KR100678773B1 - A paying system of non-contacting type traffic card and refill system thereof - Google Patents

Abstract

An object of the present invention is to quickly and accurately process the use authentication and payment of non-contact transportation card using RF technology, and to check the balance information of the transportation card and refill of additional reserves without regard to time and place. The present invention provides a payment and balance refill system for a contactless transportation card.

In order to achieve the above object, the present invention provides an RF traffic card 12 having a unique number, and an RF for determining whether to approve a transaction by reading its unique number in a non-contact manner when using the RF traffic card. The terminal system 20, the ride information collection and settlement system 30 which provides B / L information to the RF terminal system and collects and approves the transaction approval information for each unique number of the traffic card, and the unique number of the RF traffic card. And a B / L DB (45), which frequently records the unique number information of the insufficient balance of the RF traffic card in the card DB, and the balance information collection and settlement system. Receive the sales report and payment bill according to the approval of the use of RF traffic card, and settles by card unique number in the card DB to update the balance information for each card and collect and settle the ride information. Main server 40 that provides B / L DB B / L information to the system, and a site for providing RF traffic card balance information inquiry and related information on the Internet to request balance confirmation by RF traffic card holder If there is a web server (41) that provides a service for informing the requestor after reading the balance information for each unique number contained in the card DB through the main server, and RF traffic of a specific unique number through Internet banking or PC banking When the deposit of the card refill amount is confirmed, the deposit information is provided to the main server so that the balance information of the corresponding card unique number in the card DB is updated, and charged to the ride information collection and settlement system according to the payment approval information of the main server. It is characterized in that it comprises a bank account management system 42 for paying.

Description

A paying system of non-contacting type traffic card and refill system

1 is a block diagram of a traffic fare payment and refill system using a conventional RF card.

2 is a flowchart illustrating an operation process of a fare payment and refill system using a conventional RF card.

3 is a block diagram of a payment and refilling system for a contactless traffic card provided with an internet balance inquiry and refilling means of a traffic card according to a first embodiment of the present invention.

4 is a block diagram of a payment and refilling system for a contactless transportation card provided with an ARS balance inquiry and refilling means of a transportation card according to a second embodiment of the present invention.

5 is a block diagram of a first embodiment of an RF terminal system and a ride information collection and settlement system applied to the present invention system.

6 is a block diagram of a second embodiment of an RF terminal system and a ride information collection and settlement system applied to the present invention system.

7 is a block diagram of a third embodiment of an RF terminal system and ride information collection and settlement system applied to the present invention system.

FIG. 8 is a block diagram of a contactless RF traffic card payment system in which a balance inquiry and refilling means of a traffic card is provided online and offline according to a third embodiment of the present invention.

9 is a block diagram of a non-contact RF traffic card payment and refill system with a mobile communication terminal provided with the ARS balance inquiry and refilling means of a traffic card according to a fourth embodiment of the present invention.

FIG. 10 is a fifth embodiment of the present invention in which the IC chip and the loop antenna coil of an RF traffic card are embedded in a portable communication terminal device, so that the payment and refilling of a contactless traffic card is performed on the wireless Internet. This is a block diagram of the system.

Fig. 11 is an internal block diagram of a portable communication terminal with an IC chip for an RF traffic card according to a fifth embodiment.

12 is an overall flowchart of a process of paying a bill and refilling a balance using an RF card according to the present invention.

FIG. 13 is a flowchart illustrating a traffic fee payment and refilling process using a portable communication terminal to which an RF IC chip having a wireless Internet refilling function according to the present invention is applied.

※ Explanation of symbols about main part of drawing ※

10: RF card issue system 11: Sales system

12: RF traffic card 13: RF terminal system

14: Ride information collection and settlement system 15: Fund transfer system

16: charging system 17: PC

18: telephone 19: wireless Internet service system

20: RF terminal system 21: microcomputer

22: display device 23: data input and output interface device

24: Transaction approval card information storage device 25: B / L DB

26: RF signal processing unit 27: loop antenna coil

28: PCS (or wireless data communication device) 30: Ride information collection and settlement system

31: microcomputer 32: display device

33: Data input / output interface device 34: Settlement fee information storage device

35: B / L DB 36: PCS (or wireless data communication device)

40: main server 41: web server

42: Bank Account Management System 43: Internet Banking System

44: Internet 45: B / L DB

46: card DB 47: e-mail sending system

48: ARS 49: Phone Banking System

50: mobile communication terminal 60: mobile communication terminal with IC chip

61: microcomputer 62: display device

63: RF transmission and reception unit 64: key input unit

65: IC chip 66: loop antenna

67: audio / video signal processor

The present invention relates to payment of public transportation means using a contactless transportation card and charging technology of the transportation card, and in particular, it is possible to quickly and accurately process the use authentication and payment of a contactless transportation card and is time and place dependent. The present invention relates to a payment and balance refill system for a contactless transportation card, which enables instant confirmation of transportation card balance information and immediate refilling of additional reserves.

Recently, thanks to the proliferation of bus cards, which are a kind of prepaid card, and subway cards, which are a kind of postpaid card, the proportion of the card payment method is increasing among the payment method of transportation fee. Most payments will be made by credit card, not cash.

In particular, the bus card charges and accumulates a certain amount of information in the memory area mounted inside the card, and checks the amount of information corresponding to the fare of the bus by checking the RF terminal system installed at the bus entrance when using the bus. It is based on a payment system.

