FIELD OF THE INVENTION 
       [0001]    The present invention relates to a Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device which involves a Combi-SIM card framework of electronic purse cooperating with a mobile device having multifunction non-contacting transceiver. The framework of the present invention completely combines the non-contacting card payment and the mobile telecommunication network convenience to provide an innovative, convenient and high security application of mobile electronic purse transaction. On the other hand, the present invention provides a mobile device with the function of card reader to more enhance the added value of the mobile device and then develops other various applications. 
       BACKGROUND OF THE INVENTION 
       [0002]    Nowadays the non-contacting card consumption such as Easy Card, Visa Wave, Paypass etc, all use a plastic card with a size of name card. The public holds card to spend money, add value and inquire balance. All have to be done at the POS machine of vendor at designated location. It is an inconvenience for consumer. Furthermore, as far as security is concerned the existing non-contacting card consumption is fast and convenient but compared with the contacting card it is recognized as less security by the public. Therefore the manner of non-contacting card consumption still has lots to be improved in convenience and security. 
         [0003]    Currently under the circumstance that the public uses mobile device such as mobile phone, PDA more and more pervasive, it is certainly to come to a more convenient and practical consumption pattern by combining the non-contacting card and mobile device. Although recently an invention of building a non-contacting induction chip in the mobile phone SIM or USIM card has been invented, its framework still has the following drawbacks. Firstly, as stated in the abovementioned recent invention that a non-contacting induction chip is built into the SIM card and the non-contacting antenna is wounded around the SIM card or disposed at a proper location of the mobile device, the wiring connecting induction chip and antenna will be loaded with a high voltage analog signal of antenna resonance and causes the difficulty of design and implementation in mobile device. Secondly, as stated in the abovementioned recent invention framework that the induction antenna is wounded around the SIM card, but after it is implemented due to the physical characteristics are not so good that the exterior POS machine can not induct the chip. It is a proof that the framework is not ideal. Thirdly, as stated in the abovementioned recent invention the mobile device can not access the content of the induction chip built in the SIM card directly it is doubtful to achieve the functions of mobile value adding, electronic purse balance inquiry or mobile payment. 
         [0004]    As a result, the abovementioned conventional manner still has many drawbacks. It does not constitute a good design and needs to be improved. 
         [0005]    In view of the abovementioned drawbacks of the conventional manner the inventor of the present invention endeavors to research and successfully invents a Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device to provide an ideal, convenient and secure non-contacting mobile payment application. 
       SUMMARY OF THE INVENTION 
       [0006]    The objective of the present invention is to provide a Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device. Under the circumstance that nowadays the non-contacting card is gradually accepted by consumer and the use of mobile device such as mobile phone, PDA etc. is very pervasive if the mobile device and non-contacting card transaction application are combined together it not only creates the added value of mobile device but also enhances the security and convenience of non-contacting electronic ticket transaction. Accordingly it will provide a new model of mobile payment transaction and broaden the application domain of the non-contacting card. 
         [0007]    A Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device is a framework of combining the mobile phone subscriber identity module (SIM or USIM) chip and the electronic purse smart card chip having no non-contacting induction analog circuit to form a complex subscriber identity module (hereinafter known as Combi-SIM) and further cooperates with a mobile device having multifunctional non-contacting transceiver. The mobile device includes, but not limit to, mobile phone, PDA etc. Based on the fact that the multifunction non-contacting transceiver is equipped with the signal path selection function, the mobile device not only works as a non-contacting card but also works as a card reader to read exterior non-contacting card or access the content of electronic purse smart card in the Combi-SIM. Herewith, it provides the functions of electronic purse and telecommunication value added service integration. Consumer proceeds electronic purse transaction such as inquiring balance, adding value and spending money at the POS machine of vendor at the designated location in non-contacting manner or paying via telecommunication network at non-designated location at anytime and anywhere through the convenience of carry-on mobile device. Furthermore, due to the combination of electronic purse and SIM card the electronic purse transaction can be introduced with the identity verification security mechanism of SIM card imposed by telecommunication mobile network. It enhances the security of electronic purse transaction extensively as well as the willingness to use by consumer. On the other hand, regarding the electronic ticket vendor it does not need to develop value adding locations so as to save the infrastructure cost of the value adding machine to a large extent. 
