TWI579771B - Mobile phone with contactless transaction - Google Patents

Description

Contactless mobile phone

The present invention relates to a transaction card, and more particularly to a non-contact proximity transaction card.

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 wear and tear on credit cards and pollution. When entering a password, it is easy to be recorded by others.

The present invention can provide a non-contact close-range transaction card including a non-contact close-range financial card, a non-contact close-range credit card, a non-contact close-range memory card, or a composite card as described above. The above non-contact close-range transaction 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 invention discloses a non-contact close-range transaction card, which comprises a substrate, wherein the base of the non-contact close-range transaction card comprises an IC coupled to a signal transmitting and receiving device for facilitating electromagnetic transmission through the signal transmitting and receiving device. Inductive or electromagnetic resonance for non-contact credit transactions, where the IC stores the relevant information 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 non-contact close-range transaction card comprising a substrate, the substrate comprising an IC coupled to an antenna or an induction coil for facilitating electromagnetic induction or It is an electromagnetic resonance non-contact close-range financial transaction in which the IC stores information related to the financial card to facilitate transaction authentication. Contains user-related information, passwords, account information, bank account information, and more.

Similarly, the present invention provides a subscriber identity module card comprising a base, wherein the base comprises an IC coupled to a signal transmitting and receiving device for facilitating non-contact close proximity by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device. Credit transaction, wherein the IC stores authentication related information to facilitate transaction authentication, and the subscriber identification module card includes an output input interface to facilitate connection with the mobile phone 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 includes a user identity code.

A handheld communication device, comprising: an IC coupled to a non-contact close-range transaction signal transmitting and receiving device for facilitating non-contact close-range transactions by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device, wherein The IC stores authentication related information to facilitate transaction authentication. The identification code is stored in the handheld device or in a subscriber identification module, and includes an output input interface to facilitate connection with the mobile phone connector. The handheld communication device includes a mobile phone or a number of assistants.

Based on the above needs, the present invention provides a non-contact close-range transaction card reader, characterized in that it comprises a non-contact proximity reader coupled to a non-contact proximity signal transmitting and receiving device for facilitating transmission of the signal. The transmitting and receiving device performs non-contact close-range credit transactions by electromagnetic induction or electromagnetic resonance, wherein the contactless close-range transaction card reader is coupled to the remote server during use to facilitate transaction authentication. The non-contact close-range transaction signal transmitting and receiving device comprises an antenna or an induction coil.

A non-contact close-range financial cash dispenser, characterized by the prior art, comprising a non-contact proximity reader coupled to a non-contact proximity signal transmitting and receiving device for facilitating transmission through the non-contact The proximity signal transmitting and receiving device performs non-contact close-range financial transactions by electromagnetic induction or electromagnetic resonance, wherein the non-contact close-range financial cash dispenser is coupled to the remote server during use to facilitate the transaction. Certification. The non-contact close-range transaction signal transmitting and receiving device comprises an antenna or an induction coil.

A non-contact close-range stored value device and a non-contact close-range transaction card, characterized in that the non-contact close-range transaction card comprises a base, and the base comprises an IC coupled to a signal transmitting and receiving device for facilitating transmission through the signal The receiving device performs non-contact stored value by electromagnetic induction or electromagnetic resonance, wherein the IC stores the non-contact close-range transaction card related information, wherein the signal transmitting and receiving device comprises an antenna or an induction coil; and the non-contact close-range storage The value device comprises a contactless card reader coupled to the non-contact proximity signal transmitting and receiving device for facilitating non-contact close-range stored value by electromagnetic induction or electromagnetic resonance through the non-contact proximity signal transmitting and receiving device.

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 a non-contact proximity transaction 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 a surface representation of a non-contact close-range transaction card 10 in accordance with the present invention. The above non-contact close-range transaction card 10 includes an IC 12 coupled to one day Line 14 (or electromagnetic induction coil), and the position of antenna 14 can be located in the card or anywhere on the surface, including but not limited to either side of the non-contact close-range transaction card 10. With the non-contact close-range transaction card 10 as a credit card, the user's information, authentication code, card number or password can be stored in the IC in advance. The non-contact close-range transaction card 10 may include a single IC, an integrated IC, or a plurality of ICs attached or embedded in the above-described non-contact close-range transaction card. The non-contact close-range transaction card may be a soft 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. Instead of contacting the close proximity transaction card 10 as a credit card, there is no need for a magnetic strip or metal contact interface on the surface of the card, such as a plurality of metal contacts on a general financial card.

