the account by receiving/transmitting response data to the banking servers or the VAN company server.