         [0008]    The Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device that achieves the abovementioned objective improves the drawbacks of the conventional technique and provides a convenient, high security, practicable and multifunctional mobile electronic payment framework. 
         [0009]    To achieve the abovementioned objectives the present invention builds the smart card chip of electronic purse having no non-contacting induction analogous circuit and the SIM or USIM card chip of mobile telecommunication into a small card, known as Combi-SIM card, wherein the smart card chip of electronic purse is not equipped with analog integrated circuit but utilizes the copper contacts C 6 , C 4 , C 8  retained in the SIM card international specification to connect with the non-contacting transceiver of mobile device. Since such a connection interface is a low voltage digital logic signal interface it is easy for implementation. The interface enables mobile device to control or access the smart card of electronic purse. Additionally, the non-contacting antenna and transceiver are close each other and disposed at a proper location of mobile device circuit substrate. As a result it is easy to be implemented. The non-contacting antenna plays dual functions of card reader antenna and card antenna. Based on the fact that the non-contacting transceiver of mobile device is provided with three signal path selections, the mobile device is equipped with three functions. It not only works as a non-contacting card but also works as a card reader to read the exterior non-contacting card or access the content of smart card of electronic purse in the Combi-SIM. 
         [0010]    The master controller of mobile device can control the signal path of non-contacting transceiver arbitrarily according to requirement. The first signal path mode: an exterior non-contacting card reader such as POS machine of vendor which accesses the electronic purse in the Combi-SIM card. Consumer uses the Combi-SIM card inserted mobile device as a non-contacting card such as Easy Card, ATM card, value stored card or other electronic purse or electronic ticket card without carrying additional card. However, it includes but not limit to the abovementioned. Since it does not need to carry additional card and transact via non-contacting induction it meets the requirements of convenience, rapidness and practicability. The second signal path mode: it enables mobile device to access the content of smart card of electronic purse in the Combi-SIM. Therefore it achieves the function that consumer can inquire transaction record, balance, added value or other ATM card transfer. However, it includes but not limit to the abovementioned. The third signal path mode: it enables the mobile device to work as a non-contacting card reader to access exterior non-contacting card or RFID tag. Such a mode further broadens the application of the framework. For example consumer holds mobile device to read the content of electronic tag adhered on the commodity by the vendor, read the commodity advertisement by using the convenient display screen of mobile device or adhere tour guide introduction tag in the exhibition hall to provide tour guide introduction function etc. 
         [0011]    Considering the non-contacting transaction security, since the present invention framework fully combines the convenience of non-contacting card payment and mobile device and mobile telecommunication network, the security of non-contacting transaction is largely enhanced by utilizing the identity verification mechanism of SIM card imposed by the mobile telecommunication network. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0012]    The drawings disclose an illustrative embodiment of the present invention which serves to exemplify the various advantages and objects hereof, and are as follows: 
           [0013]      FIG. 1  is a schematic diagram of the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device; 
           [0014]      FIG. 2  is a schematic diagram of non-contacting transaction at designated location and mobile payment applied by the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device; and 
           [0015]      FIG. 3  is a diagram of an embodiment of the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device working as a card reader. 
       
    
    
       [0016]    a connection interface 
         [0017]    b connection interface 
         [0018]    c connection interface 
         [0019]    d connection interface 
         [0020]      11  SIM or USIM chip 
         [0021]      12  smart card chip 
         [0022]      13  Combi-SIM card 
         [0023]      14  non-contacting transceiver 
         [0024]      15  antenna 
         [0025]      16  mobile device master controller 
         [0026]      21  first signal path 
         [0027]      22  second signal path 
         [0028]      23  third signal path 
         [0029]      40  mobile device 
         [0030]      41  vendor non-contacting POS 
         [0031]      42  mobile telecommunication vender 
         [0032]      43  financial or ticket vender 
         [0033]      44  game or music content provider 
         [0034]      51  vender electronic advertising tag 
         [0035]      52  electronic advertising vender website 
       DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT 
       [0036]    Comparing the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device provided by the present invention with other conventional technique it has the following advantages: 
         [0037]    1. In the present invention the smart card chip in the Combi-SIM card which is a digital interface, non-contacting induction antenna and non-contacting transceiver are built into the mobile device. They improve the drawbacks of difficult implementation and inferior performance in conventional technique. 
