KR200294720Y1 - Mobile Telecommunication Terminal Having Multi Electronic Cash Function - Google Patents

Abstract

The present invention relates to a mobile communication terminal that can select and use a required electronic money among various types of electronic money, including a combination chip to which operating systems of a plurality of different types of electronic money are applied. The mobile communication terminal 1 of the present invention comprises: a combi chip 10 in which operating systems of various kinds of electronic money are programmed; An RF loop antenna 20 for transmitting electronic money payment information between the combi chip 10 and the electronic money reader R through contactless communication with the electronic money reader R corresponding to the electronic money; And by controlling the basic mobile communication functions and integrated operation of the electronic money of the combi chip 10, it is possible to select and use any electronic money of the various electronic money and to charge the mobile phone to the mobile communication A controller 30 programmed to run through; It includes. Preferably, the mobile communication terminal (1) of the present invention is the electron between the combi chip 10 and the electronic money reader (R) through the control of the controller 30 by a non-contact wireless communication with the electronic money reader (R) At least one module selected from the IR module 40 and the Bluetooth module 50 for transmitting currency payment information; It further includes, depending on whether the electronic money reader (R) is an RF electronic money reader (R1), IR electronic money reader (R2) or Bluetooth electronic money reader (R3) RF loop antenna 20, IR module 40 Alternatively, the electronic money may be used by selectively using the Bluetooth module 50.

Description

Mobile Telecommunication Terminal Having Multi Electronic Cash Function

(Technology)

The present invention relates to a mobile communication terminal, and more particularly, to a mobile communication terminal that can select and use a required electronic money among various types of electronic money by including a combination chip to which operating systems of a plurality of electronic money are applied. It is about.

(Background)

As information becomes more advanced, payment methods for various goods and services are also rapidly moving from traditional cash to credit cards and electronic money.

As is widely known, a credit card is a magnetic strip on which a customer's information, such as a card number and expiration date, is attached on the back of a plastic card. The credit card is read by contacting a credit card electronic money reader. Is a payment method that allows the purchase of goods or services to be used as a credit within a predetermined limit after checking the credit by transmitting the data to the central processing unit. Credit cards have the risk of financial accidents related to personal information leakage or security and are not suitable as a micropayment method.

On the other hand, electronic money that can be paid in advance to the issuer and stored a certain money value on the IC chip embedded in the plastic card and then used through the communication network has relatively low risk of counterfeiting or tampering, and is stolen or lost. It is safe and convenient for small payments.

Despite the convenience of electronic money, the reason why electronic money is not as active as a credit card is because of its incompatibility. That is, existing electronic money adopts different payment systems based on different IC chips for each electronic money issuer, so it can only be used for electronic money readers that are suitable for the type of electronic money. It is inconvenient to prepare electronic money. The compatibility problem of electronic money is partially solved through the standardization of electronic money, and as a result, a single electronic money reader can handle various types of electronic money.

In general, traditional electronic money has a microprocessor, card operating system, security module, memory, and the like, an integrated circuit chip (IC) that has the ability to process a specific transaction in a plastic card. It is a kind of smart card that is widely applied in various fields such as, transportation, and e-commerce.

Smart cards can be classified into various types according to their classification criteria, but IC chips can be classified into contact cards, contactless cards, and combined cards, depending on how data is read from the card. A contact card refers to a card in which a card is activated by contacting a card with a contact of an interface device when the contact card is inserted into an interface device that receives the contact card. A contactless card is a memory and memory required for an information processing function. The device is the same as the contact card, but the power supply for driving the IC chip in the card is made through the coil (RF loop antenna) in the card and refers to the type of card using the electromagnetic induction method for communication with the interface device. The card supports both the functions of a contact card and a contactless card, and a representative Combi card is a card configured to share parts that a contact / contactless card can share in one card.

The concept of a standardized combination card is shown in FIG. As shown, the combination card 100 is a CPU 110, the input / output unit 120, the main storage unit 130 (RAM, ROM, EEPROM), the contactless and the like to control the entire card in accordance with the system control logic 111 The configuration includes a commonly used storage unit 140 (EEPROM), an access matrix 150, a wired I / F and logic 160, an RF loop antenna 170, and the like.

