KR20020063344A - Method for using IC card over the mobile phone with card slot - Google Patents

Abstract

PURPOSE: A method for using an IC card using a portable phone comprising slots to install cards is provided to carry out the payment or charging of IC card money data by wireless using a portable phone equipped with a device to install and read a UIM(User Identification Module) card storing user information and an IC card storing financial information. CONSTITUTION: In case that the use of an IC card is required due to online goods purchase, smart card charging, etc., a user inserts a UIM card and an IC card into the card slots of a portable phone. Then, if the user selects the initiation of the use of the IC card(S200), a card reader, located at the card slots, reads the user information of the UIM card and the financial information of the IC card(S210,S220). The control unit of the portable phone receives a password from the user, compares it with the user information and the financial information, and outputs whether card usage is allowable. In case that permission for card usage is made, a card type is selected automatically or manually(S230) and the process of settlement or charging is carried out(S240-S270). Also the transaction details by settlement or charging are stored in the memory of the portable phone(S280).

Description

Method for using IC card over the mobile phone with card slot}

The present invention relates to a method of using an IC card (prepaid card, debit card, transportation card, electronic money, cash card, securities card) using a mobile phone equipped with a card mounting slot, in particular the UIM card and financial information is stored personal information The present invention relates to a method of using an IC card using a mobile phone provided with a card mounting slot for payment of an IC card amount using a mobile phone having a device capable of mounting and reading a stored IC card.

In general, in order to use an IC card, a dedicated card terminal installed in a store, or online transactions, at the risk of information leakage, the user had to enter information such as card number, expiration date and password. In addition, in order to charge the existing rechargeable IC card (for example, prepaid card, electronic money, transportation card), the user had to go directly to the designated charging point. In order to improve this, there is a method of connecting an IC card charging terminal to a computer and charging the IC card by accessing a bank server through an internet network. There is a problem.

In the prior art to improve this point, Korean Patent Laid-Open Publication No. 1998-24608 inserts an IC card to be used for payment into an IC card slot provided in a mobile phone terminal and sends a payment start signal to a service equipment wirelessly by a user's button operation. , The approval number is provided from the service equipment to the mobile phone terminal, the payment is completed when the user enters the provided approval number, and the amount paid to the service equipment is collected by the IC card inserted in the mobile device terminal of the service equipment installer. In this case, compare the unique number of the IC card installed in the service equipment with the unique number of the user's IC card.If it is wrong, the fee is transferred from the user IC card to the IC card of the service equipment. A system is described where payment is made to a card. This has the advantage that there is no need to insert the IC card directly into the service equipment, but since the user authentication only sends an authorization number to the mobile phone terminal and re-enters it, there is a problem that prevents unauthorized users from using the IC card. have. In addition, there is a problem that the charge to the IC card also can not be used to charge a general smart card because the IC card in the IC card instead of the IC card in the account.

In another conventional technique, Japanese Patent Application Laid-open No. Hei 10-143570 provides an IC card slot such as a credit card, a debit card, or a smart card in a mobile communication terminal such as a mobile phone, and inserts the IC card into the slot at the time of payment. Access the card issuer information center, check the card information stored on the IC card, enter payment information (store information, amount), and enter the code number of the user and the code number of the user stored in the card issuer information center. When the authentication is completed by determining whether it is the same, a method is described in which a card slip is optionally issued and payment is completed. This relates to a method of delivering personal information for user authentication, and has the convenience of removing complexity associated with card payment by inquiring whether a credit transaction is authenticated to a card issuer information center automatically by a mobile phone at the time of payment. However, it is only effective for user authentication and payment, and still requires input of personal information (delivery address, contact information, etc.) during an online transaction, and there is a problem in that the smart card cannot be charged.

An object of the present invention for solving the above problems is to wirelessly pay and charge the IC card amount using a mobile phone equipped with a device capable of mounting and reading the UIM card is stored personal information and the IC card is stored financial information The present invention provides a method of using an IC card using a mobile phone equipped with a card mounting slot for providing statistical data on transaction details, without having to input additional personal information when purchasing a product online.

1 is a block diagram schematically showing the configuration of a payment system according to the present invention.

Figure 2 is a flow chart showing the entire process of the IC card using method according to the present invention.

Figure 3 is a flow chart showing the step of reading a personal identification number and personal information in the UIM card according to the present invention.

4 is a flowchart showing steps of reading IC card information according to the present invention.

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

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

7 is a flowchart illustrating a charging process of a smart card according to the present invention.

