KR100492301B1 - Smart card and fare charge collection method - Google Patents

Abstract

The smart card of the present invention is a smart card comprising a control unit 20, an external communication interface unit 30, a ROM 40, a RAM 50, and an EEPROM 10, wherein the area of the EEPROM 10 is provided. And a change date and month field 12, in which a date and month in which the identity of the card user is changed, is stored, and a use amount field 14 in which a recharge amount or a use amount is stored.

In the billing method using the smart card, when the user interfaces his card to the terminal at the time of payment, performing a communication initialization process between the terminal and the smart card (S102), and charge information from the smart card to the terminal. And (S104) transmitting the change date and date information, and determining whether the current date obtained from the timer has passed the change date and date of the smart card (S106), and whether the current date is after the change date and date as a result of the determination. Accordingly, a step of searching for a reasonable fee in the in-memory fee table (S108) and the step of collecting the smart card with the fee found in the search step (S110).

Description

Smart card and billing method {SMART CARD AND FARE CHARGE COLLECTION METHOD}

The present invention relates to a card-type electronic money used for the collection of transportation fare or purchase price. Smart card-type electronic money represented by RF card used as a transportation card is expanding its use because of the convenience of the user and the simplicity of the operator's fee collection. However, according to the current payment system of transportation fares, the fares are applied differently according to the passenger's age or status, for example, students, the general, and the postmark. It is contrary to the purpose of automation that the operator (driver) checks each student's presence and inputs it each time in order to differentially charge the fee according to this division. In order to solve this problem, in the existing system, a double postmark (child) collects a fee as a guardian's card, but a student issues a student transportation card separately. This student transportation card is stored in the same way as a regular card, but if the RF terminal recognizes that it is a student transportation card, it will collect student fees.

However, using a student card does not solve the problem. Since the student's status changes with graduation after that time, the student card issued during the student's time remains as a student card even if the user becomes a member of the public. In order to reconcile this, the graduating student must go to the issuer and modify the card or discard the student card and reissue the adult card. Becomes However, this is not always inconvenient for the user, there is a problem that wastes card resources, and encourages cheating by the user. Also, there is a risk that the user becomes an unauthorized user of the card without knowing it.

A credit card issuer who uses a transportation card as a means of securing a subscriber also invested a lot of money and effort to issue a student card-that is, to receive a single student member. Because of the risk of taking away, the above problem was not welcome.

The present invention has been made to solve the above problems, the object of the present invention is to provide a smart card that automatically converts the student card to an adult card when the user of the student card graduates or becomes an adult.

Another object of the present invention is to provide a billing method used in a smart card system comprising the smart card and a terminal interfacing with the smart card.

Smart card of the present invention for achieving the above object is to control the overall operation of the smart card and the control unit including an authentication module, a ROM in which the basic operating program of the smart card is stored, a RAM in which data is stored during execution, and storage A smart card composed of an EEPROM storing data for use, comprising: a change date and month field for storing a date and a month for changing the identity of a card user in the EEPROM area, an amount field for storing a recharge amount or a use amount, and a card type value; The card type field is configured.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

(Example 1)

This embodiment relates to a smart card having the above configuration. That is, in the smart card composed of the control unit 20, the external communication interface unit 30, the ROM 40, the RAM 50, and the EEPROM 10, the card user is located in the EEPROM 10 area. A change date and month field 12 in which a date and a date of change of identity are stored, and a use amount field 14 in which a recharge amount or a use amount are stored are characterized.

The change date and month field 12 is for changing card types over time. When the date of birth is used as a reference value for card classification, the card is divided into adult and minor children according to age. For example, if you receive an adult fare based on age 18, the achievement of age 18 depends on the date of birth of the user, so a different 18-year arrival date must be recorded on the card for each user. You can also record the date of birth itself on the card instead of the arrival date.

In addition, in the case of classifying students and the general public, all types of cards are changed at the same time as graduation, and thus the date of graduation should be recorded in the date of birth field.

