KR20030083403A - A method for an electronic account by on-line using mobile-phone inside combi-type smartcard - Google Patents

Abstract

PURPOSE: An online electronic payment method using a mobile communication terminal mounting a combination smart card thereon is provided to conduct electronic payment by using the mobile communication terminal, thereby performing an authentication process online by using an external antenna or an internal antenna coupled with the smart card. CONSTITUTION: When a cellular phone user inputs a personal ID number(S701), a controller transmits the inputted personal ID number to a card server. When an RF terminal resets each component of a combination smart card(S702), a CPU transmits an ATR(Answer To Response) message to the RF terminal(S703). When an authentication request is received from the RF terminal, the CPU inputs a coded value to the RF terminal(S705). When the RF terminal requests to input payment information(S706), payment details are inputted(S707). When the RF terminal requests royalty information(S708), the CPU reads the royalty information from an ROM, and transmits the information to the RF terminal(S709).

Description

A method for an electronic account by on-line using mobile-phone inside combi-type smartcard}

The present invention relates to an online electronic payment method using a mobile communication terminal equipped with a combination smart card, and more particularly, to perform an online authentication process using a mobile communication terminal equipped with a combination smart card and performed authentication. The present invention relates to an online electronic payment method using a mobile communication terminal equipped with a combi-type smart card for selectively approving payment details using the results.

Smart-card refers to an IC (Integrated Circuit) card or CPU (attached to the upper left of the card by attaching a semiconductor chip having a memory device and a central processing unit). It is called various names such as Central Processing Card) and Chip Card.

In addition, the SIM (Subscriber Identity Module) card (the card which implements the smart card as a plug-in type), which significantly reduces the size of the card by configuring only the semiconductor chip separately from the smart card, is ETSI, a Western European communication organization. Proposed.

In addition, in order to implement contactless contactless data input / output SIM card, the internal antenna is combined (hereinafter, the smart card combined with the internal antenna will be referred to as “combi smart card”). Attempts have been made to mount a smart card in a mobile communication terminal.

As one of these attempts, Figure 1 is a combination perspective view of a mobile phone equipped with a combination smart card and Figure 2 shows a combination of the PCB 60 and the combination smart card 24 of FIG. As shown in FIG. 1, the cellular phone equipped with a card includes: a cellular phone main body 10 capable of communication and operation of an IC card; A battery 30 coupled to the rear of the mobile phone main body 10 to supply power to the mobile phone; A PCB (60) which is a collection of electrical elements embedded in a mobile phone for communication and information processing; An external antenna 70 for inputting / outputting signals to and from a mobile phone; A socket 22 formed at the rear of the mobile phone main body 10 in accordance with the smart card contact 25 of the combination smart card 24; A first contact point (23a) formed on the PCB according to the position of the socket 22 for exchanging information on the Internet while electrically connecting the combi-type smart card 24 and a mobile phone; Formed on the PCB (60) in accordance with the position of the socket 22 and electrically connected to the combination type smart card 24 and the mobile phone, but wirelessly through the card terminal (not shown) and the internal antenna (50) A second contact 23b for the PCB for exchanging; An internal antenna 50 formed at a suitable position of the PCB 60 or other structure and connected to the smart card second contact 25 b of the smart card contact 25; Combi-type smart card (24) for coupling the slide guide 21 to the socket 22 in a path to perform data processing and input / output functions; A first contact point 25a for smart card formed on the surface of the combination smart card 24 and coupled to the first contact point 23a for PCB (shown in FIG. 2); It is formed on the surface of the combination smart card 24 and comprises a smart contact second contact 25b (shown in Figure 2) coupled to the second contact 23b for PCB, smart contact type Combi-type smart card capable of both contact and contactless as the card is coupled to the internal antenna having an RF function has been proposed.

Therefore, the development of an online electronic payment method using a mobile communication terminal equipped with the proposed combination smart card is urgently required.

