KR20010046972A - RF Credit Card System and Credit Card Settlement Method for CDMA Cellular Phone - Google Patents

Abstract

PURPOSE: A radio frequency credit card system for use in a mobile telephone and settlements method of the radio frequency credit card is provided to ensure the safety convenience in usage of a credit card and to allow a mobile telephone to serve the credit card function as well as a traffic card function. CONSTITUTION: A mobile telephone system comprises a key pad(112), a display(114), a memory unit(120), an antenna(118), and a CPU(110). The key pad(112) is used to input information for transmission. The display(114) shows sending/receiving information. The memory unit(120) stores communication information. The antenna(118) transmits and receives a high frequency. The CPU(110) processes input/output information. An RF(Radio Frequency) credit card is provided in the mobile telephone system, wherein the RF credit card is used for settling a money in wireless. An interface for exchanging the information is provided between the RF(Radio Frequency) credit card and the CPU.

Description

RF Credit Card System and Credit Card Settlement Method for CDMA Cellular Phone}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a radio frequency credit card for a mobile phone, and in particular, by combining a cell phone of a CDMA (Code Division Multiple Access) method and an RF credit card (hereinafter referred to as an RF credit card). In addition, the present invention relates to a radio frequency credit card for a mobile phone, which enables a user to use a secure and fast credit card service using a mobile phone such as a CDMA method.

A method of using a general credit card will be described with reference to FIG. 1. 1 is an explanatory diagram for explaining a general credit card payment system. In Figure 1, 1 is a credit card issuing authority, 2 is a user using a credit card issued by the credit card issuing agency 1, 3 is a VAN receiving a request for credit check from a credit card merchant and notifying the approval status A business operator 4 is a credit card merchant that provides a service to use a credit card, and 5 is a payment institution such as a bank or a card company that bills and pays for the final transaction between the user 2 and the credit card merchant 4.

As shown in Fig. 1, a user 2 visits a credit card affiliated store 4 carrying a credit card and providing a desired item or service. When the user 2 presents a credit card to the credit card merchant 4 in order to purchase a desired item or use a necessary service, the credit card merchant 4 determines whether the presented credit card can be used normally. (3) is confirmed through a card reader (not shown). The VAN operator (3) checks the necessary items such as the expiration date, the confirmation of the delinquency of the credit card requested for credit verification, and notifies the credit card merchant (4) of approval.

At this time, upon receiving a notification from the VAN operator 3 that the card is available for use, the credit card affiliated store 4 provides the goods or services desired by the user 2, and then the payment institution 5 such as a bank or a credit card company. Request to purchase a sales slip, and the payment institution 5 checks the approved sales slip and pays the price.

In addition, the payment institution 5 requests the user to deposit the use price by a predetermined contract with the user 2, and the user 2 pays the amount of the billed credit card.

However, in the credit card payment system as described above, it is inconvenient because the user must approve the use of the card at every transaction, and it can be used for illegal purposes due to theft because it can be used without a password when using the credit card. have.

Next, a configuration and use example of a conventional RF credit card system referring to such a credit card payment system will be described with reference to the drawings.

Herein, the RF credit card refers to a credit card payment system used in buses, subways, taxis, etc. (hereinafter, the same). That is, a user purchases a card (for example, a bus card) charged with a predetermined amount of money and uses the card each time the bus is used. When the predetermined amount of money is used, the card is recharged at a charging station to continue using the card.

2 is a block diagram illustrating a conventional RF credit card payment system. Conventional RF credit card payment system as shown in Figure 2, the card issuer 10, the user 20, service provider 30, charging station 40, VAN operator 50 and the settlement bank (60) )

In the present invention, a bus RF credit card will be described as an example for convenience of description.

First, the user 20 purchases an RF credit card filled with a predetermined amount from the card issuer 10. In the case where the user 20 uses the transportation service as the service provider 30, inquiries of use and withdrawal of money are made by bringing the RF credit card to the RF credit card reader (not shown) which is generally installed at the entrance side of the vehicle. Will be performed.

