TW201507432A - Portable communication device having contactless credit card - Google Patents

Abstract

A smart phone includes control unit, a memory is coupled to the control unit, a touch panel display and a contactless credit card transaction module is coupled to the control unit. A contactless credit card is within the smart phone for contactless transaction.

Description

Handheld communication device with contactless credit card

The present invention relates to a credit transaction, and more particularly to a contactless credit, stored value device and method.

In general, credit cards are widely used in financial transactions or commodity trading, and currently mainly use contact credit cards. In addition, the traditional smart card is a large card with a size of 84mm X 54mm, which is generally applied to financial transaction systems such as financial cards, credit cards, ATM cards, or identity authentication systems such as health insurance cards. When swiping the card, the card reader reads the information on the magnetic strip to verify the identity and facilitate the credit transaction. However, this contact method often causes credit card wear and pollution to cause health problems, and when the password is entered, it is easy to be recorded by others. Nowadays, current credit cards cannot be signed and verified by the current credit card, so there are security concerns, so only small payments can be made.

The present invention can provide a non-contact financial card, a contactless credit card, a contactless memory card or the above composite card. The above contactless card includes an integrated circuit IC card. For fixed terminal applications, interactive authentication is available, such as in an automatic teller machine (ATM) where the user can operate at an automated teller machine (ATM) or an inductive credit card or card reader. To provide consumption or service. The present invention provides a subscriber identity module card comprising a base, the base comprising an IC coupled to a signal transmitting and receiving device for facilitating non-contact credit transactions by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device, wherein the IC storage authentication Relevant information is used to facilitate transaction authentication. The Subscriber Identification Module (SIM) contains an output input interface to facilitate connection with the handset connector. The signal transmitting and receiving device comprises an antenna or an induction coil. Wherein the antenna or the induction coil is disposed on the inner or outer surface of the substrate or inside or outside the mobile phone. The subscriber identity module card contains the user identification code.

A handheld communication device comprising an IC coupled to a contactless transaction signal transmitting and receiving device for facilitating contactless transaction by electromagnetic induction or electromagnetic resonance through a signal transmitting and receiving device, wherein the IC stores authentication related information for facilitating transactions Authentication, identification code stored in the handheld In the center or a subscriber identification module, it includes an output input interface to facilitate connection with the handset connector. The handheld communication device includes a smart mobile phone.

Based on the above needs, the present invention provides a contactless credit card reader comprising a contactless reader coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic induction or electromagnetic transmission through the signal transmitting and receiving device. Resonance performs a contactless credit transaction in which a contactless credit card reader is coupled to a remote server for use in transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil.

A handheld communication device for facilitating contactless credit card transactions, comprising: a control unit; a memory coupled to the control unit; a touch display coupled to the control unit; a credit card transaction generation module coupled to the control unit; and a contactless credit card , configured in a handheld communication device, coupled to a contactless signal transmitting and receiving device to facilitate contactless credit card transactions; and when a contactless credit card communicates with an external contactless card reader, a contactless credit card transaction is required The contactless card reader can retrieve the information of the contactless credit card to facilitate the contactless credit card transaction, and can also trigger the credit card transaction generation module to generate transaction information, display on the touch display, and make the credit card holder Sign or sign the password on the sign displayed on the touch display. The signed order is then transmitted to the seller's contactless reader or computer system. The transmission method can adopt NFC, WiFi, Bluetooth or mobile phone RF transmitter.

In an embodiment, wherein the handheld communication device includes a subscriber identification card, the contactless credit card is independent of the subscriber identification card. The contactless credit card transaction includes NFC for transmitting transaction information; or the contactless credit card transaction includes using a handheld communication device antenna to transmit transaction information through a handheld communication device network or the Internet.

In an embodiment, wherein the handheld communication device includes a subscriber identification card, the contactless credit card is integrated with the subscriber identity card. The contactless credit card transaction includes NFC for transmitting transaction information; or the contactless credit card transaction includes using a handheld communication device antenna to transmit transaction information through a handheld communication device network or the Internet.

In an embodiment, wherein the handheld communication device includes a subscriber identification card, the contactless credit card is stored in the handheld communication device memory. The contactless credit card transaction includes NFC for transmitting transaction information; or the contactless credit card transaction includes using a handheld communication device antenna to transmit transaction information through a handheld communication device network or the Internet.