For the non-contact close-range transaction card 10 as the financial card, the non-contact proximity transaction card 10 according to the present invention may select the omitted signal input/output contact interface 16, and may also include the above input/output contact interface 16, To enable the implementation of contact and non-contact close-range transaction authentication functions. In addition, it is convenient for the user to change the password. Credit cards do not require this interface16. Furthermore, the contact interface of the IC card is equivalent to the pin of the conventional standard smart card, and is a contact interface provided by a conventional standard smart card. Therefore, the card reader can communicate through the input/output interface. Can be widely applied to fixed terminals, including cash dispensers or endpoint sales system readers. In this embodiment, the non-contact close-range transaction card 10 can be a smart card, but is not limited to a credit card, a financial withdrawal card, a leisure card, a debit card, and a stored value card. In addition, based on this embodiment application What is needed, 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 with the prior art, the present invention has the advantage of being applied to non-contact close-range financial or transaction services. The invention has the following advantages: providing a non-contact close-range transaction card, which can be a non-contact close-range credit card, a financial card application, etc., and can input or not input a password, so as to avoid being recorded by others. Based on the non-contact close-range 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. The average person cannot steal or read any relevant information in appearance 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. The surface of the card can be customized or painted according to personal style. 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 applied to a subscriber identity module card of a mobile phone. Referring to FIG. 2, the configuration has at least one antenna 14A buried in the non-contact close-range transaction card 10A or configured in the The surface is either placed inside or outside the 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 is not an antenna for voice communication of the mobile phone itself, and is an antenna that is advantageous for near-field non-contact close-range transactions. 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, this configuration can be used for non-contact close-range transactions. It can be charged by a telecommunications or financial services company, or by a debit card. The above contact boundary The face 16A includes more than eight feet. Currently, the mobile phone operator only uses some of them. Therefore, the unused foot can be coupled with the antenna, and then contacted with the non-contact close-range transaction card 12A as an information transmission path. Based on the advancement of semiconductor technology, it is able to provide sufficient memory capacity to store the value of the stored value in the memory of the card, and deduct the purchase amount through the consumption, and the related information can be transmitted through the mobile phone 200 or the non-contact close-range transaction card. The trading software in (or memory) displays 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). For example, when the non-contact close-range card reader lacks the balance, it can automatically add (store) the amount predetermined or set, and then send the card to the credit card or enter the cash.

In operation, the illustrated contactless card reader 50 or endpoint sales system is capable of providing power by a reader to generate a magnetic field (coil type) electromagnetically in a non-contact proximity transaction card (or other The coil of the IC card and the subscriber identification module card generates an IC for driving the card, extracts the information in the memory, and processes the reply signal to the contactless card reader through the IC. Similarly, based on electromagnetic induction, the coil 52 of the non-contact proximity 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 handset or its non-contact proximity 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 counterpart of the transaction; exchanging information with the remote server or database through the mobile phone to facilitate the transaction; inputting the identification code and providing the credit card information for the mobile phone transaction; receiving the information and outputting the certificate with the credit card joint center Credit transaction information or displayed on the display.

Figure 3 is a functional block of the non-contact close-range cash dispenser 100 related to the present invention. schematic diagram. 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 close-range 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 transmission of the receiving device through the non-contact short-range signal. Electromagnetic induction or electromagnetic resonance for non-contact financial transactions, in which a non-contact close-range financial cash dispenser is coupled to a remote server during use to facilitate transaction authentication. The non-contact close-range 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.

Based on the above statement, the present invention can also be applied to identity authentication or membership authentication, which can be a contactless identity card, a driver's license, a health insurance card or a passport, wherein one of the differences with the credit card is the identity of the data stored in the memory. Certification data (member number), nationality, event records, digital images (such as photos), personal identity information such as blood type, health information, housing information, spouse information, etc. If you need to identify the identity information when you go to the administrative agency or the bank or apply for insurance or mobile phone business, you can non-contact output or display the information stored in it without photocopying to reduce the inconvenience of double-sided photocopying; The network, such as the Internet or mobile telecommunications network, is used for remote authentication. The above purpose and motivation are identity identification and not as an access control identification card.

