KR20070110479A - Mobile communication devices - Google Patents

Abstract

A mobile phone is provided to replace more than one credit and debit cards of a customer with one sheet of a card inserted or installed within the customer's wireless communication device, thereby realizing easy portability as remarkably improving misuse caused by card loss. Information on a customer's credit and debit cards is stored in a card memory(120) through a card input unit(100) within a wireless communication device. A separate user information memory(125) for preventing usage by another person is installed to input information, which pairs with a one-card for receiving the information on the credit and debit cards, in read-only memory type. If the one-card is inserted, a one-card input/output unit(110) searches whether the inserted one-card belongs to the customer. If not, the input/output unit sends a transaction reject message on a screen of the communication device.

Description

Mobile Phones {Mobile Communication Devices}

1 is a simplified block diagram of a system to be added to a wireless communication device to implement the present invention.

2 is an overall flowchart of the ONE CARD service.

3 is a simplified flowchart illustrating a process of checking a user's real name of an inserted ONE CARD using a security code for security.

Figure 4 is a simple illustration of the process of implementing the service.

Fig. 5 is a simple illustration of ONE CARD for this service (for magnetic memory).

Fig. 6 is a simple illustration of the ONE CARD for this service (for IC chip memory).

<Description of main parts of drawing>

100: input unit 105: search (control) unit

110: input / output section 115: delete section

120: card information memory 125: user information memory

The present invention provides an IC chip having a read / write memory area, means for receiving client-owned credit or debit card information data from a financial institution server (credit card company server or bank server) via a communication network, and the received client-owned credit. A mobile phone comprising means for recording card or debit card information data on the IC chip.

The number of credit and debit cards a person possesses for social / economic activities is usually about six, and there are always problems of misuse of the cards in the notebook and misuse due to loss.

Information required for payment of credit and debit cards used for payment is stored in the magnetic memory on the back of the card. If you accidentally damage this part, you can't use the card and have to reissue it.

In the case of a credit card, the actual transaction approval is performed by reading the magnetic part of the credit card (memory containing information for requesting payment through the card company) to the checker, and approving the transaction with the server of the card company used through the wired network connected to the card checker. Will be asked.

In the case of debit cards, when the debit card is inserted into the ATM, the ATM checks the user from the information already entered on the magnetic card of the debit card and allows the user to access the account he / she has at the bank. The withdrawal service will be available.

That is, the limit or account required for the transaction is managed by the server of the card company and the bank, and the credit card and debit card store only simple information about the real name to be able to access it and to determine whether or not it is used after access.

In the over-competition of credit card companies and the change from general currency to cyber currency, the number of cards carried by ordinary people is more than five or six such as credit, debit and cyber cards, but effective countermeasures due to card loss have not been suggested. The damage caused by the card misuse is a social issue. In some cases, the wireless communication device is used as a substitute for the card, but as with the problem of the existing card, there is no provision for the loss of the wireless communication device in addition to the simple real name verification procedure.

The present invention provides an IC chip having a read / write memory area, means for receiving client-owned credit or debit card information data from a financial institution server (credit card company server or bank server) via a communication network, and the received client-owned credit. Provided is a cell phone having a means for recording card or debit card information data on the IC chip.

A mobile phone according to the present invention includes an IC chip having a read / write memory area, means for receiving client-owned credit card or debit card information data from a financial institution server (credit card company server or bank server) via a communication network, and the reception. And means for recording the client's own credit card or debit card information data on the IC chip.

According to the present invention, the cellular phone, the credit card or debit card information data is characterized in that the disposable data, credit card or debit stored in the IC chip after the use of the disposable credit card or debit card information data And means for deleting card information data.

The present invention realizes the use of multiple credit and debit cards owned by one ONE CARD inserted or installed in the wireless communication device of the customer, and transfers the desired card to the one card only when used, By deleting the card information stored in the original card again after use, it is convenient to hold and reduces the risk of loss, and one ONE CARD that is inserted or installed in the customer's wireless communication device In addition to real-time use of credit and debit cards, the information in the one card is automatically deleted for security and safety after use.

