U.S. patent application number 12/076891 was filed with the patent office on 2008-10-02 for mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal.
This patent application is currently assigned to SK Telecom Co., Ltd.. Invention is credited to Hae Seong Jang, Hye Soon Kim, Jae Jin Kim, Jung Won Lee, Ki Hyong Lee, Sang Woo Yu.
Application Number | 20080242355 12/076891 |
Document ID | / |
Family ID | 29273453 |
Filed Date | 2008-10-02 |
United States Patent
Application |
20080242355 |
Kind Code |
A1 |
Yu; Sang Woo ; et
al. |
October 2, 2008 |
Mobile terminal with user identification card including personal
finance-related information and method of using a value-added
mobile service through said mobile terminal
Abstract
The present invention enables a user to receive a financial
service anywhere through a mobile terminal equipped with a UIM
(User Identification Module) electronic card. In the present
invention, a user enters his or her password to a mobile terminal
with a UIM card including subscriber telephone number, finance,
authorization, and personal information, then, if the entered
password is correct, authorization is processed with a remote
authorizing server based on the authorization information. After
authorization, user's requesting service, e.g., payment service,
transaction particulars inquiry service, prepaid card recharging
service is conducted through a mobile network.
Inventors: |
Yu; Sang Woo; (Seoul,
KR) ; Lee; Ki Hyong; (Seoul, KR) ; Kim; Hye
Soon; (Seoul, KR) ; Lee; Jung Won; (Seoul,
KR) ; Jang; Hae Seong; (Sungnam-shi, KR) ;
Kim; Jae Jin; (Kimpo-shi, KR) |
Correspondence
Address: |
LOWE HAUPTMAN HAM & BERNER, LLP
1700 DIAGONAL ROAD, SUITE 300
ALEXANDRIA
VA
22314
US
|
Assignee: |
SK Telecom Co., Ltd.
|
Family ID: |
29273453 |
Appl. No.: |
12/076891 |
Filed: |
March 25, 2008 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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10512548 |
Dec 29, 2004 |
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PCT/KR02/01368 |
Jul 22, 2002 |
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12076891 |
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Current U.S.
Class: |
455/558 |
Current CPC
Class: |
G06Q 20/3415 20130101;
G06Q 20/3223 20130101; H02J 7/0042 20130101; G07F 7/1008 20130101;
G06Q 40/02 20130101; G06Q 20/16 20130101; G06Q 40/00 20130101; H01M
10/0525 20130101; G06Q 20/3229 20130101; G06Q 20/045 20130101; G06Q
20/32 20130101; G06Q 20/102 20130101; G06Q 20/40 20130101; H01M
2010/4271 20130101; Y02E 60/10 20130101; G06Q 20/341 20130101; H04L
67/04 20130101; G07F 7/0886 20130101; G06Q 30/06 20130101; H01M
10/425 20130101; H01M 50/209 20210101; G06Q 20/349 20130101 |
Class at
Publication: |
455/558 |
International
Class: |
H04M 1/00 20060101
H04M001/00 |
Foreign Application Data
Date |
Code |
Application Number |
Apr 24, 2002 |
KR |
2002-0022469 |
May 6, 2002 |
KR |
2002-0024735 |
Jun 5, 2002 |
KR |
2002-0031751 |
Claims
1-7. (canceled)
8. A method for issuing and managing IC cards using a mobile
terminal equipped with a UIM card containing finance information
through data communication between a server for issuing an IC card
and the mobile phone capable of attachment and detachment of an IC
chip authorized by the server, comprising: a first step, conducted
by the server in case of reception of a request message for issuing
an IC card transmitted through wired Internet, wireless Internet-or
offline to said server, of giving the corresponding user a
particular personal identification information and notifying the
corresponding mobile phone designated by the issuing request
message of the fact that the mobile terminal is the current object
of issuing; a second step, conducted by the designated mobile phone
in case of reception of said notification message, of transmitting
encrypted personal identification information to said server; a
third step, conducted by the server, of deciding whether or not
said given personal identification information is identical to said
received personal identification information; carrying out a mutual
authorization process according to the agreement predetermined
between the IC chip installed in said designated mobile phone and
said server, when the decision is made to be identical at the third
step; downloading an application program validating said requested
IC card from said server to said mobile phone after mutual
authorization at the previous stage; downloaded application program
into the memory of said installed IC chip and thus enabling the use
of said IC card and transmitting the result of said downloading to
said server; and a seventh step, conducted by the said server in
case of reception of said downloading completion message, of
completing the registration process for real-time use by providing
the corresponding server of the corresponding issuer with
information indicating the completion of issuing said IC card.
9. The method according to claim 8, further comprising: an eighth
step, conducted by the said mobile phone, of notifying said server
of the request for canceling in the case of entrance of information
about a cancel key and a secret key agreed for the identification
of the user; a ninth step, conducted by the server based on said
notified request, of transmitting a delete command containing
information about the agreed cancel key to said mobile phone to
delete said stored application program; a tenth step, conducted by
the said mobile phone, of authenticating said delete command based
on said cancel key information and deleting said stored application
program according to the result of authentication and upon
completion of said deletion, transmitting the completion
information to said server; and a eleventh step, conducted by the
said server, of providing the corresponding server of the
corresponding issuer with card cancellation information according
to said received deletion completion information, thereby making
the cancellation completed in real-time.
