KR20110031686A - System for charging automatic carrying along terminal using transfer account and method therefor - Google Patents

Abstract

PURPOSE: A system and a method for automatically charged to a portable terminal through a transferring are provided to automatically charge by adding the cut amount to the balance in the USIm card. CONSTITUTION: An automatic charging server(200) transmits the automatic charge request information after generating information about requesting automatic charge. The portable terminal adds automatic charge amount information which is received from the automatic charge server to the charged balance stored in the USIM card. A bank server(300) cuts the charging amount form a balance included in the account information and generates charge amount transfer completion information. The bank server transfers the charged amount to the automatic charging server. The automatic charging server stores automatic charging completion information received from the portable terminal in an automatic charging DB.

Description

Automatic charging system for mobile terminal through bank transfer and its method {SYSTEM FOR CHARGING AUTOMATIC CARRYING ALONG TERMINAL USING TRANSFER ACCOUNT AND METHOD THEREFOR}

The present invention relates to a mobile terminal automatic charging system and method through the transfer, more specifically, when the balance in the Universal Subscriber Identity Module (USIM) card embedded in the mobile terminal is changed to less than the reference amount, the user's bank A technology for subtracting a predetermined amount from the balance of an account and automatically adding the deducted amount to the balance in the USIM card built into the mobile terminal, that is, automatically replenishing the balance in the USIM card of the mobile terminal through account transfer. will be.

Smart card is an electronic credit card that can hold a large amount of information with IC (Integrated Circuit) memory element and is divided into memory type smart card and smart card with microprocessor.

Memory type smart card is a smart card without built-in microprocessor. It is a type that includes security device in addition to memory that is mainly used in the fields that can be treated as securities such as public phone card or purchase right, and pure data such as medical insurance card. For storage purposes only memory is built-in.

A smart card with a built-in microprocessor is a card that can carry out functions such as decision, operation, and data protection by embedding a microprocessor and memory. It supports bidirectional information transfer by embedding a microprocessor, memory, input / output protocol, and application program.

In general, a smart card embedded in a microprocessor, which is widely used in a mobile communication terminal, embeds smart card identification information and charge amount information in a USIM embedded therein, and serves as a payment method when purchasing a product or paying a transportation fee.

Such smart cards can be replaced with credit cards, but the complexity of the issuance standards makes it difficult for students including teenagers to use them, and it causes enormous damage when the issued credit card is lost. I prefer smart cards.

However, the current smart card has to be charged so that the remaining balance is kept at a certain amount, and this charging process is performed by the user carrying cash and visiting the place where the charging means is provided, or recording such as a computer. It causes inconvenience of having to perform user confirmation and charge settlement through financial company online through the media.

The present invention has been made to solve the above problems, an object of the present invention, when the balance in the USIM card embedded in the portable terminal is changed to less than the reference amount, the predetermined amount is deducted from the balance of the user's bank account And, the deducted amount is added to the balance in the USIM card embedded in the mobile terminal to automatically charge.

In order to achieve the above technical problem, the mobile terminal automatic charging system using the account transfer of the present invention, the subscription application information of the mobile terminal automatic charge balance charging service through the account transfer received according to the user's key input signal (subscription application information ) And send the USIM card identification number embedded in the USIM card to the bank server, receive the subscription request information from the automatic charging wireless server and store it in the USIM card, and the remaining balance of the USIM card is included in the subscription request information. If it is changed to less than the standard amount, generate the information (autocharge request information) to request the charge of the charge amount and the corresponding amount included in the subscription application complete information and send it to the autocharge server, the automatic received from the autocharge server The automatic recharge complete information generated by adding the recharge amount information to the recharge balance stored in the USIM card A wireless terminal to be transmitted to; Receive the subscription request information and USIM card identification number, and read the account information and the automatic charge amount matching the user account number included in the subscription application information from the account DB, and the automatic charge amount set when receiving the automatic charge request information later Creates a subscription application complete information to be deducted from the balance included in the account information and stores it in the account DB, and sends the generated subscription application complete information to the mobile terminal and the automatic charging server, the transfer request information charges from the automatic charging server Receives, reads the account information matching the user account number from the account DB and sends the charge amount transfer completion information generated by deducting the charge amount from the balance contained in the account information to the automatic charge server, and automatically charges the charge amount A bank server for transferring to the server and updating the account information stored in the account DB; And storing the subscription request completion information in the automatic charging DB, indexing the subscription request completion information corresponding to the automatic charging request information received from the mobile terminal from the automatic charging DB, and requesting a transfer of the charge amount included in the subscription application completion information. Generates the charge amount transfer request information and sends it to the bank server, receives the charge amount transfer completion information from the bank server, receives the charge amount and stores it in the automatic charge DB, and the automatic charge amount information generated according to the charge amount transfer An automatic charging server for transmitting to the portable terminal and storing the automatic charging completion information received from the portable terminal in the automatic charging DB; It includes.