Generally, the information stored in the magnetic memory is not a currency that has real value, but a card company that has real name information about the customer and the credit card usage amount of the customer and information on the remaining available balance. Contains information that serves as a key to connect to the server.

This information can be stored in the wireless communication device in advance, and when needed, it can be downloaded and used as a ONE CARD with magnetic memory.

Here, the magnetic memory area of the one card is a memory area for storing credit and debit card information of a user as described above, and may be replaced with an IC chip.

Given that the cost of issuing a credit and debit card is usually about 2500, the use of the ONE CARD system can greatly reduce the cost of each credit card company or debit card issuing bank.

The present invention selects one of a separate memory for inputting a plurality of credit cards and debit cards owned by the customer into the wireless communication device, and select one of the credit and debit cards already stored in the wireless communication device so that they can be used offline. ONE CARD with separate read-only and read-write memory magnetics (or IC chips) to receive previously stored credit and debit cards, and an output unit for transferring pre-stored credit and debit cards to the ONE CARD. In order to prevent the use of others, the search unit that checks whether the customer's ONE CARD is paired with the wireless communication device storing the credit and debit card before transmitting the pre-stored credit and debit card to the ONE CARD. And, in the memory of the wireless communication device and the ONE CARD which pre-store the personal information and security code of the customer used for the above search process. In the memory area that stores the card information in the wireless communication device and the delete part for deleting information on the received card other than personal details and security codes for the user's real name after using it for payment in the ONE CARD. An input unit for inputting and modifying information on a storage card is configured to perform this service.

In addition, the present invention provides a security code and card issued by the credit card company and the customer to the customer subscribed for the service when submitting the subscription and the wireless communication device and the ONE CARD to be used by the customer can be paired with each other The same serial number codes are combined to form a security code area, and then a three-step user real name verification step is performed to construct the ONE CARD for the required credit and debit card.

The security code is stored in the user information memory of the wireless communication device and the read-only memory area of the ONE CARD together with the user's personally identifiable information at the same time. Therefore, the ONE card inserted at all times before the ONE CARD configuration is compared with the user's own. Block the use of others.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for typical cases of various methods for explaining the present invention most appropriately, and the present invention is not limited only to the following drawings and descriptions.

The present embodiment relates to a case where the one card is inserted into or detached from a wireless communication device, and the credit and debit card information previously held by the user is transmitted to the user PC through a wired communication network and written on the one card. If it is to be specified that the user can be used to insert or detach the one card through a separate device to the user PC.

In addition, this embodiment is limited to the case of the credit card and debit card, but it is specified that it is commonly used for all cards (electronic money and securities) that can perform the user's payment processing.

1 is a simplified block diagram of a system to be added to a wireless communication device to implement the present invention.

One card implemented in the present invention is manufactured in the same form or convenient form of existing credit and debit cards, and is inserted or detached to a wireless communication device, characterized in that the one card (One Card), magnetic area (Or IC chip area) read-only memory area for permanently inputting user information and security code to permanently check the user's real name, and transfer credit and debit card information that the user already possesses through a communication channel. Receive and write to the magnetic area (or IC chip area), and after the use of the credit and debit card is divided into a read-write memory area to delete the information of the received card into an empty card area, In addition to the function of inserting or detaching from the user's wireless communication device, inserting or inserting into the user's PC or card writer and reader It is characterized in that it further comprises a function for receiving the credit and debit card information that the user already held through the detached communication channel.

The present invention provides a function of receiving client-based credit and debit card information data from the original card and a financial institution server (credit card company server or bank server) through a communication channel, and the client-based credit and debit card information received. A function of transferring and writing data to the one card read / write dedicated memory area, and from the financial institution server (credit card company server or bank server) of the one card read / write only memory area after the one card is used by the client. A one-card providing system, comprising a wireless communication device having a function of deleting the received credit and debit card information data, is implemented.