The present invention is based on the online (based on whether the user authentication data and payment information input through the mobile terminal and the card terminal equipped with a combination smart card is the same as the user authentication data and payment information stored in the card server, respectively) It is another object of the present invention to provide an online electronic payment method using a mobile communication terminal equipped with a combi-type smart card that performs an on-line authentication process and selectively approves an input payment based on the performed authentication result.

In addition, the present invention, the payment information, such as electronic money recharge amount, application information, disapproval command information from the card server (download) to the combi-type smart card, or the financial information stored in the combi-type smart card, royalty ( In order to upload payment information such as loyalty information, card status information, etc. to the card server, a combination smart card configured to allow a combination smart card to transmit / receive data with a card server through the internal antenna or an external antenna. Another object of the present invention is to provide an online electronic payment method using an installed mobile communication terminal.

In particular, the present invention, in order to use a mobile communication terminal equipped with a combination smart card for electronic money payment, the mobile device equipped with a combination smart card is stored in the combi-type smart card of the electronic money charging amount of the downloaded payment information It is another object to provide an online electronic payment method using a communication terminal.

In addition, the present invention, in order to use a mobile communication terminal equipped with a combination smart card for the electronic payment associated with at least one or more card servers, storing the respective application information corresponding to the card server of the downloaded payment information Another object is to provide an online electronic payment method using a mobile communication terminal equipped with a combination smart card.

In addition, the present invention, in order to prohibit the use of the mobile communication terminal in the case of the loss of the mobile communication terminal equipped with a combination type smart card or by a bad credit, stored in the combi-type smart card by the disapproval command information of the downloaded payment information Another object of the present invention is to provide an online electronic payment method using a mobile communication terminal equipped with a combi-type smart card for disabling the payment information inputted after changing the state.

1 is a combined perspective view of a mobile phone equipped with a combination smart card,

2 illustrates a coupling relationship between the PCB 60 and the combination smart card 110 of FIG. 1,

3 is a block diagram of a payment system using a mobile communication terminal equipped with a combination smart card of the embodiment to which the present invention is applied,

4 is an internal block diagram of a mobile phone according to the present invention;

5A and 5B are flowcharts of an online electronic payment method using a mobile communication terminal equipped with a combination smart card according to the present invention.

<Explanation of symbols for the main parts of the drawings>

23: PCB contact point 50: Internal antenna

60: PCB

100: cell phone with a combination smart card

110: combination smart card 111: smart card contact

112: CPU 113: ROM

114: EEPROM 115: Cryptographic Processor

The present invention for achieving the above object in the electronic payment method using an electronic payment system including a mobile communication terminal and an RF terminal equipped with a combination smart card coupled to the internal antenna by a connecting board and a socket, mobile communication The terminal includes a first step of providing a payment menu item to a user and inputting data for user authentication when selecting a payment menu item; Combi-type smart card, if the user authentication data and payment information input through the control unit of the mobile communication terminal to the card server via a communication network, the card server previously stored the user authentication data and payment information A second step of comparing with user authentication data and payment information, respectively; And a third step of selectively approving payment details transmitted from the RF terminal based on the comparison result.

The combination smart card may further include transmitting upload payment information to a card server connected online through the mobile communication terminal and receiving and storing download payment information from the card server.

The user authentication data is a personal identification number (PIN), and the payment information is a card number.

The upload payment information includes at least one of financial information and royalty information.

The download payment information includes at least one of electronic money recharge amount and application information.

The first step may include: a lower first step of initializing time data t when user authentication data is transmitted to the card server; And a second lower step of updating and storing time data according to a time elapsed after the initialization, wherein the second step includes payment details inputted after the two user authentication data and the payment information match each other as a result of the comparison. If the updated time data exceeds the preset time (t _D ), the control item is controlled to be disapproved regardless of the comparison result.

The objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and the following detailed description.

In the embodiments according to the present invention, the mobile communication terminal may be applied to a PCS, a mobile phone, a PDA, and the like.