Figure 1 shows the configuration of a fare payment and refill system using a conventional RF traffic card. As referred to herein, the existing bus card system, that is, the RF traffic card system, supplies an operating voltage to the IC chip and the IC chip having a chargeable amount information storage area and an individual unique number information storage area. RF traffic card 12 having an antenna mounted therein for exchange of information, RF card issuing system 10 for issuing and managing the RF traffic card 12, and issuing through the RF card issuing and managing system A sales system 11 for selling the RF traffic card to a general consumer, a charging system 16 connected to the RF card issuing and managing system to charge the amount of money information corresponding to a request amount of the RF traffic card holder; Installed at the entrance and exit of the bus, when using the card by the RF traffic card holder, after reading the amount of information accumulated in the relevant RF traffic card, the transaction approval information and the balance of the card information after payment Collect and settle the RF terminal system 13 to display and the sales amount information accumulated in a plurality of RF terminal systems, provide the sales information to the RF card issuance and management system, and collect ride information directly. And a settlement system 14 and a fund transfer system 15 that pays the charges to the ride information collection and settlement system when there is an application for transfer of funds from the RF card issuance and management system.

The operation process of the conventional RF transportation (bus) card payment and charging system is as shown in FIG.

First, a person who wants to use an RF traffic card purchases the RF traffic card 12 through the sales system 11. After that, the RF traffic card is used as it is, or a certain amount of cash is paid to the charging system 16 of the charging station to replenish the amount of money, and the amount information corresponding to the payment amount is accumulated and used in the RF traffic card.

 When the holder of the RF traffic card 12 rides the bus and approaches his card to the RF terminal system 13 installed at the entrance of the bus within a specified distance (for example, about 10 cm), the RF traffic card ( The power of the electromagnetic field formed by the RF terminal system 13 is induced in the antenna coil mounted inside the antenna 12, and the IC chip of the RF traffic card is activated.

When the IC chip of the RF traffic card is activated, the amount information stored in the memory inside the IC chip is transmitted to the RF terminal system 13 through the antenna coil inside the RF traffic card, and the RF terminal system 13 transmits the RF It accepts the information of the transportation card and determines whether the current amount information is more than the amount corresponding to the fare of the corresponding round.

At this time, if the amount accumulated in the RF transit card is more than the amount that can be settled, the amount corresponding to the ride fare is deducted, the remaining balance of the RF transit card is displayed, and the transaction and its approval are completed.

If the current balance of the RF transit card is less than the fare of the corresponding round, a warning message of insufficient balance will be displayed to indicate rejection of the transaction and a cash payment of the fare will be requested.

On the other hand, the total amount information received from the RF traffic card users accumulated in the RF terminal 13 is collected and settled by individual bus units in the ride information collection and settlement system 14 to the RF traffic card issuing system 10 side. Invoice for sales. In accordance with the billing of the ride information collection and settlement system 14, the RF card issuing system 10 may settle the bill through the direct payment method or the indirect payment method through the fund transfer system 15. do.

This RF transportation (bus) card system frees passengers from the problems of change in cash and the purchase and retention of tokens from token riding so far, and reduces the administrative burden on bus carriers. It brings economic benefits.

However, the existing RF traffic (bus) card system has the following disadvantages.

First of all, to replenish the RF bus card with the price information, you must go to the charging station (which also serves as the sales office). Therefore, there is considerable inconvenience in charging the amount information on the RF bus card except in the city center where the charging stations are concentrated.

Second, the balance information remaining on the RF bus card can not be known except when the passenger directly boards the bus to pay the fare or charge the RF bus card. Therefore, RF bus card holders are frequently required to get cash payment for bus fare or get off as it is because there is not enough balance accumulated on their card. Therefore, the user using the RF bus card has a burden that must always remember the balance information amount information when using the last bus that represents the amount information stored on their card.

An object of the present invention is to quickly and accurately process the use authentication and payment of non-contact transportation card using RF technology, and to check the balance information of the transportation card and refill of additional reserves without regard to time and place. The present invention provides a payment and balance refill system for a contactless transportation card.

Another object of the present invention is to provide a payment and balance refill system for a contactless transportation card that can reduce the burden of carrying a separate RF transportation card by mounting a portable communication terminal and the RF traffic card.

It is still another object of the present invention to integrate an RF (chip) transportation card into a mobile communication terminal and interwork with a mobile communication system so that the balance information and refill of a contactless transportation card can be viewed and refilled via a wireless Internet connection. To provide an Epil system.

The present invention for achieving the above object is an RF traffic card having a unique number, and RF terminal system for determining whether to approve the transaction by reading its unique number in a non-contact way when using the RF traffic card and inquiring it to the B / L information; A ride information collection and settlement system that provides B / L information to the RF terminal system and collects and approves the transaction approval information for each unique number of the traffic card; and a card DB having balance information for each unique number of the RF traffic card. And a B / L DB that frequently updates the unique number information of the RF traffic card lacking the balance in the card DB, and reports sales and bills for billing according to the results of the approval of the use of the RF traffic card from the ride information collection and settlement system. Receives the settlement process for each card unique number in the card DB to update the balance information for each card, and the B / L DB of the boarding information collection and settlement system Opened the main server to provide B / L information, and the site for providing RF traffic card balance information inquiry and related information on the Internet, if there is a request for confirmation of balance by the holder of the RF traffic card by the unique number contained in the card DB After the balance information is read through the main server, a web server providing a service for informing the requestor of the balance information, and when the deposit of the RF traffic card refilling amount of a specific unique number through Internet banking or PC banking is confirmed, the corresponding card in the DB It provides a bank account management system that provides the deposit information to the main server so that the balance information of the card unique number is updated, and pays the bill for the boarding fee repair and settlement system according to the payment approval information of the main server. It features.