At this time, in the VAN operator 50, that is, the settlement and replenishment system, which is requested to inquire through the RF credit card reader installed in the service provider 30, the corresponding amount is sufficient for the RF credit card presented by the user 20. After confirming that the charge is received, and reducing the amount corresponding to the service fee, the transaction details are transmitted to notify whether or not to ride. In addition, when the user 20 lacks a balance in his or her RF credit card, the user 20 visits the charging station 40 to pay cash and recharge. Then, the charging station 40 transmits the supplementary details for the corresponding RF credit card to the VAN operator 50, and notifies the corrected amount information of the card.

Next, the VAN operator 50 transmits the settlement data regarding the transaction history with the user 20 to the settlement bank 60. The settlement bank 60 reviews the obtained settlement data and transfers the fee to the service provider 30. In addition, the settlement bank 60 transmits settlement data to the card issuing institution 10 and distributes the down payment.

However, in the payment system using the conventional RF credit card as described above, there is a convenience that the user can automatically pay only by contacting the RF credit card to the card reader in a non-contact manner, such as a small payment card such as a bus card or subway card It is limited. The reason is that in the conventional RF credit card payment system, there is no procedure and function to verify the user's identity, so if a loss occurs when the user charges a large amount of money, the loss is equivalent to the loss of cash. Because you can wear.

Therefore, the number of visits by the card user to the card charging station becomes frequent, and the inconvenience of use increases because the number of charging stations is not large.

In addition, when you lose your credit card, you can prohibit the use by reporting the loss, so you can use it safely and expensively.However, it is not only a hassle that requires approval each time you make a payment. do.

The present invention is to overcome the above-mentioned problems, the purpose of which is easy to carry, there is no fear of loss, can be used directly to recharge the amount of use, as well as convenient in use It is to provide a radio frequency credit card system and a credit card payment method for a mobile phone that can guarantee the safety of the.

1 is an explanatory diagram for explaining a general credit card payment process

2 is a block diagram illustrating a conventional RF credit card payment system

3 is an explanatory diagram specifically illustrating an RF credit card payment system according to the present invention.

4 is an explanatory diagram illustrating an RF credit card payment system for a CDMA cellular phone according to the present invention.

5 is an exemplary view for explaining a specific method of using an RF credit card for a CDMA cellular phone according to the present invention.

In accordance with one aspect of the present invention, there is provided a radio frequency credit card system for a cellular phone, including a keypad for inputting at least transmission information, a display for displaying transmission / reception information, a memory unit for storing communication information, and a transmission / reception of high frequency frequencies. A mobile phone system having a high frequency antenna and a CPU for arithmetic processing of input or output information, wherein the mobile phone system includes an RF credit card that can be settled wirelessly, and between the RF credit card and the CPU. This can be accomplished by installing an interface for exchanging information.

This improves the safety and ease of use of a radio frequency credit card system for mobile phones.

In addition, in the credit card payment method using the mobile phone according to the present invention, the available reference amount is set in advance, and when using the service exceeding the reference amount, the user inputs the keypad of the mobile phone and charges the user's information and the amount. Sending the requested information to the card company side, requesting the user to recharge the desired amount, and if the user receives the approval notification to allow the charging from the card company subscribed to, confirming and paying And if the user receives a non-approval notification that the user cannot subscribe to the card company, the user may perform a consultation operation required for approval with the card company using a keypad and a display.

The above objects and features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings.

(Example)

Hereinafter, a preferred embodiment of a radio frequency credit card system for a cellular phone according to the present invention will be described with reference to the drawings.

Fig. 3 (a) is a conceptual diagram showing a communication state between a code division multiple access cellular phone and a base station incorporating an RF credit card according to the present invention, and (b) is a code division incorporating an RF credit card according to the present invention. It is a structural diagram showing the internal structure of a multiple access cellular phone.

In FIG. 3A, 100 denotes a CDMA cellular phone, and 130 denotes a base station that exchanges information with the CDMA cellular phone 100. FIG.

In FIG. 3 (b), 102 denotes a wireless data communication network, 110 denotes a CPU of a mobile phone, 110a denotes an interface for data exchange, 114 denotes an LCD display, 116 denotes an RF credit card, 118 denotes an RF antenna, and 120 denotes a credit card. Each memory unit that stores personal information is shown.

