KR20040004765A - Mobile Telecommunication Terminal Having Manifold Settlement Route - Google Patents

Abstract

PURPOSE: A mobile terminal having a multi-method settlement unit is provided to selectively and compatibly execute price settlement for various settlement methods, such as an RF(Radio Frequency) method, an IR(Infrared Rays) method, a Bluetooth method, etc. CONSTITUTION: A mobile terminal(1) having a multi-method settlement unit comprises a combichip(10) and an RF loop antenna(20). The combichip(10) is controlled through the CPU(2) of the mobile terminal. The RF loop antenna(20), connected with the combichip(10), transmits price settlement information between the combichip(10) and a reader(R) by contactless radio communication with the reader(R). Also the mobile terminal(1) comprises both an IR module(30) and a Bluetooth module(40) or either of them to transmit price settlement information between the combichip(10) and the reader(R) through the control of the CPU(2) by contactless radio communication with the reader(R). Judging whether the reader(R) is an RF reader(R1), an IR reader(R2) or a Bluetooth reader(R3), the mobile terminal(1) executes price settlement by using the RF loop antenna(20), the IR module(30) or the Bluetooth module(40) selectively.

Description

Mobile Telecommunication Terminal Having Manifold Settlement Route

(Technology)

The present invention relates to a mobile communication terminal represented by a mobile phone, and more particularly, various charges by selectively applying contactless wireless communication by RF (Infrared Rays) and Bluetooth (Bluetooth) methods. The present invention relates to a mobile communication terminal such as a mobile phone and a PDA having a multi-method payment means.

(Background)

As information is further progressed, payment methods for various goods and services are also rapidly shifting from traditional cash to credit cards and electronic money, etc., and recently, mobile phones as mobile communication terminals have been replaced by payment methods. It is emerging as one.

The present inventor is equipped with an electronic chip (RF chip) and a loop antenna in which a unique identification information (ID) is recorded in a mobile phone, and when the billing information is transmitted to the reader through contactless wireless communication, the reader finances the billing information. A utility model registration No. 179192 (registered Feb. 08, 2000) was proposed as a 'mobile phone with a contactless electronic chip', which is charged (transmitted) by a server (or a recording medium).

In addition, as an alternative payment method using a mobile phone, an IR method for paying a fee by embedding an infrared diode and credit card information in a mobile phone and transferring card information (payment information) to a receiver (reader) through infrared light. In addition, a payment method using a Bluetooth module, which has been developed and standardized for short-range wireless connection of a mobile phone, a computer, a PDA, and the like, has also been proposed.

As is well known, a combination chip, which combines a contact electronic chip and a non-contact electronic chip, is commercially available among IC chips applied to smart cards. The combination chip has two terminals connected to the RF loop antenna and used for contactless (RF) and six terminals connected to the CPU of the mobile phone, for example, and the data embedded in the combi chip includes the RF loop antenna and the There is a feature that allows you to record, save and delete the data through the CPU of the phone.

3 is a conceptual diagram of a conventional combination card to which a combination chip is applied. As shown, the combination card 100 is common to the CPU 110, the input / output unit 120, the main storage unit 130 (RAM, ROM, EEPROM), the contactless type to control the entire card in accordance with the control logic 111 A storage unit 140 (EEPROM), an access matrix 150, a wired I / F and logic 160, an RF antenna 170, and the like are used.

CombiChip is progressing standardization of the standard by various standardization organizations, and the International Organization for Standardization (ISO) also prepares and recommends the basic standard of smart card (ISO 1816).

4 is a terminal arrangement diagram of an IC chip terminal side applied to a smart card according to the ISO standard. As shown, the IC chip terminal side for the smart card has a total of eight terminals of C1 to C8, C1 is a power supply terminal, C2 is an initialization input terminal, C3 is a clock terminal, C4 is an unused spare terminal, 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.

In an IC chip pack for a contact / non-contact smart card comprising a chip side to which an IC chip is attached and a terminal side to which terminals of the IC chip are disposed, a preliminary terminal among the terminals from the IC chip is disposed on the terminal side. Of course, it was formed on the side of the chip, and proposed 'IC chip pack for contact / contactless smart card' as a utility model registration No. 269391 (registered on March 11, 2002). This allows the IC chip pack to be installed in contact with a variety of forms, as well as in the form of traditional plastic cards such as credit cards and mobile phones, while maintaining the user's identity through the user's ID, password, identity and account information. It is possible to use both contactless and contactless, regardless of the user's location, the type of terminal and the type of service.

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.

An object of the present invention is to solve the conventional problem that the charge system through the mobile communication terminal can not be integrated and compatible with each other due to the difference between the RF system, the IR system or the Bluetooth system. It is intended to be able to pay fees for all payment systems of RF, IR and Bluetooth systems using only one 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 a schematic view of the appearance of a mobile phone which is an exemplary mobile communication terminal according to the present invention;

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

Figure 4 is a terminal arrangement of the IC chip terminal side applied to the smart card according to the ISO standard.

