KR100837637B1 - System and method for mobile payment by using non-contact charging system - Google Patents

Abstract

A system and a method for processing mobile payment with a non-contact recharging system are provided to enable a user to use a payment service conveniently while recharging a mobile terminal and performing user authentication based on a mobile IC chip embedded in the mobile terminal by connecting to a non-contact recharger. A mobile terminal(A) is embedded with a mobile IC chip(11). A battery pack(B) is attached to the mobile terminal. A non-contact recharging system(D) includes a non-contact recharger(C) mounting and recharging the mobile terminal or the battery pack. A computer(E) supplies power to the non-contact recharging system by USB(Universal Serial Bus) communication. A payment server(F) performs payment based on user input by connecting to the computer through an Internet line. Mobile payment is performed by receiving a user authentication code from the mobile IC chip of the mobile terminal, which is connected to the computer through a USB communication line, mounted on the non-contact recharging system when a screen for the payment is displayed in a display device(51) and the payment server requests the user authentication code.

Description

Wireless payment system and payment method using contactless charging system {SYSTEM AND METHOD FOR MOBILE PAYMENT BY USING NON-CONTACT CHARGING SYSTEM}

1 is a side view of a contactless charging system according to the prior art.

2 is a schematic configuration diagram of a wireless payment system using a contactless charging system of the present invention.

3 is a block diagram of a contactless system of the wireless payment system of the present invention.

4 is a flowchart illustrating a payment method of a wireless payment system of the present invention.

5 is a flowchart illustrating a payment method of a wireless payment system of the present invention.

<Explanation of symbols for the main parts of the drawings>

A: portable terminal B: battery pack

C: Solid state charging device D: Solid state charging system

E: Computer F: Payment Server

11: Mobile IC Chip

21: secondary side core 23: battery cell

24: battery pack control unit

31: USB port 34: Central control unit

37: primary side core part

The present invention relates to a wireless payment system, and more particularly, it is provided to receive a user authentication from a mobile IC chip in a portable terminal, and can receive financial payment, bill payment or user authentication by charging the power and receiving user authentication. The present invention relates to a wireless payment system using a contactless charging system that can easily use a financial settlement service.

In general, a battery pack is provided to supply power of a portable terminal, and includes a battery cell in which electricity is stored and a charging circuit for charging and supplying electricity.

As a charger for charging electricity in the battery pack for a portable terminal, there is a terminal supply method for receiving electricity from a general power source and supplying power to the battery pack through a power supply terminal for the battery pack. However, when the power is supplied by the terminal supply method, when the charger and the battery pack are contacted or separated, the terminals on both sides have different potentials, and thus a momentary discharge phenomenon occurs. As a result, if foreign matters accumulate on both terminals, a fire may occur. In addition, there is a problem that deteriorates the life and performance of the charger and battery pack, such as natural discharge due to moisture.

In order to solve this problem of the terminal supply method, a contactless charger has been developed. That is, such a contactless charger configuration is shown in Figure 1, showing the Republic of Korea Patent Laid-Open Publication No. 2002-57469 (contactless battery charger using a core-less ultra-thin printed circuit board transformer and its printed circuit board transformer), the contactless charger 300 When the upper portion of the primary coil 310, the battery pack 410 to be charged is located in the upper portable terminal 400, by the secondary coil 420 inside the battery pack 410 It is charged. That is, the secondary coil 420 charges electricity induced from induced electromotive force by the magnetic field generated by the primary coil 310.

However, such a conventional contactless charger only provides power to the portable terminal, there is a problem that can not be used for other easy applications.

In addition, there is a problem that charging or system management is not easy because there is no other configuration for data communication.

The present invention for solving the above problems is to receive a user authentication from a mobile IC chip in a portable terminal that is connected to a non-contact charging device from a contactless charging device in a contactless charging system connected to a computer and a USB communication line to charge power. With the purpose of charging the power and receiving user authentication, financial payment, bill payment or user authentication, etc., there is an object of making it easy to use the financial payment service.

In addition, the financial settlement service can be used if only the user of the mobile IC chip corresponding to the user ID determined by the computer and the Internet service is secured during the authentication process. .

Wireless payment system using a non-contact charging system of the present invention for achieving the above object is a portable terminal (A) with a built-in mobile IC chip (11); A battery pack (B) provided integrally with the portable terminal (A) or provided to be separated and bound; The contactless charging system (D) is provided as a contactless charging device (C) to be detachable and mounted, and the portable terminal (A) or the battery pack (B) to be contactlessly charged, the contactless charging A computer E for communicating with the system D via USB communication and for supplying power; It comprises a payment server (F) connected to the computer (E) and the Internet line 12 to perform a financial settlement by the user's input, and the display screen 51 of the computer (E) for performing the financial settlement The IC chip for mobile of the portable terminal A of the contactless charging system D connected to the computer E and a USB communication line in requesting a user authentication code from the payment server F 11) characterized in that provided with a user authentication code to perform a wireless payment.

