KR20020066828A - Control method of electronic commerce with non-contacting RF-card reader - Google Patents

Abstract

PURPOSE: A method for controlling an electronic payment system is provided to process small payment through a mobile terminal conveniently, protect a user when the user lost a card through a user authenticating process, prevent an overload on a communication and a communication delay, and make various kinds of cards be used. CONSTITUTION: A kind of specific card is recognized from an RF card accessed through an RF antenna, and user data are received to a card recognizing and RF receiving unit(S01). Identity checking data of a user out of data received through the card recognizing and RF receiving unit are compared with data stored in a user authentication information-storing unit in a central processing unit, and the user is certified(S02). If the user is a certified user, a rental charge out of data received through the card recognizing and RF receiving unit is calculated, and a payment of the calculated charge is approved(S03-S05). The calculated charge is stored in a rental charge-storing unit, and the calculated charge is printed to a printing outputting unit(S06-S07). The charge of each user is totalized day after day, and the state is transmitted to a mobile communication service company(S08-S09).

Description

Control method of electronic payment system using non-contact RF card reader {Control method of electronic commerce with non-contacting RF-card reader}

The present invention relates to a control method of an electronic payment system using a contactless RF card reader, and more particularly, to a non-contact RF card reader for easily and conveniently processing small payments generated in various transactions such as transportation, distribution, and culture. It relates to a control method of the electronic payment system used.

In general, smart cards, which are almost the same size and shape as credit cards, are also known as integrated circuit (IC) cards, and are named because they contain a semiconductor integrated circuit. The IC integrates microprocessors such as computer CPUs, card operating systems, memory, and security modules.

So calling a tiny computer isn't wrong at all. This IC chip, embedded in a thin card with a thickness of about 0.76mm, allows smart cards to store more information than conventional magnetic cards that use magnetic wires, as well as significantly superior stability. Have.

Credit cards, debit cards, debit cards, etc., which are currently used the most, almost all use simple information stored on the magnetic line on the back of the card. However, the amount of information that can be stored is extremely limited, and when exposed to a strong magnetic field in everyday life, it is not only easily damaged, but also has a disadvantage in that information can be easily leaked because there is no security function.

However, the smart card can be used not only as a user or transaction information, but also a large amount of information such as personal information such as bank account, social security number, etc. can be used as a simple electronic money as well as various applications. In particular, this important information can be protected by a microprocessor, data protection and encryption. In addition, whether the user of the card is a legitimate user uses a personal identification number called a PIN (Personal Identification Number).

Smart cards are divided into memory type and microprocessor built-in type according to the type of built-in IC. Memory-type cards include no microprocessor, memory only, or security features in memory, and are used for public phone cards or data storage.

The built-in microprocessor allows you to perform computations inside the card, allowing you to use complex encryption features to protect your data. EEPROM is used as memory used to store data. It can also be divided into contact and contactless cards, depending on how data is read from the card.

A contact card is a card that can be used only after the card is inserted into a reader or a terminal and the contacts are in contact with each other. The input and output process of the information is carried out with the voltage supply required to drive the IC circuits in the card through the contacts.

On the other hand, a contactless card, like a bus card, can be read within a certain distance (within 10 cm) of the terminal by the terminal. Since the contactless card cannot supply the voltage from the outside, the inductive current is obtained by using the coil embedded in the card. It also contains a simple wireless communication circuit for data input and output to and from the terminal.

In the case of a contact card, the contact must be touched each time it is used, so there is a high possibility of being subjected to electric shock or damaged contacts. On the other hand, the contactless card does not have this disadvantage, but has a disadvantage in that the manufacturing cost is higher than that of the contact card. Of course, dual cards that can be used in both ways are also in use today.

In addition, examples of smart card-type electronic money, Mondex card for charging a certain amount of money through the telephone, the Internet, ATM devices, etc .; If you have a bank account, you can get a card through the bank, and K-cash (K-cash) that allows one person to receive and use multiple K-caches; Smart card in various forms such as CD cache that stores encrypted codes in a CD-ROM in the form of a business card size and checks the code of the CD card in the CD-ROM when shopping online or using the site. Electronic money has been developed.

