KR20020063350A - Mobile phone with financial information within UIM card, and method used therein - Google Patents

Abstract

The present invention makes it possible to attach and detach a subscriber identity card stored in a plurality of financial information and authentication information to a mobile communication terminal, and is equipped with a short-range wireless communication module to finance a subscriber identity card capable of payment / charge regardless of online and offline. A mobile communication terminal incorporating information and a method of using the same. The present invention is capable of inserting / reading / recording a UIM card in which subscriber telephone numbers, financial information, authentication information, and personal information are stored, and internet access through wireless communication and short-range wireless communication using a short-range communication module. In the method of using a mobile terminal, reading the subscriber's telephone number, financial information, authentication information, personal information stored in the UIM card inserted into the UIM card slot of the mobile communication terminal, and determining whether the same as the input user password ; If the determination result is the same, outputting a payment service, transaction history inquiry service, prepaid card charging service, ticket issuing and using service or transportation card issuing and using service menu so that the user can select a desired service; And receiving a corresponding service by accessing a service providing system through the Internet according to the service selected by the user.

Description

Mobile phone with financial information embedded in subscriber identification card and method of using the same {Mobile phone with financial information within UIM card, and method used therein}

The present invention relates to a payment / charging method using a mobile terminal equipped with a subscriber identification card, and in particular, enables a subscriber identification card storing a plurality of financial information and authentication information to be detachable from the mobile communication terminal, The present invention relates to a mobile communication terminal having a financial information embedded in a subscriber identity card capable of payment / charging without distinguishing between on-line and off-line with a module, and a method of using the same.

In general, an IC card (credit card, debit card, prepaid card, transportation card) requires a dedicated terminal to make a payment or charge. In addition, even when the online payment using the Internet, the purchase approval in the shopping mall after entering the card number and the expiration date could be received. However, the method of using a card has a problem that the card user's number may be exposed to the outside due to hacking, because both the card number and the expiration date are input when the goods are paid.

In order to solve this problem, Korean Patent Laid-Open Publication No. 2000-37185 incorporates an RF chip for a non-contact prepaid card having a card unique number in a mobile communication terminal, enabling prepaid card transactions, and whenever necessary, the prepaid card. A system is described that allows the user to view and recharge their balance via the Internet. Since the contactless RF chip and antenna coil are embedded in the mobile communication terminal, there is no need to carry a card separately, and the balance information stored in the RF chip memory that can only be checked in the service terminal can be checked through a web server. There is an advantage that can be charged through the web server even if not go one by one. However, the RF chip stores only the card number without the amount information, and the actual amount information for each card number is stored in the web server. Therefore, the merchant terminal accesses the web server to check the balance information at the time of payment. do. Therefore, it is not suitable for use as a transportation card of a bus or subway that requires quick payment. In addition, the existing RF card is only attached to the mobile phone, and the user cannot interact with the mobile phone, and the user simply checks the balance and charges the web server through the card unique number given by membership registration or mobile phone purchase. .

In another conventional technology, Korean Patent Laid-Open Publication No. 1998-46928 incorporates a Combi chip (consisting of a contact smart card and a non-contact smart card) in a portable electronic device, and plays a role of checking balance, subtracting payment, and adding charge. The electronic wallet card operating system has been described in which a balance check and a subtraction payment role are performed as a contactless smart card, and the same electronic wallet information is synchronized by synchronizing the electronic wallet information storage areas of the two smart cards. This has the effect of improving the convenience and speed of use, and the stability and security of data processing. However, since the amount that can be used for payment is limited to the balance stored in the electronic wallet information storage area of CombiChip, it can only serve as a prepaid card. There is a problem that the use range is narrow.

An object of the present invention for solving the above problems is to store a variety of financial information in a removable user identification module (UIM) card to separate the mobile terminal and the subscriber, the financial information of the wireless communication The present invention provides a mobile communication terminal having financial information embedded in a subscriber identity card that enables payment and charging, and a method of using the same.

1 is a block diagram schematically showing the configuration of an entire system according to the present invention;

2 is a block diagram schematically showing the structure of a mobile communication terminal according to the present invention;

3 to 4 is a block diagram showing an embodiment of a payment system using a short-range communication module according to the present invention.