The contactless charging device (C) is connected to the USB port 31 and the data terminal 311 of the USB port 31, which is connected to the computer (E) by USB communication is transmitted and received from the computer (E) Data transmission and reception conversion unit 32 for converting data to enable input and output of data, connected to the data transmission and reception conversion unit 32 to process and analyze the signal received from the computer (E), and transmit to the computer (E) The battery pack under the control of the data processor 33 for processing data, the central controller 34 for receiving data from the data processor 33 and controlling the data processor 33, and the central controller 34. B) a transmission signal processor 35 for processing data to transmit data to the data, and connected to the power terminal 312 of the USB port 31 connected to the computer E under the control of the central controller 34 Power signal processing unit for receiving a signal ( 36) converts an output signal consisting of a data signal and a power signal from the transmission signal processor 35 and the power signal processor 36 under the control of the central controller 34 to transmit to the primary side core 37. Resonant converter 38, the transmission signal processor 35 and the power signal processor 36 is connected to receive the output signal of the data signal and the power signal and the other side is connected to the resonant converter 38 bootstrap gate A gate driver 39 having a drive, connected between the power signal processor 36 and the resonant converter 38, detects a data signal transmitted from the battery pack B by the primary side core 37. It may be configured to include a current detector 302 to.

In addition, the battery pack (B) is a secondary measurement current circuit unit for converting the induced electromotive force generated in the secondary side core 21 by the induced magnetic field generated by the primary side core 37 of the contactless charging device (C) 22) connected to the secondary measurement circuit unit 22 to supply charging power to the battery cell 23 and to process data transmitted and received by the primary side core 37 and the secondary side core 21. The battery pack controller 24 supplies the power supplied from the secondary measurement circuit unit 22 to the battery cell 23 under the control of the battery pack controller 24, and supplies the power of the battery cell 23. Processes data transmitted and received with the battery pack charging circuit unit 25 and the contactless charging device C, which are supplied to the portable terminal A, and is controlled by the battery pack controller 24. Data input and output unit 26 for processing data to transmit and receive data, the battery It may be configured to include a charge monitoring circuit 27 for monitoring the charge level of the cell 23 and transmits a signal of a full charge or discharge state to the battery pack control unit 24.

In another embodiment of the present invention, the wireless payment system (D) is provided, through the user authentication using the mobile IC chip 11 embedded in the portable terminal (A) of the wireless payment system (D). Wireless payment method using a contactless charging system provided to make a financial payment,

Purchasing a product and requesting a financial transaction by a request displayed on the display screen 51 of the computer E by a merchandise purchase server 61 for purchase of a merchandise or a financial transaction server 62 of a credit card company, bank or financial company Afterwards, in order to settle the product price or financial settlement, click the payment request button for the product purchase payment to the payment server (F) of the credit card company, the bank and the financial company, or request the financial transaction server 62. A payment request selection step (S01) for transmitting a payment request signal by clicking a financial transaction request button;

A mobile IC having a user authentication scheme embedded in the portable terminal A through the display screen 51 of the user's computer E connected to the Internet from the payment server F by the payment request selection step S01. An authentication method selection step (S02) for requesting selection as an authentication method using the chip 11;

In the authentication method selection step (S02), the user information storage server 63 in the payment server (F) receiving the selection signal selected by the user using the mobile IC chip (11) embedded in the portable terminal (A) The authentication code value request for searching for the number of the portable terminal (A) of the corresponding user, and requesting an authentication code according to the corresponding user ID code with the user ID code signal corresponding to the portable terminal (A) of the user. An authentication code request step (S03) of requesting a signal to the computer (E);

Contactless charging of the contactless charging system (D) in the user computer (E) to receive a signal requesting the corresponding user ID code signal and the authentication code value from the payment server (F) by the authentication code request step (S03) A communication line authentication code request step (S04) for transmitting a user ID code signal and a signal for requesting an authentication code to a device C through a USB communication line;

In response to receiving the signal according to the communication line authentication code request step (S04), the central control unit 34 of the contactless charging device C receives a user ID code signal to the battery pack B through the primary side core 37, and Contactless authentication code request step (S05) for transmitting a signal requesting the authentication code;

Receiving a signal according to the contactless authentication code request step (S05) to transmit a signal for requesting the user ID code signal and the authentication code from the battery pack control unit 24 of the battery pack (B) to the portable terminal (A) Terminal authentication code request step (S06);

Upon receiving the signal according to the terminal authentication code request step (S06), the terminal control unit 13 of the portable terminal A receives the ID code value of the user ID code signal received from the battery pack B and the portable terminal A. A user ID code determination step (S07) of determining whether or not the user ID code values stored in the mobile IC chip 11 of the mobile phone chip 11 are identical;

If the user ID code value is matched by the user ID code determination step (S07), the terminal authentication code transmission for transmitting the authentication code value of the corresponding user ID stored in the mobile IC chip 11 to the battery pack (B). Step S08;

According to the control of the battery pack control unit 24 of the battery pack (B) by the terminal authentication code transmission step (S08) the authentication code value of the corresponding user ID transmitted from the portable terminal (A) by the contactless communication Contactless authentication code value transmission step (S09) for transmitting to the contactless charging device (C);

