KR20010066279A - usage acknowledgement and money charging method of handy phone, which built smartcard with - Google Patents

Abstract

PURPOSE: A using authenticating and money charging method for a cellular phone in which a smart card is installed is provided to conveniently charge a money in only cellular phone using a packet data communication and strengthen a using authentication when paying the money to secure the convenience of a user. CONSTITUTION: If a user inputs a "CALL" key of a cellular phone and requests a money charge(S14), the cellular phone transmits packet data including a charge request, a kind of card, a serial number, a necessary money to be charged, and a secret number to a server of a service business network through a packet data call(S15). The server confirms the transmitted packet data to grasp a credit state of a user and transmits packet data including a requested charge money, an authentication key value, and a serial number to the cellular phone through the packet data call(S16). The cellular phone classifies a money charge data from the transmitted packet data to extract the money charge data and confirms whether a serial number corresponding to the authentication key value is identical to its serial number(S17,S18). If the serial number corresponding to the authentication key value is identical to its serial number, the cellular phone instructs a money charge to a smart card and stores extracted money charge information to a memory of the smart card(S19). If a response message for informing that the storage is completed is transmitted to the cellular phone, the cellular phone displays the response message on an LCD(S20,S21). The cellular phone transmits a completion message for informing the completion of a money charge to the server of the service business network(S22).

Description

Usage acknowledgment and money charging method of handy phone, which built smartcard with}

The present invention relates to a mobile phone equipped with a smart card, and more particularly, to a method of authentication and charge of money, in which a smart card and a mobile phone are integrated to provide convenience for charge and use authentication.

In general, the current transportation card for using a bus or subway can be used only when a user visits a charging station having a charging device and charges a certain amount. At this time, the record of using the card is not stored and the user cannot check the current remaining balance, so there is no evidence to raise a problem in case of malfunction. Also, if you lose your card, it is not equipped to prevent others from using it.

Recently, a pager with such a traffic card has been released. In the case of the wireless pager with the traffic card, the payment method is the same as that of a conventional traffic card. However, the pager has a different charging method than a conventional traffic card, and especially has a function of suspension and balance check.

How to charge the amount of the wireless pager with this traffic card

First, when the user wants to charge a certain amount, the user calls the service provider's network. At this time, the user is authenticated by entering a password through an automatic answering service (ARS). After entering the amount to be recharged, the service provider sends the charge information and the serial number of the transportation card to the call signal. When this signal is received by the wireless pager, the pager sorts the received signal, authenticates by serial number comparison, and stores the amount in the memory of the traffic card to complete the charge.

In this way, when the charge is completed, the display window of the pager indicates that the charge is completed, the user confirms this.

When checking the balance, the current balance and the number of charges are displayed on the display window by the constant key button operation of the pager. In addition, if the wireless pager is lost, the user can use the calling signal to stop using the traffic card at a long distance.

1 is a flowchart showing a procedure for a conventional charging mode.

Referring to Figure 1, the subscriber's wireless pager analyzes the information from the header of the call signal (S1).

As a result of the analysis, if the general call information, the call number is displayed (S2).

In the following analysis, if the amount of charging information, the transmitted serial number is compared with its own unique number (S3). At this time, if the serial number and its own unique number is matched (an error is displayed if it does not match), the counter value included in the amount charging information is read and compared with the counter value of the function for decryption (S5, S6).

At this time, the counter value included in the charge amount information and the counter value of the function for decryption match, and when the decryption is decrypted (S7). On the other hand, if it does not match, an error is displayed (S13).

Thereafter, it is determined whether the extracted key values match (S8), and if there is a match, the central processing unit (hereinafter, abbreviated as CPU) checks the amount storage area in the memory of the smart card and checks the remaining balance so far. The current amount of money data is added (S9). Thereafter, it is determined whether the summed amount is greater than or equal to a predetermined amount, and when the sum is greater than or equal to a predetermined amount, an overflow signal is displayed and an error is displayed (S13).

If the card use stop information in the next analysis result, the transmitted serial number is compared with its own unique number (S10). At this time, if the serial number and its own unique number is matched, the use of the card is stopped (S12), while if it does not match, an error is displayed (S13).

