KR100436824B1 - A device and a method of data reading and writing for smart card by using pcp - Google Patents

Abstract

The present invention allows the use of a smart card using a mobile phone used in the PCS mobile communication system, including a mobile phone having a data port for data communication integrally and mounting a smart card operating system; A serial port connected to a data port of the mobile phone for transmitting and receiving serial data; And wired connection with a corresponding contact point of a smart card inserted into a predetermined corresponding slot, and reads out the stored amount data recorded in the smart card and outputs it to the serial port, and outputs the amount data inputted from the serial port to the corresponding contact point of the smart card. It can be used as a cash substitute regardless of the place by configuring a card matching device comprising a data processing unit for recording and storing the data on a smart card by allowing the card to be charged or deleted using a PCS mobile phone.

Description

Smart card reading and writing device using mobile phone and its operation method {A DEVICE AND A METHOD OF DATA READING AND WRITING FOR SMART CARD BY USING PCP}

The present invention enables the use of a smart card using a mobile phone connected to a PCS mobile communication system. In particular, the present invention relates to reading or writing data stored in a smart card anywhere by wireless connection. will be.

The smart card is issued by a bank or professional smart card company, deposits cash in the bank or card issuer, and records and stores the data corresponding to the deposited amount in the smart card. Using the amount recorded and stored as data, it is possible to buy goods or provide services for necessary services.

When the goods, goods or services are provided as described above, payment is made by reading the deposit data of the smart card by the supplier or the user and deducting or deleting the amount data corresponding to the provided goods or services from the smart card. The amount of the payment, which is settled above, is to be deposited into a designated account or to be paid in cash from a bank or card company.

Such a smart card has a related circuit composed of an ultra-thin integrated circuit (IC) therein and is capable of recording, storing, reading and deleting the data as described above. The mobile phone is equipped with a data port for data communication, and fax, booster and computer devices can be connected to the data port as described above for fax communication, hand-free communication, Internet communication or data communication. An operating system program is implemented.

Hereinafter, a smart card reading / writing method according to the related art will be described with reference to the accompanying drawings.

1 is a functional block diagram of a system for reading and writing a smart card according to the prior art.

Referring to the above drawings, a system for reading and writing a smart card according to the prior art includes: a smart card 10 capable of recording, storing or reading and deleting related data corresponding to a predetermined amount of money;

A card terminal 20 having a function of recording, storing, reading, and deleting data corresponding to a predetermined amount of money in the smart card 10, the card terminal 20 connected to the public telephone network 40 through a wired line 30;

A public telephone network 40 connected to a plurality of card terminals 20 and a wired line 30, and having a function of interconnecting corresponding paths;

Issuing the smart card 10, the corresponding data is recorded and stored in the smart card 10 by the deposit amount, and the corresponding from the smart card in exchange for providing services to the holder of the smart card 10 After the data is read and deleted, the bank 50 or the card company 55 specializing in smart cards, which pays the deleted amount to the service provider or the user, is configured.

Hereinafter, a system for reading / writing a smart card according to the prior art having the above configuration will be described in detail with reference to the accompanying drawings.

The card terminal 20 is wired one by one to a company that provides a product or a company that provides a service, if the person with the smart card 10 receives a service such as goods or services In this case, the holder makes a payment using the smart card 10. The service provider is installed by wire connection through the public telephone network 40, and the bank 50 or the card company 55 By connecting the smart card 10 to the connected card terminal 20, the corresponding data of the recorded amount of money is read, the amount of data corresponding to the price of the provided service is subtracted or deleted from the smart card 10, and the wired The deleted amount data is notified by transmitting to the bank 50 or the card company 55 via the public telephone network 40, or, for example, the deleted amount day. To the bank 50 or the card company 55 at a predetermined time period after accumulating and storing the data continuously in a separate allocated place in the card terminal 20 for a predetermined time.