As can be seen from Figure 3 (a), (b), in the radio frequency credit card system for a mobile phone according to the present invention, an RF credit card 116 is added to all elements constituting a conventional portable radio telephone. The credit card personal information is added to and stored in the memory unit 120. At this time, the RF credit card 116 and the memory unit 120 is preferably embedded in the main body of the mobile phone. For example, it may be incorporated in a battery device for supplying power to a mobile phone, and any other part may be provided in any part as long as it does not interfere with exchanging information with the CPU of the mobile phone.

Referring to Fig. 3B, the operation of a radio frequency credit card system for a cellular phone incorporating a radio frequency credit card according to the present invention will be described.

In general, the operation for the call of the mobile phone is the same as in the prior art. However, in the present invention, the RF credit card 116 is added and the credit card personal information is additionally recorded and stored in the memory unit 120, thereby providing the RF credit card 116 with a transmission and reception function necessary for financial transactions. .

That is, when the user approaches the CDMA cellular phone 100 with the RF credit card 116 according to the present invention to a card reader (not shown) which is generally installed in a bus, taxi, subway, and other merchants, transactions are automatically executed.

First, when the user (see reference numeral 20 of FIG. 2) approaches the CDMA cellular phone 100 with the built-in RF credit card 116 according to the present invention to the installed card reader, the card reader includes the built-in RF credit card 116. Data is exchanged with each other to read the credit card personal information stored in the memory unit 120. In this case, the information stored in the memory unit 120 may further store information such as whether a card can be used, a used amount, a balance, a password, an authentication key, and a type of card.

A specific use example of the radio frequency credit card system for a cellular phone according to the present invention as described above will be described with reference to FIG.

4 is a conceptual diagram illustrating an RF credit card payment system for a CDMA cellular phone according to the present invention. In FIG. 4, the same reference numerals are given to portions that play the same role as in the related art, and description thereof will be omitted.

As shown in Fig. 4, the card issuer (or mobile communication service provider) 10 opens the cellular phone and supplies the cellular phone with the built-in RF credit card.

The user 20 using the supplied mobile phone with a built-in RF credit card operates an input unit 113 consisting of a keypad (112 in FIG. 3) and an LCD display (114 in FIG. 3), thereby requesting transaction approval. do. At this time, the password is input through the keypad and the LCD display in the input unit 113, and the card issuing institution 10 is notified that the user is a legitimate user. Accordingly, the card issuing agency 10 executes a balance inquiry on the RF credit card of the user 20 and whether the user is a legitimate user, and judges that the user can be used if the user is a legitimate user and the balance is sufficient for the service request amount. Will be If a balance shortage occurs during such an inquiry operation, the user contacts the card issuing engine 10 by direct communication to request replenishment of the insufficient amount. That is, the user exchanges opinions with the card issuing engine 10 by directly operating the keypad or the LCD display. If the card issuing agency 10 permits the user to replenish the amount of money, the user can legitimately and conveniently and promptly provide various services provided by the service provider 30a such as buses, subways, taxis, gas stations and other card franchises. It becomes available.

When the transaction is made in this way, the service provider 30a transmits the transaction details with the user to the VAN operator 50, and the VAN operator 50 executes the settlement according to the transaction details to issue the card issuing institution 10. Notify Upon receipt of the settlement notice, the card issuing agency 10 requests the user 20 to pay the fee for using the cellular phone and the fee for using the card. In this case, the billing method and means may be determined by the card issuer or the mobile communication service provider.

Hereinafter, a specific use example of a radio frequency credit card system for a cellular phone according to the present invention will be described with reference to FIG. 5.

Fig. 5 is an exemplary view showing a specific use example of the RF credit card for CDMA cellular phone according to the present invention. In FIG. 5, the same names as in FIG. 4 are denoted by the same reference numerals, and description thereof will be omitted.

That is, when the user carries the CDMA mobile phone 100 and wants to use a service provided by the service provider 30a such as a taxi, subway, bus, gas station, or other affiliated store, the keypad of the mobile phone 100 is used. By inputting a predetermined password by using the base station 130 to query the availability of the card issuer (10) side.

The card issuing agency 10 receiving the inquiry request first checks whether the password sent from the user 20 matches, and then checks whether the card can be used, the amount of money used, the balance, the password, the authentication key, and the card type. To the card reader installed on the service company 30a side. Accordingly, if it is confirmed that the use of the card is legitimate, the user 20 can immediately use the desired service.