The credit and debit card held by the customer is stored in the card memory 120 through the card input unit 100 in the wireless communication device through a pre-arranged agreement with the card company (in the case of a commercial card) and the bank (debit card). (I.e. input the card's magnetic (or IC chip) memory information)

In addition, in order to prevent the use of others, a separate user information memory 125 is provided so that information paired with an ONE CARD to receive credit and debit cards is input in a read-only memory format. In this case, the paired information is a security step, and the user's personal information and security code are pre-typed in a read-only memory area of the user information memory in the wireless communication device and the magnetic (or IC chip) memory in the ONE CARD. When receiving the credit and debit card stored in the ONE CARD is a memory area that allows the search unit 105 to search whether the ONE CARD is your own.

When the ONE CARD input / output unit 110 inserts the ONE CARD into the wireless communication device for use, the search unit 105 searches whether the inserted ONE CARD is the customer's own. Send a transaction rejection message to the communication device screen, reject the transaction, and if it is confirmed that it is your ONE CARD, transfer the entered credit and debit card to the read-write dedicated memory area of the magnetic (or IC chip) memory area of the ONE CARD. Complete the credit and debit cards you can use.

* After using the credit and debit card, inserting the ONE CARD back into the wireless communication device, the search unit 105 recognizes this and deletes the card information in the read-write-only memory in the ONE CARD to use it with another credit and debit card. EMPTY ONE CARD

ONE CARD input / output unit of a card reader-type reader and reader for inserting an ONE CARD into a wireless communication device so that a credit and debit card can be received. It is further configured in connection with the 110, it may be further configured outside the wireless communication device.

2 is an overall flowchart of the ONE CARD service.

The method for providing a one card according to the present invention includes a read-only memory area in which a magnetic area (or IC chip area) pre-stores and permanently stores user information and a security code in order to confirm a user's real name, and which the user already holds. Receives credit and debit card information through the communication channel and writes it into the magnetic area (or IC chip area). After using the credit and debit card, the information on the received card is deleted to make an empty card area. Inserting or detaching a One Card, which is manufactured by dividing it into a write-only memory area, to a wireless communication device or a client PC or a card writer and reader, and a financial institution server (credit card company server or bank). Client's own credit and debit card information data and user security code Receiving a step, processing the client authentication by matching the received user security code and the security code stored in the memory area of the client owned wireless communication device and the security code stored in the read-only memory area of the one card And transmitting and writing the received client device held credit and debit card information data to the one card read / write only memory area, and after the one card is used by the client, the one card read / write only memory area of the one card read / write only memory area. And deleting the credit and debit card information data received from the financial institution server (credit card company server or bank server).

The ONE CARD is inserted into the card light reader added to the wireless communication device (200) and the payment mode is selected from the menu of the wireless communication device as shown in FIG. 4-1 (205). When the payment mode is selected in the wireless communication device menu, a list of credit and debit cards already stored in the wireless communication device is displayed as shown in FIG. 4-2.

If one is selected according to the need (210), before the selected card is transferred from the wireless communication device to the ONE CARD, it is checked whether the currently inserted ONE CARD is paired with the wireless communication device and the user's own ONE CARD. (215)

This retrieval process checks whether the user identification information and security code in the user information memory stored separately in the wireless communication device match the user identification information and security code previously entered in the read-only magnetic (or IC chip) memory in the ONE CARD. The comparison is made by the searching unit 105.

If the inserted ONE CARD is not the user's own ONE CARD (220), a transaction rejection message is sent to the display screen (225) and the transaction is terminated. If it is confirmed that the inserted ONE CARD is the user's own card, the user is required to enter a password for security (230). If the entered password is correct (235), the card selected among the credit and debit cards entered in the card input memory of the wireless communication device is selected. To transmit to the ONE CARD through the writer-reader of the input / output unit 110 (240).

If the passwords do not match (245), an error message is transmitted to the display screen (250) and a re-entry is requested.