The bank 50 or the card company 55 processes the amount data authorized by the service provider and pays the service fee to the service provider, thereby completing the payment. It can be used instead of currency.

In addition, when the user of the smart card 10 has used all the amounts recorded and stored as data, after depositing the bank 50 or the card company 55, which is the card issuer, by way of example, online, etc. By receiving the data of the corresponding amount of money through the wired-connected card terminal 20, it is possible to renew the charge of the available amount.

However, the use of the smart card 10 according to the prior art as described above, the card terminal 20 can be used only in the establishment equipped with the wire line 30, through the wire line 30 as described above In order to install the card terminal 20, it is necessary to use a telephone line or a dedicated line, so there are problems such as a line facility cost and maintenance cost, and a certain time for the facility.

In addition, even in the case of the user of the smart card 10, in order to receive and charge data corresponding to the available amount of money, there is a problem in that the card terminal 20 is located in a wired connection.

The present invention wirelessly connects to a bank or card company that issued a smart card using a PCS mobile phone, thereby transferring payment data for increasing the use of the smart card while paying for the service quickly. It is an object of the present invention to provide a device and an operation method for receiving and renewing charging.

According to an aspect of the present invention, there is provided a mobile phone for use in a mobile communication system for personal communication, comprising: a mobile phone having a data port for data communication and having a smart card operating system; A serial port connected to a data port of the mobile phone for transmitting and receiving serial data; And wired connection with a corresponding contact point of a smart card inserted into a corresponding slot, and outputs the read amount data recorded in the smart card to the serial port, and outputs the amount data input from the serial port to the corresponding contact point of the smart card. It is characterized by consisting of; card matcher consisting of a data processing unit for recording and storing in a smart card by humans.

In addition, the present invention, the connection determination step of determining whether the serial port of the card matching device is connected to the data port by the main control unit of the mobile phone; In the above step, when the serial port is connected to the data port, the determination step of determining whether the contact of the smart card inserted into the corresponding slot of the main controller of the mobile phone and the contact of the data processing unit is wired contact; In the above step, if the smart card is inserted and wired contact, the charging judgment step of determining whether to delete as much as the charge or the recorded amount data to record and update the new data; If it is determined that the charging step in the charging determination step, the main control unit of the mobile phone is connected to the bank or card company that provides a smart card service by the operating system through a personal communication mobile communication system; A request step of transmitting the corresponding unique number and the charge request amount data of the smart card holder when connected by the above step; The bank or card company authorized the request is analyzed by analyzing the user's unique number and the allowable limit of the holder, and then transmitting the charging data to the mobile phone by the approval to the mobile phone; The mobile phone is a recording step of recording and storing in the smart card by applying the charging data for the charge from the bank or card company to the data processing unit; When it is determined that the service fee is paid for the service provided in the charging judgment step, the mobile terminal may access the bank or card company providing the smart card service to provide data related to the service provider's unique number and payment amount. A second connection step of transmitting; A deletion step of, when connected by the above step, the amount data recorded in the smart card by the holder's keypad input is deleted under the control of an operation program; And a step of transmitting, to the card company, the use amount data deleted from the smart card and the unique number of the service provider under the control of the operation program.

1 is a functional block diagram of a system for reading and writing a smart card according to the prior art,

2 is a functional block diagram of a mobile phone device for reading / writing a smart card according to the present invention;

3 is a flowchart of a method of reading / writing a smart card using a mobile phone according to the present invention.

** Explanation of symbols on the main parts of the drawing **

10: smart card 20: card terminal

30,35: Track 40: Public telephone network

50: Bank 55: Card Maker

60: cell phone 65: data port

70: card matcher 75: serial port

77: data processing unit 80: PCS operators

Hereinafter, an apparatus and method for reading / writing a smart card using a mobile phone according to the present invention will be described with reference to the accompanying drawings.