USB communication of the authentication code value of the corresponding user ID transmitted from the battery pack B under the control of the central controller 34 of the contactless charging device C by the contactless authentication code value transmission step (S09). A communication line authentication code value transmission step (S10) for transmitting to the computer (E) by a line;

The authentication code value of the corresponding user ID transmitted from the contactless charging device C by the communication line authentication code value transmitting step S10 is also transmitted from the computer E to the payment server F through the Internet. Payment authentication code value transmission step (S11);

By the payment authentication code value transmission step (S11), the payment server (F) receives the authentication code value of the user ID of the user from the user's computer (E), and again the user ID authentication code value storage server 64 An authentication code value comparison step (S12) of comparing and determining the authentication code value received from the user computer E after calling the authentication code value of the corresponding user;

If the authentication code value called from the user ID authentication code value storage server 64 by the authentication code value comparison step (S12) and the authentication code value received from the user computer (E) match, the payment request that has been requested from the user Payment request acceptance step to continue (S13).

Hereinafter, with reference to the accompanying drawings will be described in detail.

2 is a schematic configuration diagram of a wireless payment system using a contactless charging system of the present invention, FIG. 3 is a block diagram of a contactless system of a wireless payment system of the present invention, and FIG. 4 is a payment method of a wireless payment system of the present invention. 5 is a flowchart illustrating a payment method of the wireless payment system according to the present invention.

That is, the wireless payment system using the non-contact charging system of the present invention, as shown in Figures 2 to 5, the mobile terminal (A) with a built-in IC chip 11 for mobile, or is provided integrally with the portable terminal (A) Or a contactless battery pack (B), which is provided to be separated and bound, the portable terminal (A) or the contactless charging device (C) which is detachable and mountable and is configured to be contactlessly charged. It is equipped with the charging system (D).

In addition, the connection to the contactless charging system (D) and USB communication and supplying power to the computer (E), the computer (E) and the Internet line 12 connected to the payment to perform a financial settlement by the user's input And the server (F), which is displayed on the display screen (51) of the computer (E) for performing the financial settlement, so that the payment server (F) requests a user authentication code from the computer (E). It is provided to perform a wireless payment by receiving a user authentication code from the mobile IC chip 11 of the portable terminal A of the contactless charging system (D) connected by a USB communication line.

That is, a user purchases a product through a product purchase server 61 in which a product purchase or auction site connected to the Internet is established using a computer connected to the Internet 12, that is, a computer (e. For example, a credit card company or a financial transaction company may be connected to a financial transaction server 62 to perform a transfer or to perform a communication fee, credit card payment, payment of various costs, or payment of taxes. In order to make a payment by purchasing a product or through a financial transaction, a payment server (F) of a credit card company, a bank or a financial transaction company connected with the financial transaction server 62 is required to proceed with payment. It is provided.

Financial settlement in such a payment server (F) is required for user authentication, it is possible to proceed with the payment using the contactless charging system (D) of the present invention. In particular, the user may be authenticated through the contactless charging device C of the contactless charging system D connected to the computer E and the USB communication line 303, the parallel port or the serial port. That is, the user authentication may be performed using the IC chip for user authentication. Thus, the IC chip for user authentication may be used as the mobile IC chip 11, but the present invention is not limited thereto. Anything will be enough.

Accordingly, such a mobile IC chip may be embedded in a contactless charging device (C), a battery pack (B), and the like to authenticate a user. However, it is preferable to use the one mounted in the portable terminal A such as a mobile phone or a PDA which is used personally rather than such.

Accordingly, the configuration of the contactless charging device C of the contactless charging system D is as shown in FIG. 3, of the USB port 31 and the USB port 31 connected to the computer E by USB communication. A data transmission / reception conversion unit 32 which is connected to a data terminal 311 and converts data to enable input / output of data transmitted / received from the computer E, and is connected to the data transmission / reception conversion unit 32 so that the computer E A data processor 33 for processing and analyzing the received signal and processing data to be transmitted to the computer E, and a central controller 34 for receiving data from the data processor 33 and controlling the data processor 33. ), A transmission signal processor 35 for processing data to transmit data to the battery pack B under the control of the central controller 34, and the computer E and the controller under the control of the central controller 34. Power terminal 312 of connected USB port 31 Connected to such a power signal processing unit 36 for receiving a power signal, it is provided with a computer (E) and the communication is to be input and output through the block is controlled by a central control unit 34. In particular, when using the USB communication line 12, as in the example of the present invention, not only data communication such as user authentication is possible, but also the power of the contactless charging system D and the battery of the portable terminal A There is an advantage that can be supplied at the same time the power used for the pack (B).