10. The method according to claim 8, wherein said notification
about the issuing object is accomplished by a short message.
11. The method according to claim 8, wherein the said server of
said issuer communicates with the corresponding distribution
terminal in association with the server based on said registration
information for real-time use.
12. The method according to claim 11, wherein using of said IC card
is carried out by said mobile phone communicating wirelessly with
said distribution terminal according to said downloaded application
program.
13. The method according to claim 12, wherein said wireless
communication is of infrared transmission system.
14-21. (canceled)
Description
1. TECHNICAL FIELD
[0001] The present invention relates to a method for payment and
recharging using a mobile terminal equipped with a UIM (user
identification module) card. Particularly, the present invention is
directed to a mobile terminal equipped with a UIM card containing
finance information and a method using the same so that the UIM
card containing a number of finance and authorization information
can be attached to a mobile terminal and both online and offline
payment and recharging service can be provided by making use of a
local wireless communication module.
2. BACKGROUND ART
[0002] In general, payment by an IC card (credit card, debit card,
prepaid card, or traffic card) or recharging thereof can be
processed only through a dedicated terminal. In case of online
payment through the Internet, too, approval of payment can only be
obtained by entering a card number and expiration date after
purchasing goods at the corresponding shopping mall. A method
utilizing a card, however, suffers from a problem that the card
number can be exposed to others by, e.g., hacking because both card
number and expiration date are entered at the time of payment for
purchasing amount.
[0003] A system to resolve the aforementioned problem is disclosed
in Korean Laid-Open Patent Application No. 2000-37185. The
disclosed system enables prepaid transactions by embedding an RF
chip for a non-contact type prepaid card with an identification
number into a mobile communications terminal, with which occasional
inquiry into the balance of the prepaid card and recharging thereof
are carried out through the Internet. The disclosed system has
several advantages such that since a non-contact type RF chip and
antenna coil are embedded into a mobile communications terminal,
there is no need to carry a card; inquiry into the balance
information stored in the RF memory chip can be carried out through
a Web server as well as a service terminal; and even recharging can
also be fulfilled through a Web server instead of visiting a
recharging station for a prepaid card at each and every occasion.
However, since said RF chip dose not record monetary information
except for the card identification number and actual monetary
information according to the card identification number is stored
in a Web server, a terminal at a membership store should make a
reference to the Web server for the balance information, after
which subsequent transactions are conducted; accordingly, the
disclosed system is not well suited for the application to a
traffic card of a bus or a subway where prompt transactions are
demanded. Moreover, the disclosed system is no more than a mobile
phone equipped with a pre-existing RF card so that interactions
with a mobile phone are not implemented; therefore, a user can only
carry out simple functions of making a reference to the Web server
for the inquiry into the balance information and recharging by
using the card identification number given at the time of
subscription or purchase of the mobile phone.
[0004] In Korean Laid-Open Patent Application No. 1998-46928, an
electronic purse card operating system is disclosed wherein, by
embedding a combi-chip comprising a contact type and non-contact
type smart card into a mobile device, functions of balance check,
subtraction payment, and addition recharging are conducted by the
contact type smart card, while balance check and subtraction
payment are conducted by the non-contact type smart card. A
recording area for electronic purse information of said two smart
cards is synchronized so that identical electronic purse
information is utilized, whereby convenience and promptness in
usage and stability and security in data processing can be
improved. However, the disclosed system also reveals a problem that
since available money for payment is confined to the balance stored
in the recording area of the combi-chip for electronic purse
information, it can only be applied to a prepaid card; therefore,
application areas are limited.
3. DISCLOSURE OF INVENTION
[0005] The object of the present invention to resolve said problem
is to provide a mobile terminal equipped with a user identification
module card containing finance information and a method using the
same so that payment of finance information and recharging through
wireless communication are enabled by storing various finance
information into a detachable user identification module card.
[0006] A further object of the present invention is to provide a
battery pack with an IC card containing subscriber information,
thereby providing a mobile communications service according to the
present invention without change in the design or structure of the
mobile terminal.
[0007] In a method for utilizing a mobile terminal capable of
insertion, decryption, and recording of the user identification
module card containing a mobile identification number, finance,
authorization, and personal information; and Internet access
through wireless communication and local area wireless
communication using a local area communication module, a method for
utilizing a mobile terminal equipped with a user identification
module card containing finance information to achieve said
objective is characterized in that it comprises the steps of:
reading mobile identification number, finance, authorization, and
personal information stored in the user identification module card
inserted into the user identification module card slot of the
mobile terminal and deciding whether or not the entered user
password is identical; when the decision is made to be identical,
displaying menus of payment service, transaction particulars
inquiry service, prepaid card recharging service, ticket issuing
and utilization service or traffic card issuing and utilization
service, thereby allowing the user to select his or her desired
service; and according to said service selected by the user,
providing the corresponding service by making an access to a
service providing system through the Internet.
[0008] A mobile terminal equipped with a user identification module
card containing finance information is also characterized in that a
mobile terminal capable of wireless data communication through
Internet access as well as voice communication comprises a user
identification module card containing a mobile identification
number, finance, authorization, and personal information; and a
user identification module card slot where said user identification
module card is inserted and recording and decryption of information
stored in the memory of the inserted user identification module
card are performed.