2 is a functional block diagram of a mobile phone device for reading / writing a smart card according to the present invention, and FIG. 3 is a reading / reading of a smart card using a mobile phone according to the present invention. It is a flowchart of how to write.

Referring to the accompanying drawings, according to the present invention, a device for reading / writing a smart card using a mobile phone is a data port 65 for data communication in a personal communication (PCS) mobile communication system. It includes a mobile phone 60 having a) and integrally equipped with a smart card operating system (OS: OPERATING SYSTEM).

In addition, the present invention is connected to the data port 65 of the mobile phone 60 serial port 75 for transmitting and receiving serial data; Wired connection with the corresponding contact point of the smart card 10 inserted into the corresponding slot, read and output the amount data recorded in the smart card 10 to the serial port 75, input from the serial port 75 And a card matcher 70 made up of a data processing unit 77 for recording and storing the data on the smart card 10 by applying the amount of money data to the corresponding contact point of the smart card 10. The smart card 10 is a magnetic card 10. More information or data can be updated than a tape type card, and in the present invention, the smart card 10 is used to pay for a service, and the smart card 10 is an operating program or operating system for the mobile phone 60. The two programs are stored and operated by the programs, and the data port 65 is basically configured in a general mobile phone.

The operation method of reading / writing the smart card 10 using the mobile phone 60 using the system described above is performed to the data port 65 provided in the mobile phone 60 by monitoring the main control part of the mobile phone 60. A connection determination step (S10) of determining whether the serial port 75 of the card matcher 70 is connected;

If it is determined in step S10 that the serial port 75 of the card matcher 70 is connected to the data port 65 of the mobile phone 60, the main control unit of the mobile phone 60 is the card matcher 70. An incoming determination step (S20) of determining whether the smart card 10 is inserted into the corresponding slot and connected to the corresponding contact in a wired manner by analyzing a signal applied from the same;

If the smart card 10 is inserted into the data processing unit 77 and the corresponding contacts are wired to each other in step S20, the user may request that the new amount data be updated to the smart card 10 (UPEATE). A charging judgment step (S30) for determining whether to use the charging to record or to use the service by deleting the corresponding amount of data as much as the cost of receiving the service;

In the above charging determination step (S30), if it is determined by the holder request, and updated to the new value data in the smart card 10, and determined to be charged, the corresponding main control unit of the mobile phone 60 by the operation of the operating system The first connection step (S40) connected wirelessly with the PCS provider 80, connected to the bank 50 or the card company 55 that provides the charging service of the smart card 10 and the corresponding data communication Wow,

When connected to the bank 50 or the card company 55 by the above step (S40), the smart card 10 holder using the dial keyboard or keypad of the mobile phone 60, the smart card 10 holder Enter the corresponding unique number, the charge request amount, password, etc., the input data is processed by the corresponding operating system of the mobile phone 60 wirelessly through the PCS operator 80, the bank 50 or the card company Request step (S50) to send to 55,

The bank 50 or the card company 55, which has received the request in step S50, analyzes the holder's unique number and the charge request amount data, and the like, for example, whether the user is a registered user and the requested charge amount. After determining whether it is within the allowable limit, etc., if the holder's current balance amount is sufficient, an allowance step (S60) of transmitting the corresponding charging charge data for approving the charge request to the mobile phone 60;

The mobile phone 60 wirelessly receives the charging data for the charge input from the bank 50 or the card company 55 through the PCS service provider 80, and by the built-in smart card operating system program After the processing, the data is output through the data port 65 so as to be applied to the serial port 75 of the card matcher 70 connected to the data port 65. The card matcher 70 received through 75) records and stores the data by charging and depositing the charging data for the smart card 10 connected to the corresponding contact of the data processing unit 77 and storing the stored data (S70). Wow,