The credit card of the present invention described above comprises a base, and the base of the credit card comprises an IC coupling To a signal transmitting and receiving device, so as to facilitate non-contact credit transaction by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device, wherein the IC stores the information related to the card to facilitate transaction authentication. Such as card number, expiration date, and user related information. The signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, finger antenna, complex loop antenna. The antenna or induction coil is disposed on an inner or outer surface of the substrate. The invention also has a financial card comprising a substrate, the substrate comprising an IC coupled to an antenna or an induction coil for facilitating contactless financial transactions by electromagnetic induction or electromagnetic resonance, wherein the IC stores the financial card Relevant information to facilitate transaction certification. Contains user-related information, passwords, account information, bank account information, and more.

10‧‧‧IC card

12‧‧‧IC

14‧‧‧Antenna

122‧‧‧ memory

12A‧‧‧ card number

12B‧‧‧effective date

12C‧‧‧ User related information

16‧‧‧Signal input/output contact interface

10A‧‧‧IC card

14A‧‧‧Antenna

16A‧‧‧Signal input and output contact interface

50‧‧‧Contactless card reader

52‧‧‧ coil

54‧‧‧Reader

56‧‧‧Internet interface

100‧‧‧ Non-contact cash machine

102‧‧‧ cash output or / and input unit

104‧‧‧Control unit

105‧‧‧Main memory

106‧‧‧ Cash storage匣

108‧‧‧Transportation device

102‧‧‧cash output/input unit

110‧‧‧Contactless readers

112‧‧‧ Non-contact signal transmitting and receiving device

114‧‧‧Contact Reader

116‧‧‧Network interface

200‧‧‧Mobile phones

210‧‧‧WiFi module

500‧‧‧Control unit

505‧‧‧ memory unit

510‧‧‧User interface

515‧‧‧ display device

520‧‧‧Antenna

525‧‧‧ Receiver

530‧‧‧transmitter

535‧‧‧MODEM

545‧‧‧Baseband processor

550‧‧‧Voice CODEC

555‧‧‧Voice Converter

570‧‧‧ input unit

575‧‧‧ credit card slot

575A‧‧‧SIM card slot

580‧‧‧ credit card

580A‧‧‧SIM card

600‧‧‧ Credit Card Transaction Module

The above aspects, as well as the advantages of the present invention, will be readily understood by the following detailed description. Wherein: the first figure is a schematic diagram of an IC card according to the present invention.

The second figure is a schematic diagram of a SIM according to the present invention.

The third figure is a schematic view in accordance with the present invention.

The fourth figure is a schematic view in accordance with the present invention.

The fifth figure is a schematic view in accordance with the present invention.

The following description provides a clear and unambiguous description to provide an overview of the embodiments of the invention. The following description of the drawings is intended to be illustrative of the preferred embodiments of the invention The invention is applicable to certification applications such as credit transactions and financial transactions, such as fixed terminal machines, including Automated Teller Machine (ATM), credit card machines, card readers or Point of Sales (POS) systems. Card reader. The following applies to the above application areas.

Referring to Figure 1, there is shown a schematic diagram of an IC card 10 in accordance with the present invention. In a preferred embodiment, the substrate material having the IC 12 described above may be a plastic material similar to that used in credit cards or transaction cards. For example, the material of the substrate preferably has a thickness ranging from 0.08 mm to 0.12 mm. In still another preferred embodiment, the size, material, and shape of the IC card described above are applicable to current financial cards, credit cards, or standard subscriber identity module cards. Its characteristics do not use the direct contact card mechanism of the magnetic strip to cause inconvenience. However, the present invention does not exclude the inclusion of a magnetic strip and provides two modes of operation. As shown, it is root One of the IC cards according to the present invention is shown on the surface. The IC card 10 includes an IC 12 coupled to an antenna 14 (or an electromagnetic induction coil), and the antenna 14 can be located anywhere in the card or on the surface, including but not limited to either side of the IC card. In the case of a credit card, information such as the user's information, authentication code, card number or password can be stored in the IC in advance. The IC card may include a single IC, an integrated IC, or a plurality of ICs attached or embedded in the above IC card. The IC card may be a flexible printed circuit board (commonly known as a soft board) or a hard printed circuit board, and may be a transparent or opaque material. On the other hand, the IC may also include a memory, such as an Electrically Erasable Programmable Read-Only Memory (EEPROM) or a Flash memory, to facilitate storage of data. For user identification applications, etc.