In addition, the mobile phone includes a connection board having an internal antenna and a connection contact point, a combination smart card provided with a contact point for a smart card, and the connection board and the combination type smart card by the connection contact point and the smart card contact point. The socket to be fitted is mounted.

Accordingly, a card terminal transmits and receives a combination smart card and data by an internal antenna provided on the connection board, and a card server receives data received by a card terminal by the internal antenna or data on the card terminal. Transmits the received data to the combination smart card by the internal antenna.

In addition, the card server may directly transmit and receive data with the combination smart card by the external antenna provided in the mobile phone.

In the following embodiment, it is assumed that the mobile phone equipped with the combination smart card is preferably configured as shown in Figure 1, the electronic payment is performed only for a company card and royalty information supported by a company card is royalty Assume only A, and assume that the card terminal is an RF terminal.

3 is a configuration diagram of an electronic payment system using a mobile communication terminal (shown in FIGS. 1 and 2) equipped with a combination smart card according to the present invention, a PCB substrate 60 (shown in FIG. 1), A mobile phone 100 equipped with a socket contact 22 (shown in FIG. 1) and a combination smart card 110; RF terminal 200 for transmitting and receiving the combination type smart card 110 and the data by the internal antenna (50) provided in the mobile phone (100); Combi-type smart card 110 and the combination by passing through the wireless communication network 300 and the Internet network 400 (in the embodiment described later it is assumed that the communication network is the Internet network) by the external antenna provided in the mobile phone 100 and A company card server 500 for transmitting and receiving data; And a royalty A server 600 for managing and operating royalty A information supported by the a company card.

The mobile phone 100 provides a payment menu item to a user, and enables the user to input data for user authentication when the payment menu item is selected. In other words, the user can easily know by outputting a guide message on the screen.

In addition, the combi-type smart card 110, a company card server 500 connected to the Internet network 400, the upload payment information for the company A by the external antenna provided in the internal antenna or the mobile phone (100) Or, to receive the download payment information for the company A card input from the company a card server 500.

The upload payment information is a company's financial information, royalty information, and the like, and the download payment information belongs to an electronic money recharge amount, application information, and disapproval command information.

4 is an internal block diagram of the mobile phone 100 according to the present invention, in addition to the components for driving the mobile phone (memory unit 101 to the control unit 108), the PCB contact 23 and the internal antenna ( A PCB 60 having 50; And a smart card contact point 111, a ROM 113 for storing a card operation algorithm and an encryption algorithm for operating a combination smart card, an EEPROM 114 for storing user data, and a combination smart card. An encryption processor 115 performs encryption and decryption operations to ensure safety in use, and a combination smart card 110 including a CPU 112 for controlling each component in the combination smart card.

In an embodiment to be described later, a company card server 500 of the electronic payment system, the user authentication data and payment information in association with the self-equipped memory (not shown in the drawing) and the mobile phone 100 and RF terminal ( The user authentication data and payment information input by the user are sequentially transmitted through the external antenna 105a using the 200), and the transmitted user authentication data and payment information are compared with previously stored user authentication data and payment information, respectively. Then, based on the comparison result, an online authentication process is performed to control the payment details input by using the RF terminal 200 to be selectively approved.

a company card server 500, if the predetermined time (t _D ) elapses after the user authentication data is input through the external antenna of the mobile phone, regardless of the comparison result of the two user authentication data and payment information payment Perform a time-process operation that controls the details to be disapproved.

Hereinafter, assuming that the user authentication data is a Personal Identification Number (PIN), Fig. 5a and 5b for an online electronic payment method using a mobile communication terminal equipped with a combination smart card according to the present invention. It will be described in detail with reference to.

Example (second payment mode)

First, when the mobile phone user requests the second payment mode by pressing the key operation unit 107 (shown in FIG. 4), the control unit 108 of the mobile phone 100 controls the image signal processing unit 102 to provide a personal identification number ( PIN) to output a video message to the display unit 103 to input.