The ONE CARD, completed by receiving the transmission of the selected card from the wireless communication device (255), is used for payment by the customer as a credit and debit card (260). The used ONE CARD is inserted into the writer-reader of the wireless communication device input / output unit again (265) and deletes the information on the received credit and debit card and separately manages it separately from the wireless communication device (270).

3 is a simplified flowchart illustrating a process of checking the user's real name of the inserted ONE CARD using a security code for security.

In the real name verification step of the inserted ONE CARD of Figure 2 first compares the authentication code issued after the existing agreement with each card company and bank for the present invention (300).

If it matches, it checks whether the user code matches (305). If it does not match, a transaction rejection message is sent and the transaction is terminated (310). If the user codes match, the next step is the serial number comparison step (315) and finally requires a password input as shown in Fig. 4-4 (320), if the input password matches the selected credit and debit card to ONE CARD It transmits (325).

Here, the authentication code is a security code that is pre-populated in the user information memory and the ONE CARD read-only memory area and issued to the card company and the bank for security purposes. The authentication code of the wireless communication device and the ONE inserted into the wireless communication device Transactions can only be made when the CARD authorization codes are the same

A user code is a code that a customer who uses this service submits in advance to a card company and a bank before signing up for the service. It is a code issued by an individual for security purposes. This code is entered before the service.

* Serial number is the security code of the final step that confirms that the wireless communication device to be used and the one card are the same pair. It is a code that is generated at the same time as creating the customer's one card when the customer subscribes to the service. Code to put in.

If the 3rd level security code comparison above is matched, the user is finally required to enter a password, and if the password is incorrect, an error message is sent and a re-entry request is requested, and if it is correct, the selected credit and debit card is sent to the ONE CARD. Terminate the transaction.

A security code is a code including an authentication code, a user code, and a serial number. The security code is input to the user information memory 125 of the wireless communication device and the read-only memory area of the ONE CARD to be used by the customer. The three-step code to be compared in the search unit 105 to check whether the ONE CARD inserted into the input / output unit 110 is his or her own.

Figure 4 is a simple illustration of the process of implementing the service.

After inserting the ONE CARD into the wireless communication device and selecting the payment mode on the wireless communication device menu screen as shown in FIG. 4-1, a list of credit and debit cards owned by the user already entered in the wireless communication device as shown in FIG. 4-2 Appears. If you select a card that you want to use among credit and debit cards, the ONE CARD inserted by the search unit 105 in the ONE CARD system in the wireless communication device is linked with the user information storage memory 125 to determine whether the user's ONE CARD is correct. After checking the user's personal information and security code already inputted to the wireless communication device and the ONE CARD, if it matches, the selected card is transmitted to the ONE CARD. Send it.

Figure 5 is a simple illustration of the ONE CARD for this service.

Read-only memory area that is manufactured in the same form or convenient form as existing credit and debit card, and the magnetic area (or IC chip area) is stored permanently by inputting user information and security code to confirm the user's real name before configuring ONE CARD. In other words, the card is divided into a read-write memory area, which receives information on a card to be used and deletes the information on the received card for use afterwards, thereby making an empty card area.

Figure 6 is a simple illustration of the ONE DARD for this service.

This figure is a simple illustration of an ONE CARD including an IC chip area fabricated to be mounted (or detachable) in the form of existing credit and debit cards or in a wireless communication device.

According to the present invention, one card inserted or installed in the wireless communication device of the customer can be replaced by one or more credit and debit cards owned by the customer is convenient to carry, every time the user configures the necessary card in the ONE CARD The use of personal information and security codes can greatly improve the misuse or misuse of lost cards and greatly improve the costs associated with issuing existing credit and debit cards, which can contribute to increased profits for card companies and banks. have.

Claims (2)

An IC chip having a read / write memory area; Means for receiving client-owned credit or debit card information data from a financial institution server (credit card company server or bank server) via a communication network; And And means for recording the received client-owned credit card or debit card information data on the IC chip. The method of claim 1, The credit card or debit card information data is characterized in that the disposable data, And means for deleting the credit card or debit card information data stored in the IC chip after use of the disposable credit card or debit card information data.

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