However, according to the related art, the conventional functions of the terminal for accessing the smart card (IC card) described above are merely input / output of data from the card, and thus various transactions such as transportation, distribution, and culture. There is a lack of development of various and more specific terminals for easier and more convenient handling of small payments generated in.

In particular, in the case of a prepaid RF card is used in a way that a predetermined amount of money is pre-charged to the card, there is a problem that the prepared measures in case of loss.

In addition, the installation work is complicated because the line construction must be performed at the time of installation of the terminal, there is also a problem that the processing speed is lowered due to communication overload or delay in communication because it must maintain communication with the server at all times.

In addition, it has been developed to recognize only a specific card, there is also a problem that lacks compatibility and expandability in the case of using a different type of card.

Accordingly, the present invention is to solve the above-mentioned conventional problems, the object of which is to easily and conveniently handle the small payments generated in various transactions such as transportation, distribution, culture, etc., and at the same time, lost In order to actively protect users through the user authentication process, to simplify the installation work through the wireless method, to prevent overload or delay in communication, and to have compatibility and expandability to use various types of cards. The present invention provides a control method of an electronic payment system using a contactless RF card reader.

1 is a flow chart illustrating a control method of an electronic payment system using a contactless RF card reader according to the present invention.

Figure 2 is a complete block diagram of a payment system using a contactless RF card reader for implementing the present invention.

Figure 3 is a block diagram showing in detail the contactless RF card reader for implementing the present invention.

4 is a front view showing the appearance of FIG.

5 is a state diagram used in FIG.

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

100: RF card 200: contactless RF card reader

201: RF antenna 202: card recognition and RF receiver

203: key input unit 204: screen output unit

205: print output unit 206: charge storage unit

207: user authentication information storage unit 208: power supply unit

209: wireless transceiver 210: mobile communication antenna

220: central processing unit 221: user inquiry / authentication means

222: charge settlement means 223: payment / approval means

300: mobile communication service provider 400: financial institutions

410 user account

A feature of the control method of an electronic payment system using a non-contact RF card reader according to the present invention for achieving the above object, while recognizing the type of a specific card from the RF card in proximity through the RF antenna, and the user data Receiving the card recognition and RF receiver; Comparing the identification data of the user and the data stored in the user authentication information storage unit among the data received through the card recognition and RF receiver to determine whether the user is an authenticated user; As a result of the determination, if the user is not an authenticated user, the disapproval and non-use notification is displayed and terminated through the screen output unit, and if the user is an authenticated user, the usage fee is calculated from the data received through the card recognition and RF receiver. Approving the payment of the settled fee; Storing the usage fee settled by the central processing unit and printing the settled usage fee to a print output unit; And counting the usage fee of each user on a daily basis and transmitting the counting status to the mobile communication service provider.

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

1 is a flowchart illustrating a control method of an electronic payment system using a contactless RF card reader according to the present invention.

As shown, the step of recognizing a specific card type from the RF card 100 in proximity through the RF antenna 201, and receiving the user data to the card recognition and RF receiver 202 (S01), Determining whether the user is an authenticated user by comparing the identification data of the user among the data received through the card recognition and RF receiver 202 and the data stored in the user authentication information storage unit 207 in the central processing unit 220. (S02) and, as a result of the determination, if the user is not an authenticated user, display and terminate the notification of rejection and discontinuity through the screen output unit 204, and if the user is an authenticated card recognition and RF receiver 202 The use fee is calculated from the data received through the step of approving the payment of the use fee calculated in the above (S03 to S05), and the fee used by the central processing unit 220, the use fee storage unit 206 Me And printing the calculated usage fee to the print output unit 205 (S06 to S07) and counting the usage fee of each user on a daily basis, and transmitting the counting status to the mobile communication service provider 300. Steps S08 to S09 are included.

In addition, according to the daily usage charges received status received by the mobile communication service provider 300, the billing customer's monthly call charges are recorded, notified, and collected in the billing bills to the contracted financial institution 400 It further includes steps (S10 ~ S11) to be settled, settled.

The method may further include storing the authentication information of the user on a daily basis from the mobile communication service provider 300 and storing the authentication information of the user in the user authentication information storage unit 207, wherein the user's transmitted information is transmitted from the mobile communication service provider 300. The authentication information includes card loss information of a specific user.

