Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal

• US 8,407,117 B2
• Filed: 07/22/2002
• Issued: 03/26/2013
• Est. Priority Date: 04/24/2002
• Status: Active Grant

• Current Assignee: SK Planet Co., Ltd. (SK Telecom Co., Ltd.)
• Original Assignee: SK Planet Co., Ltd. (SK Telecom Co., Ltd.)
• Inventors: Yu, Sang Woo, Lee, Ki Hyong, Kim, Hye Soon, Lee, Jung Won, Jang, Hae Seong, Kim, Jae Jin
• Primary Examiner(s): Borlinghaus, Jason M
• Assistant Examiner(s): Fu, Hao
• Application Number:
  US10/512,548
• Publication Number:
  US 20050097038A1
• Time in Patent Office: 3,900 Days
• Field of Search: 705/16, 705/17, 705/18, 705/26, 370/329, 370/352
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H01M 10/0525 Rocking-chair batteries, i.e. batteries with lithium insertion or intercalation in both electrodes; Lithium-ion batteries
• CPC Class Codes: H01M 10/425 Structural combination with electronic components, e.g. electronic circuits integrated to the outside of the casing printed circuits H05K1/00
• CPC Class Codes: H01M 2010/4271 Battery management systems including electronic circuits, e.g. control of current or voltage to keep battery in healthy state, cell balancing
• CPC Class Codes: H02J 7/0042 characterised by the mechanical construction
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: Y02E 60/10 Energy storage using batteries

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.

Claims

1. A method of using a mobile terminal for insertion, decryption, and recording of a user identification module (UIM) card, comprising:

the mobile terminal reading from the UIM card a mobile identification number, authorization information and personal information stored in the UIM card inserted into a UIM card slot of the mobile terminal, wherein the mobile terminal is configured to directly access both a wireless Internet network and a local area wireless communication network;

the mobile terminal comparing a user entered password with authorization information read from the UIM card;

transmitting information from the UIM card to the mobile terminal for

(a) displaying a menu for accessing at least one non-voice data service selected from the group consisting of a payment service, a transaction particulars inquiry service, a prepaid card recharging service, a ticketing and utilization service, and a traffic card issuing and utilization service, and

(b) enabling the user to select from the menu a desired non-voice data service, responsive to a determination that the user entered password matches the read authorization information; and

the mobile terminal providing the user with the desired non-voice data service based on service data from the UIM card and/or a service providing system, depending upon a type of the desired non-voice data service, by

(i) transmitting/receiving necessary service data to/from the UIM card and the service providing system through the wireless Internet network without accessing the local area wireless communication network, if the desired non-voice data service is a first type of non-voice data service that requires communications with and the data from the service providing system, and

(ii) transmitting/receiving necessary service data to/from the UIM card and a local area wireless communication terminal through the local area wireless communication network without accessing the wireless Internet network, if the desired non-voice data service is a second type of non-voice data service that does not require communications between the mobile terminal and the service providing system.

2. The method according to claim 1, wherein said payment service comprises:

a payment processing system of the service providing system receiving purchasing information;

accessing a card issuer or financial institution using said received purchasing information and authorizing and completing the payment of the corresponding purchasing amount; and

transmitting a message of payment confirmation to the mobile terminal after completion of the payment and the mobile terminal displaying the message of payment confirmation to the user and storing the payment particulars into the memory of the UIM card.

3. The method according to claim 2, wherein, when the payment means is a prepaid card, the said payment is completed by receiving balance information of the UIM card.

4. The method according to claim 1, wherein said prepaid card recharging service comprises:

a step, conducted by the prepaid card recharging system of the service providing system, of receiving recharging request information such as a desired recharging amount, a correspondent financial institution, account information, and authorization information;

accessing to the corresponding financial institution using said received recharging request information and requesting balance check and receiving balance information on the corresponding account;

comparing said received balance of the corresponding account with the desired recharging amount and in case of insufficient balance, conducting a recharging failure processing, otherwise, making a request of recharging to the financial institution; and

in case of acceptance of the recharging request, transmitting a message of recharging confirmation to the mobile terminal;

the mobile terminal, responsive to receipt of the message of recharging confirmation, updating updates balance information of the prepaid card of the UIM card by adding the desired recharging amount; and

displaying the message of recharging confirmation to the user and storing recharging particulars into the memory of the UIM card.

5. The method according to claim 1, wherein said ticketing and utilization service comprises:

a step, conducted by the ticket issuing system of the service providing system, of receiving a ticket purchasing request;

providing the mobile terminal with information about available tickets and receiving information about tickets selected by the user and payment means for ticket purchasing amount;

completing the payment according to the received information and issuing paid tickets to the mobile terminal and the mobile terminal displaying information about issued tickets to the user and storing transaction particulars and information about issued tickets into the memory of the UIM card; and

using tickets stored in the memory of said UIM card.

8. The method according to claim 2, wherein the received purchasing information comprises a merchant identification, a purchasing goods identification, a purchasing amount and a payment means.

9. The method according to claim 1, wherein

the first type of non-voice data service includes a payment service using a credit card or a debit card, a transaction particulars inquiry service, a prepaid card recharging service, a ticket issuing service, and a traffic card issuing service;

and

the second type of non-voice data service includes a payment service using a prepaid card, a ticket utilization service, and a traffic card utilization service.