In the card type field, whether a student or general person, an adult or a minor is recorded, or a student / adult change card is recorded. In the former case, the application amount of the terminal to collect the fee from the smart card is determined based on the value recorded in this field, and in the latter case, the fee collection method is determined according to the recorded value of this field.

(Example 2)

This embodiment is a smart card comprising a control unit, a ROM, a RAM, an EEPROM, and an external interface unit, wherein a change date and date field in which an identity of a card user is changed is stored in the EEPROM area, and a charge amount or a use amount is stored. In the smart card system consisting of a smart card configured with an amount of money field, a card type field in which the card type value is recorded, and a terminal for collecting a fee from the smart card, the fee is determined after checking whether or not the date of change is reached. Provide a terminal to collect.

The charge collection process including the card type change operation using the smart card terminal,

If the user interfaces his card to the terminal at the time of payment, performing a communication initialization process between the terminal and the smart card (S102),

Transmitting charge information and change date and date information from the smart card to the terminal (S104);

Determining, by the terminal, whether the current date obtained from the timer has passed the modification date of the smart card (S106);

As a result of the determination, searching for a reasonable fee in the in-memory fee table according to whether the current date is after the date of change (S108);

In step S110, the smart card is collected by the fee found in the searching step.

The step S102 is the same as the communication initialization process and authentication process of a general traffic card and the terminal. That is, in the case of the RF communication method, the control unit of the terminal undergoes chip initialization, an anti-collusion loop (a process of selecting a card when a plurality of cards request communication), and an authentication process of an RF traffic card of a security module (SAM) of the terminal. You will gain access to the card's EEPROM area. If the SAM authentication process is a mifare RF card of the Philips company, the controller of the terminal reads the access key of the EEPROM area of the RF card from the SAM and determines whether the area is accessible by using the key value. The access key is performed for each other memory area.

In step S104, as the terminal (control unit) obtained the authority requests reading of the fee information, the date of change, and the card type information, the information recorded in the RF card is transmitted from the RF card to the terminal through the RF antenna. do. In an implementation where the access key of the storage area is different, each data transmission is performed separately from the step S102. However, in order to reduce the number of times of communication between the terminal and the RF card, the data may be transmitted at once.

In step S106, the controller of the terminal compares the change date and year read out from the RF card with the current date, month, and date obtained from the timer in the terminal. Although the timer may use a general time calculating timer module, in order to ensure accuracy, the current time is input by wireless communication, and it is preferable that the timer module is implemented to calculate only for a section in which the wireless communication is disabled.

In step S108, the card type is determined as one of two types according to a comparison result between two dates, and the fare table to be applied is searched for based on the determination result.

In the method of this embodiment, the change date and date value assigned to the card is indirectly an indicator of the type of the card. In the transportation card system, there are various types of cards, but there may be a separate area for storing the identification value indicating this type in the transportation card. You may. That is, in the general case, the change date and date value is set before the card issuance date, and the student is configured as the transportation card of the present invention, and when the permanent discount amount is received (the path), the change date and date are set as the future time points at a very long interval. By the same effect as the type can be obtained.

Only the date and date of change are recorded on the card, and the table for the charges before the change date and the charges after the change date is stored in the memory of the terminal. In general implementation, the fee table of the terminal is composed of "students" and "general", and as a result of the determination in step S108, the fee is calculated as "student" fee before the date of change, and "general" fee after the date of change. Will be calculated. The fee table may be divided into “adult” and “postmark”, or in some cases, may be configured by applying a section fee or an hourly fee.

The toll collection process of step S110 is a process of subtracting the fare value obtained as a result of step S108 from the current amount value stored in the amount information field of the traffic card, and storing the details in the memory of the terminal. Same as the collection procedure. In the case of the postpaid electronic money card, the fare value is added to the total transaction value recorded in the transaction total value field of the traffic card in step S110, which is also the same as the collection procedure of the postpaid card type electronic money.