If the card issuing agency 10 determines that the information on the credit card is in error or the balance is insufficient, the user is notified of the content. Upon receiving the notification, the user 20 may check the keypad and the LCD display and present a countermeasure according to the notification. That is, if the error is notified that the password is incorrect from the card issuing agency 10, the problem can be solved by re-entering the correct password, and if a notification is received that the payable amount is insufficient, the application for replenishment of the used amount is made. Billing and payment will be made on a fixed basis for the amount requested here.

After the service use of the user 20 is executed through the above procedure, the card issuing institution 10 notifies the settlement details to the settlement bank 60 side, and the settlement bank 60 transmits the portable telephone 100. Notice of payment to the user 20, and the payment of the usage fee is made from the user 20, and the service usage amount used by the user 20 is transferred to each transaction card company (credit card company A ~ C, service card company, etc.). The deposit will be made.

By doing this, prepaid payment must be made at the charging station and recharging like a conventional RF credit card, and the inconvenience of having to visit the charging station for recharging after exhausting the small amount of the charged amount is eliminated. Can be achieved.

In addition, in the radio frequency credit card system for mobile phones according to the present invention, it is possible to stop the use of the RF credit card by only reporting the loss of the mobile phone, thereby ensuring the safety.

Also, if you need to pay a large amount of money, you can use it after entering the password using the keypad of the mobile phone to secure the reliability, and you can use it in cooperation with multiple credit card companies and service card companies. Also by using the radio frequency credit card system for a mobile phone according to the present invention can be easily used.

In addition, for ease of use and safety, it can be used for small payments without entering or authorizing a password, and for large payments, a password can be entered into a mobile phone and used within a predetermined amount of money. After use, the card issuance is settled by the data communication using the wireless public network, and payment is made by adding up the payment for the mobile communication fee, so that there is no inconvenience of having to go to the charging station with cash. You can stop using credit cards and telephones to prevent economic losses.

In addition, the partnership with a plurality of credit card companies and bonus card companies will eliminate the need to carry a plurality of credit cards. For example, if you want to pay with a VISA card, you can enter the Visa card number and corresponding password in the menu of the mobile phone and then approach the RF credit card reader.

In particular, if a criminal attempts to duplicate a mobile phone and an RF credit card installed with a preferred frequency credit card system for a mobile phone according to the present invention, it is virtually impossible to copy the password code, personal password and RF credit card inside the mobile phone at the same time. Do. Even if a copy is made, it may be impossible to use the card because it is caught by the card issuer through a simple report. Although the embodiment of the present invention has been described taking a CDMA type cellular phone as an example, any type of telephone can be used as long as the cellular phone is portable. That is, it can be used in any type of telephone such as TDMA or FDMA.

As described above, according to the configuration of the radio frequency credit card system for a cellular phone according to the present invention, a credit card can be used safely and conveniently. In addition, according to the credit card payment method of the present invention, it is possible to use a credit card quickly and accurately, and can also serve as a convenient payment means by being able to serve as a credit card function, a traffic card function, etc. as a portable telephone. Preferred embodiments of the present invention described above are disclosed for purposes of illustration, and those skilled in the art will be able to make various modifications, changes, substitutions and additions through the spirit and scope of the present invention as set forth in the appended claims.

Claims (3)

A portable device having at least a keypad for inputting transmission information, a display for displaying transmission / reception information, a memory unit for storing communication information, a high-frequency antenna for transmitting / receiving high-frequency frequencies, and a CPU for arithmetic processing of input or output information. As a telephone system, The mobile phone system has a built-in RF credit card for wireless payment, And an interface for exchanging information between the RF credit card and the CPU. The method of claim 1, wherein the memory unit, A radio frequency credit card system for a mobile phone, characterized in that it additionally records credit card personal information including credit card availability, usage amount, balance information, password, authentication key, card type. A credit card payment method using a radio frequency credit card system for a mobile phone according to claim 1, If you set an available threshold amount in advance and use a service that exceeds the threshold amount, Inputting the keypad of the mobile phone to send the user's information and information requesting the money to the card company, requesting the user to recharge the desired amount; If the user receives an approval notification from the card company subscribed to the charge, the step of confirming and paying; If the user receives a non-approval notification that the user cannot subscribe to the card company, the mobile terminal includes a step of performing a consultation operation required for approval with the card company by using a keypad and a display. How to pay by credit card using a phone.