5 is a flowchart illustrating a service using process according to the present invention.

6 is a flowchart illustrating a payment process using a credit card according to the present invention.

7 is a flowchart illustrating a payment process using a debit card according to the present invention.

8 is a flowchart illustrating a payment process using a prepaid card according to the present invention.

9 is a flowchart illustrating a charging process of a prepaid card according to the present invention.

10 is a flowchart illustrating a ticket issuing process according to the present invention.

11 is a flowchart illustrating a ticket usage process according to the present invention.

12 to 13 are exemplary views showing an example of a transaction history inquiry screen according to the present invention.

<Description of Symbols for Major Parts of Drawings>

10: mobile communication terminal 12: UIM card

20: Internet 30: dedicated payment terminal

40: card issuer 50: financial institutions

60: shopping mall 70: service provision system

72: payment processing system 74: prepaid card charging system

76: ticket issuance system 78: traffic card issuance system

A feature of the present invention for achieving the above object is the insertion / reading / recording of the UIM card that stores the subscriber's telephone number, financial information, authentication information, personal information, Internet access and short-range communication module through wireless communication A method of using a mobile communication terminal capable of short-range wireless communication, comprising: reading subscriber telephone number, financial information, authentication information, and personal information stored in a UIM card inserted into a UIM card slot of a mobile communication terminal, Determining whether they are identical; If the determination result is the same, outputting a payment service, transaction history inquiry service, prepaid card charging service, ticket issuing and using service or transportation card issuing and using service menu so that the user can select a desired service; And receiving a corresponding service by accessing a service providing system through the Internet according to the service selected by the user.

In another aspect, the present invention provides a mobile communication terminal capable of wireless data communication through an internet connection with a voice call, comprising: a UIM card storing subscriber telephone numbers, financial information, authentication information, and personal information; The UIM card is inserted in the mobile communication terminal embedded with financial information in the subscriber identity card, characterized in that it comprises a UIM card slot for reading / recording the information of the inserted UIM card memory.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically showing the configuration of the entire system according to the present invention, a mobile communication terminal 10, a dedicated payment terminal 30, a card issuer 40, a financial institution 50, a shopping mall 60, It consists of a service providing system (70).

The mobile communication terminal 10 includes a device (slot) capable of mounting and reading a user identification module (UIM) card 12 and a short range communication module capable of short-range wireless communication. Internet access is possible, and the card is authenticated using the authentication information and financial information of the UIM card read through wireless communication, and plays a role of payment of payment, charging of the UIM card balance, ticket reservation, transaction history inquiry, and the like. . The memory of the User Identification Module (UIM) card 12 includes a mobile phone number (MIN), a personal identification number (PIN), authentication information such as a certificate and a user name, Personal information such as address and contact information is recorded, and financial information (credit card, debit card, prepaid card, transportation card) of various IC cards is stored. In addition, the UIM card 12 may include a microprocessor and a memory to store and update financial information. In the drawing, for simplicity, the components located before the Internet 20 connection, such as a mobile communication base station and a mobile telephone exchange, are omitted.

The dedicated payment terminal 30 is the same as a CAT (Credit Authorization Terminal) installed at an affiliated store, and includes a short-range wireless communication module for communicating with the mobile communication terminal 10, the card issuer 40 or the financial institution ( 50) and the Internet 20 or a Value Added Network (VAN) (not shown).

The card issuer 40 and the financial institution 50 function to approve payment of goods and to charge the balance of the UIM card 12 through the financial information and authentication information stored in the UIM card 12.

The shopping mall 60 is a merchandise sales system capable of making online purchases and payments and, in the case of a credit card, authenticates the card issuer 40 according to payment means information (ie, financial information of the UIM card 12) transmitted from the user. In the case of a debit card, the financial institution 50 compares whether the transaction is possible, and in the case of a prepaid card, the balance remaining in the UIM card 12 is compared to complete a payment if appropriate, and the UIM card 12 It functions to send out the purchased goods using the personal information read and transmitted from.