In this state, the power is supplied by the control of the central control unit 34 and data input is possible, and the data signal and the data signal are transmitted from the transmission signal processing unit 35 and the power signal processing unit 36 under the control of the central control unit 34. A resonant converter 38 converts an output signal of a power signal and transmits it to the primary side core 37, and is connected to the transmission signal processor 35 and the power signal processor 36 to output a data signal and a power signal. The gate driver 39 receives a signal and is connected to the resonant converter 38 to the other side, and has a bootstrap gate drive, and is connected between the power signal processor 36 and the resonant converter 38 to the primary side. The core 37 may be configured to include a current detector 302 for detecting a data signal transmitted from the battery pack (B).

Looking at the configuration of the contactless charging system (D) of the present invention as follows. That is, as shown in Figure 3, the power supplied from the computer (E) is input is composed of a battery pack (B) is charged by the induced electromotive force induced by the contactless charging device (C), in particular a contactless charging device It can be configured to be able to charge in the state in which only the portable terminal (A) or the battery pack (B) equipped with the battery pack (B) for (C).

The contactless charging device C is connected to the power terminal 312 of the USB port 31 that receives power from a computer E, which is a desktop or a notebook, etc., from the outside through a USB communication line, and supplies power from the outside. The power signal processor 36 receives the power and the power supplied from the power signal processor 36 accumulates the input power under the control of the central controller 34, and adjusts the magnitude of the output voltage and the current to the gate driver 39. In order to apply the input voltage to each component of the contactless device C such as the central control 34 and the ion generator 304, and to apply the driving voltage to the half-wave or full-wave series / parallel resonance converter 38, respectively. It is composed.

Also, between the power signal processor 36 and the half-wave or full-wave series / parallel resonant converter 38, that is, between both ends of R (sense) in the drawing, the current change according to the approach of the battery pack B is detected. In addition, a current detection unit 302 for outputting a comparison current according to the amount of current change may be provided.

And the central controller 34 detects the approach of the battery pack (B) using the comparison current input from the current detector 302, and controls the gate driver 39 according to the access, abnormal operation or When the foreign material is raised or rises above the set temperature, the gate driver 39 is controlled by switching off according to the signal of the temperature protection circuit unit 305.

In addition, the gate driver 39 outputting the gate signal under the control of the central controller 34, and the voltage and current waveforms flowing to the primary core 37 by the gate signal input from the gate driver 39 are adjusted. The half wave or full wave type series / parallel resonance converter 38 and the half wave or full wave type series / parallel resonance converter 38 are switched to generate the induction magnetic field.

That is, the power supplied from the outside is configured to generate an induction magnetic field in the primary side core 37 under the control of the central control unit 34, which is a battery pack embedded in the removable battery pack B or the portable terminal A. Induced electromotive force is generated in the secondary side core 21 provided in (B) and the like to be used as a power source.

Accordingly, the primary core 37 may be provided to generate a charging induction magnetic field in the battery pack B, respectively. It may be provided as a coil or the like. However, the present invention is not limited thereto, and may be provided in various forms to generate an induction magnetic field capable of transmitting power to the battery pack.

And the battery pack (B) of the present invention is a secondary side for converting the induced electromotive force generated in the secondary side core 21 by the induced magnetic field generated by the primary side core 37 of the contactless charging device (C) It is connected to the rectifier circuit part 22 and the secondary measurement circuit part 22 to supply charging power to the battery cell 23, and transmits and receives data transmitted and received by the primary side core 37 and the secondary side core 21. By the control of the battery pack control unit 24 and the battery pack control unit 24 to process the power supplied from the secondary measuring flow circuit unit 22 to the battery cell 23, the of the battery cell 23 It may be provided with a battery pack charging circuit unit 25 for supplying power to the portable terminal (A).

Accordingly, the data input / output unit 26 and the battery process data to process data transmitted and received with the contactless charging device C and transmit and receive data to and from the portable terminal A under the control of the battery pack controller 24. It may be configured to include a charge monitoring circuit 27 for monitoring the charge level of the cell 23 and transmits a signal of a full charge or discharge state to the battery pack control unit 24.

Looking at the battery pack of the wireless payment system using the contactless charging system of the present invention in detail as follows. The battery pack B is coupled with the secondary side core 21 and the core of the secondary side core 21 induced electromotive force from the induced magnetic field generated in the core of the primary side core 37. It is provided with a secondary measurement flow circuit unit 22 for rectifying.

Then, the power rectified by the secondary measurement circuit unit 22 is supplied to the battery pack control unit 24, and the battery pack charging circuit unit 25 and the battery pack charging circuit unit 25 are output according to the output of the battery pack control unit 24. The fuel gauge 251 is supplied to the battery cell 23 through the charge monitoring circuit 27 and monitors the charging state of the battery cell 23 to generate charge state information and periodically record it. Can be configured.

In addition, the charging and monitoring circuit unit 27 coupled between the battery pack charging circuit unit 25 and the battery cell 23 is configured to control whether to charge or discharge according to the state of charge of the battery pack.

Accordingly, the secondary side core 21 may be configured in various forms, such as a circular spiral coil, which is a core, a rectangular spiral coil, which is a core, or a winding core, which is a winding core.