[0009] In addition, a battery pack of a mobile terminal according
to the present invention is characterized in that it comprises a
bottom casing which has its bottom outer face engaged with a
battery housing compartment of the mobile terminal and a battery
cell container having an opening in the top face; a printed circuit
board installed on the top face of said cell in said container
separated by an insulator; a top casing covering the top face of
said container engaged with the upper part of said bottom casing
while securing fixed dimensions of space over the top face of said
printed circuit board and forming an opening at one face of said
space; a palette having an IC chip holder on the top face thereof
and capable of entering and exiting said space through said
opening; and a connector connecting said IC chip and said printed
circuit board when said palette equipped with said IC chip is
inserted into said space.
[0010] According to the present invention characterized in said
manner, because various card information is stored in a single user
identification module card inserted into a mobile terminal, there
is no need to carry a number of cards for payment and by making use
of the communication function of the mobile terminal, payment can
be processed even at a place where a card reader is not readily
available. Moreover, when payment is processed by using a local
area communication module of the mobile terminal, an effort of
inserting a card into a payment terminal can be relieved. In
addition, revelation of the card number or password during payment
process can be avoided, while at the same time, a roaming service
for finance information can be made possible as well as
communication roaming service.
[0011] In addition, by enabling issuing and cancellation of various
cards and IDs to be processed inside a mobile terminal through a
wireless communications network, time and manual labor dedicated to
card issuing affairs can be saved and cards management work can be
simplified.
[0012] Finally, since a battery pack according to the present
invention enables attachment and detachment of an IC chip without
modifying the mechanical or electrical structure of a CDMA mobile
terminal which is in wide spread, potential for mass production of
a mobile terminal is extremely increased.
4. BRIEF DESCRIPTION OF DRAWINGS
[0013] In the drawings:
[0014] FIG. 1 is a diagram illustrating a simplified structure of
the entire system according to the present invention;
[0015] FIG. 2 is a diagram illustrating a simplified structure of a
mobile terminal according to the present invention;
[0016] FIGS. 3 and 4 are diagrams illustrating an embodiment of a
payment system using a local area communication module according to
the present invention;
[0017] FIG. 5 is a flowchart illustrating a procedure to use
various services provided by a mobile terminal according to the
present invention;
[0018] FIG. 6 is a flowchart illustrating a payment process using a
credit card according to a first embodiment of the present
invention;
[0019] FIG. 7 is a flowchart illustrating a payment process using a
debit card according to a second embodiment of the present
invention;
[0020] FIG. 8 is a flowchart illustrating a payment process using a
prepaid card according to a third embodiment of the present
invention;
[0021] FIG. 9 is a flowchart illustrating a procedure for
recharging a prepaid card according to a fourth embodiment of the
present invention;
[0022] FIG. 10 is a flowchart illustrating a procedure for issuing
a ticket according to a fifth embodiment of the present
invention;
[0023] FIG. 11 is a flowchart illustrating a procedure to use a
ticket according to a sixth embodiment of the present
invention;
[0024] FIGS. 12 and 13 are diagrams illustrating examples
displaying transaction particulars inquiries according to the
present invention;
[0025] FIG. 14 is a flowchart illustrating a procedure for issuing
an IC card according to a seventh embodiment of the present
invention;
[0026] FIG. 15 is a flowchart illustrating a procedure for
canceling an IC card according to an eighth embodiment of the
present invention;
[0027] FIG. 16 is a sectional view of a battery pack for a mobile
terminal wherein an IC chip can be mounted according to an
embodiment of the present invention;
[0028] FIG. 17 is a diagram illustrating a usage of a battery pack
with the structure thereof shown in FIG. 16, where the battery pack
is installed in a battery housing compartment of a mobile terminal
according to the present invention;
[0029] FIG. 18 is a diagram illustrating a battery pack of a mobile
terminal wherein an RF receiving antenna is embedded according to
an embodiment of the present invention, more specifically, the
structure of a battery pack wherein an IC chip having a traffic
card function is installed; and
[0030] FIG. 19 is a diagram illustrating a battery pack of a mobile
terminal wherein an RF receiving antenna is embedded according to
another embodiment of the present invention and illustrates a
structure when an IC chip having a traffic card function is
installed inside the main body of a mobile terminal.
5. MODES FOR CARRYING OUT THE INVENTION
[0031] Hereinafter, preferred embodiments of the present invention
will be described in detail with reference to appended
drawings.
[0032] FIG. 1 is a block diagram illustrating a simplified
structure of the entire system according to the present invention
comprising a mobile terminal 10, a payment terminal 30, a card
issuing company 40, a financial institution 50, a shopping mall 60,
and a service providing system 70.