In the charging determination step (S30), by the user's request, recorded in the smart card 10 by the use of paying or paying for the cost of receiving the service, and deletes some of the amount of data from the stored amount of data If it is determined that the, the main control unit by the processing of the operating system of the mobile phone 60 to be wirelessly connected to the PCS provider 80. In addition, through the PCS provider 80 of the smart card 10 After accessing the bank 50 or the card company 55 that provides the service, the user or service provider enters the data, and transmits data such as a corresponding number, payment amount and password of the service provider. The second connection step (S80),

When connected to the bank 50 or the card company 55 providing the smart card 10 service by the step (S80), the mobile phone 60 is input by the user, and provides the payment amount and services By transmitting the same information as the unique number of one company to the PCS provider 80 by wireless, the bank 50 or card company 55 is transmitted, the bank 50 or card company 55 is As described above, the data inputted is analyzed and processed to allow the payment of the corresponding amount, which is the price of the service, and when the information of the processed result is transmitted to the PCS service provider 80, the PCS service provider 80 Is wirelessly transmitted to the mobile phone 60, and the mobile phone 60 transmits the payment data received from the bank 50 or the card company 55 by processing by the corresponding program of the smart card operator. Serial connected to 65) The card matcher 70 receives the card 75, and the card matcher 70 subtracts the paid amount data from the amount data recorded on the smart card 10 to the amount used by the user. Deletion step (S90) for deleting the corresponding amount data,

By the step (S90), the mobile phone 60 is deleted from the smart card 10, the data of the payment amount and the corresponding unique number of the service provider to the bank 50 or the card company 55 It consists of a transmission step (S100) for wireless transmission.

Hereinafter, with reference to the accompanying drawings, the technology of the present invention having the above configuration will be described in detail.

The company or user who recognizes the smart card 10 as a payment method, provides a service such as a product or a service, and collects a price for the service provided as described above, is a PCS service provider that provides a PCS mobile communication service (80). And a mobile phone 60 equipped with a smart card operating system, and wired connection with the smart card 10 to the mobile phone 60 to record and delete the corresponding data. ), The payment processing or the charging processing by the collection can be performed using the smart card 10 presented by the holder.

The mobile phone 60 has a predetermined operating system program for using the smart card 10 as a payment means for serial data communication, and is provided with a data port 65 which is a passive element. The device 70 includes a data processor 77 capable of recording the data on the smart card 10 or changing and deleting the recorded data, and transmitting and receiving the data through the serial port 75. Update or delete the amount data.

The mobile phone 60 determines whether the serial port 75 of the card matcher 70 is connected to the data port 65 by an operation program built therein. The determination result (S10) card When the matcher 70 is connected, it is determined whether the smart card 10 is retracted by analyzing a signal fed back whether the corresponding contact point of the smart card 10 and the data processing unit 77 are wired (S20). .

If it is determined that the smart card 10 is connected to the data processing unit 77 in the incoming determination step (S20), the cellular phone 60 uses the information inputted by the holder to display the amount data. It is determined whether or not to perform the charging process for updating and recording or to delete the recorded amount data by payment for the service provision (S30).

In the charging determination step (S30), if it is determined that the amount of data to charge the smart card 10, the mobile phone 60 to receive the service by the smart card 10 under the control of the program. The bank 50 or the card company 55 is connected via the PCS service provider 8 (S40). The mobile phone 60 is connected to the PCS service provider 80 wirelessly connected to the holder of the smart card 10. By transmitting the data of the corresponding unique number and the corresponding data, password, and so on, the corresponding data is transmitted to the bank 50 or the card company 55 connected through the PCS service provider 80. (S50)

The bank 50 or the card company 55 receiving the above data through the PCS service provider 80 searches for the corresponding account by analyzing the information based on the unique number of the holder, and asks for the amount or balance to be charged. If there is a corresponding balance, the PCS service provider 80 receives the relevant data to approve the holder's request, withdraw the amount from the account, and to charge the amount to the smart card 10. Wireless transmission to the mobile phone 60 through (S60).