In the contactless charging system (D) of the present invention configured as described above, when the contactless charging device (C) and the battery pack (B) for charging are not in contact with each other, the primary side core (37). In order to detect whether the battery pack (B) is approaching by applying a PWM pulse at regular intervals. The primary side core 37 generates a magnetic field of the interval signal with a constant pulse with a PWM pulse. When the portable terminal (B) or the removable battery pack (B) approaches the contactless charging device (C), the shape of the pulsed magnetic field is changed in the primary side core 37, thereby changing the magnetic field is the primary side core At 37 it is detected as a load modulation. If foreign matter, which is a general metal object other than the battery pack B, approaches or comes into contact with it, since only an irregular magnetic field change occurs without any response, the load modulation signal will eventually be detected as an undefined signal.

However, in the battery pack B receiving the induction magnetic field of the PWM pulse, the signal is transmitted through the secondary side core 21 as a signal specified in the unique ID transmitting chip under the control of the battery pack control unit 24 of the battery pack. do.

Accordingly, the magnetic field load change signal according to the unique ID of the battery pack B is detected by the ID signal detector 306 connected to the primary side core 37, and when the detected signal corresponds to the unique ID of the normal battery pack, The proper signal is transmitted to the central controller 34. However, as mentioned above, if an irregular signal caused by a foreign material such as a metal object is detected, the foreign material is transmitted to the central control unit 34 to block switching for power transmission.

However, when it is determined that the battery pack (B), it is instructed to transmit power to the battery pack (B). Of course, when it is determined that there is no access of the foreign matter or the battery pack (B), the ID signal detection unit 306 transmits the appropriate signal to the central control unit 34, so that the contactless charging device C is initially in a low power state. It can be provided to maintain a state.

When the ID signal detector 306 detects the approach of the battery pack B by the charging start signal, the central controller 34 receives a signal for power transmission to the power signal processor 36 and the gate driver 39. In this case, the resonant converter 38 applies a voltage and a current having a magnitude appropriate to the induced magnetic field to the primary side core 37, and thus, the primary side core 37 is configured to generate an appropriate induced magnetic field.

Accordingly, induction induced by the primary side core 37 in the secondary side core 21 of the battery pack B or the removable battery pack B embedded in the portable terminal A corresponding to the primary side core 37. The electromotive force is transmitted to the secondary measurement circuit unit 22, and the battery pack control unit 24 receives the induced electromotive force of the secondary side core 21 and the secondary measurement circuit unit 22. Through the charging to the battery cell 23, and controls the reception state and the charging state of the charging power to the contactless charging device (C) through the secondary side core (21).

Accordingly, in the contactless charging device C, when the signal in the normal state of charge is received, the transmission signal processor 35 and the gate driver including the power signal processor 36 in the central controller 34 continue to generate power for charging. 39).

In the battery pack B, the battery pack 23 is charged by the battery pack charge circuit unit 25, the fuel gauge 251, the charge monitoring circuit unit 27, and the like under the control of the battery pack control unit 24. . The charged power is monitored by the fuel gauge 251, and when the battery is fully charged, the fully charged state is transmitted to the battery pack controller 24, and the secondary core 21 is again controlled by the battery pack controller 24. And a signal in a fully charged state through the primary side core 37, so that the power signal processor 36, the transmit signal processor 35 and the gate driver 39 are transmitted from the central controller 34 of the contactless charging device C. Can be configured to block the transmission of the charging power.

The contactless charging system (D) is configured to include a contactless charging device (C) and the like connected to the USB communication line 303 is supplied with power to supply power to the battery pack (B) as described above. In addition to supplying to the pack (B), it is provided to transmit and receive the battery information such as the state of charge and the information data of the contactless charging system (D) to the computer (E).

That is, the data transmission / reception conversion unit 32, the data processing unit 33, and the signals thereof connected to the data terminal 311 of the USB port 31 connected to the USB communication line 303 are controlled by the central control unit 34. The data is transmitted and received by the transmission signal processor 35 or the like with the computer E, and also by the battery pack B.

In particular, when the battery pack (B) is configured to transmit and receive data with the portable terminal (A), the information data in the portable terminal (A) through the battery pack (B), contactless charging device (C), etc. E) can be sent and received.

In order to perform a product payment or a financial settlement as in the present invention, the authentication code value is called from the mobile IC chip 11 of the user authentication inherent in the portable terminal A and the computer E It can be used for authentication during the payment process.

As described above, the financial settlement is performed by authentication by the mobile IC chip 11 for user authentication of the portable terminal A while the computer E and the portable terminal A are connected by using the contactless charging system D. The wireless payment method by the wireless payment system will be described in detail below.

That is, the wireless payment system (D) is included, and the wireless payment method using the contactless charging system is provided to perform the wireless payment using the contactless charging system (D) by the following steps.