In the related art described above, when the first wireless pager is lost, unauthorized use of another person cannot be prevented until the stop instruction by the call signal is transmitted.

Secondly, since charging is conventionally performed through a telephone, when there is no charged balance and an additional device such as a telephone cannot be used, payment of the amount is impossible through a wireless pager. In addition, a signal for charging the amount is incorrectly received. In this case, since a user must determine and perform a signal retransmission request or the like, an error correction may be difficult or impossible when a problem occurs.

An object of the present invention has been made in view of the above points, in particular, in the hardware integrating a smart card and a mobile phone, using the packet data communication to charge the money more conveniently, and the use of payment of money, etc. The city provides a method of authenticating and charging the use of a mobile phone equipped with a smart card to further enhance user authentication.

A feature of the method for charging the amount of money of a smart card-equipped mobile phone according to the present invention for achieving the above object is that the user presses a specific key on the smart phone-equipped mobile phone to the amount charged in the smart card. Checking the balance; requesting the user to charge money through the mobile phone; and receiving packet data including user information required for charging and charging through the packet data call. Delivering to the server (SERVER) of the service provider network, the server confirms the forwarded packet data and delivers the packet data including the information necessary for charging through the packet data call to the mobile phone And classifying and extracting the money charging data from the received packet data. A step to save the exported amount of the charge information in the smart card memory.

Preferably, the balance check step, a user via a mobile phone equipped with a smart card to request a balance check for the amount of money charged to the smart card by pressing a specific key, the mobile phone to check the currently stored balance to the smart card It transmits a request to confirm, the smart card confirms and responds to the balance stored in its memory, and displays the balance information included in the response of the smart card on the display window (LCD) of the mobile phone.

In addition, the packet data transmitted by the mobile phone to the server of the service provider network includes a card type, a serial number, a required amount of charge, and a password as user information, and the server of the service provider network transmits the information to the mobile phone. The packet data includes a requested charge amount, an authentication key value, and a serial number. Before the server of the service provider network transmits the packet data to the mobile phone, the server grasps the credit status of the mobile phone user. .

In addition, before storing the extracted amount charging information in the memory of the smart card, the mobile phone checks whether the serial number matches the serial number in the packet data received from the server, Instructs the smart card to store money charging information, and after the money charging information is stored in the smart card memory, a message indicating completion of money charging is displayed on a display window (LCD), and then the phone is charged. A completion message for notifying completion is delivered to the server.

The use authentication method of the smart phone equipped with a mobile phone according to the present invention for achieving the above object is, in response to the mobile phone equipped with a smart card from the detection device for withdrawing a certain amount of money stored in the smart card Generating a withdrawal request; displaying a message requesting approval on the display window (LCD) of the cellular phone as the withdrawal request occurs; and allowing the cellular phone user to approve the withdrawal by pressing his / her password. In this case, the required amount is paid in the smart card.

Here, after the required amount is paid, the remaining balance is displayed on the detection device, and the remaining balance is also displayed on the mobile phone display window.

Further, when a withdrawal request from the detection device occurs, the requested amount is paid from the smart card without the withdrawal approval of the mobile phone user by the user's selection.

Another feature of the authentication method for using a smart phone equipped with a smart phone according to the present invention for achieving the above object is that the user of the smart phone equipped with a smart card requests to stop payment of the smart card over a wireless network. And outputting a warning display for the payment request of the detection device which withdraws the amount of money stored in the smart card in response to the cellular phone in response to the request to stop the payment of money.

1 is a flowchart showing a procedure for a conventional charging mode.

2 is a block diagram showing a hardware configuration in which the smart card and the cellular phone of the present invention are integrated.

3 is a flow chart showing a balance check procedure according to the present invention.

4 is a flow chart showing the amount of money charging procedure according to the present invention.

5 is a flowchart illustrating a card use procedure of the present invention.

Figure 6 is a flow chart showing a card use stop procedure of the present invention.

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

10: mobile phone 20: smart card

30: server 40: detection device

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of a method for authenticating and charging a use amount of a smart phone equipped with a smart phone according to the present invention.

