KR200249783Y1 - The wireless terminal adapted for multi commbi-card and bluetooth chip - Google Patents

Abstract

The present invention incorporates an electronic chip using a high frequency and a low frequency in a wireless mobile communication terminal to charge the amount of the electronic chip, or a wireless mobile communication terminal with a built-in multi-application smart card chip to facilitate billing It relates to the contents of 'Patent No. 0275419 (Payment payment system using a wireless mobile communication network)'.

Description

The wireless terminal adapted for multi commbi-card and bluetooth chip}

The present invention relates to a mobile communication terminal with a built-in multi-combi card and Bluetooth chip.

Mobile communication terminal for wireless electronic financial settlement (hereinafter referred to as 'wireless electronic payment terminal') is a Bluetooth wireless LAN chip using 2.4 GHz band and a proximity RF-IC (RF-IC) using 13.56 MHz band. ) It refers to a form in which a chip is embedded in a wireless mobile communication terminal.

The Bluetooth chip embedded in the wireless electronic payment terminal is connected to the electronic financial settlement system at a short distance (within 100 m) through a microstrip antenna to send and receive user authentication and transaction details, and to provide various functions of the electronic payment terminal. Send and receive user authentication codes and personal information using buttons.

In addition, the non-contact electronic chip transmits and receives information according to the charging protocol while communicating with a short-range (within 10 cm) reading device through a loop antenna like a transportation fee payment device. In addition to the simple billing method, it is composed of a wireless mobile communication terminal that can securely use electronic commerce with security for transmission data of a short range communication method.

'Wireless Electronic Payment Terminal' with Bluetooth wireless LAN chip and proximity RF-IC chip is provided with credit card and transportation card function, and credit card is authenticated online. It works similarly and can be used as an example of a traffic card where authentication is performed offline. If necessary, the online configuration using the 'wireless electronic payment terminal' enables the use of services such as electronic money charging, electronic financial payment, and user authentication download.In the offline state, payments are made with electronic money charged in the combi chip. Because it can be made, you can easily pay all the usage fee with the 'wireless electronic payment terminal' with a multi-combi card function.

Built-in Bluetooth chip and proximity RF-IC chip in 'wireless electronic payment terminal' enables offline payment payment such as credit card and transportation card and electronic financial settlement service online. . In addition, it contributes to the establishment of credit transactions by preventing card theft by others, which can be caused by the loss of various cards such as credit cards and transportation cards, and makes payment and charge of electronic money convenient. It provides the effect of expanding the field.

Currently, based on the development of the information and telecommunications industry, debit cards, credit cards, transportation cards, and smart cards with both transportation and credit card functions are used as payment methods, and the amount of money charged to the card without cash or ticket ( A variety of payment services are provided to settle payments in credit accounts in the form of currency) and postpay.

Smart cards used for this purpose are largely divided into contact cards, contactless cards, hybrid cards, and combination cards (dual interface cards) according to the interface method.

A contact card is a card that requires physical contact with a reader to obtain power and clock signals for the operation of the chip. The configured microprocessor obtains sufficient power to process complex cryptographic algorithms through physical contact with the interface device. This card is used for security-critical applications such as financial applications such as electronic money or network connections.

Non-contact cards can fail in chip contact due to damage to the gold contact points due to inadvertent handling of the contact card, while avoiding physical contact with the card reader, leaving the card at a distance instead of inserting it into the reader. Because it works, there are no problems with using contact cards.

The contactless card has an antenna in the card instead of a contact point, so that not only communication with the reader but also power is provided, for example, a conventional chargeable transportation card chip.

RF-IC chips used in this way are powered by capacitive coupling in the case of close coupling and inductive coupling in the case of remote coupling. Electromagnetic induction works on the principle of a transformer in which one coil generates a current in another coil. The transmit frequency is generally AM modulated at 13.565 MHz. The chip can transmit a data signal by changing the resistance, which the card reader reads and interprets as a data signal. Since writing to a card usually requires 10 times more power, the proximity distance is reduced to about 10 cm for electro-inductive cards and a few millimeters for electrostatic coupling. When the user passes by the reader, the data transfer is limited to hundreds of bytes because the time given to complete the transaction is very short, about 200 ms. Therefore, these cards are suitable for single applications that require faster transaction throughput than contact cards, such as toll cards or access control.