Another feature of the present invention is configured to enable the reconstruction of the balance information check and the accumulated amount of the RF traffic card using the ARS (Audio Response System) instead of the Internet in checking and refilling the RF traffic card balance information using the Internet. have.

Another feature of the present invention is to mount an IC chip for an RF transportation card in a portable communication terminal and to configure the balance information of the IC chip and refill the accumulated amount using the wireless Internet.

Hereinafter, the present invention will be described with reference to the accompanying drawings.

3 shows a first embodiment of a payment, balance inquiry and balance refill system for a contactless transportation card according to the present invention.

As referred to herein, the technical configuration of the first embodiment of the present invention deals with the RF traffic card 12 having a unique number, and a non-contact reading of the unique number of the RF traffic card when using the RF traffic card. An RF terminal system 20 for determining whether to approve, a ride information collection and settlement system 30 for providing B / L information to the RF terminal system and collecting and paying transaction approval information for each traffic card unique number; The card DB 46 holds balance information for each unique number of the RF traffic card and the B / L DB 45 for frequently updating the unique number information of the insufficient RF traffic card in the card DB. Receive the sales report and billing request according to the result of the approval of the use of RF traffic card from the information collection and settlement system. Opened the main server 40 to provide the B / L information of the B / L DB to the ride information collection and settlement system, and a site for providing RF traffic card balance information inquiry and related information on the Internet 44 Web server 41 for providing a service for informing the requestor of the balance information for each unique number contained in the card DB when the RF traffic card holder requests the balance check, and informs the requestor of the balance, and Internet banking or PC. When the deposit of the RF traffic card refill amount of a specific unique number through banking is confirmed, the deposit information is provided to the main server so that the balance information of the corresponding card unique number in the card DB is updated, and according to the payment approval information of the main server. And a bank account management system 42 for paying billing for the ride information collection and settlement system.

In addition, the main server 40, if there is a registration request for the balance inquiry and the use record list for the RF transport card of a specific unique number, the registration of the e-mail address, for sending the card information of the unique number to the registered e-mail address An e-mail server 47 can be added. This e-mail service can be operated on a membership basis, and it can also be linked to a program that automatically sends information on the use of RF traffic card by unique number at regular intervals.

In addition, the RF traffic card 12 is issued by the RF card issuing system 10 is provided to the general traffic card users through the sales system 11, the main server 40 side of the RF card issuing system ( 10) It receives card issuance information (unique number information) from the card DB 46 and stores it, manages transaction approval, payment, and balance refilling, and integrates multiple types of transportation cards issued by multiple transportation card operators. It can be operated.

The B / L DB 45 may construct a database with only a list of transaction permit cards as opposed to the above if the list of transaction permit cards is easier than the list of accident cards, that is, the information on the lack of balance card. .

 Referring to the operation of the first embodiment of the present invention configured as described above are as follows.

The RF traffic card 12 issued by the RF card issuing system 10 and sold to the general traffic card consumer through the sales system 11 has the same number on the surface of the card as the unique number contained in the IC chip therein. It is possible to identify with the naked eye. This is necessary when checking and refilling the balance using the Internet.

The RF traffic card 12 has an IC chip having a memory area for storing its card unique number information and an organic power generated under the influence of an electromagnetic field radiated from the RF terminal system 20. And a loop antenna coil for exchange of information with the RF terminal system 20 is mounted therein. The RF terminal system 20 is also equipped with a loop antenna coil.

The RF terminal system 20 for processing information by recognizing the RF traffic card 12 in the above manner is installed at the entrance of public transportation (prepaid or postpaid) such as a bus or taxi, the RF traffic card When the card is used by the holder, B / L registration for the unique number of the corresponding RF traffic card is judged, and if it is not a B / L card, the transaction is immediately approved and the traffic for the unique number of the corresponding RF traffic card is approved. Generates billing information and transmits it to the ride information collection and settlement system 30.

The RF terminal system 20 receives and retains the B / L information from the ride information collection and settlement system 30 in an online or offline manner.

The boarding information collection and settlement system 30 downloads the B / L information from the main server 40 and provides the B / L information to the plurality of RF terminal systems 20, and the plurality of RF terminal systems 20 ) Collect and settle the traffic use authorization information for each unique number generated and accumulated in the RF traffic card, and transmit the sales report and settlement billing information to the main server 40.

The main server 40, if there is a sales report and billing payment request according to the use of the RF traffic card from the boarding information collection and settlement system 30, the settlement process for each card unique number in the card DB 46 The balance information for each card is updated, and payment approval information is sent to the bank account management system 42 to pay the price charged by the ride information collection and settlement system 30.

On the other hand, the RF traffic card holder can check how much the balance of his card using the Internet (44).