The present invention applies a card for paying a bill, such as a traffic card, to a mobile phone, which is different from the conventional traffic card applied to a wireless pager.

Fig. 2 is a block diagram showing a hardware configuration in which the smart card of the present invention is integrated with a mobile phone. The hardware structure includes a contactless smart card 20 and a mobile phone 10.

In FIG. 2, the mobile phone 10 and the smart card 20 are integrated into a single structure, and a program for charging money is stored in the memory (ROM or RAM) 13 and 14 of the mobile phone 10 and the CPU ( 15).

The storage of the charged amount and the amount of the change in the amount of payment is stored in the memory (ROM or RAM) (24, 25) of the smart card.

In particular, the data exchange between the mobile phone 10 and the smart card 20 is made through the serial interface 17 of the mobile phone and the serial interface 23 of the smart card 20, in which case the data transmission protocol Convert it to the correct format and send it.

3 is a flowchart illustrating a balance checking procedure according to the present invention.

When checking the balance stored in the memory of the smart card in Figure 3, the user first presses a specific key for checking the balance of the mobile phone (S1).

When the user requests the balance check by the mobile phone, the mobile phone transmits a request command to check the balance stored in its memory by the smart card (S2). Accordingly, when the smart card checks and responds to the balance stored in its memory (S3), the current balance is displayed on the display window (LCD) of the mobile phone (S4).

4 is a flow chart showing the amount of money charging procedure according to the present invention.

If the necessity to fill the amount of money in the memory of the smart card in Figure 4, the user first checks the balance in the same manner as in the above-described procedure of Figure 3 (S10 to S13).

After that, the user presses the "CALL" key of the mobile phone to request the money to be charged (S14). Accordingly, the mobile phone requests the charge, the card type, the serial number, the required amount of charge and the password through the packet data call. The packet data including the data is transmitted to the server of the service provider network (S15).

The server then checks the forwarded packet data and checks the user's credit status. Afterwards, the server carries the packet data including the required charge amount, authentication key value and serial number through the packet call again. Deliver to the phone (S16).

The mobile phone classifies and extracts the amount charging data from the received packet data, and then checks whether the serial number corresponding to the authentication key value matches the serial number thereof (S17, S18).

At this time, if the serial number is matched, the amount of charge information is charged to the smart card, and the extracted amount of charging information is stored in the memory of the smart card (S19). LCD) (S20, S21).

Then, the mobile phone transmits a completion message for notifying the completion of charging the money to the server of the service provider network (S22).

After the charge is completed, the server notifies the company (eg, transportation bus association) to pay the user's use amount, and then charges the user for the amount charged.

The following describes the procedure for smart card use authentication.

5 is a flowchart illustrating a card use procedure of the present invention.

In FIG. 5, the use of a smart card is first when the user tries to use the amount stored in the smart card, that is, when the user requests the use of the card to the detector using a mobile phone equipped with a smart card to use the card. (S30), when the detection device requests the required amount of money withdrawal (S31), the smart card compares the amount to be withdrawn and the stored amount.

At this time, if the amount to be withdrawn is less, the smart card requests the withdrawal approval to the mobile phone (S32), in this case, a message requesting permission to use is displayed on the display window (LCD) of the mobile phone (S33).

After the user presses the password to approve the withdrawal (S34), the mobile phone responds to the withdrawal approval request to the smart card (S35).

Accordingly, the required withdrawal amount is paid from the smart card, and accordingly, the remaining balance is displayed on the detection device. In addition, the remaining balance after the withdrawal of money is also displayed on the mobile phone.

In FIG. 5, the detector DETECTOR is a device for withdrawing money in response to a contactless smart card.

However, as shown in FIG. 5, if the payment is always made through user approval, inconvenience may occur. In the present invention, a small amount of payment can be easily paid without using approval according to the user's selection.

6 is a flowchart illustrating a card stop procedure of the present invention.