<Description of Symbols for Major Parts of Drawings>

10: cell phone 11: UIM card

12: IC card 20: mobile communication base station

30: carrier 40: Internet

50: card issuer 60: financial institutions

70: shopping mall

A feature of the present invention for achieving the above object is to read the personal identification information and password from the UIM card inserted in the UIM card slot, compare with the password entered by the user, and if the personal information of the personal identification information and UIM card Storing step; Reading the IC card personal information from the IC card inserted into the IC card slot, comparing the personal card information with the personal information of the UIM card, and storing the IC card information if there is a match; Receiving payment approval from a card issuer or a financial institution through the UIM card information and IC card information to make a payment; In the method of using an IC card using a mobile phone provided with a card mounting slot comprising the step of storing the transaction history in the memory of the mobile phone.

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 a payment system according to the present invention, which comprises a mobile phone 10, a mobile communication company 30, a card issuer 50, a financial institution 60, a shopping mall 70.

The mobile phone 10 is a mobile phone having a device (slot) capable of mounting and reading the UIM card 11 and the IC card 12. The mobile phone 10 is connected to the Internet and the personal information of the cards read out by wireless communication. And the financial information and the card is authorized to play the role of payment or charging the inserted IC card 12 amount. The user identification module (UIM) card 11 records a personal identification number (PIN), a password, and personal information such as a user name, address, and contact information. It may be mounted in a mobile phone in the form of a chip. Hereinafter, the UIM will be described as a card form. The IC card 12 refers to a credit card, debit card, smart card, etc. Here, the smart card is provided with a microprocessor and a memory in the IC card, such as electronic money or transportation card, to store and update the money information. Say possible cards.

The mobile telecommunication company 30 enables the mobile phone 10 connected to the mobile communication base station 20 to be wirelessly connected to the Internet 40, and the amount of the smart card inserted into the mobile phone 10 by the user's affiliated financial institution ( In conjunction with 60).

The card issuer 50 and the financial institution 60 are payment systems that function to approve payment, charge, etc. of the IC card 12 amount.

The shopping mall 70 is a merchandise sales system that enables online purchases and payments. The shopping mall 70 is authenticated by the card issuer 50 in the case of a credit card according to the use card information transmitted from a user, and in the case of a debit card, a corresponding financial institution ( 60), the smart card compares the balance remaining in the card, and if necessary, completes the payment and sends the purchased item to the address address read and transmitted from the UIM card 11.

2 is a flowchart illustrating the entire process of the IC card using method according to the present invention.

If the IC card 12 needs to be used for online product purchase, smart card charging, etc., insert the UIM card 11 and the IC card 12 into the card slot of the mobile phone 10, and operate the IC card by operating the appropriate mobile phone button. (12) Select start of use (S200). Then, the personal information of the UIM card 11 and the financial information of the IC card 12 are read by the card reader located in the card slot of the mobile phone (S210, S220), and the controller of the mobile phone 10 inputs the user's password. It outputs whether or not to use the card compared to the personal information, financial information. If the card is licensed, the card type is selected manually or automatically (S230) and goes through the payment or charging process (S240 ~ S270), and the payment flow (transaction history) by payment and charging is stored in the memory of the mobile phone ( S280) is then output to the user through the statistical process by a specific program embedded in the mobile phone.

3 is a flowchart illustrating a step of reading a personal identification number and personal information in the UIM card according to the present invention, which will be described in more detail with reference to step S210 of FIG.

The control unit of the mobile phone requests the card insertion information to know whether the card is correctly inserted into the UIM card reader, and determines whether the card is properly inserted through the card insertion information sent from the UIM card reader (S300). The card insertion failure process (S310) is performed with the message " Please insert it again ", and if it is properly inserted, a personal identification information (PIN) and a password are requested to the UIM card reader. The UIM card reader reads the personal identification information and the password stored in the inserted UIM card memory and transmits it to the mobile phone controller. When the transmission is completed, the controller requests the user's password. The password input from the user is compared with the password read from the UIM card (S320), and if it does not match, error processing (S330) such as a password re-entry request is performed. If the password matches, the personal information stored in the UIM card is read through the UIM card reader, and stored together with the personal identification number in the memory of the mobile phone (S340).

FIG. 4 is a flowchart showing the steps of reading IC card information according to the present invention, which describes step S220 of FIG. 2 in detail.

The control unit of the mobile phone determines whether the IC card is inserted in the same manner as in the UIM card insertion determination process of FIG. 3 (S400), and if it is properly inserted, requests the information of the IC card from the IC card reader and sends the related information to the memory of the IC card. Read from Then, it is determined whether the personal information of the read IC card and the personal information of the UIM card read through the process of FIG. 3 are matched (S420). If not, the card is disabled (S430). The card information is stored in the memory of the mobile phone (S440).