1) First, a product can be purchased by accessing a product purchase server 61 for purchasing a product for purchasing a product on a home shopping or portal site. After that, in order to pay for the purchased goods, the payment server (F) is connected to proceed with the payment process. In addition, credit card companies, banks or financial companies can pay money, transfer bills, mobile phone bills or other charges. This financial settlement is to access the financial transaction server 62 to make a payment, thereby accessing the payment server (F) to proceed with the payment process. According to the payment request selection step (S01), by the request displayed on the display screen 51 of the computer (E) connected to the product sales server 61 or the financial transaction server 62 through the Internet 12 To proceed with the financial transaction, and the user then clicks the payment request button on the payment server (F) of the credit card company, the bank and the financial company in order to settle the product price or the financial settlement, or the financial transaction server At the request of 62, the financial transaction request button is clicked to request financial settlement.

2) In the payment request selection step S01, an authentication method selection step S02 is performed through the display screen 51 of the user's computer E connected to the Internet from the payment server F. FIG. It can choose a payment authentication method in a variety of ways. Among them, a user authentication method using a mobile IC chip 11 embedded in the portable terminal A is selected. That is, the user clicks the selection button on the user's computer (E) screen connected to the payment server (F) and the Internet (12) to authenticate the user authentication method using the mobile IC chip (11) embedded in the portable terminal (A). Is to ask for a choice.

3) In the authentication method selection step (S02) the user information storage server in the payment server (F) receiving the selection signal selected by the user using the authentication method using the mobile IC chip 11 built in the portable terminal (A) ( 63) to search the number of the mobile terminal (A) of the user embedded in the authentication, and to request the authentication code according to the user ID code with the user ID code signal corresponding to the mobile terminal (A) of the user The authentication code request step S03 of requesting a code value request signal to the computer E is performed.

4) Thus, by receiving the request for the corresponding user ID code signal and the authentication code value from the payment server (F) by the authentication code request step (S03) of the contactless charging system (D) of the user computer (E) The communication line authentication code request step (S04) of transmitting a signal requesting a user ID code signal and an authentication code to the contactless charging device C through a USB communication line is performed. Accordingly, the central control unit 33 of the contactless charging device C analyzes the data signal transmitted to the USB port 31. When the battery pack B is not coupled to the contactless charging device C, the central controller 33 transmits an error signal indicating that the battery pack B is not coupled to the computer E. As a result, the computer E displays a guide window on the display screen 51 so that the user can check the state of the battery pack B or the portable terminal A again.

5) And the central control unit 34 of the contactless charging device (C) to receive the signal according to the communication line authentication code request step (S04) the user ID to the battery pack (B) through the primary side core 37 The contactless authentication code request step (S05) of transmitting a signal requesting a code signal and an authentication code is performed. When the portable terminal A is not attached to the battery pack B, an error message signal of the absence of the portable terminal A is transmitted. The error message signal is transmitted to the computer E via the contactless charging device C, and the user can check the binding state of the portable terminal A for user authentication through the display screen 51 of the computer E. Mark for confirmation.

6) Thus, a signal for requesting a user ID code signal and an authentication code from the battery pack control unit 24 of the battery pack B to the portable terminal A in receiving a signal according to the contactless authentication code request step (S05). Proceed to the terminal authentication code request step (S06) for transmitting the terminal, and finally receiving the signal according to the terminal authentication code request step (S06) terminal control unit 13 of the portable terminal (A) from the battery pack (B) The user ID code determination step (S07) is performed to determine whether the ID code value of the received user ID code signal and the user ID code value stored in the mobile IC chip 11 of the portable terminal A match.

Therefore, when the mobile IC chip 11 for user authentication is not built in the portable terminal A, which receives the signal for user authentication from the battery pack B, the signal for no authentication code in the portable terminal A To the battery pack (B). In addition, even when the mobile IC chip 11 is embedded in the portable terminal A, an error message signal is transmitted to the battery pack B even when the mobile IC chip 11 is damaged and user authentication is not possible. Done. The error message signal is transmitted to the computer E through the contactless charging device C, whereby the user E once again causes the user to enter the state of the portable terminal A or the state of the mobile IC chip 11. You will be guided to check.

7) In the portable terminal A having received the call signal of the user authentication code value for user authentication in this way, if the user ID code values match by the user ID code determination step (S07), the mobile IC chip ( 11) the terminal authentication code transmission step (S08) of transmitting the authentication code value of the corresponding user ID stored in the battery pack (B).

If the user ID code value transmitted from the payment server F does not match the user ID code value stored in the mobile IC chip 11 embedded in the portable terminal A, the portable terminal A or the mobile IC The chip 11 transmits an error message signal that signals a different user and does not transmit an authentication code value for user authentication, thereby ensuring the safety of the user's financial settlement transaction.

The error message signal due to the mismatch of the user ID code values is transmitted to the computer E through the battery pack B and the contactless charging device C, and the error message signal is settled by the payment server F. The program guides the user to prepare a mobile IC chip that matches once again.

However, if the above-mentioned multiple error conditions occur, such as mismatches in user ID code values by a certain number of times (usually about three times in a transaction) or failure of a mobile terminal with a built-in mobile IC chip, By stopping payment services, financial settlement transactions can be made secure.

