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