KR20000010276A - Pager for electronic fee payment and electronic cash recharging method using mobile communication network - Google Patents

Abstract

PURPOSE: A system recharges electronic cash in a pager, and a pager having a prepay card function are provided. CONSTITUTION: Electronic cash recharging method using a mobile communication network includes an electronic cash server(130) which inquires the user card, generates a password code number, manages a charging amount, and generates a charging amount verification data. A pager switching system(150) receives the charged amount and the verification data from the electronic cash server, converts it to a pager protocol, and transmits it to the outside. VMS is connected to the electronic cash server, is connected to the pager switching system, and guides the electronic cash recharging service to the subscriber. A pager(100) receives an output amount of the pager switching system and the charged amount verification data, and loads the verified amount to an adjacent wireless communication card(101), thereby increasing the user's convenience.

Description

Electric cash recharge method using mobile communication networks and pager for electronic payment

The present invention relates to a system for recharging an electronic cache in a wireless calling terminal using a mobile communication network and a wireless calling terminal having a prepaid card function.

In the early days, radio calling was merely a system for carrying out a one-way communication by sending a radio wave from a radio base station, and then beeping a beeping signal. In addition, the price of the wireless call terminal is becoming increasingly low price is a trend that the terminal spread widely.

On the other hand, with the introduction of the electronic cash concept, bus or subway users can pay the boarding fee using a prepaid card. This provides the convenience of not having to prepare cash, but it is inconvenient to purchase, store, and carry a separate card released by the service provider. In addition, if you use up all the charges recorded on the card, you have to go to the charging station to recharge.

Accordingly, a first object of the present invention is to provide an electronic cash recharging system using a mobile communication network in order to electronically pay various service charges using a wireless call terminal having a built-in proximity wireless communication card.

It is a second object of the present invention to provide a method for recharging an electronic cache in a wireless call terminal having a card for proximity wireless communication using a mobile communication network.

It is a third object of the present invention to provide a wireless calling terminal which pays various service charges by embedding a card for proximity wireless communication which safely processes data.

The present invention for achieving the first object, in a mobile communication system including a wireless calling terminal with a built-in proximity wireless communication card, querying the user card according to the user's request, generating a code code number, the amount of charge An electronic cache server for managing and generating charge amount authentication data; A wireless call exchanger receiving the charge amount and the charge amount authentication data requested by the user from the electronic cache server and converting the charge amount into a radio call protocol to propagate to the air; A voice mailbox connected to one side of the electronic cache server and connected to one side of the wireless call exchanger to guide an electronic cache recharge service to a subscriber; And a wireless calling terminal which receives the charged amount and the charged amount authentication data sent from the wireless call exchanger and loads the authenticated charged amount on the proximity wireless communication card.

The present invention for achieving the second object, in the method of recharging the electronic cache using a mobile communication network, in a wireless calling terminal with a built-in proximity wireless communication card, a warning sound indicating that the amount of money available is less than the minimum limit. Outgoing step 1; Step 2, the user selects the electronic cash recharge service through the voicemail, and request the desired recharge amount and payment card / bank account; In step 3, the electronic cash server, querying the requested payment card / bank account to the financial institution, generates a code amount for the charge amount and security, and sends it to the wireless calling terminal; Inputting, by a user, an encryption code number received through a wireless calling terminal through a public telephone network; In the electronic cache server, check whether the input encryption code number of the user side and the generated encryption code number of the server side match, and if the verification result is negative, a message with an incorrect password code number is sent to the user side, and the verification result is positive. If 5, check the inquiry result for the payment card / bank account; Transmitting the unusable message for the payment card / bank account to the user when the inquiry result of the step 5 is negative, and generating a charge amount authentication data and transmitting it to the wireless calling terminal if the inquiry result is positive; In the voicemail, when the verification result of the encryption code number of step 5 is negative and the payment card / bank account inquiry result is negative, a re-registration / end selection message is transmitted to the user, and the payment card / If the bank account inquiry result is affirmative, step 7 of inquiring the user whether the requested recharge amount of the user side and the authenticated recharge amount of the server side match; If there is a negative response from the user in step 7, the voicemail delivers a re-registration / termination selection message to the user, and if there is a positive response from the user side, the electronic cash server notifies the financial institution of the payment amount and is authenticated. Characterized in that it comprises an eight steps of loading the charge amount on the wireless call terminal.

According to an aspect of the present invention, a demodulator and decoder for demodulating and decoding a signal received through a mobile communication network, a memory unit including a program related to a basic radio call function, a display unit, an alarm driver, a vibration driver, And a processor for managing and controlling input / output data of all the components, wherein the memory unit has a built-in communication program for receiving card recharge amount data, upon receiving the card recharge amount data; An input / output port unit for receiving recharge amount data from the processor according to a negative program is provided on the digital board of the wireless calling terminal; While the proximity communication card is embedded in the wireless calling terminal, the proximity communication card stores an input / output port / interface unit for communicating with the input / output port unit, a proximity communication interface, and the amount of data received from the wireless calling terminal. The processor may include a processor / memory unit configured to settle and process an electronically charged fee from a proximity communication interface unit.