The invention proposes a method for consuming through a handheld communication device, comprising: Implanting a non-contact proximity transaction card or a stored value card or credit card to the handheld communication device, the contactless proximity transaction card including or coupled to a signal transceiver; the handheld communication device being in close proximity to a non-contact proximity The reader/writer performs non-contact transaction by electromagnetic induction or electromagnetic resonance through the non-contact close-range signal transmitting and receiving device, wherein the non-contact close-range transaction card is a transaction card independent of the user identification module card or integrated The user identifies the module card. At least that day The line or induction coil is disposed in the non-contact close-range transaction card, the user identification module card, and the inside or outside of the mobile phone can avoid the shielding effect.

A non-contact close-range method for conducting credit transactions, comprising: providing a non-contact close-range transaction card and a non-contact close-range card reader, the non-contact close-range transaction card and the non-contact close-range card reader individually Included as a signal transceiver device; a non-contact proximity transaction card is attached to a non-contact proximity card reader, and the non-contact signal transmission and reception device performs non-contact transaction by electromagnetic induction or electromagnetic resonance, wherein the non-contact proximity The distance transaction card includes an IC coupled to the corresponding signal transceiver device, which stores the card number, expiration date and user information.

A non-contact method for conducting a financial transaction, comprising: providing a non-contact close-range transaction card and a non-contact cash dispenser, the non-contact close-range transaction card and the non-contact close-range cash machine each comprising a signal transceiver The non-contact close-range transaction card is attached to a non-contact close-range cash dispenser, and the non-contact close-range transaction is performed by electromagnetic induction or electromagnetic resonance between the non-contact close-range signal transmitting and receiving devices, wherein the non-contact near-distance transaction The distance financial card includes an IC coupled to the corresponding signal transceiver, which stores the bank account number, password, and account information.

The material of the antenna pattern is obtained from a copper foil or a metal alloy, and also includes an oxide having a metal, wherein some conductive materials made by this method are transparent or nearly transparent, and if the antenna is attached to glass or transparent On the substrate, it will have a visual penetration effect. The transparent material also comprises an oxide having doped alumina, the shape of which is formed by the use of a suitable mask during the formation of the transparent conductive layer.

The method of forming a transparent conductive layer comprises an ion beam method for forming a thin film structure at a low temperature, for example, the film can be formed at room temperature and has an acceptance of less than 3 x 104 ohm/cm, and a radio frequency magnetron sputtering film can also be used. Method (RF magnetron sputtered thin film method). The method of forming an antenna film such as indium tin oxide in the present embodiment can be formed in a humid air at room temperature based on cost considerations for manufacturing, and a desired pattern can be obtained at a high etching ratio. Film formation and patterning Thereafter, it will be heated at a temperature between 180 and 220 degrees Celsius for about one to three hours to reduce the electrical resistance of the film and increase its transparency. Another formation method is a chemical solution coating method comprising conductive particles having an average diameter of 1 to 25 μm, cerium oxide particles having an average diameter of 1 to 25 μm, and a solvent, cerium oxide or alumina particles and The weight ratio between the conductor particles is preferably between 0.1 and 1, and the conductive particles are preferably selected from the group consisting of gold, zinc, silver, palladium, platinum, rhodium, ruthenium, copper, iron, nickel, cobalt, tin, titanium. , indium, aluminum, antimony, gallium, antimony and antimony metals. The conductive particles can be obtained by diluting one or more of the aforementioned metal concentrations by dilution in an alcohol/water mixed solvent, and the temperature in the heating zone is higher than one hundred degrees Celsius. The alumina particles can increase the electrical conductivity of the conductive film, and the conductive film coating liquid contains 0.1% to 5% by weight of metal particles. A diluent such as ferrous sulfate, trisodium citrate, tartaric acid, or sodium boron hydride may be added during the dilution process. The transparent conductive film can be obtained by applying the above liquid to a substrate and drying it to obtain a transparent conductive particle layer to form a transparent film. The substrate is then adhered to the object. Or apply directly to the object. The coating liquid for forming the transparent conductive layer is applied to the substrate by dipping, spin coating, spraying, roller coating or flexographic printing, and then from room temperature to 90 degrees Celsius. To dry the liquid, the coated film is then baked at a temperature not lower than one hundred degrees Celsius or irradiated with electromagnetic radiation.