A hybrid card is a card in which different types of cards are implemented in a single card to include a magnetic strip and the like, and generally refers to a card having both a contact and a contactless interface. The contact interface is used by the microprocessor chip module and the contactless interface is used by the memory chip module. There is no physical connection between the two chips, which makes memory sharing impossible.

Combi (dual interface) cards also have contact and contactless surfaces, but the two interfaces are connected and access a single shared data area through a microprocessor or logic module. The contact surface is always controlled by the microprocessor, and the shared data area can be controlled by the microprocessor or logic module. Such a card has one processor chip that can be operated through both contact and contactless I / O ports, for example, the loading of the wallet can only be done through the contact side and the micro-expenditure can be through either port. This has the advantage of being possible.

In order to use such a smart card as a payment or payment method, and to reuse a transportation card (proximity RF-IC chip), which is a simple transportation fee payment card, it is necessary to visit a card charging station to charge a fee. It is inconvenient, and there are disadvantages in that it is impossible to recover the amount when it is lost, and credit card or multi-card that is used for payment when purchasing a general product must be signed on the payment slip every time the card is stolen by another person and the payment is made. There was a hassle.

In addition, the traffic card is applied to the tunnel fee payment and the city expressway, but there is a disadvantage such as congestion of the toll gate because the card must be correctly contacted to the reader within about 10 cm.

Therefore, the present invention solves the difficulty of using a transportation card and a credit card as various payment means as described above, and enables various electronic financial settlements even in online and offline states, as well as electronic money through user authentication and security algorithms. Patent No. 0275419, which is a combination of a contact card and a contactless card for realizing the concept to a wireless mobile communication terminal, is charged or charged with a proximity RF-IC card. The purpose of the present invention is to provide a technique to compensate for the problems of proximity payment and charge charging, in which a proximity RF-IC (RF-IC) card has to close the card within about 10 cm.

That is, the present invention incorporates a Bluetooth wireless LAN chip into a wireless mobile communication terminal including an IMT-2000 to allow electronic financial settlement by a short-range communication method and wirelessly move to use a near-field and near-field contactless card. Its purpose is to provide an electronic payment device using a communication terminal and a wireless communication network.

It is another object of the present invention to provide an electronic banking payment technology that can be combined with an on-line and off-line method by interworking with a wireless mobile terminal using a proximity card and a near-field wireless LAN chip.

The present invention for achieving the above object has a smart form and secures the security and security of electronic payment by a combination card easy to multi-interface, and the electronic payment is online and offline by combining Bluetooth wireless chip In addition, the interface method and the electronic banking payment method for enabling the electronic payment means by the proximity (RF-IC) method of the electronic money amount charged by the wireless mobile communication network and the mobile communication terminal to be realized.

In the present invention for achieving the above object, even when the transmission path between the wireless electronic payment terminal and the wireless communication network is offline, the electronic money charging, electronic money charging cancellation, suspension of use, termination of use, personal information update and the user of the wireless electronic payment terminal It is based on the premise of providing information services such as transaction history authentication and payment amount confirmation, money transfer, password security, electronic money balance check, credit information inquiry, and account inquiry by function button operation.

In order to achieve the above object, the present invention integrates a wireless mobile communication terminal including a proximity card (RF-IC) chip and a near chip (Bluetooth chip) to which a contactless (wireless) method can be applied. It is characterized by the configuration.

1 is an exemplary diagram in which a multi-combi card is applied to a mobile phone.

2 is an exemplary view of a Bluetooth method according to FIG. 1.

3 is an exemplary diagram according to the signal flow of FIG. 2;

Figure 4 is an exemplary configuration according to the payment method and concept.

Explanation of symbols on the main parts of the drawings

10 ------ Wireless Terminal 20 ------ Merchant

30 ------ Wireless Network 40 ------ VAN System

50 ------ Financial Institutions

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

In general, there are various types of wireless mobile communication terminals such as video mobile phones (IMT-2000), PD (PDA), PCS (PCS), but the present invention will be described by taking a video mobile phone as an example.