In one embodiment, the IC 12 is coupled to store the information related to the card to facilitate the transaction authentication of the memory 122. The information includes but is not limited to, such as card number 12A, expiration date 12B, and user related information 12C or password, identification code, and the like. The IC 12 and the memory 122 are an integrated IC. The signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, broken antenna, finger antenna, complex loop antenna. The credit card does not need to be located on the magnetic stripe or metal contact interface of the card surface, such as a plurality of metal contacts on a general financial card.

In the case of a financial card, the IC card 10 according to the present invention may optionally omit the signal input/output contact interface 16, and may also include the above-described input/output contact interface 16 to enable the contact and contactless transaction authentication functions. In this embodiment, the IC card may be a smart card, but is not limited to a credit card, a financial withdrawal card, a leisure card, a loan card, and a stored value card. In addition, based on the application of this embodiment, the features of the embodiments of the present invention further include a signal, a transmitting and receiving device, which can be generally a planar antenna. The described embodiment of the invention is substantially equivalent in size to a financial card or an IC card. It can be coupled to the antenna 14 as a near field electronic wireless transaction or identification function. The antenna 14 can be a thin, or planar induction coil or a so-called planar antenna, including but not limited to the loop antenna shown in the figures. In an embodiment, the configuration of the antenna is not limited to the above manner, and the configuration may be changed according to different needs, and the signal is transmitted and received through the antenna.

Compared to the prior art, the present invention has the advantage of being applied to contactless financial or transaction services. The invention has the following advantages: providing a contactless credit card, a financial card application, etc., and avoiding being recorded by others. Based on the non-contact type, the card process can be avoided to damage the card body. Based on contactlessness, it provides a more hygienic transaction. In addition, there is no personal information or specific indication from the appearance of the card, and no card number or account number can be displayed on the surface that is identifiable to the naked eye. Ordinary people in appearance Unable to steal or read any relevant information to improve security. The signature can also be stored in the memory 122 in a digital manner, which facilitates the identification and comparison with the bill signature. Digital photos can also be added to the memory 122 to facilitate identification and improve transaction security.

In another application, the present invention can also be used on a subscriber identity module card of a mobile phone. Referring to FIG. 2, in addition to the features of the foregoing embodiment, it may be configured to have at least one antenna 14A buried. It is disposed inside the IC card 10A or disposed on the surface or disposed inside or outside the mobile phone to facilitate the transmission and reception of signals. It includes a signal input and output contact interface 16A to facilitate contact with the mobile phone. The antenna 14A can be a cell phone antenna or a near field non-contact antenna. This is the way to use the mobile phone as a trading tool. Based on this, an identification code or a password can be provided in advance, for example, the subscriber identification module can be identified by having a specific or personal authentication identification code. Therefore, you can use this configuration for contactless transactions. It can be charged by a telecommunications or financial services company, or by a debit card. Based on the advancement of semiconductor technology, it is able to provide sufficient memory capacity to store the amount of credit in the memory of the card, deducted through consumption, and the related information can be transmitted through the mobile phone 200 or card IC (or memory). The trading software in the middle shows the balance or transaction amount and time. When you need to add (store) value, you can add (store) value points through the contactless card reader or the endpoint sales system, or download or store the value via the mobile phone 200 or download the discounted electronic ticket. (If the mobile phone 200 has the WiFi module 210, refer to the fourth figure). If the card reader feels insufficient balance, it can automatically add (store) the amount of the booked or set value, and then send the card to the credit card or enter the cash.