         [0038]    2. In the present invention the non-contacting transceiver built in the mobile device is equipped with three signal path selection functions. It enables the mobile device to work as a non-contacting card, a card reader to read exterior non-contacting card or access the content of electronic purse smart card in the Combi-SIM. 
         [0039]    3. In the present invention consumer can inquire transaction record, balance, added value or other ATM card transfer etc to attain the function of mobile payment transaction. 
         [0040]    4. The mobile device of the present invention can work as a non-contacting card reader to increase the additional application of mobile device. For example consumer can hold mobile device to read the content of electronic advertising tag adhered on the commodity by the vendor, read the commodity advertisement by using the convenient display screen of mobile device or adhere tour guide tag in the exhibition hall to provide tour guide function. Such a manner it further broadens the domain of non-contacting transaction application and then develops other various applications. 
         [0041]    5. Due to the present invention is provided with mobile transaction capability the non-contacting payment application can be mobilized. In addition to use conveniently regarding financial industry or electronic ticket vender it does not need to develop adding value location so as to eliminate the infrastructure cost of adding value machine to a large extent. Accordingly, it diminishes the operation cost effectively. 
         [0042]    6. Since electronic purse and SIM card are combined together electronic purse transaction can be introduced with the identity verification security mechanism of SIM card imposed by the telecommunication mobile network. It enhances the security of electronic purse transaction to a large extent and increases the willingness of use for consumer. 
         [0043]    Referring to the drawings the following will provide a clear and accurate description of the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device to have a full understanding of the preferred embodiment of the present invention. The framework of the present invention at least comprises: 
         [0044]    1. A SIM or USIM chip ( 11 ): it conforms to the specification enacted by international organization. Its function is responsible for mobile telecommunication. 
         [0045]    2. A smart card chip ( 12 ) without non-contacting induction analog circuit: it is electronic purse chip or other ATM card chip, cash card chip etc. 
         [0046]    3. A non-contacting transceiver with signal path selection function ( 14 ): it is disposed at a proper location of the mobile device ( 40 ) substrate and controlled by the master controller ( 16 ) of the mobile device to provide three signal path selections. 
         [0047]    4. A non-contacting antenna ( 15 ): it is disposed at a proper location of the mobile device ( 40 ) substrate and close to the non-contacting transceiver ( 14 ). When the mobile device ( 40 ) plays the role of card reader it works as an antenna ( 15 ) of card reader. When the mobile device ( 40 ) plays the role of non-contacting card, it works as a card antenna ( 15 ). 
         [0048]    5. A mobile device ( 40 ): wherein the master controller is the main processor of conventional mobile device ( 40 ). The master controller connects and controls the non-contacting transceiver ( 14 ). 
         [0049]    Referring to  FIG. 1 , it is a schematic representation of the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device, wherein SIM or USIM chip ( 11 ) and smart chip ( 12 ) are built into the Combi-SIM card ( 13 ). SIM or USIM chip ( 11 ) in the Combi-SIM card utilizes contacts C 1 , C 2 , C 3 , C 5  and C 8  to connect with the master controller ( 16 ) of the mobile device. Smart card chip ( 12 ) utilizes the remaining contacts C 6 , C 4 , C 8  to connect with the non-contacting transceiver ( 14 ). In addition to the connection interface (a) of antenna ( 15 ) and non-contacting transceiver ( 14 ) is an analog high voltage signal, the other interfaces include: the connection (b) of the mobile device master controller ( 16 ) and non-contacting transceiver ( 14 ), the connection (c) of the mobile device master controller ( 16 ) and SIM or USIM chip ( 11 ), the connection (d) of the non-contacting transceiver ( 14 ) and smart card chip ( 12 ). They are all abovementioned interfaces are digital logic low voltage signal interface. 