FIG. 5 is a flowchart illustrating a payment process using a credit card according to the present invention. In FIG. 2, when a credit card is used for payment, a payment step S270 is shown.

When the shopping mall 70 sends a payment start instruction, the user inputs a purchase amount and performs a payment operation. Then, the credit card information and authentication information stored in the memory of the mobile phone is transmitted to the shopping mall 70 through the process of FIG. 4, the shopping mall 70 requests credit inquiry from the card issuer 50, and the approval is made. If the payment is completed, and the payment confirmation message is sent to the mobile phone, the mobile phone outputs a payment confirmation message to the user. At this time, the information such as the product delivery address will be easier if you use a method that does not require the user's manual input by automatically transmitting the personal information stored in the memory to the shopping mall through the process of FIG.

FIG. 6 is a flowchart illustrating a payment process using a debit card according to the present invention. In FIG.

The user who received the payment start instruction from the shopping mall 70 inputs a purchase amount and performs a payment operation. Then, the mobile phone transmits the debit card information and the authentication information stored in the memory of the mobile phone to the shopping mall 70 through the process of FIG. 4, and the shopping mall 70 registers the balance information and balance information with the financial institution 60. To request, the shopping mall 70 compares the balance of the financial institution and the payment amount (S600) and if the balance is insufficient, the payment failure processing (S610), if the balance is more than the payment amount to the financial institution 60 The payment request is made, and when the payment is completed, the payment confirmation message is transmitted to the mobile phone to be output to the user.

This process applies not only to the debit card but also to the smart card, except that the balance information is not directly received from the financial institution 60, but is directly received through the mobile phone 10 in the smart card. The process of updating and storing the amount of the card writer's gas mart card minus the corresponding purchase amount in the memory of the smart card is different.

7 is a flowchart illustrating a charging process of a smart card (traffic card, prepaid card) according to the present invention, showing the smart card charging step (S250) of FIG.

The charging system of the mobile communication company 30 that receives the user's smart card charging request instructs the mobile phone 10 to start charging, and the user sends the desired charge amount, the subscribing financial institution, account information and authentication information to the mobile communication company 30. To send. The mobile communication company requests the balance inquiry by accessing the financial institution 60 using the received information, and the financial institution 60 transmits the balance information of the corresponding account. The charging system of the mobile communication company 30 compares the balance with the desired charge amount input by the user (S700), if the balance is insufficient, fails to charge the charge (S710), and if the balance is greater than the charge amount, the financial institution (60). Request a charge, such as a bank transfer request, and sends a charge confirmation message to the mobile phone 10 when the request is accepted. Receiving the charge confirmation message, the mobile phone 10 updates the balance information of the smart card memory inserted through the IC card writer to the sum of the charge amounts, and outputs a charge confirmation message to the user. In this case, as described above, if the subscribing financial institution and account information are stored in the UIM card, the subscribing financial institution and account information may be automatically transmitted to the mobile communication company so that the user does not need manual input. In addition, the charged smart card can be used not only online (On-line) but also offline (Off-line).

As described above, according to the present invention, since the IC card is charged through the portable terminal, the IC card can be charged regardless of time and place. In addition, it is possible to selectively use a card (prepaid card, debit card, transportation card, electronic money, cash card, securities card) that can be paid at the time of online payment. In addition, since personal information such as name, address, and phone number are stored in the UIM card, the user does not need to manually input personal information such as a product receiving address, and the UIM card information, IC card information, and the information entered by the user. Since authentication is performed through a password, it is possible to prevent the risk of fraud due to card loss or mobile phone loss.

Claims (6)

In the method of using an IC card using a mobile phone provided with a card mounting slot, Reading personal identification information and a password from a UIM card inserted into a UIM card slot, comparing the password with a user input, and if there is a match, storing the personal identification information and the personal information of the UIM card; Reading the IC card personal information from the IC card inserted into the IC card slot, comparing the personal card information with the personal information of the UIM card, and storing the IC card information if there is a match; Receiving payment approval from a card issuer or a financial institution through the UIM card information and IC card information to make a payment; The method of using an IC card using a mobile phone provided with a card mounting slot comprising the step of storing the transaction history in the memory of the mobile phone. The method of claim 1, wherein the UIM card is in the form of a chip that can be mounted in a mobile phone. The method of claim 1, further comprising the step of charging an amount when the IC card is a smart card. The method of claim 1, wherein the IC card is a prepaid card, a debit card, a traffic card, an electronic money, a cash card, a security card. The method of claim 1, wherein the payment is for purchasing a purchase price of various goods or services. The method of claim 1, wherein the payment step is performed by automatically inputting information of the UIM card.