<Description of Symbols for Main Parts of Drawings>

1: Mobile communication terminal (mobile phone) 2: Controller (CPU)

3: LCD 4: Power Supply

5: key input section 6: memory section

10: Combi chip 20: RF loop antenna

30: IR module 31: IR converter

32: amplifier 33: infrared light emitting diode

40: Bluetooth module 41: antenna

50: payment signal sending button R: reader

R1: RF Reader R2: IR Reader

R3: Bluetooth Reader

According to the present invention, there is provided a mobile communication terminal having a multi chip payment means including a combination chip, an RF loop antenna, and at least one module selected from an IR module and a Bluetooth module.

According to the present invention, a combination chip mounted on a mobile communication terminal and controlled by a controller of the mobile communication terminal; An RF loop antenna installed in the mobile communication terminal in a state of being connected to the combi chip to transmit billing information between the combi chip and the reader by contactless wireless communication with a reader (a receiver, an inquiry device, etc.); At least one module selected from an IR module and a Bluetooth module mounted on the mobile communication terminal to transmit billing information between the combi chip and the reader through control of the controller by contactless wireless communication with the reader. ; There is provided a mobile communication terminal having a multi-method payment means comprising a.

According to the mobile communication terminal of the present invention, the RF loop antenna, the IR module and the Bluetooth module can be selectively operated according to the type of the reader selected from among the RF reader, the IR reader and the Bluetooth reader to pay the fee. have.

Hereinafter, a mobile communication terminal having a multi-method payment means according to the present invention with reference to the accompanying drawings will be described in detail. 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.

1 is a block diagram of a mobile phone which is an exemplary mobile communication terminal according to the present invention, and FIG. 2 is an external schematic diagram of a mobile phone which is an exemplary mobile communication terminal according to the present invention.

As shown, the mobile communication terminal 1 according to the present invention includes a combination chip 10, an RF loop antenna 20, an IR module 30, together with a basic configuration of a general mobile phone. At least one module selected from the Bluetooth modules 40 is included.

As is widely known, the conventional cellular phone 1 includes a controller 2 (CPU) for controlling the first half of the cellular phone, and includes an LCD 3, a power supply unit 4, a key input unit 5, and a memory unit ( 6) It can be said that it is the structure containing.

According to a feature of the present invention, the cellular phone 1 includes a combi chip 10, an RF loop antenna 20, an IR module 30, and a Bluetooth module 40 around the controller 2. Although it is most preferable to include both the IR module 30 and the Bluetooth module 40 in terms of being able to pay for all of the RF, IR, and Bluetooth methods in one mobile phone, the IR module 30 ) And only one of the Bluetooth module 40 is not excluded.

The combination chip 10 means an IC chip used in a smart card or the like that can be used as a combination of contact and non-contact as described above, and preferably, the chip disclosed in the Utility Model Registration No. 269391 of the present invention can be used.

The combi chip 10 records, stores, and deletes various types of information including billing information (for example, user ID, password, telephone number, credit card number, identity information, and account information). By controlling the same through the controller (2) of 1) to share the information with the mobile phone (1).

In particular, while the combi chip 10 is detachably mounted on the mobile phone 1, various information related to the use of the mobile phone 1 on the combi chip 10 (users such as various information stored in the mobile phone and UIM) By recording the unique data of), it is desirable to separate the CombiChip 10 from the old phone when the mobile phone is replaced, and to mount it on the new phone so that the relevant information can be inherited and used as it is. The inconvenience of re-entering various information due to the replacement can be eliminated. Basic information necessary for payment, such as a credit card number stored in the combi chip 10, can be downloaded and stored through the connection with the relevant payment server using the mobile phone (1).

The RF loop antenna 20 is a loop antenna used in a conventional RF electronic chip which is embedded in a non-contact card or a combination card such as a traffic card to generate an induction electromotive force when the reader R is approached to transmit data. it means. Preferably, the RF loop antenna 20 may be embedded in a folder top plate or a battery that can receive the electromagnetic wave blocking action applied to the mobile phone 1 to a minimum.

The built-in combination chip 10 and the RF loop antenna 20 allow the mobile phone 1 of the present invention to approach the RF reader R1 provided in a bus, subway, or the like, whereby the power source from the RF reader R1 is supplied. The predetermined payment is performed in a non-contact manner as is widely known through the transmission and authentication process of the payment information through wireless communication by the induced electromotive force. Therefore, when the mobile phone 1 of the present invention is used, it is possible to settle the bill through the operation of the RF loop antenna 20 at the place where the billing system having the RF reader R1 is constructed.