[0033] The said mobile terminal 10, equipped with an apparatus
(slot) capable of installing and decrypting a user identification
module (hereinafter, referred to as UIM) card 12 and a local area
communication module capable of local area wireless communications,
can make an access to the Internet and by using authorization
information and finance information of said UIM card read out
through wireless communications, carries out functions such as
payment of purchased goods, recharging the balance of said UIM
card, ticketing, and transaction particulars inquiry. In the memory
of said UIM card 12 recorded are authorization information such as
a mobile identification number, private identification number
(hereinafter, referred to as PIN), and a certificate; and personal
information such as a user name, address, and contact number; also
stored are finance information of various IC cards (credit card,
debit card, prepaid card, traffic card). The UIM card 12 is
equipped with a microprocessor and memories so that storing and
updating finance information are possible. In the FIG. 1, for the
purpose of brevity, constituting elements such as a mobile
communications base station and a telephone exchange system of a
mobile telecommunication company which appear prior to the Internet
access have been omitted.
[0034] The said payment terminal 30 is similar to CAT (Credit
Authorization Terminal) installed at a membership store and is
equipped with a local area wireless communication module to
communicate with said mobile terminal 10. The said payment terminal
30 is connected to a card issuing company 40 or a financial
institution 50 through the Internet or VAN (Value Added Network)
which is not shown in the drawing.
[0035] The said card issuing company 40 and financial institution
50 carry out the functions such as approval of payment for
purchased goods and recharging the balance of a UIM card 12 using
finance and authorization information stored in the UIM card
12.
[0036] The said shopping mall 60 is a merchandise sales system
providing online purchase and payment and carries out different
processes according to the information about payment means received
from the user, i.e., finance information of a UIM card 12:
authorization is received by a card issuer 40 in case of a credit
card; approval of a transaction is confirmed by the corresponding
financial institution 50 in case of a debit card; and in case of a
prepaid card, the balance remained in the UIM card 12 is checked
and if appropriate, the payment process is completed and purchased
goods are shipped by using personal information read out and
received from said UIM card 12.
[0037] The said service providing system 70 communicates with said
mobile terminal 10 connected to the Internet 20 and provides
various services in association with a card issuer 40, a financial
institution 50, and a shopping mall 60 by making use of
authorization information, personal information, and finance
information of an inserted UIM card 12. The said service providing
system 70 comprises a payment processing system 72 handling payment
for purchased goods or services, a prepaid card recharging system
74 recharging the balance of a prepaid card of the UIM card 12, a
ticket issuing system 76 allowing ticket reservation using finance
information of the UIM card 12 and transmitting information about
reserved tickets to said mobile terminal 10, and a traffic card
issuing system 78 providing services intended for a traffic card
for expressway, subway, or bus.
[0038] FIG. 2 is a diagram illustrating a simplified structure of a
mobile terminal according to the present invention. FIGS. 3 and 4
are diagrams illustrating an embodiment of a payment system using a
local area communication module according to the present
invention.
[0039] A mobile terminal 10 according to the present invention,
without modifying an ordinary mobile terminal, can detach, attach,
and decrypt a UIM card 12 wherein authorization information,
finance information, and personal information are stored. The
mobile terminal 10 is equipped with a UIM card slot 102 through
which data can be recorded into the UIM card and a local area
communication module 105 capable of local area wireless
communication with a payment terminal 30. The said local area
communication module 105 can employ a communication system using
RF, IrDA (Infrared Data Association), or Bluetooth. Payment,
recharging, and ticket reservation through the Internet utilize
existing communications part of the mobile terminal.
[0040] As shown in FIGS. 3 and 4, payment is accomplished by
communicating with a local area communication module 32 installed
in a payment terminal 30. FIG. 3 shows the payment terminal 30
installed at an ordinary store and FIG. 4 shows the payment
terminal installed at an entrance gate of a theater or a subway
station.
[0041] FIG. 5 is a flowchart illustrating a procedure to use
various services using a mobile terminal according to the present
invention.
[0042] First, a UIM card 12 is inserted into the UIM card slot 102
of a mobile terminal S100. After insertion of the UIM card 12, the
mobile terminal 10 decides whether or not the UIM card 12 is
recognizable and insertion has been correctly made; when it turns
out to be incorrect, the mobile terminal generates a fault message
notifying the user of a card insertion failure S102; otherwise,
finance information, authentication information, and personal
information stored in the memory of the UIM card 12 are read out
S103. Next, a password is requested to verify whether or not he or
she is a valid user and after the entrance of a password S104, a
decision is made whether or not it is identical to the password
read out from authorization information S105. When the entered
password is not correct, a denial message is displayed S106 and
re-entry of a password is requested to the user. In case of a
correct password, a service menu is displayed and the user's
selection for a service is awaited. The user selects a desired
service from displayed menus such as payment S108, transaction
particulars inquiry S109, prepaid card recharging S110, ticket
issuing and using S111, and traffic card issuing and using
S112.
[0043] Hereinafter, each service will be described in more
detail.
[0044] FIGS. 6 to 8 are service flowcharts when a user selects the
payment service from said service menus. It is assumed that steps
prior to payment such as choosing particular goods to purchase and
selecting a payment means have been completed.
[0045] FIG. 6 is a flowchart illustrating a payment procedure using
a credit card according to a first embodiment of the present
invention.
[0046] When the payment processing system 72 of a service providing
system sends a payment start instruction, the user enters
purchasing information such as a shopping mall, purchasing list and
purchased amount and carries out requisite operations for payment.
At this time, purchasing information may be handled so that it can
be automatically filled in at the shopping mall. After operations
for payment have been accomplished by the user, credit card
information and authorization information read out from the UIM
card 12 through the S103 procedure described in FIG. 5 are
transmitted to the payment processing system 72. The payment
processing system 72 requests a credit inquiry to a card issuer 40.