1 is an overall configuration diagram of an electronic cache recharging system using a mobile communication network according to the present invention;

2a to 2c is a flow chart showing an electronic cache recharging method according to the present invention,

3 is a hardware configuration diagram of a wireless call terminal incorporating a wireless communication card,

4A to 4C are software configuration diagrams of a radio call terminal incorporating a proximity wireless communication card.

* Description of the symbols for the main parts of the drawings *

100: wireless call terminal 101: card for proximity wireless communication

120: financial institution 130: electronic cash server

140: voicemail (VMS) 150: wireless call exchanger (TDX-PS)

160: base station 170: public switched telephone network (PSTN)

180: phone

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

1 is an overall configuration diagram of an electronic cache recharging system using a mobile communication network according to the present invention. The wireless call terminal 100 incorporates a proximity wireless communication card 101. The proximity wireless communication card 101 is, for example, a prepaid card such as a bus fare card, a subway fare card, or the like. The public telephone network 170 (PSTN) and the wireless call exchanger 150 (TDX-PS) accessible to the subscriber are linked, and the voicemail box 140 (VMS) is connected to the wireless call exchanger 150 to recharge the electronic cache. Provide voice service. The communication device 180 is provided with a keypad for inputting a number, such as a telephone, a modem-equipped computer, etc., and is connected to the public telephone network 170 so as to be connected to the voice mail box 140. The electronic cache server 130 is connected to the voice mailbox 140 and the LAN, and is connected to the wireless call exchanger 150, and forms a network with the financial institution 120 for the electronic financial settlement.

Here, the electronic cache server 130 is responsible for various user data management, statistics and control, such as card inquiry, charge amount management, password code number generation, card use amount authentication data generation. The voicemail box 140 provides an interface between the user and the service system, such as supporting a card recharging service.

The wireless call exchanger 150 receives the card recharge amount requested by the user and the authentication data thereof from the electronic cache server 130, converts the card to the wireless call protocol, and then converts the wireless call protocol to the wireless call terminal 100 through the base station 160. Send it out. The wireless call terminal 100 processes the received recharge amount information and authentication data, loads it on the built-in proximity wireless communication card 101, and displays the balance of the usage fee to the user.

The financial institution 120 for paying the user's recharge fee determines the abnormality of the payment card or the payment account according to a request from the electronic cache server 130 and informs the electronic cache server 130 of the result. In addition, the recharge fee is settled according to the recharge fee, payment card / bank account and password sent from the electronic cache server 130 to transfer the money to the bus or subway service company.

In FIG. 1, a user dials to receive an electronic cash recharging service, accesses a voice mail box 140 through a wireless call exchanger 150 linked with a public telephone network 170, and a desired charge amount and payment card / bank. Request an account. Upon receiving the user's request, the electronic cache server 130 determines whether to authenticate by contacting the financial institution 120 and transfers the authenticated charge amount to the card 101 of the corresponding wireless calling terminal 100 through the mobile communication network. Can be loaded

2 is a flowchart illustrating a method for recharging an electronic cache using a mobile communication network according to the present invention, which will be described by applying to the electronic cache recharging system of FIG.

In step 200, when the wireless call terminal 100 with the built-in wireless communication card 101 transmits a warning sound indicating that the usage fee is less than or equal to the minimum limit, in steps 201 and 202, the user dials his or her calling number. Receives a voice service of the voice mailbox 140 by receiving a call to the wireless call exchanger 150 linked with the public telephone network.

In step 203, when the user presses a desired bus / subway card amount recharge selection button through the voice service, the electronic cash recharge service mode is entered in steps 204 to 207. FIG. The voicemail box 140 requests the user to input a bank account or payment card number and a password for the desired charge amount and payment, and the user inputs the corresponding amount and number in turn.

After the step 207 proceeds, in step 208, the electronic cash server 130 receives the requested amount of payment and payment card / bank account number from the voicemail box 140 and requests the financial institution 120 to inquire. At the same time, in step 209 the electronic cash server 130 generates a charge code-related data and security code number for security and transmits it to the wireless call exchanger 150, the wireless call exchanger 150 wirelessly calls the encryption code number Send to the terminal 100.