The service providing system 70 communicates with the mobile communication terminal 10 connected to the Internet 20, and the card issuer 40, using authentication information, personal information, and financial information of the inserted UIM card 12, Providing various services in connection with the financial institution 50, the shopping mall 60, the payment processing system 72 for processing payments, the prepaid card charging system 74 to charge the prepaid card balance of the UIM card 12 The ticket issuance system 76 enables the ticket reservation with the financial information of the UIM card 12, and transmits the ticket information reserved for the mobile communication terminal 10, for a traffic card such as a highway, subway, bus, etc. It is composed of a traffic card issuing system 78 that provides a service.

2 is a block diagram schematically showing the structure of a mobile communication terminal according to the present invention, and FIGS. 3 to 4 are block diagrams illustrating an embodiment of a payment system using a short range communication module according to the present invention.

The mobile communication terminal 10 according to the present invention can remove / mount and read the UIM card 12 in which authentication information, financial information, and personal information are stored in a universal mobile communication terminal, and can record data in the UIM card. Is provided with a UIM card slot 102, and has a short-range communication module 105 capable of short-range wireless communication with the dedicated payment terminal 30. The short range communication module may use RF, infrared communication (IrDA), Bluetooth, or the like. In addition, payment, charging, ticket reservation through the Internet 20 uses an existing communication unit of the mobile communication terminal.

As shown in FIG. 3 and FIG. 4, payment is made by communicating with a short range communication module 32 installed in the dedicated payment terminal 30. 3 illustrates a dedicated payment terminal 30 installed in a general store, and FIG. 4 illustrates a dedicated payment terminal 30 installed in an entrance gate of a theater or a subway.

5 is a flowchart illustrating a service using process according to the present invention, and shows a whole service process according to the present invention.

First, the UIM card 12 is inserted into the UIM card slot 102 of the mobile communication terminal 10 (S100). When the UIM card 12 is inserted, the mobile communication terminal 10 determines whether the UIM card 12 is a card that can be recognized or inserted correctly (S101). (S102), if correct, the financial information, authentication information, and personal information stored in the memory of the UIM card 12 are read (S103). Then, a password input is requested to confirm that the user is a legitimate user, and when the password is input (S104), it is determined whether the password matches the read password of the authentication information (S105). If it does not match, an unavailable message is output (S106), and a user input is requested again. If it matches, the service menu is output and the user waits for service selection (S107). The user selects a desired service from the service menu such as payment output (S108), transaction history inquiry (S109), prepaid card charging (S110), ticket issuance and use (S111), transportation card issue and use (S112), and the like. I use it.

Hereinafter, each service step will be described in more detail.

6 to 8 are service flow diagrams when payment is selected from the service menu, and assumes that a process before payment (selection of purchase item, selection of payment method, etc.) in a shopping mall is completed before payment.

6 is a flowchart illustrating a payment process using a credit card according to the present invention.

When the payment processing instruction 72 of the service providing system 70 sends a payment start instruction, the user inputs purchase information such as a shopping mall, a purchased item, a purchase amount, and performs a payment operation. At this time, the purchase information may be automatically input in the shopping mall. When a payment operation is made by the user, credit card information and authentication information read from the UIM card 12 are transmitted to the payment processing system 72 through S103 of FIG. 5, and the payment processing system 72 is the card issuer. The credit request is made to (40), and when the credit inquiry result is approved, the payment is requested to complete the payment. When the payment is completed, if the payment confirmation message is transmitted to the mobile communication terminal 10, the mobile communication terminal 10 outputs the payment confirmation message to the user, and stores the payment history in the memory of the UIM card 12.

7 is a flowchart illustrating a payment process using a debit card according to the present invention, Figure 8 is a flowchart showing a payment process using a prepaid card according to the present invention.

As shown in FIG. 6, a user who has received a payment start instruction from the payment processing system 72 inputs purchase information and performs a payment operation. Then, the mobile communication terminal 10 transmits the debit card information and authentication information read out from the UIM card 12 to the payment processing system 72, and the payment processing system 72 registers the registration with the financial institution 50. And request balance information, and the payment processing system 72 compares the balance of the user account of the financial institution 50 with the payment amount, and if the balance is insufficient, fails to process the payment. The payment request is made to the institution 50, and when the payment is completed, the payment confirmation message is transmitted to the mobile communication terminal 10 to be output to the user. When the payment is completed, the mobile communication terminal 10 stores the payment details in the memory of the UIM card 12.