The IR module 30 is a module for paying a fee through infrared (IR) communication with the IR reader 3B. IrDA (Infrared Data Association) and IrFM (Infrared Data Association) as well known infrared near-field communication Infrared Financial Messaging: an infrared communication standard for financial settlement) can be applied, and includes an IR converter 31, an amplifier 32, an infrared light emitting diode 33, and the like.

As the IR module 30 is mounted in the cellular phone 1 of the present invention, when the IR module 30 is operated at a place where the IR reader R2 is provided, the payment is performed. Billing information is input to the reader (R2) as a wireless signal and payment is made through an authentication procedure. Therefore, when using the mobile phone 1 of the present invention, it is possible to pay the bill through the operation of the IR module 30 in the place where the billing system with the IR reader (R2) is built.

The Bluetooth module 40, as is well known, means a module that can exchange data by wirelessly connecting mobile devices such as a mobile communication terminal, PDA, etc. within a narrow space, and the mobile phone of the present invention ( As the Bluetooth module 40 is installed in 1), when the Bluetooth module 40 is operated in the place where the Bluetooth reader R3 is provided to execute the payment, the payment information is transmitted through the Bluetooth transmission / reception antenna 41. The relevant billing information is input to the Bluetooth reader (R3) and the payment is made through the authentication process. Therefore, when the mobile phone 1 of the present invention is used, it is possible to pay a fee through the operation of the Bluetooth module 40 at the place where the billing system with the Bluetooth reader R3 is built.

In FIG. 1, reference numeral 50 denotes a payment signal transmission button, and a button for transmitting a signal for payment from the IR module 30 and the Bluetooth module 40 to the reader R.

As shown in Figure 1, the payment signal sending button 50 is composed of one button, when the button 50 is pressed, the IR module 30 first sends a signal, and the absence of the IR reader R2. If there is no response, the Bluetooth module 40 may then send a signal within a few seconds, or vice versa, the Bluetooth module 40 may first send a signal, or the payment signal sending button 50 may be set to the IR module 30. It may be configured to be separated into a button for and a button for the Bluetooth module 40.

In addition, it is possible to confirm the billing process and results by allowing related information such as authentication result, payment result and balance indication related to bill payment to be displayed on the LCD 3 of the cellular phone through the controller 2 of the cellular phone 1. You can do that.

In making a payment with the mobile phone 1 of the present invention, the user's credit card number is downloaded from the payment management server to the combi chip 10 through the communication function of the mobile phone 1, and through the credit card number and the password. Paying a postpaid fee (credit payment), or saving the amount of information in the combi chip 10 from the payment management server through the communication function of the mobile phone (1) by reducing the corresponding amount every time the prepaid fee The payment system to be applied, such as payment (prepayment) may be appropriately selected according to the payment system of the payment management server.

In addition, in the case of making a large payment, a specific usage method such as adding a necessary safety measure such as inputting a password (password) through the key input unit 5 of the cellular phone 1 to confirm authentication and then executing payment May be applied to the present invention as in the usual payment method.

In the above description of the present invention, a mobile telephone is described as an example of a mobile communication terminal, but the present invention can be applied to other mobile communication terminals such as a PDA.

According to the mobile communication terminal (1) having a multi-method payment means according to the present invention as described above, even if the payment system is constructed differently by RF, IR and Bluetooth for each product sales place, one mobile communication terminal Since payments can be integrated and used in a mutually compatible manner, it is expected to be able to more conveniently execute payments by mobile communication terminals and to manage and manage charges made in various ways.

In addition, the combi chip 10 is controlled by the controller of the mobile communication terminal so that the billing information is shared between the combi chip 10 and the mobile communication terminal, and the combi chip 10 is detachably mounted on the mobile communication terminal. As it is possible to do so, it is expected that the user can continuously maintain the user's unique data stored in the mobile communication terminal as well as the billing information even in the change of the used mobile communication terminal.

Claims (3)

A combination chip 10 mounted on the mobile communication terminal 1 and controlled through the controller 2 of the mobile communication terminal 1; Installed in the mobile communication terminal 1 while being connected to the combi chip 10 to transmit the billing information between the combi chip 10 and the reader (R) by contactless wireless communication with the reader (R) RF loop antenna 20; And It is mounted on the mobile communication terminal (1) and transmits billing information between the combi chip 10 and the reader (R) through the control of the controller (2) by contactless wireless communication with the reader (R) At least one module selected from an IR module 30 and a Bluetooth module 40; Including, The RF loop antenna 20, the IR module 30, or the Bluetooth module 40 may be selectively selected depending on whether the reader R is an RF reader R1, an IR reader R2, or a Bluetooth reader R3. A mobile communication terminal having a multi-method payment means, characterized in that for paying bills. The mobile communication terminal according to claim 1, 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 phone (1) and includes a payment signal transmission button (50) for operating the IR module (30) and the Bluetooth module (40). A mobile communication terminal having a multi-method payment means characterized in that.