In operation, the non-contact card reader 50 or the end point sales system based on the illustration can be powered by the reader to generate a magnetic field (coil type) in an electromagnetic induction manner on the credit card (or other IC card, subscriber identification mode). The coil of the group card generates an IC that drives the card, draws the information in the memory, and processes the reply signal through the IC to the contactless card reader. Similarly, based on electromagnetic induction, the coil 52 of the contactless card reader 50 generates a signal feedback to the reader/writer 54, a control unit 60 that couples the reader/writer 54 to process the desired transmission or reception of the message. In addition, an antenna can be used instead of a coil, and transmitting a signal through the antenna is accompanied by a magnetic field. Current is generated by resonance on the card, and subsequent processing is as described above. The mobile phone or its contactless card reader or endpoint sales system is connected to the remote server. Through the network interface 56, coupled with the control unit 60, it is possible to exchange information with the remote database to facilitate transactions. And a print (or output) unit 58 is coupled to the control unit 50 to facilitate receipt of information and credit card joint center authentication information output accounting information or can be displayed on the display. The above may include providing a certification identification code to identify the transaction counterpart; exchanging information with the remote server or database through the mobile phone to facilitate the transaction; inputting the identification code and Credit card information is used for mobile phone transactions; after receiving information and credit card joint center certification, the credit transaction information is output or displayed on the display.

FIG. 3 is a functional block diagram of the non-contact cash dispenser 100 related to the present invention. It includes cash output or/and input unit 102 for exporting cash or entering cash for withdrawal or deposit. The inclusion control unit 104 is configured to control the processing of input signals and to connect with the host to facilitate transaction authentication and information inquiry. It is connected to the main memory 105 of the cash dispenser 100. 106 is a cash deposit and is contacted by the cash output/input unit 102 via the transport device 108. The non-contact financial cash dispenser includes a contactless reader/writer 110 coupled to the non-contact signal transmitting and receiving device 112 and the control unit 104 for facilitating electromagnetic induction through the non-contact signal transmitting and receiving device. Electromagnetic resonance performs a contactless financial transaction in which a contactless financial cash dispenser is coupled to a remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. The other part of the operating mechanism is equivalent to the traditional mechanism, which has to configure the contact card reading mechanism 114 to facilitate the traditional card reading. Through the web interface 116, information can be exchanged with the remote database to facilitate transactions.

Therefore, the above SIM card can be integrated into a card with a contactless credit card (or a financial card), or can be separately inserted into a respective card reader, as shown in FIG. The present invention is applicable to a wireless communication device, including but not limited to, for example, a smart mobile phone or the like. In general wireless communication systems, communication network service providers in different systems or regions use different communication protocols, such as GSM, CDMA, and WCDMA. Therefore, the signals transmitted by the various system service providers contain different communication protocols.

Referring to FIG. 5, it is a functional block diagram of a smart wireless communication device. For the convenience of explanation. The smart wireless communication device includes a control unit 500, such as a processor, for processing and controlling the instructions, data processing, and operations of the device. A memory unit 505, such as a non-volatile memory, is coupled to the control unit 500. The system programs and applications stored in the non-volatile memory control the execution of all necessary functions, are processed by the control unit, and presented to the display device 515 through the user interface 510. The touch input unit 570 is electrically connected to the control unit 500 to facilitate the user to input commands or data. The display device 515 and the touch input unit 570 can be referred to as a touch display device. The antenna 520 is configured to receive a signal and mix the signal with a local oscillation signal through the receiver 525 to convert the signal into an IF (intermediate frequency) range of about 1.9 G to 1 MHz. The transmitter 530 converts the modulated signal to 1.9G and transmits it through the antenna 520. The MODEN 535 is electrically coupled to the receiver 525 and the transmitter described above. (transmitter) 530, used to modulate or de-modulate. Its role is equal to the MODEN of the general wireless communication device. A base band processor 540 is coupled to the MODEN described above, which can process signals and protocols. Similarly, GSM currently operates at a frequency range of approximately 900 or 1800 MHz. After the signal processed by the baseband processor, the control signal is transmitted to the control unit 500 for processing, and the speech signal is transmitted to the CODE/decoder 550 for processing. Then, a speech converter 555 is electrically connected to the CODEC (coder/decoder) 550 for converting the digital signal into an analog signal or conversely converting the analog signal into a digital signal. A microphone 560 and a speaker 565 are electrically connected to the above-described speech converter 555, respectively. a SIM card slot 575A having a connector for facilitating insertion of the SIM card 580A of the system, enabling the SIM card 580A to communicate with the control unit through the SIM card connector and facilitating the control unit to obtain the data and password stored in the SIM card . In addition, the present invention may also include a digital camera module 500 connected to the control unit 500. The captured image is sent to the control unit 500 for processing. If the credit card is integrated with the SIM, the credit card or financial card related information is stored in the non-volatile memory of the SIM. The connector of the SIM card slot 575 is used to facilitate the storage or retrieval of data by the processor and can be displayed on the display.