2 is an overall block diagram of a payment system using a contactless RF card reader for implementing the present invention.

As shown, the present invention is a contactless RF card reader 200 for receiving data from the RF card 100, the adjacent RF card 100, and user authentication and payment fee, the contactless RF card reader 200 ) And the mobile communication service provider 300 that transmits and receives wireless data about the authentication information and usage charge status of each user on a daily basis, and monthly call charge bills of subscribers according to the usage charge aggregation status received on a daily basis. It consists of a financial institution 400 to record, notify, collect, settle, and settle payment usage history.

Figure 3 is a block diagram showing a contactless RF card reader in detail for implementing the present invention, Figure 4 is a front view showing the appearance of Figure 3, Figure 5 is a use state diagram of FIG.

As shown, the contactless RF card reader 200 according to the present invention is an RF antenna 201, RF receiving and card recognition unit 202, key input unit 203, screen output unit 204, print output unit ( 205, usage fee storage 206, user authentication information storage 207, power supply 208, wireless transceiver 209, mobile communication antenna 210, and central processing unit 220.

The wireless transceiver 209 transmits / receives wireless data regarding authentication information and usage fee status of each user with the mobile communication service provider 300 through the mobile communication antenna 210 on a daily basis. Here, the wireless transceiver 209 preferably communicates bidirectionally with the mobile communication service provider 300 through a CDMA scheme.

The user authentication information storage unit 207 stores the user authentication information received through the wireless transmission and reception unit 209, the card recognition and RF receiver 202 is close to the RF card 100 via the RF antenna 201 It recognizes the specific card type from the card and receives the user data.

Here, the conventional RF card 100 has an RF-IC chip and an RF antenna therein, and the card recognition and RF receiver 202 receives data from all contactless cards complying with the ISO 14443 standard. do. In addition, the card recognition and RF receiver 202 is extended to accommodate each specific code value system to recognize various types of RF card (bus card, subway card, phone card, mobile phone card, etc.) It is desirable to include a memory area (approximately 16 MB).

The central processing unit 220 compares the identification data of the user with the data stored in the user authentication information storage unit 207 of the data received through the card recognition and RF receiver 202, and determines whether the user is an authenticated user, In the case of an authenticated user, the fee is calculated from the data received through the card recognition and RF receiving unit 202, and the payment of the calculated fee is approved. Through the screen output unit 204, the notification of rejection and unavailable service is displayed and finished.

To this end, the central processing unit 220 is a user authenticated by comparing the identification data of the user and the data stored in the user authentication information storage unit 207 of the data received through the card recognition and RF receiver 202 The user inquiry / authentication means 221 for determining a payment rate means 222 and the rate settlement means 222 for calculating a usage fee among data received through the card recognition and RF receiver 202. It includes a payment / approval means 223 for approving the payment of the usage fee.

The usage fee storage unit 206 stores the usage fee settled by the central processing unit 220, and the print output unit 205 prints the usage fee settled by the central processing unit 220, and the key input unit 203. Is connected to the central processing unit 220 performs a manual input operation such as an interface function between the user and the terminal, for example, the usage fee.

In addition, the screen output unit 204 is connected to the central processing unit 220 to display the processing process inside the terminal on the screen, the power supply unit 208 supplies the driving power to the respective parts.

In addition, the authentication information of the user transmitted from the mobile communication service provider 300 includes card loss information of a specific user, and the mobile communication service provider 300 subscribes according to the received daily usage fee counting status. Record, notify, and collect small payment usage history on the customer's monthly call rate bill to be settled and settled to the contracted financial institution 400. Here, the financial institution 400 has a user account 410 for settlement and settlement in advance.

Referring to the operation of the present invention configured in this way in more detail as follows.

First, when the user approaches the RF card 100 to the non-contact RF card reader 200, a specific code value is detected from the proximity RF card 100, and according to the type of the card, for example, subway card, bus card, Recognizing a telephone card and the like, the user data output from the card is received by the card recognition and RF receiver 202 through the RF antenna 201 (S01).

Thereafter, the central processing unit 220 compares the identification data of the user and the data stored in the user authentication information storage unit 207 among the data received through the card recognition and RF receiver 202 to determine whether the user is an authenticated user. (S02)

Here, the user authentication information storage unit 207 receives and stores the authentication information of the user from the mobile communication service provider 300 on a daily basis, and the authentication information also includes card loss information of a specific user.