To do this, the RF traffic card holder accesses an Internet traffic card site (tentative name) operated by a web server 41 using a PC 17, selects a transportation card balance inquiry menu, and enters an RF traffic card into a unique number field. When the card unique number shown on the surface of 12 is inputted, this card unique number input information is transmitted to the main server 40 through the web server 41.

Since the main server 40 reads the balance information for the card unique number input from the card DB 46 and transfers the balance information of the card to the PC 17 of the Internet accessor via the web server 41, the card The balance inquiry applicant can simply check the balance information on his card.

In addition, the RF traffic card 12 users can easily and quickly deposit a certain amount on their card using the Internet banking system to replenish or increase the balance.

In this case, first, the PC 17 is used to access the Internet 44, and then the card number is designated through the Internet banking system 43, and the desired amount of refilling amount to the designated account of the bank account management system 42 is desired. Send money. The PC banking system can be used instead of the Internet, and the effect is the same.

At this time, the receiving designated account can be confirmed through the guide menu screen. In addition, by registering the designated receiving account in advance, the depositor can enter only the withdrawal bank information and the withdrawal amount, and can be automatically remitted with a single "transfer" click without inputting a separate deposit designated account number.

When the bank account management system 42 receives the card refill amount through Internet banking or PC banking, the bank account management system 42 immediately transmits the unique number and the deposit amount information of the RF card to the main server 40. Accordingly, the main server 40 sends the card. The balance information for the corresponding card number in the DB 46 is updated.

The balance inquiry and balance refilling service of the RF traffic card on the Internet is based on the pre-registration of the card's unique number.

In addition, when the card information is provided from the RF card issuing system 10 to the main server 40 in the registration of the unique number for the RF transportation card, the card holder does not need to separately register his unique number.

Even if there are multiple RF card issuers or multiple RF cards are issued by one RF card issuer, information on this can be classified and managed in the card DB 46, so that the issuer can be separated without artificial integration of other cards. Settlement operation becomes possible. In this case, it will be preferable to accept and operate all the unique number information of the RF card issued by the plurality of RF card issuing systems 10 at the main server 40 side.

On the other hand, the main server 40 updates the information contained in the B / L DB (45) in real time by the unique number of the card at the time of payment request and refilling the RF transportation card 12, or update at a predetermined time interval to approve the transaction Maintains the reliability of

If the e-mail server 47 connected to the main server 40 registers an e-mail address together with an application for checking balance and requesting usage list for an RF traffic card having a specific unique number, the corresponding e-mail number is registered to the registered e-mail address. Will send your card information. In addition, the e-mail service can automatically send information about the use performance by individual number or unique number of the RF transit card on a regular basis and may be operated on a membership basis.

Figure 4 shows a second embodiment of the payment, balance inquiry and balance refill system of a contactless transportation card according to the present invention.

As described herein, the technical configuration of the second embodiment of the present invention deals with RF traffic card 12 having a unique number and its unique number when the RF traffic card is used in a non-contact manner and inquires it on B / L information. RF terminal system 20 for determining whether to approve, ride information collection and settlement system 30 for providing B / L information to the RF terminal system and collecting and paying transaction approval information for each traffic card unique number; The card DB 46 holds balance information for each unique number of the RF traffic card and the B / L DB 45 for frequently updating the unique number information of the insufficient RF traffic card in the card DB. Receive the sales report and billing request according to the approval of the use of the RF traffic card from the information collection and settlement system, and settles each card's unique number in the card DB to update the balance information for each card. Check the balance from the RF traffic card holder using the main server 40 and the phone 18 coupled to the main server 40 to provide B / L information of the B / L DB to the ride information collection and settlement system If requested, ARS (Automatic Response System) 48 which reads balance information for each unique number stored in the card DB and informs the requestor by voice, and the RF traffic card of a specific unique number through the ARS 48 Phone banking system 49 that can transfer money to a predetermined account number to refill a certain amount, and when the deposit of the card refill amount from the phone banking system is confirmed, the balance information of the corresponding card unique number in the card DB is updated. The bank account management system 42 provides the deposit information to the main server and pays the bill for the ride information collection and settlement system according to the payment approval information of the main server. .

The operation process of the second embodiment of the present invention configured as described above is mostly similar to that of the first embodiment. The difference is that ARS is used instead of the Internet, so ARS and phone banking systems are applied instead of web servers, Internet banking systems, and PCs.

However, this ARS method is not very different from the Internet usage method for the balance inquiry and refill of the card, and their operation process is not difficult to predict, so the description thereof will be omitted.

5 is the first of a detailed configuration example of the RF terminal system 20 that is applied in the first and second embodiments of the present invention.

As referred to herein, the microcomputer 21 has a data input / output interface device 23, a transaction approval card information storage device 24, and a B / L DB 25 that are connected offline to the ride information collection and settlement system 30. And the RF signal processing unit 26 having the loop antenna coil 27 and the display device 22 are connected.

In the first embodiment of the RF terminal system 20 configured as described above, information exchange between the ride information collection and settlement system 30 is performed offline. Therefore, the card information detected by the RF traffic card 12 approaching the loop antenna coil 27 is processed by the RF signal processing unit 26 and input to the microcomputer 21, and the microcomputer enters the B / L DB 25. Only check whether it is a registered transaction stop card, and if not a B / L card, approve the transaction immediately and display the result through the display device 22 to indicate whether the transaction is approved to the card user. In addition, according to the transaction approval at this time, the microcomputer temporarily stores the unique number of the RF traffic card and the fare information of the corresponding time in the transaction approval card information storage device 24.