6 is a terminal arrangement diagram of a standardized combination chip applied to a smart card. As shown, the terminal side of the combi chip has a total of eight terminals C1 to C8, C1 is a power supply terminal, C2 is an initialization input terminal, C3 is a clock terminal, C4 is a spare terminal unused, C5 is The ground terminal, C6, is the program voltage terminal (not currently used), C7 is the serial data input / output terminal, and C8 is the unused spare terminal.

The Combi chip can update (record, delete, store, etc.) data through an external device (electronic money reader, inquiry machine, etc.) by contactless RF by connecting an RF loop antenna to the two terminals (spare terminals). In addition, by connecting the remaining six terminals to a circuit of a mobile communication terminal such as a mobile phone, for example, it is possible to update data through the CPU of the mobile phone. The Combi chip allows users to use mobile phones as a payment method.

The inventors registered Utility Model Registration No. 269391 (2002. 03. 11. 2002) of 'IC chip pack for contact / non-contact smart card', in which preliminary terminals were formed on the terminal side as well as the side of the terminals from the combi chip. In this way, while maintaining the user's identity through the user's ID, password, identity information and account information, the combi chip can be installed in various forms as well as the traditional plastic card and mobile communication terminal. Thus, both contact and contactless types can be used regardless of changes in the user's location, type of terminal, or type of service.

Another payment method using a mobile phone (mobile communication terminal), in which infrared diodes and credit card information are embedded in a mobile phone, the card information (payment information) is transmitted to the receiver (electronic money reader) through infrared to pay the fee. IR payment has been developed, and a payment method using a Bluetooth module, which has been developed and standardized for short-range wireless connection of mobile phones, computers, PDAs, and the like, has also been proposed.

The above-mentioned RF payment method, the IR payment method, and the Bluetooth payment method all have in common that a predetermined fee payment is executed in a non-contact manner by transmitting billing information using short-range wireless communication. However, in order to pay the fee by RF method, IR method or Bluetooth method, an infrastructure suitable for each payment system is required. Until now, these payment systems have been independently developed and developed. Integrated use is not possible.

The purpose of the present invention is to equip a mobile communication terminal such as a mobile phone, which is widely used as a daily necessity, and to combine various types of electronic money with one mobile communication terminal by mounting a combination chip with different types of electronic money functions. By making it possible to use it, it is intended to solve the problems related to the use and cost of electronic money by issuing and possessing various types of electronic money, which have been related to electronic money in the form of conventional plastic card.

The object of the present invention is that one mobile communication terminal can be used for various types of electronic money, and the communication between the mobile communication terminal and the electronic money reader can be carried out using an IR method and a Bluetooth method in addition to the RF method. It is intended to be able to pay for all electronic money of RF method, IR method and Bluetooth method using only mobile communication terminal.

1 is a block diagram of a mobile phone which is an exemplary mobile communication terminal according to the present invention;

2 is an exemplary block diagram of the use of electronic money by a mobile phone, which is a mobile communication terminal according to the present invention;

3 is a flowchart illustrating payment of electronic money by a mobile communication terminal according to the present invention;

4 is an external perspective view of an exemplary mobile communication terminal according to the present invention;

5 is a conceptual diagram of a conventional combination card to which a combination chip is applied;

Figure 6 is a terminal arrangement of the standardized combination chip applied to the smart card.

<Description of Symbols for Main Parts of Drawings>

1: mobile communication terminal (mobile phone) 2: management server

3: Credit card information center 4: Electronic money issuing agency

5: credit card company 10: combi chip

11: Operating systems of electronic money 20: RF loop antenna

30: controller 31: key input unit

32: LCD 33: memory section

34: communication unit 35: power unit

40: IR module 50: Bluetooth module

R: Electronic Money Reader R1: RF Electronic Money Reader

R2: IR Electronic Money Reader R3: Bluetooth Electronic Money Reader

According to the present invention, there is provided a mobile communication terminal that includes a combination chip and an RF loop antenna and can be used as various different electronic money.

The mobile communication terminal according to the present invention is a combination chip in which operating systems of various kinds of electronic money are programmed; An RF loop antenna for transmitting electronic money payment information between the combi chip and the electronic money reader through contactless communication with the electronic money reader corresponding to the electronic money; And by controlling the basic mobile communication functions and controlling the operation of the electronic money of the combination chip, any electronic money of the various electronic money can be selected and used, and the charging of the electronic money is executed through mobile communication. Controller programmed to be; It includes.