If approval for card use is received according to the result of the
credit inquiry, the payment processing system 72 makes a payment
request and completes the payment process. After payment is
completed and a confirmation message for payment is transmitted to
the mobile terminal 10, the mobile terminal 10 displays the
confirmation message for payment to the user and stores the payment
particulars into the memory of the UIM card 12.
[0047] FIG. 7 is a flowchart illustrating a payment procedure using
a debit card according to a second embodiment of the present
invention. FIG. 8 is a flowchart illustrating a payment procedure
using a prepaid card according to a third embodiment of the present
invention.
[0048] As shown in FIG. 6, the user who received the payment start
instruction from the payment processing system 72 enters purchasing
information and carries out requisite operations for payment. Then,
the mobile terminal 10 transmits debit card information and
authorization information read out from the UIM card 12 to the
payment processing system 72. The payment processing system 72
makes a registration inquiry and requests balance information to
the corresponding financial institution 50; the payment processing
system 72 compares the balance of the user's account of the
corresponding financial institution 50 with the payment amount. If
the account has an insufficient balance, the payment processing
system 72 carries out a payment failure processing, whereas, if the
balance is more than the payment amount, the payment processing
system 72 requests a payment to the financial institution. After
completion of the payment, the payment processing system 72
transmits a confirmation message for payment to the mobile terminal
10 so as to display the message to the user. The mobile terminal 10
stores payment particulars into the memory of the UIM card 12 after
completion of the payment.
[0049] The payment procedure using a prepaid card is similar to
said FIG. 7. It is different from that of FIG. 7 in that balance
information is not received from the financial institution 50, but
balance information of a prepaid card in the UIM card is received
directly from the mobile terminal 10; after completion of payment,
the balance of the prepaid card in the UIM card 12 subtracted by as
much as the payment amount is stored by the mobile terminal 10.
[0050] Prior to the aforementioned payment service, if a shopping
mall employed a method to obviate the user's manual entrance of
personal information such as merchandise delivery address by
automating the transmission of personal information in the UIM card
12, payment processing would be more simplified.
[0051] FIG. 9 is a flowchart illustrating a recharging procedure
for a prepaid card according to a fourth embodiment of the present
invention.
[0052] A prepaid card recharging system 74 which received a request
for recharging a prepaid card from the user issues a recharging
start instruction to the mobile terminal 10. The user transmits
recharging request information such as a desired recharging amount,
a correspondent financial institution, account information, and
authorization information to the prepaid card recharging system 74.
In this case, too, it would be desirable that information except
for the recharging amount is read out from the UIM card 12 and
transmitted. By using transmitted information, the prepaid card
recharging system 74 makes an access to the corresponding financial
institution 50 and requests a balance inquiry; the financial
institution 50 transmits balance information of the corresponding
account. The prepaid card recharging system 74 compares the desired
recharging amount which the user has entered with the balance of
the corresponding account; if the balance turns out to be
insufficient, the prepaid card recharging system 74 carries out a
recharging failure processing, whereas, if the balance is more than
the recharging amount, the prepaid card recharging system 74
requests recharging to the financial institution 50 functioning the
same as an account transfer request. In case of acceptance of the
recharging request, the prepaid card recharging system 74 transmits
a confirmation message for recharging to the mobile terminal 10.
The mobile terminal 10 which received the confirmation message for
recharging updates balance information of the prepaid card in the
UIM card 12 by adding the recharging amount; then, the mobile
terminal 10 displays the confirmation message for recharging to the
user and stores recharging particulars into the memory of the UIM
card 12.
[0053] This procedure is identical to that of recharging a traffic
card using a traffic card issuing system 78.
[0054] FIG. 10 is a flowchart illustrating a procedure for issuing
tickets according to a fifth embodiment of the present invention
and FIG. 11 is a flowchart illustrating a procedure for using
tickets according to a sixth embodiment of the present
invention.
[0055] The said ticket issuing denotes reservations for various
cultural performances or movie tickets.
[0056] When the user selects the ticket issuing and using menu
shown in FIG. 5 and requests ticket purchasing, the mobile terminal
10 transmits a signal of ticket purchasing request to a ticket
issuing system 76. The ticket issuing system 76 which received the
request provides the mobile terminal 10 with information about
tickets available for purchasing (contents of the performance,
available seats, or price). The user selects a ticket to purchase
from among displayed ticket information and further selects a
payment means from among credit card, debit card, and prepaid card.
After completion of selecting a ticket and a payment means by the
user, the mobile terminal transmits the corresponding information
(information about the selected ticket and the payment means) to
the ticket issuing system 76. The ticket issuing system 76
completes the payment process through said procedure of FIG. 6,
FIG. 7, or FIG. 8 according to the transmitted information and
issues the purchased ticket to the mobile terminal 10. The mobile
terminal 10 displays information about the issued ticket and stores
transaction particulars and ticket information into the memory of
the UIM card 12.
[0057] A procedure for using the tickets issued from such procedure
is described below.