If the two are not integrated architecture, the credit (or financial) card slot 575 has a connector for facilitating the insertion of the credit card 580, the credit card can be connected to the control unit through the connector, and the control unit can obtain the stored credit card. The information and password in the transmission are transmitted through the antenna or displayed on the display. In another embodiment, the credit card slot does not have a connector, the difference being that the credit card transmits data to the reading device through its own near field antenna. The various configurations described above are subject to change as needed. In another embodiment, the credit (financial) card related information may be stored in the memory of the mobile phone, and may be downloaded and stored in the memory through the issuing bank.

The present invention further includes a credit card transaction module 600 connected to the processing unit 500. When the credit card transaction is performed, when the credit card 580 is wirelessly close to the card reader, the card reader and the credit card exchange transaction information with each other when the remote credit card is used. When the transaction center confirms that the transaction is possible, the control unit 500 sends a signal to trigger the credit card transaction module 600 to generate a transaction information interface, which is displayed on the touch display device 515, and allows the signature display, archive, and transmission through the touch display device 515. Wirelessly transmitted to the seller's computer system and stored for electronic transaction signing to facilitate verification or as a basis for credit card reimbursement. When you need to identify the identity information, you can non-contact output or display the information stored in it, without signing the sign, directly sign the mobile touch display device to reduce the printing inconvenience or save paper. Use; this can also be used for remote authentication or identification via NFC transmission or network transmission, such as the Internet or mobile telecommunication network.

In summary, the present invention provides a method for consuming a handheld communication device, comprising: implanting a contactless transaction card or a stored value card or a credit card in the handheld communication device, the contactless stored value card comprising or coupled to a signal transceiver device The non-contact type of reader/writer is connected to the contactless reader/writer, and the contactless signal transmitting and receiving device performs non-contact transaction by electromagnetic induction or electromagnetic resonance, wherein the non-contact stored value card is independent of the user identification mode. The stored value card of the group card is integrated into the user identification module card. At least the antenna or the induction coil is disposed in the non-contact stored value card and in the user identification module card. The handheld communication device includes a transaction module 600 for generating a transaction interface, displayed on the touch display to facilitate the user to input a password or a signature, or prompting the user to input a password. Remote authentication or identification via NFC transmission or network transmission, such as the Internet or mobile telecommunications network.

A non-contact credit transaction method, comprising: providing a contactless credit card and a contactless card reader, the contactless credit card and the contactless card reader separately comprising a signal transceiver; the contactless credit card is implanted in the handheld The communication device is connected to the non-contact card reader by the non-contact credit card of the handheld communication device, and the contactless signal transmitting and receiving device performs contactless transaction by electromagnetic induction or electromagnetic resonance, wherein the contactless credit card includes an IC coupling The corresponding signal transceiver device stores the card number, expiration date and user information. The handheld communication device includes a transaction generating module for generating a transaction interface for displaying on the touch display device to facilitate the user to input a password or a signature, or prompting the user to input a password. Remote authentication or identification via NFC transmission or network transmission, such as the Internet or mobile telecommunications network.

A handheld communication device having a contactless financial card, comprising: a control unit; a memory coupled to the control unit; a touch display coupled to the control unit; and a financial card transaction generation module coupled to the control unit; a contact credit card, configured in the handheld communication device, coupled to the contactless signal transmitting and receiving device to facilitate contactless financial card transactions; and when the contactless financial card communicates with an external contactless card reader Performing a contactless financial card transaction, and the contactless card reader can retrieve the information of the contactless financial card to facilitate the non-contact financial card transaction, triggering the financial card transaction generation module to generate transaction information, which is displayed in the Touch display and enable the financial card holder to enter a password on it. A non-contact method for conducting a financial transaction, comprising: providing a contactless financial card and a non-contact cash dispenser, the contactless financial card and the non-contact cash dispenser each comprising a signal transceiver; Non-contact financial card is close to a non-contact type The contactless transaction is performed by electromagnetic induction or electromagnetic resonance between the non-contact signal transmitting and receiving devices, wherein the non-contact financial card includes an IC coupled to the corresponding signal transceiver device, and stores the bank account number and password. Account information. Among them, the handheld communication device includes remote authentication or identification through NFC transmission or network transmission, such as internet or mobile phone telecommunication network.