(Example 3)

This embodiment is a smart card comprising a control unit, a ROM, a RAM, an EEPROM, and an external interface unit, wherein a change date and date field in which an identity of a card user is changed is stored in the EEPROM area, and a charge amount or a use amount is stored. A smart card system comprising a smart card configured with an amount of money field, a card type field for recording a card type value, and a terminal for collecting a fee from the smart card, wherein the card type field is changed when the date of change is reached. In addition, it provides a smart card system that the terminal performs the check of the arrival of the date and the change of the card type when the arrival.

The card type change operation occurs between the charge terminal and the smart card when the user of the card pays the fee using the card.

Toll collection process that includes a card type change operation using the smart card system,

When the user interfaces his card to the terminal at the time of payment, performing a communication initialization process between the terminal and the smart card (S202);

Transmitting charge information and change date and date information from the smart card to the terminal (S204);

Determining, by the terminal, whether the current date obtained from the timer has passed the modification date of the smart card (S206);

If it is determined that the current date is later than the date of change, changing and recording the type information field of the memory in the smart card into a predetermined type (S208);

Retrieving a fee according to the received card type information or changed card type information from an in-memory fee table (S210);

In step S212, the smart card is collected by the fee found in the searching step.

The step S202 is the same as the communication initialization process and authentication process of the general traffic card and the terminal. That is, in the case of the RF communication method, the controller of the terminal acquires the authority to access the EEPROM area of the RF card through chip initialization, anti-collusion loop, and authentication process of the RF traffic card of the terminal's security module (SAM). . If the SAM authentication process is a mifare RF card of the Philips company, the controller of the terminal reads the access key of the EEPROM area of the RF card from the SAM and determines whether the area is accessible by using the key value. The access key is performed for each other memory area.

In step S204, as the terminal (control unit) having the authority requests reading of the fee information, the date of change, and the card type information, the information recorded in the RF card is transmitted from the RF card to the terminal through the RF antenna. do. In order to reduce the number of times of communication between the terminal and the RF card, it is preferable to receive the data as described above, but depending on the implementation, it may be separately received.

In step S206, the controller of the terminal compares the change date and year read out from the RF card with the current date, month, and date obtained from the timer in the terminal. Although the timer may use a general time calculating timer module, in order to ensure accuracy, the current time is input by wireless communication, and it is preferable that the timer module is implemented to calculate a section for which wireless communication is disabled.

In the step S208, if the current date, month, date and year are less than the change date recorded in the card, the process proceeds to the next step without performing a special operation. Update and record the card type information field in the EEPROM area to the card type to be changed. For example, when the date of change is 2003-02-20, and the "student card" is recorded in the type information field, when the date of use of the traffic card is 2003-02-22, the terminal sends an EEPROM in the traffic card. Change the Type Information field in the area to "General Card".

Retrieving a fee according to the received card type information or changed card type information from an in-memory fee table (S210);

In step S210, a fee suitable for a card user is calculated, and the card type value recorded in the type information is used as a reference. For example, it is determined whether it is a "student card" or a "standard card" and the fee is searched for in the fee table. The fare table is divided into fare by passenger type, and in some cases, the fare table may be configured by applying the fare for each section or hourly fare at the same time. When the card type information field is updated and recorded in step S208, the updated card type value is applied to the fee calculation.

In step S212, the card is collected by the fee found in the searching step.

The charge collection process of step S212 is a process of subtracting the fare value obtained as a result of step S210 from the current amount value stored in the amount information field of the traffic card, and storing the details in a memory in the terminal. Same as the collection procedure. In the case of the postpaid electronic money card, the fare value is added to the total transaction value recorded in the transaction total value field of the traffic card in step S212, which is also the same as the collection procedure of the postpaid card type electronic money.