The fare sales information stored in the transaction approval card information storage device 24 is the boarding information when the RF terminal system 20 is coupled to the boarding information collection and settlement system 30 through the data input / output interface device 23. After being transferred to the collection and settlement system 30 and settled here, the transportation fee is billed to the main server.

In addition, when the boarding information collection and settlement system 30 and the boarding information collection and settlement system 30 are connected, data of the B / L DB 25 is updated.

In this case, the offline connection time can be determined, for example, at the time of completion of each bus operation or in the morning and afternoon.

FIG. 6 is a diagram illustrating a second configuration of the RF terminal system 20 and the ride information collection and settlement system 30 applied in the first and second embodiments of the present invention.

Here, the RF terminal system 20 has a PCS (including wireless data communication) 28, a transaction approval card information storage device 24, a B / L DB 25 and a loop antenna coil 27 in its microcomputer 21. The RF signal processor 26, the display device 22, and the data input / output interface device 23 are connected to each other, and the boarding information collection and settlement system 30 includes PCS (wireless data communication) in its microcomputer 31. 36, the billing rate information storage device 34, the B / L DB 35, the display device 32, and the data input / output interface device 33 are connected to each other.

Accordingly, when the RF traffic card 12 approaches the loop antenna coil 27 mounted inside the RF terminal system 20 and the card information is processed by the RF signal processing unit 26, the RF traffic card 12 is input to the microcomputer 21. , MICOM immediately checks whether the current card is a transaction stop card registered in the B / L DB 25, approves the transaction if it is not a B / L card, and displays the result to the card user through the display device 22. Indicate whether or not to approve and temporarily store the unique number of the other card and the fare information of the corresponding turn in the transaction approval card information storage device 24 in the transaction result.

Fare sales information stored in the transaction approval card information storage device 24 of the RF terminal system 20 is wirelessly transmitted to the PCS 36 of the ride information collection and settlement system 30 through the PCS 28 or the wireless data communication system. do. The fare sales information input by wireless transmission to the PCS 36 of the ride information collection and settlement system 30 is processed by the microcomputer 31 and stored in the settlement fare information storage device 34, and this information is inputted and outputted. Through the interface device 33, the sales report and payment billing information are transmitted to the main server side. This information is also displayed on the display device 32.

Further, when the PCS 36 of the ride information collection and settlement system 30 and the PCS 28 of the RF terminal system 20 are connected, the B / L DB 35 of the ride information collection and settlement system 30 is connected. Is transmitted to the B / L DB 25 of the RF terminal system 20 to update the B / L data.

In the second embodiment of the ride information collection and settlement system 30 and the RF terminal system 20, the information exchange between the two can be designed to be wirelessly performed at regular intervals. The information exchange can be carried out whenever desired but at a desired point in time. As in the first embodiment, the reliability of the B / L check for transportation fare payment is improved rather than relying on offline.

FIG. 7 is a diagram illustrating a third configuration of the RF terminal system 20 and the ride information collection and settlement system 30 applied in the first and second embodiments of the present invention.

Here, the RF terminal system 20 connects only the RF signal processing unit 26 and the display device 22 having a PCS (including a wireless data communication system) 28 and a loop antenna coil 27 to its microcomputer 21. It is made up.

In addition, the boarding information collection and settlement system 30 has a PCS (including a wireless data communication system) 36, a display device 32, a data input / output interface device 33, and a settlement fee information storage device 34 in its microcomputer 31. ) And B / L DB 35 are connected.

Accordingly, when the RF traffic card 12 approaches the loop antenna coil 27 installed in the RF terminal system 20 and is input to the microcomputer 21 after the card information is processed by the RF signal processing unit 26, the microcomputer 21 Reads the unique number information of the card immediately and wirelessly transmits to the PCS 36 side of the ride information collection and settlement system 30 through the PCS (28).

The unique number information of the RF traffic card which is wirelessly transmitted to the PCS 36 of the boarding information collection and settlement system 30 and inputted to the microcomputer 31 is searched in the B / L DB 35 to determine whether to approve the transaction, and The decision information is transmitted to the microcomputer 21 in the RF terminal system 20 through the PCS 36 and 28 and displayed on the display device 22 so that the RF traffic card user and the driver can recognize whether the transaction has been approved. .

In this case, if the RF traffic card 12 is in a normal state, the information collected and processed in the microcomputer 31 in the ride information collection and settlement system 30 is stored in the settlement fee information storage device 34 through the data input / output interface device 33. The sales report and billing information is sent to the main server.

In the third embodiment of the ride information collection and settlement system 30 and the RF terminal system 20, the information exchange between the two is processed in real time, so that the B / L card generation information can be determined quickly and accurately. The reliability of the payment system can be improved.

8 is a block diagram of a contactless RF traffic card payment and refill system provided with a dual type of refilling means for online and offline in accordance with a third embodiment of the present invention.