[0058] If the user carries out ticket presentation operations with
the mobile terminal 10 before passing through a gate, the mobile
terminal 10 transmits ticket information stored in the memory of
the UIM card 12 to the payment terminal 30 installed at the gate.
The payment terminal of the gate authenticates transmitted ticket
information with a subsequent approval of the ticket and transmits
an approval message to the mobile terminal 10, thereby displaying
the approval message to the user. After completion of the
transmission of the approval message, the payment terminal 30 of
the gate transmits information indicating ticket use to the ticket
issuing system 76 and displays a ticket use message on the mobile
terminal 10. When all the procedure has been done, a gate bar, for
example, is opened and the user is allowed to proceed.
[0059] FIGS. 12 and 13 are diagrams illustrating examples of
display window for transaction particulars inquiries according to
the present invention.
[0060] When transactions such as said payment, recharging a prepaid
card or a traffic card, and ticket reservation are settled,
consequent particulars are all stored in the memory of the UIM card
12 as described previously. The stored information can be displayed
assorted according to particular service categories as shown in
FIG. 12 or FIG. 13. Or, it can be displayed assorted according to a
particular search condition such as date, amount, and transaction
particulars.
[0061] The amount of money paid during said payment, ticketing, or
recharging a traffic card or a prepaid card may be demanded added
to the communications expenses (for example, a telephone bill) of
the mobile terminal 10 instead of settlement by a financial
institution.
[0062] In addition, since information such as a mobile
identification number (MIN) and PIN is stored in said UIM card 12,
even if it is inserted into another mobile terminal 10, the user
can use the aforementioned services with his or her own mobile
terminal 10 without complicated procedures. Therefore, roaming
services both for communications and finance information can be
provided.
[0063] FIG. 14 is a flowchart illustrating a procedure for issuing
an IC card according to a seventh embodiment of the present
invention. It is intended that through a wireless communications
network or Internet, an IC card such as various identification
cards, a license, or a credit card is issued and used online or
offline. The present embodiment describes a procedure for issuing a
credit card as a specific example of the IC card issuing procedure.
In FIG. 14, the reference number 141 is installed in said service
providing system 70 of FIG. 1 and the reference number 142 is
installed in said card issuing company 40 of FIG. 1.
[0064] First, if a message of card issuing request from an
applicant is received at said IC card issuing server 141 through
the wireless Internet based on WAP or wired Internet based on Web
S301, the said issuing server 141 registers the PIN (Personal
Identification Number) of the particular applicant based on said
received message of card issuing request; thereafter, the said
issuing server 141 provides said applicant with the PIN through WAP
or Web and closes the connection with the applicant.
[0065] Subsequently, said issuing server 141 sends a request to a
SMSS (Short Message Service Server) (not shown) of said wireless
communications network 20 to notify the corresponding mobile
terminal 10 designated by said received message of card issuing
request that the applicant is the object of the IC card issuing
S303. The said SMSS notifies said mobile terminal 10 of said
requested notification about the issuing object through SMSC (Short
Message Center) (not shown) in the form of a short message
S304.
[0066] The said mobile terminal 10 recognizes that it is the
issuing object based on said received SMS message. If said PIN
information is entered by the user of said mobile terminal 10, the
mobile terminal 10 transmits the entered PIN information to said
issuing server 141 S306.
[0067] The said issuing server decides whether or not the received
PIN information from said mobile terminal 10 is identical to said
registered PIN information and if the result turned out to be
non-identical, closes the transaction S307.
[0068] Next, if the PIN information is found to be identical at
said S307 stage, a mutual authorization process is carried out
according to the agreement predetermined by cryptogram so as to
authenticate the mutual validity of the IC chip embedded in said
mobile terminal 10 (namely, the UIM card 12) and said issuing
server 141.
[0069] After the mutual authorization between said IC chip 12 and
said issuing server 141 has been completed in said S308 stage, the
said issuing server 141 selects an application program to enable
the use of said requested IC card and downloads it to said mobile
terminal 10 S310. The said mobile terminal 10 stores the said
downloaded application program into the memory of said IC chip 12
and responds by notifying the said issuing server 141 of the
completion of the storing process S311.
[0070] Finally, upon receiving the response from said S311 stage,
by providing the server of the corresponding card company 412 with
the information indicating the completion of said IC card issuing
S312, thereby accomplishing the registration for the use of said
issued IC card in real-time, the said issuing server 141 allows the
said IC card to be used between said mobile terminal 10 and said
payment terminal 30 belonging to said server of the card company
142 by wireless communication such as IrFM communication system
S313.
[0071] In case of a transaction using the aforementioned IC card in
said S313 stage, the server of said card company 142 communicates
with said payment terminal 30 as the corresponding distribution
terminal in association with the server 142 based on the
information about said registered IC card for use. The said mobile
terminal 10 communicates wirelessly in the form of an IrFM message
with said payment terminal 30 based on said application program,
thereby enabling said IC card to be used according to its
purpose.
[0072] FIG. 15 is a flowchart illustrating a procedure for
canceling an IC card according to an eighth embodiment of the
present invention, more specifically, the procedure of canceling
the IC card issued through the procedure described in FIG. 14.