8) If the user ID code value is normally authenticated, the terminal authentication code is transmitted from the portable terminal A under the control of the battery pack control unit 24 of the battery pack B by the terminal authentication code transmission step S08. The contactless authentication code value transmission step (S09) of transmitting the authentication code value of the corresponding user ID to the contactless charging device (C) by contactless communication, and further, the contactless authentication code value transmission step (S09). By transmitting the authentication code value of the corresponding user ID transmitted from the battery pack (B) under the control of the central control unit 34 of the contactless charging device (C) by the USB communication line to the computer (E) The authentication code transmission step (S10), which is a communication line, is performed.

9) The payment server (F) via the Internet from the computer (E) together with the authentication code value of the corresponding user ID transmitted from the contactless charging device (C) by the communication line authentication code value transmission step (S10). Proceed to the step of transmitting the payment authentication code value (S11) to transmit the authentication code value corresponding to the user ID to the payment server (F).

10) As described above, the payment server F receives the authentication code value of the user ID of the corresponding user from the user's computer E, and stores the user ID authentication code value. After calling the authentication code value of the user to the server 64, and proceeds to the step of comparing the authentication code value (S12) to compare and determine the authentication code value received from the user computer (E).

11) If the authentication code value called from the user ID authentication code value storage server 64 by the step of comparing the authentication code value (S12) and the authentication code value received from the user computer (E) were requested from the user Proceed with the payment request acceptance step (S13) to continue the payment request, if the authentication code value stored in the user ID authentication code value storage server 64 of the payment server (F), and the mobile IC of the mobile terminal (A) If the authentication code value provided from the chip 11 is inconsistent, the payment service is paused, the user is notified through the display screen 51 of the computer E, and after confirming whether or not to proceed again, the payment is made. The service will be stopped.

Such a payment service can be usefully used when using a credit settlement service as well as financial settlement. In other words, without the inconvenience of downloading and re-installing the certificate from the Internet, and authenticating with the personal mobile IC chip embedded in the portable terminal, the mobile IC chip assigned to each individual only for the user determined by the Internet service Because it is authenticated by the authentication code inside, user authentication can be performed, and it can be used as an authorized certificate. As a result, there is an advantage that can be used for authentication according to the use of personal information, such as issuance of a resident registration card.

As described above, although described with reference to a preferred embodiment of the present invention, those skilled in the art various modifications of the present invention without departing from the spirit and scope of the invention described in the claims below Or it may be modified.

The present invention provided as described above is provided to receive a user authentication from a mobile IC chip in a portable terminal that is connected to a non-contact charging device from the contactless charging device in a contactless charging system connected to a computer and a USB communication line. In addition, while charging the power and receiving the user authentication, and can receive financial payment, bill payment or user authentication, there is an effect that can easily use the financial payment service.

In addition, if only the user of the mobile IC chip corresponding to the user ID determined by the computer and the Internet service is secured during the authentication process, the financial settlement service can be used, which has the advantage of double authentication and secure transaction.

Claims (4)