Therefore, if the determination result, the central processing unit 220, if not the authenticated user displays and rejects the notification of approval rejection and unavailable use through the screen output unit 204 (S03). On the other hand, in the case of an authenticated user, the fee is calculated from the data received through the card recognition and RF receiver 202, and the payment of the fee used is approved (S04 to S05).

In more detail, the user inquiry / authentication means 221 of the central processing unit 220 is the user identification data and the user authentication information storage unit of the data received through the card recognition and RF receiver 202 ( It is determined whether the user is authenticated by comparing the data stored in 207, and the charge settlement means 222 calculates the usage fee among the data received through the card recognition and RF receiver 202, and the payment / authorization means 223 ) Approves the payment of the usage fee settled by the fee settlement means 222.

Thereafter, the usage fee settled by the central processing unit 220 is stored in the usage fee storage unit 206, and the settled usage fee is printed to the print output unit 205 to issue a receipt (S06 to S07).

In addition, the central processing unit 220 performs the above-described process for one day (24 hours), and then counts the sales according to the usage fee of each user on a daily basis, and calculates the counting status of the mobile communication service company (300). ) Or notify in addition to the communication bill of the contracted user (S08 ~ S09).

The mobile telecommunications service provider 300 records, notifies, and collects a small payment usage history on a monthly call rate bill of a subscription customer according to the received daily usage fee counting status, and settles the contract to a financial institution 400. Make a payment (S10 ~ S11).

Although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments without departing from the spirit of the present invention as claimed in the claims. Various modifications can be made by those skilled in the art, and such modifications are intended to fall within the scope of the appended claims.

As described above, according to the control method of the electronic payment system using the non-contact RF card reader according to the present invention, it is easier and more convenient to handle the small payments generated in various transactions such as traffic, distribution, culture, etc. through the mobile terminal. At the same time, even if lost, the user can be actively protected through the user authentication process.

In addition, since the wireless mobile communication method is used, the terminal can be easily installed and the receipt can be immediately printed, thereby increasing the usability and convenience on the user side.

In addition, it is possible to reduce the overload on the communication by counting the sales amount according to the usage fee of each user on a daily basis and to prevent the communication delay, thereby improving the processing speed of the terminal itself. .

In addition, it is possible to receive data from all contactless cards conforming to the ISO 14443 standard, and to expand the memory to store additional code values, thereby having compatibility or extensibility of user data generated from various types of cards. There is also.

Claims (4)

Recognizing the specific card type from the RF card 100 in proximity through the RF antenna 201, and receiving the user data to the card recognition and RF receiver 202 (S01); Determining whether the user is an authenticated user by comparing the identification data of the user among the data received through the card recognition and RF receiver 202 and the data stored in the user authentication information storage unit 207 in the central processing unit 220. (S02); As a result of the determination, if the user is not an authenticated user, the disapproval and unavailability notification is displayed and terminated through the screen output unit 204, and the data received through the card recognition and RF receiver 202 when the user is an authenticated user. Calculating the usage fee, and approving the payment of the use fee settled above (S03 to S05); Storing the usage fee settled by the central processing unit 220 in the usage fee storage unit 206 and printing the settled usage fee to the print output unit 205 (S06 to S07); And A contactless RF card reader having a wireless mobile communication function, comprising the steps of counting the usage fee of each user on a daily basis and transmitting the counting status to the mobile communication service provider 300 (S08 to S09). Control method. According to claim 1, The financial institution contracted by recording, notifying, and collecting the micropayment usage history on the monthly call rate bill of the subscription customer according to the daily usage charges received by the mobile communication service provider 300 The control method of the non-contact RF card reader having a wireless mobile communication function, characterized in that it further comprises the step (S10 ~ S11) to settle and settle to (400). The method of claim 1, further comprising: receiving the user authentication information from the mobile communication service provider 300 on a daily basis and storing the user authentication information in the user authentication information storage unit 207. Control method of contactless RF card reader. 4. The control method according to claim 3, wherein the authentication information of the user transmitted from the mobile communication service provider includes card loss information of a specific user.