1 is a block diagram of an apparatus for an embodiment of the present invention.

In FIG. 1, a video mobile phone 210 capable of converting a signal applied from a contactless card 220 including a combination chip 221 into a wireless transmission protocol by a microprocessor 211 of the cellular phone and transmitting the signal. The interface 212a capable of coupling signals between the card and the contactless card 220 and the loop antenna 223 connected to the combi chip 221 are mainly used for applying a proximity method as a means of paying a transportation fee. The strip antenna 222 is a component that allows the short-term billing and charging of electronic money, user authentication, and transmission and reception by introducing a wireless LAN method that can be adopted in the IMT-2000 terminal. It is composed of a wireless mobile communication terminal 210 combined with a short-range electronic payment method by the method and the short-range transmission method.

The video mobile phone 210 as a means for charging the user's desired amount with electronic money while online is connected to the additional service of the billing system through a wireless network, and deposits data and user authentication using the input key of the video mobile phone. As the information code for the transmission and reception is input to the combi chip 221, the corresponding amount in electronic money.

When the video mobile phone 210 is not connected to the wireless network, the ATM terminal or the cash using a wireless LAN method by a Bluetooth chip embedded in the video mobile phone 210 and interfaced to the combi chip 221. By connecting to a wireless LAN installed in a payment machine, a process such as billing and electronic money charging is performed.

The video cell phone 210 described above is a mobile communication terminal. In other words, it is a wired / wireless integrated information terminal, also known as IMT-2000, in which various additional communication services can be provided. Since the terminal can embed a User Identification Module (UIM), it is easy to authenticate users and wirelessly. Since the LAN chip can be embedded, it can be coupled to the Combi chip 221 as described above, but it is a system that can be used as a near field wireless payment means by combining with the interface 212b of the video mobile phone 210. .

The non-contact combination card 220 described above uses a combination chip 221 having a high frequency (RF) interface, and the electronic financial settlement of the proximity type is made through the loop antenna 223 used for the proximity card. In the case of the combination chip, as shown in FIG. 1, the micro strip antenna 222 is connected to another interface inside the combi chip so that the wireless LAN method using Bluetooth can be applied. Payment system is combined.

2 illustrates an example in which a wireless LAN chip is interfaced differently from the above-described technology, and may include a user identification module (UIM) port of a video mobile phone 210 or a radio frequency (RF) interface for a Bluetooth wireless LAN. Communication through the control of the microprocessor 211 of the video mobile phone 210 through the (212b) and is mainly applied to the electronic financial settlement method of the short-range communication method. At this time, the input and output information by the short-range communication method is converted into a protocol format controlled by the combi chip 221 via the interface 212a and linked with the wireless network of the video mobile phone 210, or a combination chip of the proximity electronic payment method Electronic payment communication is made while maintaining an online state in connection with the loop antenna 223 coupled to the 221.

As an example of the above-described technology, the online card payment device (card reader) of ATMs and card merchants installed in banks and convenience stores is an electronic payment method by a smart card contact method. As a method, when a wireless LAN chip is mounted on each device to allow wireless communication with the wireless LAN of the video mobile phone 210, electronic payment may be easily performed as in the online state.

The combi chip 221 of FIG. 1 uses a contact interface 303 having a physical connection structure with an input / output port or a video mobile phone 210, such as the combi card 300 of FIG. 3, and a wireless LAN scheme. Bluetooth high frequency (RF) interface 302 for physically connecting the microstrip antenna 222, and an RF (RF) interface for physically connecting to the proximity loop antenna 223, the CPU 304 interoperates with the microprocessor 211 of the video mobile phone 210 via the contact interface 303 based on the information on the authentication and security 305.

4 is a view for explaining an example of the electronic banking payment method using a wireless communication network according to the present invention.

As shown in FIG. 4, the user's credit inquiry and electronics are provided through the wireless terminal 10 as a means for the user to charge electronic money or to pay the usage fee from the wireless terminal 10 to the wireless network 30. To the VAN system 40 that can issue a use certificate related to the payment, the financial institution 50 that processes the financial transaction information of the VAN system 40, and a plurality of affiliated shops 20 that can pay with electronic money. It is composed.