6. A mobile terminal for wireless data communication through the Internet as well as voice communication, comprising:

a user identification module (UIM) card having a memory containing a mobile identification number, authorization information, and personal information, the UIM card configured for transferring information to the mobile terminal for

(a) displaying a menu for accessing at least one service selected from the group consisting of a payment service, a transaction particulars inquiry service, a prepaid card recharging service, a ticketing and utilization service, and a traffic card issuing and utilization service and

(b) enabling the user to select from the menu a desired service; and

a UIM card slot where said UIM card is inserted and which decrypts the information stored in the memory of the inserted UIM card and records information thereto,

wherein the mobile terminal is configured to directly access both a wireless Internet network and a local area wireless communication network, and to provide the user with the desired service, based on data from the UIM card and/or a service providing system, depending upon a type of the desired service, by

(i) transmitting/receiving necessary non-voice service data to/from the UIM card and the service providing system through the wireless Internet network without accessing the local area wireless communication network, if the desired service is a first type of service that requires communications with and the data from the service providing system and

(ii) transmitting/receiving necessary non-voice service data to/from the UIM card and a local area wireless communication terminal through the local area wireless communication network without accessing the wireless Internet network, if the desired service is a second type of service that does not require communications between the mobile terminal and the service providing system.

7. The mobile terminal according to claim 6, further comprising a local area communication module for local area communication through the local area wireless communication network with the local area wireless communication terminal which is a payment terminal.

10. The mobile terminal according to claim 6, wherein

the first type of service includes a payment service using a credit card or a debit card, a transaction particulars inquiry service, a prepaid card recharging service, a ticket issuing service, and a traffic card issuing service;

and

the second type of service includes a payment service using a prepaid card, a ticket utilization service, and a traffic card utilization service.

11. A method of using a mobile terminal for insertion, decryption, and recording of a user identification module (UIM) card, comprising:

the mobile terminal reading from the UIM card a mobile identification number, authorization information and personal information stored in the UIM card inserted into a UIM card slot of the mobile terminal, wherein the mobile terminal is configured to directly access both a wireless Internet network and a local area wireless communication network;

the mobile terminal comparing a user entered password with authorization information read from the UIM card;

transmitting information from the UIM card to the mobile terminal for

(a) displaying a menu for accessing at least one service selected from the group consisting of a payment service, a transaction particulars inquiry service, a prepaid card recharging service, a ticket issuing and utilization service, and a traffic card issuing and utilization service, and

(b) enabling the user to select from the menu a desired service, responsive to a determination that the user entered password matches the read authorization information; and

the mobile terminal providing the user with the desired service based on service data from the UIM card and/or a service providing system, depending upon a type of the desired service, by

(i) transmitting/receiving necessary service data to/from the UIM card and the service providing system through the wireless Internet network without accessing the local area wireless communication network, if the desired service is a first type of service that requires communications with and the data from the service providing system, and

(ii) transmitting/receiving necessary service data to/from the UIM card and a local area wireless communication terminal through the local area wireless communication network without accessing the wireless Internet network, if the desired service is a second type of service that does not require communications between the mobile terminal and the service providing system;

wherein the first type of service includes a payment service using a credit card or a debit card, a transaction particulars inquiry service, a prepaid card recharging service, a ticket issuing service, and a traffic card issuing service; and

wherein the second type of service includes a payment service using a prepaid card, a ticket utilization service, and a traffic card utilization service.

12. The method according to claim 11, wherein said payment service comprises:

a payment processing system of the service providing system receiving purchasing information;

accessing a card issuer or financial institution using said received purchasing information and authorizing and completing the payment of the corresponding purchasing amount; and

transmitting a message of payment confirmation to the mobile terminal after completion of the payment and the mobile terminal displaying the message of payment confirmation to the user and storing the payment particulars into the memory of the UIM card.

13. The method according to claim 12, wherein, when the payment means is a prepaid card, the said payment is completed by receiving balance information of the UIM card.

14. The method according to claim 11, wherein said prepaid card recharging service comprises:

a step, conducted by the prepaid card recharging system of the service providing system, of receiving recharging request information such as a desired recharging amount, a correspondent financial institution, account information, and authorization information;

accessing to the corresponding financial institution using said received recharging request information and requesting balance check and receiving balance information on the corresponding account;

comparing said received balance of the corresponding account with the desired recharging amount and in case of insufficient balance, conducting a recharging failure processing, otherwise, making a request of recharging to the financial institution; and

in case of acceptance of the recharging request, transmitting a message of recharging confirmation to the mobile terminal;

the mobile terminal, responsive to receipt of the message of recharging confirmation, updating updates balance information of the prepaid card of the UIM card by adding the desired recharging amount; and

displaying the message of recharging confirmation to the user and storing recharging particulars into the memory of the UIM card.

15. The method according to claim 11, wherein said ticketing and utilization service comprises:

a step, conducted by the ticket issuing system of the service providing system, of receiving a ticket purchasing request;

providing the mobile terminal with information about available tickets and receiving information about tickets selected by the user and payment means for ticket purchasing amount;

completing the payment according to the received information and issuing paid tickets to the mobile terminal and the mobile terminal displaying information about issued tickets to the user and storing transaction particulars and information about issued tickets into the memory of the UIM card; and

using tickets stored in the memory of said UIM card.

16. The method according to claim 12, wherein the received purchasing information comprises a merchant identification, a purchasing goods identification, a purchasing amount and a payment means.