A portable terminal A having a mobile IC chip 11 embedded therein; A battery pack (B) provided integrally with the portable terminal (A) or provided to be separated and bound; It is provided with a contactless charging system (D) which is provided as a contactless charging device (C) to the portable terminal (A) or the battery pack (B) is detachable and mountable, the contactless charging, A computer (E) for supplying power and communicating with the contactless charging system (D) by USB communication; It is configured to include a payment server (F) connected to the computer (E) and the Internet line 12 to perform a financial settlement by the user's input, The contactless charging system connected to the computer E via a USB communication line in response to a request for a user authentication code from the payment server F as displayed on the display screen 51 of the computer E for performing the financial settlement ( D) is provided to receive a user authentication code from the mobile IC chip 11 of the portable terminal (A) to perform wireless payment, The contactless charging device (C) is a USB port (31) connected to the computer (E) by USB communication; A data transmission / reception conversion unit 32 connected to the data terminal 311 of the USB port 31 to convert data to enable input / output of data transmitted and received from the computer E; A data processor (33) connected to the data transmission / reception converter (32) to process and analyze a signal received from the computer (E), and to process data to be transmitted to the computer (E); A central controller (34) for receiving data from the data processor (33) and controlling the data processor (33); A transmission signal processor (35) for processing data to transmit data to the battery pack (B) under control of the central controller (34); The power signal processor 36 is connected to the power terminal 312 of the USB port 31 connected to the computer E under the control of the central controller 34 to receive a power signal. Wireless payment system using a contactless charging system. The method of claim 1, The contactless charging device (C), Resonant converter for converting the output signal of the data signal and the power signal from the transmission signal processing section 35 and the power signal processing section 36 by the control of the central control section 34 to the primary side core 37 ( 38); A gate driver connected to the transmission signal processor 35 and the power signal processor 36 to receive an output signal consisting of a data signal and a power signal, and connected to the resonant converter 38 to the other side and having a bootstrap gate drive; (39); A current detector 302 connected between the power signal processor 36 and the resonance converter 38 to detect a data signal transmitted from the battery pack B by the primary side core 37. Wireless payment system using a contactless charging system, characterized in that. The method of claim 1, The battery pack (B) is Secondary measurement circuit portion 22 for converting the induced electromotive force generated in the secondary side core 21 by the induced magnetic field generated by the primary side core 37 of the contactless charging device (C), A battery pack control unit connected to the secondary measurement circuit unit 22 to supply charging power to the battery cell 23 and to process data transmitted and received by the primary side core 37 and the secondary side core 21 ( 24), Under the control of the battery pack control unit 24, the power supplied from the secondary measurement circuit unit 22 is supplied to the battery cell 23, and the power of the battery cell 23 is supplied to the portable terminal A. FIG. Battery pack charging circuit unit 25 to supply, A data input / output unit 26 for processing data transmitted and received with the contactless charging device C and processing data to transmit and receive data with the portable terminal A under the control of the battery pack control unit 24; Using a contactless charging system, characterized in that it comprises a charge monitoring circuit unit 27 for monitoring the charge level of the battery cell 23 and transmits a signal of a full charge or discharge state to the battery pack control unit 24 Wireless payment system. In the wireless payment method using a contactless charging system provided with a wireless payment system (D) of any one of claims 1 to 3, Purchasing a product and requesting a financial transaction by a request displayed on the display screen 51 of the computer E by a merchandise purchase server 61 for purchase of a merchandise or a financial transaction server 62 of a credit card company, bank or financial company. Afterwards, in order to settle the product price or financial settlement, click the payment request button for the product purchase payment to the payment server (F) of the credit card company, the bank and the financial company, or request the financial transaction server 62. A payment request selection step (S01) for transmitting a payment request signal by clicking a financial transaction request button; A mobile IC having a user authentication scheme embedded in the portable terminal A through the display screen 51 of the user's computer E connected to the Internet from the payment server F by the payment request selection step S01. An authentication method selection step (S02) for requesting selection as an authentication method using the chip 11; In the authentication method selection step (S02), the user information storage server 63 in the payment server (F) receiving the selection signal selected by the user using the mobile IC chip (11) embedded in the portable terminal (A) The authentication code value request for searching for the number of the portable terminal (A) of the corresponding user, and requesting an authentication code according to the corresponding user ID code with the user ID code signal corresponding to the portable terminal (A) of the user. An authentication code request step (S03) of requesting a signal to the computer (E); Contactless charging of the contactless charging system (D) in the user computer (E) to receive a signal requesting the corresponding user ID code signal and the authentication code value from the payment server (F) by the authentication code request step (S03) A communication line authentication code request step (S04) for transmitting a user ID code signal and a signal for requesting an authentication code to a device C through a USB communication line; In response to receiving the signal according to the communication line authentication code request step (S04), the central control unit 34 of the contactless charging device C receives a user ID code signal to the battery pack B through the primary side core 37, and Contactless authentication code request step (S05) for transmitting a signal requesting the authentication code; Receiving a signal according to the contactless authentication code request step (S05) to transmit a signal for requesting the user ID code signal and the authentication code from the battery pack control unit 24 of the battery pack (B) to the portable terminal (A) Terminal authentication code request step (S06); Upon receiving the signal according to the terminal authentication code request step (S06), the terminal control unit 13 of the portable terminal A receives the ID code value of the user ID code signal received from the battery pack B and the portable terminal A. A user ID code determination step (S07) of determining whether or not the user ID code values stored in the mobile IC chip 11 of the mobile device are identical; If the user ID code value is matched by the user ID code determination step (S07), the terminal authentication code transmission for transmitting the authentication code value of the corresponding user ID stored in the mobile IC chip 11 to the battery pack (B). Step S08; According to the control of the battery pack control unit 24 of the battery pack (B) by the terminal authentication code transmission step (S08) the authentication code value of the corresponding user ID transmitted from the portable terminal (A) by the contactless communication Contactless authentication code value transmission step (S09) for transmitting to the contactless charging device (C); USB communication of the authentication code value of the corresponding user ID transmitted from the battery pack B under the control of the central controller 34 of the contactless charging device C by the contactless authentication code value transmission step (S09). A communication line authentication code value transmission step (S10) for transmitting to the computer (E) by a line; The authentication code value of the corresponding user ID transmitted from the contactless charging device C by the communication line authentication code value transmitting step S10 is also transmitted from the computer E to the payment server F through the Internet. Payment authentication code value transmission step (S11); By the payment authentication code value transmission step (S11), the payment server (F) receives the authentication code value of the user ID of the user from the user's computer (E), and again the user ID authentication code value storage server 64 An authentication code value comparison step (S12) of comparing and determining the authentication code value received from the user computer E after calling the authentication code value of the corresponding user; If the authentication code value called from the user ID authentication code value storage server 64 by the authentication code value comparison step (S12) and the authentication code value received from the user computer (E) match, the payment request that was requested from the user Includes payment request acceptance step (S13) to continue, Wireless payment method using a contactless charging system, characterized in that the financial settlement through the user authentication using the mobile IC chip (11) embedded in the portable terminal (A) of the wireless payment system (D).

Images