The operation of another embodiment of the wireless electronic payment terminal using the multi-combi card method of the present invention configured as described above will be described.

Here, the detailed description of the same parts as in the above-described embodiment will be omitted, and the electronic money charging through the VAN system 40 and the financial institution 50 associated with the wireless mobile switching means 30 different from the embodiment will be omitted. In brief, the fee payment method and the fee settlement of the merchant 20 is as follows.

The wireless electronic payment terminal 10 of the embodiment is connected to the billing system of the VAN system 40 operator through the wireless mobile switching means 30 by a user menu and a function button. If the password is recognized through the method, the charge amount is charged to the wireless electronic payment terminal 10 after confirming the electronic money rechargeable amount by credit and cash transactions in the financial institution 50 account.

In addition, in the above-described embodiments and other embodiments, the wireless LAN function provided in the wireless electronic payment terminal 10 may be used within a predetermined distance by a wireless LAN installed in the ATM of the financial institution 50. It is possible to charge money, make electronic payments and transfer funds.

In addition, the wireless LAN (Bluetooth) mounted on the online card payment device (card reader) installed in the merchant and the wireless LAN (Bluetooth) of the wireless electronic payment terminal 10 is configured online by wireless, the same method as the contact card method It is possible to obtain a certification for payment by the user, and the electronic money payment by the user menu and the function button of the wireless electronic payment terminal 10, as well as wireless payment for the payment in the case of a simple fee. Offline electronic payment through a loop antenna 223 coupled to the electronic payment combination chip 221 is also possible.

Electronic credit settlement transactions made in a number of merchants 20, credit card merchants, vending machines, transportation, Internet e-commerce, etc. of the embodiment is transmitted to the VAN system 40, the electronic settlement transaction history is passed through the VAN system 40 Finally, the settlement amount is transferred to the trading account of the affiliated store 20 after being settled by the financial institution 50.

As described above, the present invention has an advantage that a wireless terminal can be used, and the electronic bill payment can be selectively used in a prepaid (offline) and postpaid (online) manner, and can be widely applied to various electronic commerce.

In addition, the present invention uses the mobility that the wireless terminal has, so as to provide the convenience as an electronic money payment means conveniently without time constraints, it also provides the effect of activating credit transactions.

In particular, the present invention has the effect of improving the reliability and security of the wireless electronic payment by applying authentication and personal password for each electronic financial settlement as a means of charging electronic money and transaction fees.

Claims (5)

A contactless card 220 including a combination chip 221 having a high frequency interface; The video mobile phone 210 that charges the amount of money desired by the user in an online state so that the signal applied from the contactless card 220 can be converted into a wireless transmission protocol by the microprocessor 211 of the cellular phone and transmitted. Interface 212a coupling a signal between the card and the contactless card 220; And Connected to the combi chip 221 is a wireless mobile communication terminal, characterized in that consisting of a micro strip antenna 222 for transmitting and receiving near-field billing and electronic money charging, user authentication, password by a wireless LAN method. According to claim 1, The video mobile phone 210 is connected to the additional service of the billing system through a wireless network, using the input key of the video mobile phone by transmitting and receiving data code and information code for the user authentication combination Wireless mobile terminal, characterized in that for inputting the corresponding amount to the electronic money in the chip (221). The method of claim 1, wherein the video mobile phone 210 is connected to a wireless LAN installed in an ATM terminal or an ATM using a wireless LAN method when the video mobile phone 210 is not connected to a wireless network. The Bluetooth chip (Bluetooth) is interfaced to the combi chip 221 so that the wireless mobile communication terminal, characterized in that embedded in the video mobile phone 210 The combi chip 221 of claim 1, wherein the combination chip 221 has a contact interface 303 having a physical connection structure with an input / output port or a video mobile phone 210, and a microstrip antenna 222 for applying a wireless LAN method. Bluetooth radio frequency (RF) interface (302) for physically connecting a) and RF (RF) interface for physically connecting to the proximity loop antenna (223). delete