Subsequently, when the mobile phone user inputs a personal identification number (YES in S701), the control unit 108 transmits the input personal identification number to the a company card server 500 through the wireless communication network 300. From a company card server 500 initializes its own stored time data (t) to '0' and updates as time elapses.

Then, when the mobile phone user approaches the mobile phone 100 to the RF terminal 200, the RF terminal 200 is the internal antenna 50 of the PCB 60 provided in the mobile phone 100-contact 23 for the PCB- When each of the components 111 to 115 of the combination smart card 110 is reset via the smart card contact 111 (YES in S702), the CPU 112 sends an ATR to the RF terminal 200. In step S703, when the authentication request is made from the RF terminal 200 (YES in S704), the CPU 112 inputs the encrypted authentication value stored in the ROM 113 to the RF terminal 200 (S705). .

When the RF terminal 200 decrypts the transmitted encrypted authentication value and determines that the decrypted authentication value is related to the previously inputted ATR, the RF terminal 200 requests input of payment information by the user (YES in S706). Using the terminal 200, payment details (or also referred to as payment information. A card number, a payment amount, etc. may belong to this) are input (S707).

In addition, when the RF terminal 200 requests royalty information (S708), the CPU 112 reads the royalty information, that is, royalty A from the ROM 113, and transmits the royalty information to the RF terminal 200 (S709).

At this time, a company card server 500 checks whether the time data t being updated has passed the preset time t _D according to the time elapsed, and when the preset time has elapsed (“Yes” in S710), A company card server 500 disapproves the payment for the previously entered payment details (S711).

On the contrary, in the above-described case, if the payment information (card number) corresponding to the previously entered personal identification number (PIN) is transmitted without passing the preset time ("No" in S710), "Yes" in S712, In other words, if the personal identification number (PIN) and the payment information (card number) previously entered are the same as the previously stored payment information and the personal identification number, the company card server 500 approves the payment for the previously entered payment information. At the same time (S713) and connected to the royalty A server 600 and accumulates the addition point of the royalty A.

In addition, if a company card server 500 is not transmitted payment information (card number) corresponding to the previously entered personal identification number (PIN) (No in S712) disapprove payment for the transmitted payment history ( S711).

In the present exemplary embodiments, the electronic payment using the combination smart card is performed only on the company a card, and the additional points are accumulated only on royalties A when the electronic payment using the company a card is performed. Of course, it is possible to expand a plurality of cards including a company card and accumulate additional points for a plurality of royalties for each card, and in this case, the company card server 500 in the electronic payment system applied to the second payment mode. The operation of may be applied to be performed by a value added network (VAN) having a database in which a personal identification number (PIN) and payment information (card number) for a plurality of cards are stored.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention performs an electronic payment using a mobile communication terminal equipped with a combination smart card by using an internal antenna coupled to the combination smart card or an external antenna provided in the mobile communication terminal. By performing the authentication process, it is possible to perform the electronic payment regardless of whether the card terminal is contact or contactless, there is a more convenient and quick effect.

In addition, the present invention, by using the internal antenna or the external antenna to download the application information for a plurality of credit cards to the combination smart card mounted on the mobile communication terminal, it is possible to electronic payment using the user's desired credit card There is an easier effect.

In addition, the present invention, by downloading the electronic money charge amount to the combination smart card mounted on the mobile communication terminal using the internal antenna or an external antenna, by using the electronic money charged in the combination smart card in the mobile communication terminal It is effective to make electronic payment.

In addition, the present invention, by downloading the disapproval command information to the combi-type smart card mounted on the mobile communication terminal using the internal antenna or an external antenna, the security effect of preventing illegal electronic payment using the mobile communication terminal in advance There is.