This embodiment basically combines the present invention technology Fig. 3 and the prior art Fig. 1 organically configured a dual-type contactless RF traffic card payment and refill system of a special effect, that is, online and offline, the technical configuration The RF traffic card 12 has a unique number, and when using the RF traffic card, by reading the unique number of the contactless contact B / L information to determine whether to approve the transaction and also read the amount information in the card RF terminal system 20 'to collect as much as the fare, ride information collection and settlement system 30 to provide B / L information to the RF terminal system and collect and settle the transaction approval information for each unique traffic card number; The card DB 46 holding balance information for each unique number of the RF transit card and the unique number information of the insufficient RF transit card in the card DB can be updated from time to time. It has a B / L DB (45), and receives the sales report and billing charges according to the use of the RF traffic card from the ride information collection and settlement system, and settles each card by the card's unique number in the card DB. To update the information and to provide the B / L information of the B / L DB to the boarding information collection and settlement system; and to provide the RF traffic card balance information inquiry and related information on the Internet 44. Web server 41 that provides a service for reading the balance information for each unique number contained in the card DB through the main server and informing the requestor when a balance confirmation request is made by an RF traffic card holder by opening a site for the site. When the deposit of the RF traffic card refill amount of a specific unique number is confirmed through Internet banking or PC banking, the deposit information is updated so that the balance information of the corresponding card unique number in the card DB is updated. A bank account management system 42 for providing a beam to the main server and paying a bill for the ride information collection and settlement system according to the settlement approval information of the main server, and issue an RF traffic card and issue the issued information to the main server. RF card issuing system 10 provided to the 40 and the amount of sales information collected from the RF terminal system 20 'and settled, and then provide the amount of sales information to the RF card issuing system and directly charge the bill The ride information collection and settlement system 14, the sales system 11 for selling the RF traffic card issued through the RF card issuing system to the general consumer, and the RF card issuance and management system, It includes a charging system 16 for charging the amount information corresponding to the request amount of the card holder.

The operation process of the third embodiment of the present invention configured as described above is as follows.

First, the RF traffic card 12 issued by the RF card issuing system 10 and sold to the general traffic card consumer through the sales system 11 stores the unique number information and the amount information in the IC chip therein. On the surface of the card, the same number as the unique number recorded in the memory for storing the unique number of the IC chip is displayed on the surface of the card.

The RF traffic card 12 has an IC chip having a memory area for storing its card unique number information and value information in separate areas, and an organic material generated under the influence of electromagnetic fields emitted from the RF terminal system 20. A loop antenna coil for supplying power to the IC chip at an operating voltage and exchanging information with the RF terminal system 20 'is mounted therein. The RF terminal system 20 'is also equipped with a loop antenna coil.

The RF terminal system 20 'for recognizing the RF traffic card 12 and processing information is installed at an entrance of a public transportation (prepaid or postpaid) such as a bus or a taxi, When using the card, read the card's unique number from the memory area of the corresponding RF traffic card to determine whether the corresponding number is the B / L registration number, and if not the B / L card, immediately approve the transaction and based on the transaction approval information, Generates the traffic use billing information for the unique number of the traffic card and transmits to the ride information collection and settlement system (30).

The RF terminal system 20 'receives and holds the B / L information from the ride information collection and settlement system 30 in an online or offline manner.

The boarding information collection and settlement system 30 downloads the B / L information from the main server 40 side, provides the B / L information to the plurality of RF terminal systems 20 ', and provides the plurality of RF terminal systems ( 20 ') collect and settle the traffic use approval information for each unique number generated and accumulated in the RF traffic card, and transmit the sales report and the settlement billing information to the main server 40.

The main server 40, if there is a sales report and billing payment request according to the use of the RF traffic card from the boarding information collection and settlement system 30, the settlement process for each card unique number in the card DB 46 The balance information for each card is updated, and payment approval information is sent to the bank account management system 42 to pay the price charged by the ride information collection and settlement system 30.

On the other hand, the RF traffic card holder can check how much the balance of his card using the Internet (44).

To do this, the RF traffic card holder accesses an Internet traffic card site (tentative name) operated by a web server 41 using a PC 17, selects a transportation card balance inquiry menu, and enters an RF traffic card into a unique number field. When the card unique number shown on the surface of 12 is inputted, this card unique number input information is transmitted to the main server 40 through the web server 41.

Since the main server 40 reads the balance information for the card unique number input from the card DB 46 and transfers the balance information of the card to the PC 17 of the Internet accessor via the web server 41, the card The balance inquiry applicant can simply check the balance information on his card.

In addition, the RF traffic card 12 users can easily and quickly deposit a certain amount of money on the unique number of their card using the Internet banking system to replenish or increase the balance.

In this case, first, the PC 17 is used to access the Internet 44, and then the card number is designated through the Internet banking system 43, and the desired amount of refilling amount to the designated account of the bank account management system 42 is desired. Send money. Remittances can be made using a PC banking system rather than the Internet, and the effect is the same.

At this time, the designated receiving account can be confirmed through the guide menu screen. In addition, by registering the designated receiving account in advance, the depositor can enter only the withdrawal bank information and the withdrawal amount, and can be automatically remitted with a single "transfer" click without inputting a separate deposit designated account number.

When the bank account management system 42 receives the card refill amount through Internet banking or PC banking, the bank account management system 42 immediately transmits the unique number and the deposit amount information of the RF card to the main server 40. Accordingly, the main server 40 sends the card. The balance information for the unique number of the corresponding card in the DB 46 is updated.

The balance inquiry and balance refill service for the unique number of the RF traffic card on the Internet is based on the pre-registration of the unique number of the card.

In addition, when the card information is provided from the RF card issuing system 10 to the main server 40 in the registration of the unique number for the RF traffic card, the card holder does not need to separately register the unique number.