         [0050]    According to the need of circumstances, the mobile device master controller ( 16 ) can control the signal path of the non-contacting transceiver ( 14 ) arbitrarily. The first signal path ( 21 ): it enables the mobile device ( 40 ) to work as a conventional non-contacting card. After the radio frequency signal command of the vendor non-contacting POS machine is inducted by antenna ( 15 ) it is modulated into digital logic signal and transmitted to the smart card chip ( 12 ). Accordingly it can access the content of the smart card chip ( 12 ) in the Combi-SIM card. The second signal path ( 22 ): the mobile device master controller ( 16 ) transfers control command to the smart card chip in the Comni-SIM card ( 13 ) via the non-contacting transceiver ( 14 ). The control command is a digital logic signal without being modulated by radio frequency. In fact, as the smart card chip is concerned the mobile device ( 40 ) is just like a non-contacting card reader to access it. The mobile device ( 40 ) is like a mobile POS or mobile ATM. Therefore consumer can use mobile device ( 40 ) to inquire transaction record, balance, adding value or other ATM card transfer etc. It includes but not limit to the abovementioned. The third signal path ( 23 ): after the control command of the mobile device master controller ( 16 ) is modulated by the non-contacting transceiver ( 14 ), it is emitted to the exterior via antenna ( 15 ). Therefore the mobile device ( 40 ) can work as a non-contacting card reader to access exterior non-contacting card or RFID tag. Such a manner further broadens the application of the framework. For example consumer holds the mobile device ( 40 ) to read the content of electronic advertising tag adhered on the commodity by the vendor, read the commodity advertisement by using the convenient display screen of the mobile device ( 40 ) or adhere tour guide tag in the exhibition hall to provide tour guide function. 
         [0051]    To enable the person skilled in the art to understand the benefits and objectives of the present invention, a preferred embodiment of the present invention is illustrated for reference. However, it includes but not limit to the abovementioned application. 
         [0052]    Referring to  FIG. 2 , it is a schematic representation of the non-contacting transaction at designated location and mobile payment by the application of the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device. It simply illustrates how to apply the present invention to the non-contacting consumption in the store or pay the wireless music or game download provided by mobile telecommunication vendor via mobile device ( 40 ). When consumer holds mobile device ( 40 ) to spend money in the store, firstly the vendor non-contacting POS ( 41 ) deducts money from electronic purse in the Combi-SIM card. The vendor or financial or ticket vendor ( 43 ) can transmit message via mobile telecommunication vendor ( 42 ) or via other message transmission manner by other mobile network to consumer. The message can be consumption confirmation message or commodity promotion advertisement etc. Since the mobile device ( 40 ) of the present invention can access the electronic purse in the Combi-SIM card ( 13 ) directly consumer can use the mobile device ( 40 ) cooperated with the service provided by the mobile telecommunication vendor ( 42 ) to inquire balance, adding value or mobile payment function etc at anytime and anywhere. As shown in the  FIG. 2 , consumer holds the mobile device ( 40 ) downloads music or game via wireless environment provided by the mobile telecommunication vendor ( 42 ) and pays via the electronic purse in the Combi-SIM card ( 13 ). 
         [0053]    Referring to  FIG. 3 , it is an illustration of the Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device to work as a card reader. It simply illustrates the possible application situations that the mobile device ( 40 ) of the present invention works as a card reader. Consumer holds mobile device ( 40 ) to read the electronic advertising tag ( 51 ). The mobile device ( 40 ) acquires vender website address and links to the electronic advertising vendor website ( 52 ) via wireless transmission provided by the mobile telecommunication vendor ( 42 ). After consumer browses commodity introduction he can download electronic coupon into the Combi-SIM card ( 13 ) via wireless transmission provided by the mobile telecommunication vendor. Later, when consumer holds the mobile device ( 40 ) to proceed non-contacting consumption at POS machine in the store since the coupon information is stored in the Combi-SIM card ( 13 ) he can acquire discount benefits accordingly. 
         [0054]    Many changes and modifications in the above described embodiment of the invention can, of course, be carried out without departing from the scope thereof. Accordingly, to promote the progress in science and the useful arts, the invention is disclosed and is intended to be limited only by the scope of the appended claims.
A Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device is a framework that combines the mobile phone subscriber identity module (SIM or USIM) chip and the electronic purse smart card chip having no non-contacting induction analog circuit to form a complex subscriber identity module (hereinafter known as Combi-SIM) and further cooperates with a mobile device having multifunction non-contacting transceiver. Based on the fact that the multifunction non-contacting transceiver is equipped with the signal path selection functions, the mobile device not only works as a non-contacting card but also works as a card reader to read exterior non-contacting card or access the content of electronic purse smart card in the Combi-SIM. Herewith, it provides functions of electronic purse and telecommunication value added service integration. Consumer proceeds electronic purse transaction at anytime and anywhere through the convenience of carry-on mobile device.