(Example 4)

This embodiment is a smart card comprising a control unit, a ROM, a RAM, an EEPROM, and an external interface unit, wherein a change date and date field in which an identity of a card user is changed is stored in the EEPROM area, and a charge amount or a use amount is stored. A smart card system comprising: a smart card configured with a money amount field; a card type field for recording a card type value; and a terminal for collecting a fee from the smart card; Provides a smart card system that the smart card performs.

The type change operation of the card occurs in the smart card when the user of the card pays the fee using the card. It is desirable to implement this in the case of a contact smart card or an ISO14443 type A or type B RF card that has a capability of performing its own chip control operation in the CPU in the smart card.

Toll collection process that includes a card type change operation using the smart card system,

If the user interfaces his card to the terminal at the time of payment, performing a communication initialization process (and authentication process) between the terminal and the smart card (S302),

Transmitting, by the terminal, current time information obtained from an internal timer (particularly, current date and month) to the smart card (S304);

Determining, by the smart card, whether the current year and month received from the terminal has passed the change date and date stored in the smart card (S306);

If it is determined that the current date is after the date of change, step (S308) of changing and recording the type information field of the memory in the smart card into a predetermined type;

Transmitting balance information and card type information from the smart card to the terminal (S310);

Determining, by the terminal, a fee corresponding to a card type (S312);

In step S314, the terminal collects the fee.

When the user brings his card to the terminal at the time of payment, performing a communication initialization process (and authentication process) between the terminal and the smart card (S302);

In step S302, the smart card and the terminal form an interface for communicating with each other. In the case of an RF card, the RF contactless interface is realized. In the case of a contact IC card, the step S302 is implemented as a contact terminal. The communication initialization process includes an initialization protocol and an authentication procedure, such as a reset signal lamp, for each card specification.

After completing the communication initialization and authentication in step S302, the terminal transmits its current time to the smart card. When the card type is changed to the changed date and month, only the current date and month value is required for the operation of the smart card.

In step S306, it is determined whether the current year and month received by the smart card in step S304 have elapsed.

In the step S308, for example, when the date of the change is the date of the change, the type of the card type field is changed to the "student card" identification value.

In step S312, the terminal determines the fee to be collected from the card based on the balance information and the card type information of the card input in step S310. At this time, the terminal searches for a fee corresponding to the card type in the fee table implemented in the internal memory, subtracts from the balance information value of the card, and requests the card to update the balance information. At this time, if the balance is less than the amount to be collected, the non-collection is indicated and the procedure is terminated.

In step S314, the smart card that receives the update record request for the charge collection result verifies the update request and records the used amount field as requested. In this embodiment, the term is used to express only the core, but in the case of a prepaid card, the balance will be subtracted from the collection amount, and in the postpaid card, the transaction amount will be added to the collection amount. In addition, it is desirable to have a separate field for storing other information for verifying or canceling the authenticity of the transaction in addition to the used amount field.

In the second, third and fourth embodiments, the user of the card or the collector (bus driver) may want to know what kind of card to collect. To this end, the embodiments of the present invention may be implemented by further including a voice notification of the type of the card that the terminal is interfacing as an external speaker. That is, when the terminal judges that the Dan card is changed and the student card, the terminal broadcasts the message "It is a student card", and when it is determined as the general card, the terminal broadcasts the statement "It is a general card". The comment broadcasting step may be included in any step after the steps S106, S210, and S310 of comparing the current year, month and date with the change date and year to recognize the type of card according to the result.

In addition to the second embodiment, the step of notifying the determined card type information of the step S106 to the outside through the speaker or the display may be configured to further include at any point after the step S106.

In addition to the third embodiment, a step of notifying the received card type information or the changed card type information acquired in the step S210 to the outside through a speaker or a display at any point after the step S210 is further included. Can be configured.

In addition to the fourth embodiment, the step of notifying the received card type information obtained in step S310 to the outside through a speaker or a display may be configured to further include at any point after the step S310. .