Even if there are multiple RF card issuers or multiple RF cards are issued by one RF card issuer, information on this can be classified and managed in the card DB 46, so that the issuer can be separated without artificial integration of other cards. Settlement operation becomes possible. In this case, it will be preferable to accept and operate all the unique number information of the RF card issued by the plurality of RF card issuing systems 10 at the main server 40 side.

The main server 40 updates the information contained in the B / L DB 45 in real time by the unique number of the card at every request or refill of the RF transportation card 12, or at a predetermined time interval, thereby ensuring the reliability of the transaction approval. Will be maintained.

On the other hand, when using the amount of money information stored in the RF traffic card 12, the RF terminal system 20 'when the IC chip of the RF traffic card 12 is activated, the amount of information stored in the memory of the IC chip is stored inside the RF traffic card again. Is transmitted to the RF terminal system 20 'through an antenna coil, and the RF terminal system 20' receives the information of the RF traffic card and whether the current price information is equal to or greater than the amount of the ride. Determine whether or not.

At this time, if the amount accumulated in the RF traffic card 12 is more than the amount that can be settled, the remaining amount of the remaining RF traffic card after subtracting the amount corresponding to the ride fare, and completes the transaction and its approval.

The RF traffic card 12 pays a certain amount of cash to the charging station to replenish the amount of money, and accumulates and uses the amount information corresponding to the amount of payment through the charging system 16 in the amount information memory area of the IC chip inside the card. Done.

The total amount of information received from the RF transit card users accumulated in the RF terminal system 20 'is collected and settled by individual bus units in the ride information collection and settlement system 14 to the RF transit card issuing system 10 side. Invoice for sales. According to the charge of the ride information collection and settlement system 14, the RF card issuance system 10 pays the corresponding bill to the ride information collection and settlement system 14.

9 is a block diagram of a non-contact RF traffic card payment system with a mobile communication terminal provided with an ARS refill means according to a fourth embodiment of the present invention.

The fourth embodiment of the present invention is characterized in that the RF traffic card 12 is made in the form of a sticker, and a certain portion of the mobile communication terminal 50, for example, a battery mounting groove of the mobile communication terminal body or an outer surface or a flip of the battery. One side of the patch is to configure to carry.

The rest of the configuration is substantially the same as that in Fig. 4 showing the second embodiment of the present invention.

In the case of using the public transportation means by using the RF traffic card 12 mounted (attached) to the mobile communication terminal 50 described in the fourth embodiment, the mobile communication terminal always carried by the user of the means of transportation ( 50) is to check the access to the RF terminal system 20 is very convenient to use. In particular, if the check result of the RF terminal system 20, the balance of the RF traffic card 12 is insufficient, immediately access the ARS 48 using the mobile communication terminal 50, and then the phone banking system 43 through the unique bank of the card 43 Using the number, you can refill the balance of the RF transit card 12 to the designated account or cancel the B / L status registered in the B / L DB 45, so as to avoid the cash ride or the inability to ride. It becomes possible.

Also in the fourth embodiment of the present invention, as in the case of the second embodiment, the ARS 48 is used to access the main server 40, so that the balance of the RF traffic card 12 of the corresponding unique number stored in the card DB 46 is maintained. You can simply check

10 is a fifth embodiment of the present invention by mounting the IC chip and the loop antenna coil of the RF traffic card in the portable communication terminal to enable the balance inquiry, traffic fare payment and balance refill of the RF traffic card through the wireless Internet A contactless transportation card payment and balance refill system is shown.

The fifth embodiment of the present invention is characterized in that the IC chip constituting the RF traffic card 12 and the loop antenna coil are installed inside the mobile communication terminal 60 so that the mobile communication terminal 60 functions as an RF traffic card. Configure to In particular, the RF traffic card IC chip and the loop antenna coil installed inside the mobile communication terminal 60 may be reflected in the circuit design of the mobile communication terminal, thereby integrating the RF traffic card into the mobile communication terminal. For example, the loop antenna coil coupled to the IC chip for the RF traffic card may be installed along the inner periphery of the display device of the mobile communication terminal 60.

11 is an internal block diagram of a portable communication terminal 60 incorporating the IC chip for RF traffic card.

As referred to herein, the microcomputer 61 for controlling the overall operation of the portable communication terminal includes a display device 62 for displaying communication information, an RF transmitter / receiver 63 for demodulating and demodulating radio frequency signals transmitted and received, and a telephone. A key input unit 64 for number input and various function selection, an audio / video signal processor 67 for processing audio and video signals input through a camera and a microphone, and an audio signal output to a speaker, and a loop antenna coil An RF traffic card IC chip 65 having 66 is connected.

When the public transportation means is used by using the RF communication card chip built-in portable communication terminal 60 configured as described above, the portable communication terminal 60 is approached to the RF terminal system 20 for the built-in portable communication terminal RF. Traffic card unique number contained in the IC chip 65 is transmitted to the RF terminal system 20 is confirmed whether the transaction approval through B / L inquiry.

The traffic fee payment process after the transaction approval in the RF terminal system 20 is performed in the same manner as described in the other embodiments of the present invention.

The unique number of the RF IC chip designed to be integrated into the portable communication terminal 60 can be recognized by the terminal itself. In general, the manufacturer of the mobile communication terminal 60 sets the unique number of the RF IC chip to a fixed value, and the terminal user has the unique number of the registered IC chip. You can check or refill your balance.