Preferably, the mobile communication terminal of the present invention, the IR module and Bluetooth for transmitting electronic money payment information between the combi chip and the electronic money reader through the control of the controller by a non-contact wireless communication with the electronic money reader. At least one module selected from among the modules; may be further included. According to the addition of the IR module and / or the Bluetooth module, the RF loop antenna, the IR module or the Bluetooth module is selectively selected depending on whether the electronic money reader is an RF electronic money reader, an IR electronic money reader, or a Bluetooth electronic money reader. It can be used to settle the electronic money.

Preferably, the combi chip may be configured to be detachably mounted to the mobile communication terminal. Thus, when the model of the mobile communication terminal is changed, the combi chip is transferred to and mounted in the existing electronic money. The terminal can be used as it is.

Hereinafter, a mobile communication terminal having various electronic money functions according to the present invention will be described in detail with reference to the accompanying drawings. The following embodiments are merely illustrative of the mobile communication terminal according to the present invention, and are not intended to limit the scope of the present invention.

As shown in FIG. 1, the mobile communication terminal 1 (eg, a mobile phone) according to the present invention has a combi chip 10 and an RF loop antenna in a basic configuration of a general mobile communication terminal including a controller 30 and the like. (20) is added.

As is widely known, the mobile phone 1 of the present invention, like a conventional mobile phone, includes a controller 30 (CPU), a key input unit 31, an LCD 32, and a memory unit for controlling the overall mobile communication of the mobile phone. (33), the communication unit 34, the power supply unit 35 and the like, it can be said that the configuration using the key input unit 31 to input a predetermined data and command, and through the LCD (32) The relevant information is monitored, data necessary for the memory unit 33 is stored and deleted, and mobile communication is executed through the communication unit 34, and all such operations are controlled by the controller 30.

The combination chip 10 refers to an IC chip used in a conventional smart card that can be used as a combination of contact and non-contact as described above, preferably using the chip disclosed in the Utility Model Registration No. 269391 of the present inventors described above. Can be.

The RF loop antenna 20 refers to a conventional loop antenna that generates induced electromotive force upon access to an electronic money reader (R, R1: RF electronic money reader) to transmit data related to the use of electronic money. Preferably, the RF loop antenna 20 may be embedded in a folder top plate 36 (see FIG. 4) or a battery 37 capable of minimizing the electromagnetic wave blocking action applied to the cellular phone 1.

With the combination of the combination chip 10 and the RF loop antenna 20, when the mobile phone 1 of the present invention approaches the RF electronic money reader (R1), the power is supplied by the induced electromotive force of the RF loop antenna 20 Supplied and communication with the RF electronic money reader R1 is executed to execute the settlement of the electronic money mounted on the combi chip 10.

According to the characteristics of the present invention, the combi chip 10 has a variety of different types of electronic money, for example, different electronic money issuing institutions such as Mondex, Visa Cash, A Cash, and K Cash The operating system 11 of various electronic money issued by the PC is programmed, and memory and security modules for the electronic money are integrated, so that a user can select and use a specific electronic money among a plurality of electronic money. have.

In addition, the controller 30 of the cellular phone 1 controls the operation related to mobile communication, which is basically a unique function of the cellular phone, and functions as an electronic money of the combination chip 10 as the cellular phone 1. It is programmed to operate and control through the key input unit 31, the LCD 32, the memory unit 33 and the communication unit 34 of the, the operation of the electronic money of the combi chip 10 to operate the mobile phone ( Can be controlled using the basic components of 1).

Accordingly, when the combination chip 10 is controlled through the controller 30 in accordance with a menu displayed on the LCD 32 by operating the key input unit 31 of the cellular phone 1, the combination chip 10 may be used. It is possible not only to make electronic payment by selecting the required one among various electronic money supported by the company, but also to check balance, usage history, royalty, and electronic money transfer. Using the communication function, charging of electronic money can be performed with the credit card company's credit through wireless communication.

Hereinafter, an exemplary use of the mobile communication terminal of the present invention will be described with reference to FIG.