Claims (14)

In the electronic payment method using an electronic payment system including a mobile communication terminal and an RF terminal equipped with a combination smart card coupled to the internal antenna by a connecting board and a socket, The mobile communication terminal may include a first step of providing a payment menu item to a user and inputting data for user authentication when selecting a payment menu item; Combi-type smart card, if the user authentication data and payment information input through the control unit of the mobile communication terminal to the card server via a communication network, the card server previously stored the user authentication data and payment information A second step of comparing with user authentication data and payment information, respectively; And On-line electronic payment method using a mobile communication terminal equipped with a combination smart card comprising a third step to selectively accept the payment details transmitted from the RF terminal based on the comparison result. The method of claim 1, Combi-type smart card, the combi-type smart characterized in that it further comprises the step of transmitting the upload payment information to the card server connected online via the mobile communication terminal, and receiving and storing the download payment information from the card server Online electronic payment method using a mobile terminal equipped with a card. The method according to claim 1 or 2, The user authentication data is a personal identification number (PIN), the payment information is an online electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that the card number. The method of claim 2, The upload payment information is an online electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that it comprises at least one of financial information, royalty information. The method according to claim 2 or 4, The download payment information is an online electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that at least one of the electronic money recharge amount, application information. The method of claim 3, The upload payment information is an online electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that it comprises at least one of financial information, royalty information. The method of claim 3, The download payment information is an online electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that at least one of the electronic money recharge amount, application information. The method of claim 6, The download payment information is an online electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that at least one of the electronic money recharge amount, application information. The method according to claim 1 or 2, The first step, A lower first step of initializing time data t when user authentication data is transmitted to the card server; And And further including a lower second step of updating and storing time data according to time after the initialization, The second step, If the two user authentication data and payment information match each other, the subsequent payment details are controlled to be approved, but if the renewal and stored time data exceeds a preset time (t _D ), regardless of the comparison result, On-line electronic payment method using a mobile communication terminal equipped with a combination smart card characterized in that the control to input so that the payment history is disapproved. The method of claim 3, The first step, A lower first step of initializing time data t when user authentication data is transmitted to the card server; And And further including a lower second step of updating and storing time data according to time after the initialization, The second step, When the two user authentication data and the payment information match each other, the payment information to be input is controlled to be approved after the comparison. If the updated and stored time data exceeds a preset time t _D , the comparison result is displayed. Online payment method using a mobile communication terminal equipped with a combi-type smart card, characterized in that the control to be rejected regardless of the payment entered after. The method according to claim 4 or 8, The first step, A lower first step of initializing time data t when user authentication data is transmitted to the card server; And And further including a lower second step of updating and storing time data according to time after the initialization, The second step, When the two user authentication data and the payment information match each other, the payment information to be input is controlled to be approved after the comparison. If the updated and stored time data exceeds a preset time t _D , the comparison result is displayed. On-line electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that the control to be rejected regardless of the payment entered after. The method of claim 5, The first step, A lower first step of initializing time data t when user authentication data is transmitted to the card server; And And further including a lower second step of updating and storing time data according to time after the initialization, The second step, When the two user authentication data and the payment information match each other, the payment information input afterwards is controlled to be approved. However, when the updated and stored time data exceeds a preset time t _D , the comparison result is displayed. On-line electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that the control to be rejected regardless of the payment entered after. The method of claim 6, The first step, A lower first step of initializing time data t when user authentication data is transmitted to the card server; And And further including a lower second step of updating and storing time data according to time after the initialization, The second step, When the two user authentication data and the payment information match each other, the payment information to be input is controlled to be approved after the comparison. If the updated and stored time data exceeds a preset time t _D , the comparison result is displayed. On-line electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that the control to be rejected regardless of the payment entered after. The method of claim 7, wherein The first step, A lower first step of initializing time data t when user authentication data is transmitted to the card server; And And further including a lower second step of updating and storing time data according to time after the initialization, The second step, When the two user authentication data and the payment information are the same as the result of the comparison, the payment information input afterwards is controlled to be approved, but when the update time data to be stored exceeds the preset time t _D , On-line electronic payment method using a mobile communication terminal equipped with a combination smart card, characterized in that the control to be rejected regardless of the payment entered after.