The payment process using the prepaid card is similar to FIG. 7, except that the balance information is not received from the financial institution 50, but the payment information of the prepaid card of the UIM card 12 is directly received from the mobile communication terminal 10. Is completed, the prepaid card balance of the UIM card 12 is deducted by the corresponding payment amount by the mobile communication terminal 10 and then stored.

If the information input such as the product delivery address in the shopping mall 60 before the payment service is used so that the personal information of the UIM card 12 is automatically transmitted to the shopping mall 60, the user does not need a manual input. It will be easier.

9 is a flowchart illustrating a charging process of a prepaid card according to the present invention.

The prepaid card charging system 74 that receives the user's prepaid card charging request instructs the mobile terminal 10 to start charging, and the user requests charging information such as a desired amount of charge, a subscription financial institution, account information, and authentication information. Is transmitted to the prepaid card charging system 74. Here, the information other than the charge amount may be preferably read and transmitted from the UIM card 12. The prepaid card charging system 74 requests the balance inquiry by accessing the financial institution 50 using the received information, and the financial institution 50 transmits the balance information of the corresponding account. The prepaid card charging system 74 compares the balance of the corresponding account with the desired recharge amount input by the user, and if the balance is insufficient, charges fail, and transfers the account to the financial institution 50 if the balance is over the recharge amount. Request for charging, such as a request, and if the request is accepted, and sends a charge confirmation message to the mobile communication terminal (10). The mobile communication terminal 10 receiving the charge confirmation message updates the prepaid card balance information of the UIM card 12 with the sum of the charges, outputs a charge confirmation message to the user, and then displays the charge details in the UIM card 12. In the memory).

This process is the same as the filling of the transportation card balance through the transportation card issuing system 78.

10 is a flowchart illustrating a ticket issuing process according to the present invention, and FIG. 11 is a flowchart illustrating a ticket using process according to the present invention.

The ticket issuance means to reserve various cultural performances or movie tickets.

When the user selects the ticket issuing and using menu of FIG. 5 and performs a ticket purchase request operation, the mobile communication terminal 10 transmits a ticket purchase request signal to the ticket issuing system 76 and issues the received ticket. System 76 provides ticket information (performance, remaining seat, price) available for purchase to mobile terminal 10. The user selects a ticket to purchase from the displayed ticket information, and selects whether the payment means is a credit card, a debit card or a prepaid card. When the ticket selection by the user and the payment means selection are completed, the mobile communication terminal transmits the corresponding information (selected ticket information and payment means information) to the ticket issuing system 76. The ticket issuing system 76 completes the payment through the process of FIGS. 6, 7, or 8 according to the transmitted information, and then issues a purchased ticket to the mobile communication terminal 10. The mobile communication terminal 10 displays the issued ticket information and stores the transaction history and the issued ticket information in the memory of the UIM card 12.

The process of using a ticket issued through this process is as follows.

If the user presents a ticket to the mobile communication terminal 10 before passing through the gate, the mobile communication terminal 10 transmits the ticket information previously stored in the memory of the UIM card 12 to the gate. Transfer to 30. The dedicated payment terminal 30 of the gate determines whether the transmitted ticket information is correct, approves the ticket, and transmits an approval signal to the mobile communication terminal 10 to be displayed to the user. When the transmission of the approval signal is completed, the dedicated payment terminal 30 of the gate transmits the ticket usage information to the ticket issuing system 76, displays the ticket usage on the mobile communication terminal 10, and when everything is completed, the gate blocking bar and the like. Open to allow the user to enter.

12 to 13 are exemplary views showing an example of a transaction history inquiry screen according to the present invention.

When a transaction such as payment, prepaid card / transport card charging, ticket reservation, etc. is made, the details are all stored in the memory of the UIM card 12 as described above. The stored information may be organized and output according to a specific service as shown in FIG. 12 or 13, or may be output according to specific search conditions such as date, amount, and transaction details.