After the step 209 proceeds, in step 210, the voicemail box 140 informs the user that the encryption code number will be received by the wireless calling terminal 100 and requests the user to input the received encryption code number. If the user inputs the encryption code number in step 211, the electronic cache server 130 in step 212 checks whether the user's input encryption code number and the generated encryption code number of the electronic cache server. If the result of the check in step 212 is negative, go to step 213, inform the incorrect code by the voicemail box 140, and in step 214, press "*" to re-register / '*' to exit. Message. If the user presses '1', the process proceeds to step 204, and if the user presses '*', the service is terminated.

If the result of the check in step 212 is affirmative, step 215 is entered, and the electronic cash server 130 reads the inquiry result for the payment card / bank account sent by the financial institution.

If the result of the reading in step 215 is negative, the process proceeds to step 216 and the voicemail box 140 transmits the message "Payment card / bank account cannot be used", and then proceeds to step 214 to proceed in order.

If the result of the reading in step 215 is affirmative, the process proceeds to step 217 to generate the charge amount authentication data in the electronic cash server 130, and transmits it to the radio call exchanger 150 to the radio call terminal 100 through the base station 160 (100). To be sent. Subsequently, the process proceeds to step 218, where the voicemail 140 receives the request for "wireless calling terminal. If the amount received matches the requested amount, '#' is matched. Press "."

If the user presses "1", step 214 is entered and proceeds in order.

When the user presses "#", the process proceeds to step 219 and the financial institution is notified of the amount of money settled by the electronic cache server 130, and the notification may be notified even when the predetermined time exceeds. Now, in step 220 voicemail 140 terminates after delivering the message "Now you can use the card. If you have any questions please contact XXX-XXXX".

3 is a hardware configuration diagram of a wireless calling terminal incorporating a proximity wireless communication card, and FIG. 4 is a software configuration diagram of a wireless calling terminal incorporating a proximity wireless communication card.

Referring to FIG. 3, the pager unit 300 is a combination of a pager unit 300 and a card unit 350 for near field communication. The pager unit 300 includes a conventional radio frequency receiver 301, an intermediate frequency converter 302, a decoder 303, an LCD driver 304, and an LCD display unit 305 to fully perform functions of a conventional wireless call terminal. ), An input / output port portion 311 for communicating with a proximity card is added to a digital board implemented with a keypad 306, a buzzer driver 307, a vibration driver 308, a memory 309, and a processor 310. do.

The proximity wireless communication card unit 350 is, for example, a device such as a contactless card or an infrared LED, and includes a first interface unit 351 having an input / output port for communicating with the input / output port 311, and for wireless communication. And a processor / memory 353 for processing and controlling input / output data of the first and second interface units 351 and 352.

The memory unit 309 of the pager unit 300 further includes a program for outputting data through the input / output port 311 when receiving a message of contents to be transmitted to the card unit 350 in addition to a program for a conventional wireless calling function. It is built.

The processor / memory 353 of the card unit 350 includes a program for communication for loading data output from the input / output port 311 of the pager unit 300.

A message receiving processing procedure for a card embedded in the memory unit 309 of the pager unit 300 will be described with reference to FIGS. 4A and 4B.

If it is determined in step 400 that the data received by the pager unit 300 is the recharge amount data including the recharge amount and the encryption code number, and displays the code code number of the data received in step 401 on the LCD display unit 305, In step 402, the terminal waits for receiving the charge amount authentication data. After step 402, the process proceeds to step 403, and it is determined whether the charge amount authentication data has been received within a predetermined time. If it is determined that the authentication data has been received, the process proceeds to step 404 and compares the content received in step 400 with the content received in step 403 (charge amount data = charge amount authentication data). When the authentication data is not received as a result of the determination in step 403, or when the comparison result of step 404 is different (charge amount data ≠ charge amount authentication data), the process proceeds to steps 405 and 406 to display an error (ERROR) in the LCD display unit 305. Display). Thereafter, the data received in steps 400 and 403 are deleted from the memory unit 309.

On the other hand, if the comparison result is the same in step 404 (charge amount data = charge amount authentication data), the flow advances to step 407, and transmits the charge amount data received in step 400 to the card unit 350.

Subsequently, in step 408, the card unit 350 checks the balance stored in the processor / memory unit 353, adds up the charged amount, and then retransmits the charged amount and the added amount to the pager unit 300.

In step 409, the pager unit 300 checks whether the refilled amount data of the step 407 and the refilled amount of the step 408 coincide. If the check result is negative, the pager unit 300 enters the step 405 and proceeds in order, and confirms the result of confirmation. If it is entered in step 410 and transmits the confirmation data indicating that the match to the card unit 350 again.

After step 410, in step 411, the card unit 350 checks whether corroborating data has been received within a predetermined time.

If the corroborating data has not been received in step 411, the process proceeds to step 412, 413 to delete the charged amount stored in the memory unit 353 of the card unit 350, and further indicates that the requested charged amount is not loaded. ) Or to the pager unit 300 that the response signal data for the confirmation data has not been received. Then, the process proceeds to the above step 405 and the subsequent steps are processed.