6 is a case where the user loses the cellular phone, the user first calls the cellular phone over the wireless network and requests the card to be stopped (S40). In this case, a pause is ordered with a key value (password) corresponding to the suspension of use, and the mobile phone transmits a command for requesting the card stop again to the smart card (S41). As a result, the smart card does not respond to the withdrawal request of the detection device.

Particularly, in the present invention, when the use of the card is stopped due to the loss of the mobile phone as described above, and the use of the smart card is paused, if the smart card reacts with the detection device, the current device is lost. Inform the user of the warning.

As described above, in the present invention, when a mobile phone equipped with a smart card is lost, the payment can be prevented by the request for suspension through the loss report, and the user's approval is required to pay the amount of money. You can prevent related accidents.

In particular, by integrating the smart card into the mobile phone for the convenience of the user, there is no need to generate a payment card separately. In addition, the user does not need to visit a charging station having a charging device to charge a certain amount.

Finally, the amount of money charged, the balance, and the usage history are notified to the user via the LCD of the mobile phone, which can be used as a basis for raising problems in case of malfunction.

Claims (10)

Checking a balance of the amount charged in the smart card by the user pressing a specific key through the mobile phone equipped with the smart card; Requesting the user to charge money through the mobile phone; Transmitting, by the cellular phone, packet data including a user's information required for charging and charging through a packet data call to a server of a service provider network; Transmitting, by the server, the packet data including the information necessary for charging through the packet data call to the mobile phone after checking the transmitted packet data; And classifying and extracting the amount charging data from the received packet data, and storing the extracted amount charging information in a memory of the smart card. The method of claim 1, wherein the checking of the balance comprises: Through a mobile phone equipped with a smart card, the user presses a specific key to request a balance check on the amount charged on the smart card, The mobile phone sends a request to the smart card to confirm the currently stored balance, The smart card checks the balance stored in its memory and responds, The method of claim 1, wherein the balance information included in the response of the smart card is displayed on a display window (LCD) of the mobile phone. The packet data transmitted by the cellular phone to the server of the service provider network includes a card type, a serial number, a required amount of charge, and a password as user information, and the server of the service provider network includes the portable information. Packet data delivered to the phone includes the required charge amount, the authentication key value, the serial number of the smart card-mounted mobile phone charging method, characterized in that the serial number. The method of claim 1, wherein before the server of the service provider network transmits packet data to the mobile phone, the server checks the credit status of the mobile phone user. How to fill the amount. According to claim 1, Before the step of storing the extracted money charging information in the memory of the smart card, the mobile phone checks each other whether the serial number matches the serial number in the packet data received from the server The method for charging money of a smart phone equipped with a smart card, characterized in that the command to the smart card storage of the money charging information if matched. 6. The method of claim 5, wherein after the money charging information is stored in the smart card memory, the mobile phone displays a message indicating completion of money charging on a display window (LCD), and then the mobile phone completes a message for notifying completion of money charging. Charging method of the mobile phone equipped with a smart card, characterized in that for transmitting to the server. According to claim 1, If the withdrawal request from the detection device for withdrawing the amount of money stored in the smart card in response to the smart phone equipped with the smart card after the step of storing the charge information in the memory of the smart card The use authentication of the mobile phone is Displaying a message requesting approval on a display window (LCD) of the mobile phone as the withdrawal request occurs; And when the mobile phone user approves the withdrawal by pressing his / her password, the requested amount is paid from the smart card. 8. The mobile phone with a smart card according to claim 7, wherein after the required amount is paid, the remaining balance is displayed on the detection device, and the remaining balance is displayed on the display window of the mobile phone. Use of authentication method. 8. The smart card according to claim 7, wherein when the withdrawal request is generated from the detection device, the requested amount is paid from the smart card without the withdrawal approval of the mobile phone user by the user's selection. How to authenticate your mobile phone. The method of claim 1, further comprising: after the storing of the money charging information in the memory of the smart card, the user of the mobile phone equipped with the smart card selectively requesting the payment of the smart card through the wireless network; In response to the request to stop the payment of money, the smart card is further equipped with a step of outputting a warning display for the payment request of the detection device for withdrawing the amount of money stored in the smart card in response to the mobile phone To use an authorized mobile phone.