[0073] The said mobile terminal 10, when the predetermined
canceling key is entered S401, generates a request for the entrance
of the PIN so as to identify the user by displaying a message such
as "Enter the PIN input" on a window S402. After the PIN has been
entered S403, the said mobile terminal 10 decides whether or not
the entered PIN information is identical to the preset PIN
information S404 and if the result turned out to be non-identical,
requests a re-entrance, whereas, when they are found to be
identical, the said mobile terminal 10 transmits a notification
message of cancellation request to said issuing server 141
S405.
[0074] The said issuing server 141 transmits a message of a delete
command of the corresponding application program to cancel the IC
card to said mobile terminal 10 with the encrypted cancel key of
the issuer S406.
[0075] The said mobile terminal 10 carries out authentication of
said received cancel key transmitted according to the predetermined
cryptogram S407 and makes a decision on the authentication result
S408. When the authentication is completed normally, the said
mobile terminal 10 deletes the application program as said IC card
downloaded and in use from said S409 stage of FIG. 14 S409 and
transmits a response message notifying the said issuing server 141
of the completion of the deletion S409.
[0076] The said issuing server 141 delivers information about the
cancellation of the card based on said received response message of
the delete completion to the server of the card company 142 as an
issuer S410. The said server of the card company 142 decides
whether or not payment balance exists in the IC card to be
cancelled S411. If it turns out that no payment balance remains,
the cancellation process is completed S413, whereas, if the payment
balance exists, the cancellation is retained S414.
[0077] FIG. 16 is a sectional view of a battery pack for a mobile
terminal wherein an IC chip can be installed according to an
embodiment of the present invention. An IC (Integrated Circuit)
chip (namely, the UIM card shown in FIG. 1) having various
functions can be attached to and detached from the battery pack of
the mobile terminal so that when the mobile terminal equipped with
the battery pack having an embedded IC chip is used, various
functions offered by the corresponding IC chip can be utilized.
[0078] As shown in the same figure, the battery pack 600 according
to the present invention comprises a bottom casing 610, a battery
cell 620, a printed circuit board 630, a connector 640, a top
casing 650, a palette 660, an IC chip 670, a foreign material
protector 680, and insulators 691-693 insulating necessary parts
between constituting elements.
[0079] The said bottom casing 610 is composed of a planar bottom
face 611 and side faces 612 forming the side part extended from the
boundary of the bottom face 611, thereby the said bottom face 611
and said side faces 612 forming a container 613 as an inside
space.
[0080] The said battery cell 620 is composed of ordinary Li-ion
(Lithium ion) cells and installed in the bottom part of said
container 613 with its exterior faces insulated by insulators
691-692.
[0081] The said printed circuit board 630 sits on the top face of
said battery cell 620 and installed parallel to the top face of
said battery cell 620 at the entrance side inside said container
613 with its boundary firmly fixed to said side faces 612.
[0082] The said connector 640 electrically connects said printed
circuit board 630 and said IC chip installed in said palette 660.
The said connector 640 is installed so that electrical signals of
said IC chip 670 through said printed circuit board 630 are
connected to the outside.
[0083] The said top casing 650 is composed of a planar top face 651
and a side part 652 forming side faces extended downwardly from the
boundary of the top face 651. The said side part is so formed that
three faces out of the four side faces thereof match the three
faces of said side part 612 of said bottom casing and abutting
faces are assembled such that they are firmly bonded each other by
a bonding part 694. The remaining face out of the four faces of
said side part 652 is open and the opened face forms an opening 653
with the dimension measured up to the downward length of said side
part 652.
[0084] The said palette 660 has a holder 661 on the top face
thereof wherein said IC chip 670 can be installed and can enter and
exit through said opening 653 formed on one face of said top casing
650. In case said palette 660 is inserted and installed through
said opening 653 after said IC chip 670 is installed, the palette
660 is connected to said connector 640, while it is located at the
top face of said printed circuit board 630, thereby making said IC
chip 670 and said printed circuit board 630 electrically connected
through said connector 640.
[0085] The said foreign material protector 680 is so formed that a
small groove is carved at the upper end of one of side faces of
said bottom casing, thereby forming the entrance of said opening
653. The said insulators 691-693 are formed at the top face and
bottom face of said battery cell 620 and positioned between said
printed circuit board 630 and said palette 660, thereby insulating
them.
[0086] FIG. 17 is a diagram illustrating the use of said battery
pack 600 assembled according to the diagram of FIG. 16, where said
battery pack 600 is installed in the battery housing compartment of
a mobile terminal 10.
[0087] In the following, the functions of a mobile terminal 10
according to the present invention equipped with said battery pack
assembled as shown in FIG. 16 will be described.
[0088] First, after said palette 660 is extracted through said
opening 653 and said IC chip 670 is installed in said holder 661 of
the palette 660, if the palette 660 with the IC chip 670 installed
is inserted in the reverse of said extraction direction through
said opening 653, the said IC chip 670 and said printed circuit
board 630 is electrically connected through said connector 640.
[0089] As shown in FIG. 17, if the battery pack 600 in said
description is installed in the battery pack housing compartment of
said mobile terminal 10, the said printed circuit board 630 and the
internal circuit of said mobile terminal 10 are connected through
said connector 640; thus, various functions can be realized
according to the circuit design of said IC chip 670.