On the other hand, if confirming data is received in step 411, the process proceeds to step 414, the card unit 350 transmits the response signal data to the pager unit 300, and activates the sum amount data. Thereafter, the process proceeds to step 415 and 416, the pager unit 300 receives the response signal data, and displays the charge amount and the sum amount on the LCD display unit 305.

Referring to Figure 4c, a description will be given of a settlement method when paying a fee with a card for proximity wireless communication embedded in a wireless calling terminal.

When the user contacts the wireless calling terminal to the server for proximity communication in order to pay a fee, the card unit 350 sends the pager unit 300 the current fee and the remaining balance data every time the card unit 350 pays the fee electronically. send. The remaining balance is then compared with the minimum value in step 451. If the comparison result of the step 451 is less than the minimum value, after entering the step 452 to ring the user by ringing sounds or vibrations, the pager unit 300 in step 453, the balance and / or the current payment provided from the card unit 350 The fee is displayed on the LCD display unit 305. If the comparison result of step 451 is not less than the minimum value, the process proceeds to step 453, and displays the balance and / or the current payment fee on the LCD display unit 305.

As described above, the present invention has a built-in card for proximity communication in the wireless call terminal, and has an input and output port and / or interface for communication between the two equipment, by adding an electronic cash payment function to the wireless call terminal, It can alleviate the inconvenience of having to buy and carry a card. In addition, by providing an electronic cash recharging service through a voice mail interlocked with the electronic cache server, it is possible to simply recharge the fee of the terminal to the card of the terminal through the mobile communication network authenticated fee from the financial institution. In addition, by displaying the current payment amount and / or balance for each payment, it is possible to inform the user whether the payment amount is normal and when to recharge.

Claims (3)

In a mobile communication system including a wireless call terminal with a built-in proximity wireless communication card, An electronic cache server for querying a user card according to a user's request, generating an encryption code number, managing a charge amount, and generating charge amount authentication data; A wireless call exchanger receiving the charge amount and the charge amount authentication data requested by the user from the electronic cache server and converting the charge amount into a radio call protocol to propagate to the air; A voice mailbox connected to one side of the electronic cache server and connected to one side of the wireless call exchanger to guide an electronic cache recharge service to a subscriber; And And a wireless calling terminal for receiving the charged amount and the charged amount authentication data transmitted from the wireless call exchanger and loading the authenticated amount on the proximity wireless communication card. A method of recharging an electronic cache using a mobile communication network in a mobile communication system including a wireless calling terminal having a built-in proximity wireless communication card, Sending a beep notifying that the amount available is less than the minimum limit; Step 2, the user selects the electronic cash recharge service through the voicemail, and request the desired recharge amount and payment card / bank account; In step 3, the electronic cash server, querying the requested payment card / bank account to the financial institution, generates a code amount for the charge amount and security, and sends it to the wireless calling terminal; Inputting, by a user, an encryption code number received through a wireless calling terminal through a public telephone network; In the electronic cache server, check whether the input encryption code number of the user side and the generated encryption code number of the server side match, and if the verification result is negative, a message with an incorrect password code number is sent to the user side, and the verification result is positive. If 5, check the inquiry result for the payment card / bank account; Transmitting the unusable message for the payment card / bank account to the user when the inquiry result of the step 5 is negative, and generating a charge amount authentication data and transmitting it to the wireless calling terminal if the inquiry result is positive; In the voicemail, when the verification result of the encryption code number of step 5 is negative and the payment card / bank account inquiry result is negative, a re-registration / end selection message is transmitted to the user, and the payment card / If the bank account inquiry result is affirmative, step 7 of inquiring the user whether the requested recharge amount of the user side and the authenticated recharge amount of the server side match; If there is a negative response from the user in step 7, the voicemail delivers a re-registration / termination selection message to the user, and if there is a positive response from the user side, the electronic cash server notifies the financial institution of the payment amount and is authenticated. Electronic cash recharging method using a mobile communication network comprising the step of loading the charge amount on the wireless call terminal. A demodulator and decoder for demodulating and decoding a signal received through a mobile communication network, a memory unit having a program related to basic radio calling functions, a display unit, an alarm driver, a vibration driver, and managing input / output data of all the above components. In the wireless call terminal having a processor for, The memory unit includes a communication program for receiving card charge amount data, and upon receiving card charge amount data, an input / output port unit for receiving charge amount data from the processor according to a program of the memory unit is added to the digital board of the wireless call terminal. Is equipped with; While the proximity communication card is embedded in the radio call terminal, the proximity communication card stores an input / output port / interface unit for communicating with the input / output port unit, a proximity communication interface, and the amount data received from the radio call terminal. And a processor / memory unit configured to process a service charge settled from a proximity communication interface unit.