KR20010009217A - A mobile station combined with payment apparatus and a method providing service for the same - Google Patents

Abstract

A mobile communication terminal combined with a currency payment means disclosed herein provides a portable terminal circuit for performing mobile communication, an IC card used as a currency payment means, a memory means for storing information about the IC card, and an IC card. And information processing means for controlling the IC card information to be transmitted through the portable terminal circuit to receive a plurality of services wirelessly, and a display means for displaying the situation and service result of the service being provided. The mobile terminal for mobile communication is combined with a currency payment means consisting of an IC card to make a payment through an existing contact or contactless IC card reader. Then, the electronic financial service can be received through the portable terminal. At this time, the user is automatically recognized by transmitting IC card information stored in advance.

Description

Mobile communication terminal combined with currency payment means and service method therefor {A MOBILE STATION COMBINED WITH PAYMENT APPARATUS AND A METHOD PROVIDING SERVICE FOR THE SAME}

The present invention relates to a mobile communication terminal, and more particularly, to a mobile communication terminal having an IC card which is a currency payment means.

Since the first appearance of credit cards in the 20s, the use of cards has been spreading to cash cards, credit cards, ID cards, securities cards, department stores cards, etc. Recently, due to the convenience, stability, and versatility of users, they have become small computers. There is a growing interest in called IC cards (aka smart cards).

1 is a view showing the appearance of a general IC card. 2 is a view showing a contact point of the IC provided in the IC card shown in FIG.

Referring to FIG. 1, the IC card 20 is a form in which a thin semiconductor element is attached to a plastic card of a credit card size, and is higher in safety than a card using a conventional magnetic strip and there is no fear of data being erased. In addition, it is emerging as a next generation multimedia information medium due to its high security. The IC card is made of a plastic having a credit card size and thickness and a semiconductor chip 22 having a thickness of 0.5 mm is formed in a chip on board (COB) form.

Referring to FIG. 2, the IC 22 forming the IC card 20 includes a power supply terminal Vcc for power supply, a reset terminal RST for inputting a reset signal, a clock terminal CLK, It has eight terminals consisting of two spare terminals (RFU), a ground terminal (GND), an unused terminal or a programming voltage terminal (Vpp) and a data input / output terminal (I / O).

In general, there are two types of IC card 20, a smart card and a memory card. Smart card is equipped with special security structured crypto processor, micro processor, memory, COS (Chip Operating System), and memory card has password protection function and self-destructive function during external operation. Logic). Among the memory cards are wired logic memory cards that can only be reduced by special logic circuits. In addition, there is a Combi card combining only the advantages of the smart card and the memory card.

The IC card 20 includes a contact type IC card and two types of wireless contactless cards CICC (Contactless IC Card) and RCCC (Remote Coupling Communication Card). CICC was developed by ATT in the United States, has a sensing range of 1/2 inch, and RCCC is a card that can recognize a card at a distance of about 700cm, and is standardized to ISO DIS 10536.

The IC card 20 is capable of inputting and outputting information such as two-way communication, distributed processing, and safety protection of information. The IC card 20 can be used for finance, distribution, factory automation, office automation, medical care, transportation, industry, social security, mobile communication, public telephone, and cable. The fields of application are also developing rapidly, including TV, power, gas, water, education, credit cards, debit cards, prepaid cards, city gas management, information security, and home banking.

In addition, the above services are being integrated into one card. In response to this trend, an apparatus and a service method therefor that can more conveniently provide and use an IC card used as a financial settlement means, and provide a user with various services associated with the IC card more conveniently. It is required.

Accordingly, an object of the present invention has been proposed to solve the above-mentioned problems, it is possible to more conveniently equipped with the IC card used as a financial settlement means, and to use a variety of services associated with the IC card to the user The present invention provides a device that can be conveniently provided and a service method therefor.

1 is a view showing the appearance of a typical IC card;

FIG. 2 shows a contact point of an IC provided in the IC card shown in FIG. 1; FIG.