Alternatively, the manufacturer of the mobile communication terminal 60 sets the unique number of the RF IC chip to a settable value, and the terminal user can register the unique number of the RF IC chip directly so that the unique number You can use the number to pay for public transportation, check your balance, or refill your balance.

On the other hand, the holder of the mobile communication terminal 60 accesses the Internet using the wireless Internet service system 19, accesses the main server 40, and the unique number of the owned RF IC chip contained in the card DB 46. You can check the balance check for real time very easily, and you can also deposit a certain amount to a predetermined account through Internet banking and save the amount in the IC chip for RF of the corresponding unique number of the card DB.

At this time, instead of inputting the unique number of IC chip for balance inquiry one by one, using the registered unique number calling key, you can easily search the balance of RF traffic card by key input according to one function key selection. The unique number call key may be used to designate a selection key number through a display display unit or to designate a specific number as a shortcut key.

In addition, the main server 40 reads the transportation fare payment results and balance history information of the card DB 46 and the e-mail address or mobile communication terminal 60 registered in advance through the e-mail server 47 ) Can be sent.

12 is a flowchart illustrating a process of paying a fare and refilling a balance using an RF traffic card according to the present invention.

As referred to herein, after purchasing the RF traffic card, if the balance inquiry of the RF traffic card is registered in the state where the card unique number is registered in the main server, it is determined whether the Internet is used. At this time, if you use the Internet, access the relevant transportation card site, check the current balance, then determine whether to refill the RF card balance.If you select the refill mode, transfer the funds to the designated account through the Internet banking system and check the corresponding refill amount. do.

In the balance inquiry mode, if the ARS mode is selected in the balance inquiry mode, if the ARS mode is selected, the current balance is checked using the ARS, and if there is a request for refilling the RF card balance, the funds are transferred to the designated account through the phone banking system and the corresponding refill amount is normally deposited. Check if it is

On the other hand, if the balance status of the RF card is not used, the RF terminal system reads the card's unique number and inquires B / L information. At this time, if it is determined that the B / L card, a message prompting for the cash payment of the transportation fee is output so that the transportation user can select either cash payment or getting off.

However, if the result of B / L inquiry of the unique number of the leaded RF transportation card is normal, settlement of the fee will be executed with the corresponding unique number after the transaction is approved.

13 is a flowchart illustrating a payment process and a balance refilling process using a portable communication terminal to which an RF IC chip having a wireless Internet refilling function according to the present invention is applied.

As referred to here, after accessing the wireless Internet using a mobile communication terminal and accessing the transportation card site and selecting the inquiry of the balance accumulated in the RF IC chip, the unique number of the IC chip registered in advance Automatically sent to the main server

Accordingly, the main server reads the balance information of the RF IC chip of the corresponding unique number stored in the card DB and outputs it to the display screen of the mobile communication terminal.

In order to execute the refill after checking the reserve of the RF IC chip displayed on the display window of the mobile communication terminal, the Internet banking mode or the ARS mode is selected. One of the two modes above, i.e., transfer funds to the designated account through phone banking or transfer to the designated account through internet banking, and confirm the refill amount.

As described above, the present invention can quickly and accurately process the use authentication and payment of a contactless transportation card, and enables the identification of the balance information of the transportation card and the refilling of additional reserves without regard to time and place. The effect of will appear.

In addition, the present invention is equipped with the RF traffic card in the mobile communication terminal has the effect of relieving the burden of having to carry a separate RF traffic card.

In addition, the present invention is to select the balance inquiry of the traffic card (chip) using a portable communication terminal with a built-in IC IC card for RF transportation card IC chip unique information is automatically transmitted after the wireless Internet connection to confirm the balance information In addition, it is possible to refill a certain amount of money in the RF (chip) transportation card, which makes the use of the transportation card convenient.

In addition, in the present invention, even if a number of RF card issuers or multiple RF cards are issued by one RF card issuer, information on this can be collectively managed in the card DB, so that the issuer is artificial Separate settlement operations are possible without integration.

Claims (21)

RF traffic card 12 having a unique number; An RF terminal system 20 for determining whether to approve a transaction by reading the unique number of the RF traffic card in a non-contact manner and inquiring about B / L information; A ride information collection and settlement system for providing B / L information to the RF terminal system and collecting and paying transaction approval information for each unique number of the RF traffic card; It has a card DB (46) for holding balance information for each unique number of the RF traffic card and the B / L DB (45) for frequently updating the unique number of the balance shortage card or the unique number of the transaction permit card in the card DB Receives the sales report and payment billing information according to the approval result of the use of the RF traffic card from the ride information collection and settlement system, and processes the settlement information for each unique number in the card DB to update the balance information for each card and collect and settle the ride information. A main server 40 for providing B / L information of a B / L DB to the system; Web server that provides internet service menu for inquiry and refilling RF transportation card balance information on the Internet, and provides balance information inquiry and refilling service for registered RF transportation card on card DB through the main server through this Internet service. (41); And depositing the refill amount for the RF traffic card of a specific unique number through Internet banking or PC banking through the web server, so that the balance information is updated on the RF traffic card of the corresponding unique number in the card DB. And a bank account management system 42 which provides to and performs payment of the bill for the ride information collection and settlement system according to the payment approval information of the main server. . delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

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