[0090] FIG. 18 is a diagram illustrating a battery pack for a
mobile terminal with an embedded RF receiving antenna according to
an embodiment of the present invention and describes a structure
where an IC chip functioning as a traffic card is installed within
the battery pack. More specifically, it describes a battery pack
for a mobile terminal with an embedded RF receiving antenna, where
the structure of a traditional battery pack has been modified so as
to provide traffic and financial services by installing an RF
receiving antenna for RF communication of said local area
communication module 105 shown in FIG. 2 into the battery pack for
the mobile terminal.
[0091] As shown in FIG. 18, the battery pack with an embedded RF
receiving antenna comprises a battery pack 810 equipped with an IC
chip (not shown in FIG. 18) and a printed circuit board 820
equipped with a function of an RF receiving antenna installed on
one face of said battery pack 810.
[0092] The said printed circuit board 820 is composed of an IC chip
connector 821 with multiple pins 1-8 used for signal connection
with said IC chip; an impedance matching circuit block 822
connected to antenna pins 4, 8 of said connector 821 used for
impedance matching between the antenna and feeder; a loop antenna
823 formed by the connection to said antenna pins 4, 8; and an
ordinary circuit block 824 comprising a battery protection circuit
block for the safety of said battery and a microcontroller (u-COM)
circuit block controlling said IC chip. The said printed circuit
board 820 is installed on one of faces of said battery pack 810 in
order for said connector 821 of said printed circuit board 820 to
be connected to said IC chip.
[0093] The said loop antenna 823 is made of wires 823b wound along
a loop-shaped groove formed along the periphery of said printed
circuit board 820. The loop-shaped groove is connected to the
antenna pins 4, 8 of said antenna.
[0094] The said ordinary circuit block 824 basically comprises a
battery protection circuit block responsible for the safety of the
battery and a microcontroller circuit for the access and control of
the IC chip.
[0095] The said connector 821 is a spare terminal to be used for
the case when the connector pins 1, 2, 3, 5, 6, 7 electrically
connecting said microcontroller circuit and said IC chip for the
control thereof are not sufficient or another function in addition
to the original function of IC chip connection is required. The
said connector 821 is composed of the antenna pins 4, 8
electrically connecting said RF loop antenna 823 and said IC chip
in the present embodiment.
[0096] The said impedance matching circuit block 822 is the most
important part of the RF antenna technology. A proper impedance
matching is crucial in order for radio waves to be emitted into the
air through an antenna. For this purpose, the said impedance
matching circuit block 822 is made of the combination of inductors
and capacitors.
[0097] To illustrate the function of the battery pack integrated as
shown in FIG. 18 according to an embodiment of the present
invention, various functions implemented in the IC chip are carried
out by communication between the IC chip embedded in said battery
pack 810 (refer to the structure illustrated in FIG. 16) and the
microcontroller in said ordinary circuit block 824 through said
pins 1-3, 5-7 of said connector; when the IC chip functions as a
traffic card, the said IC chip and said RF loop antenna 823 are
connected through said antenna pins 4, 8 and the said impedance
matching circuit block 822 conducts impedance matching between the
two, thereby emitting radio waves optimized for RFID, whereby the
IC chip communicates with a traffic terminal for payment of traffic
charges (for example, a traffic terminal as a non-contact type fare
terminal installed at the entrance and exit of a bus or a subway
station). Accordingly, by installing the battery pack structured as
shown in FIG. 18 into a mobile terminal, not only a necessary
operating power can be provided but the function of an IC card
(i.e., a UIM card) such as a traffic card or a credit card can be
obtained as well.
[0098] FIG. 19 is a diagram illustrating a battery pack for a
mobile terminal equipped with an RF receiving antenna according to
another embodiment of the present invention and describes a
structure where an IC chip functioning as a traffic card is
installed in the main body of the mobile terminal. More
specifically, it describes the battery pack for a mobile terminal
with an embedded RF receiving antenna, where the structure of a
traditional battery pack has been modified so as to provide traffic
and financial services by installing an RF receiving antenna for RF
communication of said local area communication module 105 shown in
FIG. 2 into the battery pack for the mobile terminal.
[0099] As shown in FIG. 19, on one side of the battery pack 920
supplying power input to said mobile terminal installed are: a
micro strip line 911 functioning as an RF antenna; an antenna
connection terminal 912 connecting the micro strip line 911 and an
IC chip (not shown) with the function of a traffic card embedded in
the main body (not shown) of the mobile terminal; and a printed
circuit board 910 wherein an impedance matching circuit block 913
is formed by the combination of inductors and capacitors for
impedance matching between said micro strip line 911 and feeder
(not shown) and which is connected to said antenna connection
terminal 912.
[0100] To illustrate the function of the battery pack integrated in
said manner, when the battery pack in FIG. 19 is installed into the
main body of a mobile terminal, the said IC chip installed within
the main body of said mobile terminal 10 as shown in FIG. 2 and
said micro strip line are electrically connected through said
connection terminal 912. The said impedance matching circuit block
913 carries out impedance matching between the two and emits radio
waves optimized for RFID, whereby the IC card communicates with a
traffic terminal for payment of traffic charges (for example, a
traffic terminal as a non-contact type fare terminal installed at
the entrance and exit of a bus or a subway station) and thus
performs the function of a UIM card as a traffic card or a credit
card.
* * * * *