3 is a block diagram schematically showing the configuration of a portable terminal according to the present invention;

4A and 4B are front and rear views schematically showing the appearance of a portable terminal according to an embodiment of the present invention;

5 is a front view briefly showing the appearance of a portable terminal according to another embodiment of the present invention; And

6 is a block diagram schematically illustrating a portable terminal and an electronic banking service provided to the portable terminal according to the present invention.

* Description of the symbols for the main parts of the drawings *

100, 100a: portable terminal 110, 110a: antenna

120, 120a: display device 130, 130a: input device

220, 220a: IC card contact part 500: Electronic financial payment system

600: IC card reader

According to a feature of the present invention for achieving the object of the present invention as described above, the mobile communication terminal combined with the money payment means, a portable terminal circuit for performing mobile communication, an IC card used as a money payment means, the A memory means connected to an IC card for storing information on the IC card, the mobile communication means and a plurality of services connected to the memory means and stored in the memory means for wirelessly receiving a plurality of services provided for the IC card Information processing means for controlling transmission of the information on the IC card through the mobile communication means, and display means connected to the information processing means for displaying the situation in which the service is provided and the service result.

(Example)

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to FIGS. 3 to 8.

The novel mobile terminal for mobile communication of the present invention is combined with a currency payment means composed of an IC card to make a payment in the same manner as a conventional payment method for a contact or contactless IC card. In addition, it is possible to receive electronic banking services (ie, phone banking services through the mobile terminal) through the electronic financial settlement system through the portable terminal. At this time, the user is confirmed by transmitting information of the money payment means stored in advance.

3 is a block diagram schematically showing the configuration of a portable terminal according to the present invention. Referring to FIG. 3, the portable terminal 100 according to the present invention includes an antenna 110, a display device 120, a portable terminal circuit and an information processing device 150, a card information storage device 170, and an IC card. 200.

The portable terminal 100 can transmit and receive data by the portable terminal circuit. The portable terminal 100 performs the financial settlement function performed by the credit card, debit card, prepaid card and transportation card in addition to the functions of the general portable terminal as described above through the IC card 200. Therefore, the financial settlement function can be performed with one portable terminal 100 provided with the IC card 200 without having to carry a separate payment means.

In addition, the portable terminal 100 according to the present invention provides a financial settlement service that can also perform details of payments made by the IC card 200 provided in the terminal, a credit search of the user, and an electronic financial settlement using wireless communication. Are provided. To this end, the portable terminal 100 stores card information such as a card number and a password of the IC card 200 in the card information storage device 170. When the card information is provided with the financial settlement service, the card information automatically serves to receive the service even if a card number and a password are not input separately, and the person who does not have the portable terminal 100. No service is provided. The information processing apparatus controls a series of operations related to such a financial settlement service. The processed data and the data processing process are displayed on the display device 120. The display device is composed of a flat panel display device such as a liquid crystal display (LCD) device.

4A and 4B are front and rear views schematically showing the appearance of a portable terminal according to an embodiment of the present invention. Referring to FIG. 4A, the portable terminal 100 includes an antenna 110, a display device 120, and a keypad 130. The appearance of the portable terminal 100 is the same as a general portable terminal. However, as shown in FIG. 4B, the portable terminal 100 according to an embodiment of the present invention has an IC card contact portion 220 in which an IC chip is embedded on either side of the portable terminal 100. When the IC card contact portion 220 is brought close to the IC card reader, the IC card reader recognizes the IC card and processes data for financial settlement. The IC card provided in the portable terminal! 00 may perform a function of a credit card, a debit card, a prepaid card or a transportation card according to a programmed state.

5 is a front view briefly showing the appearance of a portable terminal according to another embodiment of the present invention. Referring to FIG. 5, the portable terminal 100a includes an antenna 110a, a display device 120a, and a keypad 130a. The portable terminal 100a is the same as the portable terminal illustrated in FIG. 4A except that the IC card contact portion 220a is separately provided under the terminal.

However, the portable terminal 100 shown in FIGS. 4A and 4B is a contactless system with a contactless IC card, whereas the portable terminal 100a shown in FIG. 5 is a contact system with a contact IC card. to be. The IC card contact portion 220a of the portable terminal 100a contacts the contact type IC card reader to perform input / output of wired data between the portable terminal 100a and the IC card reader.