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.

10‧‧‧Non-contact close-range trading card

12‧‧‧IC

14‧‧‧Antenna

122‧‧‧ memory

12A‧‧‧ card number

12B‧‧‧effective date

12C‧‧‧ User related information

16‧‧‧Signal input/output contact interface

10A‧‧‧Non-contact close-range trading 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

The above aspects, as well as the advantages of the present invention, will be readily understood by the following detailed description. among them:

The first figure is a schematic diagram of a non-contact close-range transaction card in accordance with 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 of an automatic withdrawal device in accordance with the present invention.

The fourth figure is a schematic diagram of a non-contact transaction card configured for a mobile phone according to the present invention.

10‧‧‧Non-contact close-range trading card

12‧‧‧IC

14‧‧‧Antenna

122‧‧‧ memory

12A‧‧‧ card number

12B‧‧‧effective date

12C‧‧‧ User related information

16‧‧‧Signal input/output contact interface

50‧‧‧ Non-contact close-range card reader

52‧‧‧ coil

54‧‧‧Reader

56‧‧‧Internet interface

Claims (10)

A contactless transaction mobile phone, comprising: a user identification module card; the non-contact proximity transaction card has a base, the base comprises a transaction IC, independent of the user identification module or integrated into the user identification a module card coupled to a non-contact close-range transaction card reader external to the mobile phone for non-contact close-range transactions, wherein the IC stores transaction related information; the transaction software is stored in the mobile phone to process the transaction a display showing information of the transaction; and a non-contact proximity transaction reader external to the handset, non-contact coupled to the contactless proximity transaction card to facilitate contactless transactions of the handset. For example, the mobile phone of the non-contact transaction of claim 1 of the patent scope, wherein the material of the mobile phone antenna comprises a metal or a metal oxide. The mobile phone of the non-contact transaction of claim 2, wherein the metal is one or more selected from the group consisting of gold, zinc, silver, palladium, platinum, rhodium, iridium, copper, iron, nickel, cobalt, tin, titanium. , indium, aluminum, antimony, gallium, antimony and antimony metals. For example, the non-contact transaction type mobile phone of claim 1 of the patent scope, wherein the non-contact proximity transaction card includes a financial card or a credit card or stored value card information. For example, the non-contact transaction type mobile phone of claim 1 of the patent scope includes the identity card, driver's license, health insurance card or passport information. The mobile phone of the contactless transaction of claim 1 or 4 or 5, wherein the non-contact proximity transaction card can be credited with a non-contact credit card, wherein the non-contact proximity transaction card includes a card number and is valid. The term and the user information, wherein the transaction step of the mobile phone and the non-contact card swiping machine comprises: wirelessly contacting the non-contact card swiping machine with the non-contact close-distance transaction card, and the handheld device is in close proximity to the non-contact card swiping machine to perform non-contact Contact card transaction. The mobile phone of the contactless transaction of claim 1 or 4 or 5, wherein the non-contact close-range transaction card can be financially traded, wherein the non-contact proximity transaction card includes a card number, a bank account number and account information, wherein the non-contact The contact proximity transaction card can perform a withdrawal transaction with a non-contact cash dispenser, and the transaction step of the mobile phone and the non-contact cash dispenser includes: using the non-contact close-range transaction card and the non-contact cash machine wirelessly Contact, the non-contact close-range transaction card is placed close to the non-contact cash machine for non-contact withdrawal transactions. For example, the mobile phone of the non-contact transaction of Patent No. 1 in which the transaction software can display the transaction message, balance or time on the display. A contactless transaction mobile phone, comprising: a user identification module card, storing user identification information and integrating a non-contact close-range transaction card, coupled to a non-contact proximity transaction card reader, thereby performing non-contact Contact transaction; transaction software stored in the mobile phone to process the transaction; display, displaying information of the transaction; and the non-contact proximity transaction reader, non-contact coupled to the user Identify the module card to facilitate the contactless transaction of the phone. For example, the non-contact transaction card of claim 9 includes the financial card or credit card or stored-value card information or identity card or driver's license or health insurance card or passport information; when non-contact close-range When the card reader has insufficient balance, you may enter the cash deposit value or request it through the issuing bank.