The PCS mobile phone 60 wirelessly receiving the charge amount data signal of the smart card 10 from the PCS operator 80 analyzes and processes the received data under the control of an operating program, and converts the data into serial data. Thus, the serial port 75 is applied to the serial port 75 through the data port 65. The card matcher 70 charges the amount of money input as serial data through the serial port 75 connected to the data port 65. FIG. The data is applied to the data processor 77, and the data processor 77 records and stores the new amount of charge data in the smart card 10 (S70).

When using a service such as a product or a service using the smart card 10 charged as described above, the connection determination step (S10) and the acceptance determination step (S20) are performed by the company that provided the service. In the same way, in the charging determination step (S30) and wirelessly connected to the bank 50 or the card company 55 of the corresponding under the control of the operating program (S80), the amount of money for the service of the mobile phone ( 60), the data of the amount used from the smart card 10 is deleted by the operation program (S90), the corresponding unique number of the company that provided the service by the mobile phone 60, and deleted The amount of data is transmitted together (S100).

By receiving the data signal, the PCS provider 80 transmits the data to the bank 50 or the card company 55, so that the bank 50 or the card company 55 pays for the service. By proceeding so that the deposit can be processed to the designated account, the transaction of the present or settlement using the smart card 10 is completed.

Therefore, the card terminal 20 is installed using the wired line 30 as in the prior art, and a predetermined time is required for the facility, and the maintenance and maintenance of the wired line 30 and a fixed place at all times are necessary. You can solve the inconvenience.

According to the present invention by the above configuration, by using the PCS mobile phone can be deleted for charging or using the amount of data of the smart card, and is not limited to the installation place and the use place, smart regardless of place There is a diffusion effect that allows the card to be used.

In addition, by enabling the use of a smart card that does not use cash, there is an effect that can reduce the risk of loss or theft by bringing cash.

Claims (4)

In the mobile phone used in the mobile communication system for personal communication, A mobile phone having an integrated data port for data communication and mounted with a smart card operating system; A serial port connected to a data port of the mobile phone for transmitting and receiving serial data; And When the smart card is inserted into the corresponding slot, the amount data recorded and stored in the smart card is read and output through the serial port, and the amount data input through the serial port is applied to the corresponding contact point of the smart card. And a card matcher having a data processing unit for recording and storing data in the smart card. Smart card reading and writing device using a mobile phone, characterized in that for reading / writing the smart card using the mobile phone. According to claim 1, The serial port of the card matcher is a smart card reading and writing device using a mobile phone, characterized in that the coupling and release of the data port of the mobile phone is free. A connection determination step of determining whether the serial port of the card matching unit is connected to the data port by the main control unit of the mobile phone; A charging determination step of determining whether to delete as much as the amount of charge or the recorded amount data is recorded by updating and recording the new amount data when the smart card is received and contacted in the above step; A first connection step of connecting to a bank or a card company providing a smart card service through a mobile communication system for personal communication under the control of the main control unit of the mobile phone when it is determined that the battery is to be charged in the charging determination step; A request step of transmitting the corresponding unique number and the charge request amount data of the smart card holder when connected by the above step; The bank or card company that has been approved for the request determines the holder's unique number and the allowable limit, and then permits the mobile phone to transfer the charging data to the mobile phone according to the approval. And The mobile phone is a smart card reading and writing method comprising a; recording step of recording and storing the charge data for the charge from the bank or card company to the smart card through the data processing unit. The method of claim 3, wherein When it is determined that the service fee is paid for the service provided in the charging judgment step, the mobile terminal may access the bank or card company providing the smart card service to provide data related to the service provider's unique number and payment amount. A second connection step of transmitting; A deletion step of, when connected by the above step, the amount data recorded in the smart card by the holder's keypad input is deleted under the control of an operation program; And And transmitting the use amount data deleted from the smart card and the unique number of the service provider to the card company under the control of the operation program.