In the above, the present invention has been described above by way of a preferred embodiment, and is not intended to limit the scope of the patent claims claimed. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Any modification or refinement made by those skilled in the art without departing from the spirit or scope of the present invention is equivalent to the equivalent change or design made in the spirit of the present disclosure, and should be included in the following patent application scope. Inside.

500‧‧‧Control unit

505‧‧‧ memory unit

510‧‧‧User interface

515‧‧‧ display device

520‧‧‧Antenna

525‧‧‧ Receiver

530‧‧‧transmitter

535‧‧‧MODEM

545‧‧‧Baseband processor

550‧‧‧Voice CODEC

555‧‧‧Voice Converter

570‧‧‧ input unit

575‧‧‧ credit card slot

575A‧‧‧SIM card slot

580‧‧‧ credit card

580A‧‧‧SIM card

600‧‧‧ Credit Card Transaction Module

Claims (12)

A handheld communication device having a contactless credit card, comprising: a control unit; a memory coupled to the control unit; a touch display coupled to the control unit; a credit card transaction generation module coupled to the control unit; and a contactless a credit card, configured in the handheld communication device, coupled to the contactless signal transmitting and receiving device to facilitate contactless credit card transactions; and when the contactless credit card communicates with an external contactless card reader, a contactless credit card is required Transaction, and the contactless card reader can retrieve the information of the contactless credit card to facilitate the contactless credit card transaction, trigger the credit card transaction generation module to generate transaction information, display the touch display, and make the credit card hold Someone has to sign or enter a password. A hand-held communication device having a contactless credit card as claimed in claim 1, wherein the handheld communication device includes a subscriber identification card, the contactless credit card being independent of the subscriber identification card. A hand-held communication device having a contactless credit card as claimed in claim 2, wherein the contactless credit card transaction comprises using NFC for transmitting transaction information; or wherein the contactless credit card transaction comprises using a handheld communication device antenna through a handheld communication Device network or internet to facilitate the transmission of transaction information. A hand-held communication device having a contactless credit card according to claim 1, wherein the handheld communication device includes a subscriber identification card, and the contactless credit card is integrated with the subscriber identification card. A hand-held communication device having a contactless credit card according to claim 4, wherein the contactless credit card transaction comprises using NFC to facilitate transmission of transaction information; or wherein the contactless credit card transaction comprises using a handheld communication device antenna through a handheld communication Device network or internet to facilitate the transmission of transaction information. A hand-held communication device having a contactless credit card according to claim 1, wherein the handheld communication device includes a subscriber identification card, and the contactless credit card is stored in the memory. A hand-held communication device having a contactless credit card as claimed in claim 6 wherein the contactless credit card transaction comprises NFC for transmitting transaction information; or wherein the contactless credit card transaction comprises using a handheld communication device antenna through a handheld communication Device network or internet to facilitate the transmission of transaction information. A handheld communication device having a contactless financial card, comprising: a control unit; a memory coupled to the control unit; a touch display coupled to the control unit; and a financial card transaction generation module coupled to the control unit; a contact credit card, configured in the handheld communication device, coupled to the contactless signal transmitting and receiving device to facilitate contactless financial card transactions; and when the contactless financial card communicates with an external contactless card reader Performing a contactless financial card transaction, and the contactless card reader can retrieve the information of the contactless financial card to facilitate the non-contact financial card transaction, triggering the financial card transaction generation module to generate transaction information, which is displayed in the Touch display and enable the financial card holder to enter a password on it. A hand-held communication device having a contactless financial card as claimed in claim 8 wherein the handheld communication device comprises a subscriber identification card, the contactless financial card being independent of the subscriber identification card. A hand-held communication device having a contactless financial card according to claim 8 wherein the handheld communication device includes a subscriber identification card, and the contactless financial card is integrated with the subscriber identification card. A handheld communication device having a contactless financial card according to claim 8 wherein the handheld communication device comprises a subscriber identification card, and the contactless financial card is stored in the memory. A hand-held communication device having a contactless financial card as claimed in claim 9 or 10 or 11, The non-contact financial card transaction includes using NFC to facilitate the transmission of transaction information; or the non-contact financial card transaction includes using the handheld communication device antenna to transmit the transaction information through the handheld communication device network or the Internet.