6 is a block diagram schematically illustrating a portable terminal and an electronic banking service provided to the portable terminal according to the present invention. Referring to FIG. 6, the portable terminal 100 according to the present invention may be used as a financial settlement means through a contactless or contact card reader 600, and at the same time bidirectionally communicates with the electronic financial settlement system 500 by wireless communication. By performing the above, various electronic financial services (ie, phone banking services through a portable terminal), such as electric payment, may be provided.

The IC card included in the portable terminal 100 according to the present invention is stored in a medium having a hardware form, and can safely store a large amount of data using an IC chip. In addition, data can be inputted and outputted so that payment and output of the money can be performed at the same time. Since the IC card is physically more secure in the offline form, and there is less risk of hacking through the network, the portable terminal can be used safely as a payment means of Internet commerce.

After paying for the purchased item, it is possible to search the details used through the above financial settlement service. In addition, when remitting or transferring other payments, a phone banking service that can be performed remotely through wireless communication between the portable terminal 100 and the electronic financial settlement system 500 is possible. This is only possible for the user who owns the portable terminal as described above, and there is no risk of having the password or the like stolen by another person.

As described above, the portable terminal according to the present invention stores all the information on the IC card and the IC card therein, and wirelessly with the electronic banking payment system 500 to query the phone banking service or the IC card usage history, etc. When connected, information about the IC card is transmitted to confirm the identity of the user, so that the financial related service can only be received by the user having the portable terminal. Therefore, it is possible to prevent the risk of the information being stolen by the other person on the IC card of the user.

In the above, the configuration and operation of the circuit according to the present invention are shown in accordance with the above description and drawings, but this is merely described, for example, and various changes and modifications are possible without departing from the spirit of the present invention. .

According to the present invention as described above, it is possible to more conveniently provide and use an IC card which is a means of money now, and to provide various services associated with the IC card to the user more conveniently.

Claims (11)

In a portable terminal performing mobile communication: A portable terminal circuit for performing mobile communication; An IC card used as a currency payment means; Memory means connected to said IC card for storing information about said IC card; The information about the IC card stored in the memory means is transmitted through the mobile communication means in order to be wirelessly provided with a plurality of services provided for the IC card, connected to the mobile communication means and the memory means. Information processing means for controlling to; And And a display means connected to said information processing means for displaying a situation in which said service is provided and a service result. The method of claim 1, And the IC card is any one of a credit card, a debit card, a prepaid card, and a transportation card. The method of claim 1, The IC card is a mobile communication terminal combined with a monetary payment means, characterized in that the card, credit card, debit card, prepaid card, transportation card functions of all integrated into one. The method of claim 1, The IC card is a mobile communication terminal combined with a currency payment means, characterized in that the contactless card. The method of claim 1, And the IC card is a contact card having an IC card contact portion in contact with a contact IC card reader on one side of the portable terminal. The method of claim 1, And said display device is a flat panel display device comprising a liquid crystal display (LCD) device. The method of claim 1, And the information on the IC card comprises an IC card number and an IC card password. In the service method for a portable terminal combined with a currency payment means: Accessing an electronic banking settlement system that manages electronic banking business through the portable terminal; Confirming that the user is a user by transmitting information about a currency payment means included in the portable terminal to the electronic financial settlement system; Selecting any one of a plurality of electronic financial services supported by the electronic financial settlement system; Transmitting information on the money payment means stored in the mobile communication terminal to the electronic financial settlement system; And And displaying a result of an electronic banking service transmitted from the electronic banking payment system on a display device. The method of claim 8, The electronic banking service, Service method for a mobile communication terminal combined with a currency payment means characterized in that it comprises a service history inquiry, credit rating inquiry service of the money payment means. The method of claim 8, The electronic banking service, A service method for a mobile communication terminal combined with a monetary payment means comprising a phone banking service capable of transferring or transferring money. The method of claim 8, And the portable terminal performs a wireless two-way communication to receive the electronic banking payment system and the electronic banking service.