First, when the mobile electronic money service is selected by operating the key input unit 31 of the cellular phone 1, a list of electronic money (eg, Visa Cash, Mondex, A Cash, K Cash, etc.) serviced is listed (A). ). Then, if you select the electronic money (e.g. AAA CASH) to receive the service, the service to be provided (e.g., charge, balance inquiry, usage inquiry, loyalty inquiry, electronic money transfer, etc.) is listed (B) If you select and input the data necessary for charging (credit card number, expiration date, password, charge amount, etc.) (C), the communication of the mobile communication terminal is connected to the server in charge of charging and goes through the inquiry and approval process. Charge the amount (D).

When the balance inquiry (E), usage history (F) and royalty inquiry (G) are selected as the service to be provided, the corresponding data is read from the corresponding storage unit of the combi chip 10 and the LCD 32 Is displayed.

Hereinafter, an exemplary payment flow of charging and charging electronic money through a mobile communication terminal according to the present invention will be described with reference to FIG. 3. First, when the mobile phone 1 requests charging through the charging procedure of FIG. 2, the charging request data is transmitted to the management server 2 that manages the use of the electronic money through the wireless base station (A). The server 2 transmits the data to the credit card information center 3 and requests the card use approval (B). The credit card information center 3 inquires the user's credit and transmits the approval for charging the corresponding amount back to the management server 2 (C), and the management server 2 issues the electronic money issuing agency based on the charge approval. Request (4) to charge the corresponding amount (D), and the electronic money issuing agency (4) transfers the corresponding amount to the mobile phone (1) to perform charging (E, F). Subsequently, the management server 2 receives the charges and payments of credit approved by the credit card company 5 (G, H), pays the electronic money issuing organization 4 (I), the credit card company (5) Is charged by the credit card use amount to the mobile terminal owner (J, K).

As shown in FIG. 1, the mobile communication terminal 1 according to the present invention may further include at least one module selected from the IR module 40 and the Bluetooth module 50. That is, by further including an IR module 40 and a Bluetooth module 50 around the controller 30 of the mobile phone 1, not only the RF method, but also the IR method and / or one cell phone (1) You can make electronic money payments via Bluetooth.

The IR module 40 is an infrared (IR) communication with the IR electronic money reader (R2) is a module for communicating electronic money payment information, the Infrared Data Association (Infrared Data Association: International Infrared Data Communication Standard) as well known infrared near field communication. IrFM (Infrared Financial Messaging) can be applied, and includes an IR converter 41, an amplifier 42, an infrared light emitting diode 43, and the like.

As the IR module 40 is additionally installed in the mobile phone 1 of the present invention, when the IR module 40 is operated by using the electronic money at a place equipped with an IR electronic money reader R2, an infrared light emitting diode ( Electronic money settlement information is transmitted and received between the IR electronic money reader (R2) by a wireless signal from 43), and electronic money settlement is performed. Therefore, according to the mobile telephone 1 of the present invention, electronic money can be settled in an electronic money system using IR.

The Bluetooth module 50, as is well known, refers to a module that can exchange data by wirelessly connecting mobile devices such as mobile phones and PDAs within a narrow space. As the Bluetooth module 50 is mounted on the cellular phone 1 of the present invention, when the Bluetooth module 50 is used to operate the electronic money at a place equipped with the Bluetooth electronic money reader R3, the Bluetooth transceiver antenna 51 The electronic money payment information is transmitted and received between the Bluetooth electronic money reader (R3) and the electronic money settlement. Therefore, according to the mobile phone 1 of the present invention, the electronic money can be settled in the electronic money system using Bluetooth.

In FIG. 1, reference numeral 60 denotes a payment signal sending button, which is a button for transmitting a signal when using an electronic money using the IR module 40 and the Bluetooth module 50. The payment signal sending button 60, as shown in Figure 4, consisting of one button, press the button 60, IR module 40 first sends a signal, IR electronic money reader (R2) If there is no response due to the absence of the Bluetooth module 50 to send a signal in the next few seconds or on the contrary, the Bluetooth module 50 may send a signal first, or the payment signal sending button 60 to the IR module 40 ) And a button for the Bluetooth module 50 may be separated.