According to the present invention, when the toll collection method using the smart card or the smart card system is implemented, the user of the card has an advantage of being able to continue using the smart card used by the user without worrying about the change of his / her identity. Misuse of discount cards prior to change of status can eliminate the risk of penalties.

When the toll collection method using the smart card or the smart card system according to the present invention, the issuer of the card does not need to issue the card again in accordance with the change of the identity of the card subscriber, it is possible to eliminate the cost burden of additional issuance In addition, there is also an advantage that can reduce the risk that other card companies take the subscriber at the time of changing the identity of the subscriber.

According to the present invention, the effect of the prevention of duplicate card issuance not only benefits the card company or the subscriber, but also has a great effect on resource saving and foreign currency saving nationally.

1 illustrates the internal structure of a smart card implemented according to the present invention.

2 shows a toll collection method of the second embodiment of the present invention.

3 shows a toll collection method of the third embodiment of the present invention.

4 shows a toll collection method of the fourth embodiment of the present invention.

Claims (6)

 ROM 40 in which the basic operating program of the smart card is stored, RAM 50 in which data generated according to the operation of the basic operating program of the smart card is temporarily stored, and EEPROM 10 in which the information of the smart card is stored. And an external communication interface for transmitting and receiving data to and from a smart card terminal, and an authentication module for controlling the overall operation of the smart card, and establishing a connection between the card terminal and the smart card through the external interface unit. In the smart card comprising a control unit 20 for accessing the request information from the EEPROM to the card terminal in response to the information request of the terminal connected by the module, In the EEPROM 10 area, a change date and month field for storing a date and a month for changing the identity of the smart card user, an amount field for storing a charged or used amount of the smart card, and information according to the type of the smart card And a card type field to be recorded. In the charge collection method used in the smart card terminal using the smart card of claim 1, If the user interfaces his smart card to the terminal at the time of payment, performing a communication initialization process between the terminal and the smart card (S102), Transmitting charge information and change date and date information from the smart card to the terminal (S104); Determining, by the terminal, whether the current date obtained from the timer has passed the modification date of the smart card (S106); As a result of the determination, searching for a reasonable fee in the in-memory fee table according to whether the current date is after the date of change (S108); Toll collection method comprising the step of collecting the processing for the smart card with the rate found in the search step (S110). In the charge collection method used in the smart card terminal using the smart card of claim 1, If the user interfaces his smart card to the terminal at the time of payment, performing a communication initialization process between the terminal and the smart card (S202); Transmitting charge information and change date and date information from the smart card to the terminal (S204); Determining, by the terminal, whether the current date obtained from the timer has passed the modification date of the smart card (S206); If it is determined that the current date is later than the date of change, changing and recording the type information field of the memory in the smart card into a predetermined type (S208); Retrieving a fee according to the received card type information or changed card type information from an in-memory fee table (S210); Toll collection method comprising the step of collecting the processing for the smart card with the rate found in the search step (S212). Toll collection method used in the smart card system consisting of the smart card and smart card terminal of claim 1, If the user interfaces his smart card to the terminal at the time of payment, performing a communication initialization process between the terminal and the smart card (S302), Transmitting, by the terminal, current time information obtained from an internal timer to the smart card (S304); (S306) determining whether the current year and month received by the smart card from the terminal have passed the change date and month stored in the smart card; If it is determined that the current date is after the date of change, step (S308) of changing and recording the type information field of the memory in the smart card into a predetermined type; Transmitting balance information and card type information from the smart card to the terminal (S310); Determining, by the terminal, a fee corresponding to a card type (S312); Toll collection method comprising the step of performing a collection process for the charge determined by the terminal (S314). The method of claim 2, further comprising: notifying the card type information determined in step S106 to the outside through a speaker or a display provided in the smart card terminal. The method of claim 3 or 4, further comprising: notifying the received card type information or the changed card type information to the outside through a speaker or a display provided in the smart card terminal.