The amount paid by the payment, ticket issuance or transportation / prepaid card charging may be used in addition to the communication charge (telephone charge) of the mobile communication terminal 10 rather than a financial institution.

In addition, since the UIM card 12 stores a subscriber identification number (MIN), a PIN, and the like, even if it is inserted and used in another mobile communication terminal 10, its mobile communication is not necessary. It can be used as the terminal 10. Therefore, a communication roaming service and a roaming service of financial information may be provided together.

As described above, according to the present invention, since a variety of card information is stored in one UIM card inserted into a mobile communication terminal, it is not necessary to carry several cards separately for payment, and a card reader using a communication function of the mobile communication terminal. Payment is possible even where it is not installed. In addition, when a payment is made using a short-range communication module of the mobile communication terminal, it is possible to reduce the effort of inserting the card directly into the payment terminal. In addition, leakage of a card number, a password, etc. at the time of a payment can be avoided. In addition, there is an advantage that not only communication roaming service but also roaming service of financial information.

Claims (7)

It is possible to insert / read / record UIM card that stores subscriber's phone number, financial information, authentication information, and personal information, and to use the mobile communication terminal capable of short-range wireless communication using internet connection and short-range communication module through wireless communication. In the method, Reading the subscriber's telephone number, financial information, authentication information, and personal information stored in the UIM card inserted into the UIM card slot of the mobile communication terminal, and determining whether or not the same as the input user password; If the determination result is the same, outputting a payment service, transaction history inquiry service, prepaid card charging service, ticket issuing and using service or transportation card issuing and using service menu so that the user can select a desired service; And And accessing a service providing system through the Internet according to the service selected by the user, and receiving the corresponding service. The method of claim 1, wherein the payment service step Receiving, by the payment processing system of the service providing system, purchase information such as a shopping mall, a purchased item, a purchase amount, and payment means information; Accessing a card issuer or a financial institution through the transmitted information, and completing a payment of a corresponding purchase amount by being authenticated; When the payment is completed, the payment confirmation message is transmitted to the mobile communication terminal, the mobile communication terminal outputs the payment confirmation message to the user, the subscriber identification card comprising the step of storing the payment history in the memory of the UIM card How to use a mobile terminal with financial information embedded in it. The method of claim 2, wherein the step of completing the payment when the payment means is a prepaid card is performed by receiving the balance information of the UIM card and making the payment. . The prepaid card charging system of claim 1, wherein the prepaid card charging service comprises: receiving, by the prepaid card charging system of the service providing system, request information such as a desired recharge amount, a subscribed financial institution, account information, and authentication information; Accessing the financial institution using the received charge request information to request a balance inquiry and receiving balance information of the corresponding account; Comparing the balance of the corresponding transfer account with the desired recharge amount, if the balance is insufficient, charging failure processing; and if the balance is more than the recharge amount, requesting a recharge from a financial institution; When the charge request is accepted, the charging confirmation message is transmitted to the mobile communication terminal. Upon receiving the charging confirmation message, the mobile communication terminal updates the prepaid card balance information of the UIM card to the sum of the charged amounts, and sends the charging confirmation message to the user. After outputting, the method of using a mobile communication terminal incorporating financial information in the subscriber identification card, characterized in that it comprises the step of storing the charge history in the memory of the UIM card. The method of claim 1, wherein the ticket issuing and using service step Receiving, by the ticket issuing system of the service providing system, a ticket purchase request signal; Providing ticket information for purchase to a mobile communication terminal and receiving ticket information selected by a user and payment means information of a ticket purchase amount; Completing the payment according to the transmitted information, issuing a purchased ticket to the mobile terminal, displaying the issued ticket information to the user, and storing the transaction history and the issued ticket information in the memory of the UIM card; ; And And using the ticket stored in the memory of the UIM card. A mobile communication terminal capable of wireless data communication through an internet connection with a voice call, A UIM card storing subscriber telephone numbers, financial information, authentication information, and personal information; And And a UIM card slot into which the UIM card is inserted and which reads / writes information of the inserted UIM card memory. 7. The mobile terminal of claim 6, further comprising a short range communication module for short range communication with a dedicated payment terminal.