Preferably, the combination chip 10, as illustrated in FIG. 4, is mounted on the mounting kit 38 to be detachably mounted in the slot 39 of the mobile communication terminal 1. When the terminal is replaced with another phone, by mounting the combination chip 10 by moving the electronic money that has been used until now can be used as it is in a new type of mobile communication terminal.

In the above description, the present invention has been mainly described as a mobile communication terminal limited to a mobile phone. However, the mobile phone has only the same function as a mobile phone in that wireless Internet communication is possible and various data can be input and output. Naturally, the present invention can be applied to other mobile communication terminals including PDA having the same.

According to the mobile communication terminal according to the present invention as described above, has the following advantages.

First, since the mobile communication terminal (1) of the present invention includes all kinds of electronic money in one mobile communication terminal, unlike the conventional plastic card type electronic money, Money can be selected and used, thus minimizing the waste of resources and inconvenience caused by physically issuing and holding a large number of electronic money.

Second, since the intrinsic function of the mobile communication terminal 1 can be charged through mobile communication, it is possible to solve the inconvenience related to charging such as visiting a charging station or connecting a separate wired Internet. By providing credit card information to a mobile telecommunications company that has jurisdiction over mobile communication terminals, there is an advantage in that it can be charged by a hard method of inputting a password instead of entering a credit card number and an expiration date every time it is charged.

Third, it is possible to charge through mobile communication by using a credit card, excluding the charge by cash payment at the charging station, it is possible to simplify the flow of money.

Fourth, since the electronic money information stored in the combi chip 10 can be checked through the key input unit 31 and the LCD 32 provided in the mobile communication terminal, it is very convenient to check the balance or use history.

Fifth, unlike the conventional contact type plastic card type electronic money that inputs and outputs information by inserting directly into the electronic money reader (R), payment is made in a non-contact manner through the RF loop antenna 20 using the Combi chip 10. Since it is configured to be made, it is possible to solve the problems such as the inconvenience of having to carry a card of plastic type, shortening the life of electronic money due to contact.

Sixth, the electronic money operating system input to the combi chip 10 can be upgraded as necessary using the communication of the mobile communication terminal.

Seventh, since charging is performed through mobile communication of the mobile communication terminal, there is no need to build an infrastructure for charging such as a charger.

Eighth, even if the electronic money system is constructed differently according to the addition of the IR module 40 and / or the Bluetooth module 50 in the RF method, the IR method, and the Bluetooth method, a single mobile communication terminal is used to integrate and integrate with each other. Since the electronic money can be used, the use of electronic money by the mobile communication terminal can be made more convenient.

Ninth, the combi chip is controlled by the controller of the mobile communication terminal so that the electronic money information can be shared between the combi chip and the mobile communication terminal, and the combi chip can be detachably mounted on the mobile communication terminal. Even with the change of the communication terminal, it is possible to continuously maintain the user-specific data stored in the mobile communication terminal as well as the electronic money related information.

Claims (4)

Combi chip 10, the operating system of a variety of different types of electronic money; An RF loop antenna 20 for transmitting electronic money payment information between the combi chip 10 and the electronic money reader R through contactless communication with the electronic money reader R corresponding to the electronic money; And By controlling the basic mobile communication function and integrated operation of the electronic money of the combi chip 10, any electronic money of the various electronic money can be selected and used, and the charging of the electronic money is performed by the mobile communication. A controller 30 programmed to run through; A mobile communication terminal having various electronic money functions, comprising a. According to claim 1, Electronic money payment information is transmitted between the combi chip 10 and the electronic money reader (R) through the control of the controller 30 by a non-contact wireless communication with the electronic money reader (R). At least one module selected from among the IR module 40 and the Bluetooth module 50; More, The RF loop antenna 20, the IR module 40, or the electronic money reader R depends on whether the RF electronic money reader R1, the IR electronic money reader R2, or the Bluetooth electronic money reader R3 is used. A mobile communication terminal having various electronic money functions, characterized in that the electronic money is used by selectively using the Bluetooth module (50). The mobile communication terminal according to claim 1 or 2, wherein the combination chip (10) is detachably mounted to the mobile communication terminal (1). The mobile communication terminal according to claim 1 or 2, wherein the mobile communication terminal is a mobile telephone (1) and includes a payment signal transmission button (60) for operating the IR module (40) and the Bluetooth module (50). A mobile communication terminal having various electronic money functions.