Hereinafter, the automatic charging method of the mobile terminal through the account transfer of the present invention based on the above-described system, in the automatic charging method of the mobile terminal through account transfer, the charge balance stored in the USIM card of the mobile terminal is applied to the subscription application complete information. In the case of (a) determining whether it is changed to less than the included reference amount, and (a) as a result of the determination, if the charge balance stored in the USIM card is changed to less than the reference amount included in the subscription information, the mobile terminal (B) generating the automatic charge request information requesting the charging of the amount corresponding to the charge amount included in the subscription application completion information and transmitting it to the automatic charge server, and responding to the automatic charge request information received by the automatic charge server. Index the completion information of the subscription application from the automatic charging DB, and generate the charge amount transfer request information requesting the transfer of the charge amount included in the subscription application completion information. Step (c) of transmitting to the bank server, and the bank server reads the account information that matches the user account number from the account DB and automatically subtracts the charge amount transfer completion information generated by subtracting the charge amount from the balance included in the account information. (D) transmitting to the recharge server, transferring the recharge amount to the auto recharge server, and updating the account information stored in the account DB, and recharging the replenishment amount transfer information from the bank server and recharging the recharge amount from the bank server. (E) receiving the transfer amount and storing it in the automatic charging DB, and transmitting the automatic charging amount information generated according to the transfer of the charged amount to the mobile terminal, and the mobile terminal corresponds to the automatic charging amount information received from the automatic charging server. (F) transmitting the automatic charging completion information generated by adding and updating the amount to the charging balance stored in the USIM card to the automatic charging server, and the automatic charging book That includes a (g) step of storing automatic charging completion information received from the portable terminal to automatically charge DB.

According to the present invention as described above, when the balance in the USIM card embedded in the mobile terminal is changed to less than the reference amount, the predetermined amount is subtracted from the balance of the user's bank account, the deducted amount of the USIM embedded in the mobile terminal By automatically adding to the balance in the card, the user has the effect of automatically replenishing the balance in the USIM card through account transfer without having to move to a place equipped with a means of charging with the cash on hand to charge the balance in the USIM card. have.

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, the terms or words used in the present specification and claims are defined in the technical spirit of the present invention on the basis of the principle that the inventor can appropriately define the concept of the term in order to explain his invention in the best way. It should be interpreted to mean meanings and concepts. It is to be noted that the detailed description of known functions and constructions related to the present invention is omitted when it is determined that the gist of the present invention may be unnecessarily blurred.

1 is a block diagram showing a mobile terminal automatic charging system (S) through the account transfer according to the present invention, Figure 2 is an automatic charging subscription / information according to the mobile terminal automatic charging system (S) through the account transfer of the present invention Figure 3 is a view showing the relationship between the components when changing, Figure 3 is a view showing the relationship between the components during automatic charging according to the automatic charging system (S) of the mobile terminal through the bank transfer of the present invention.

As shown, the present invention includes a mobile terminal 100, an automatic charging wireless server 200, a bank wireless server 300, a bank server 400, and an automatic charging server 500.

Hereinafter, the description will be omitted, but the information transmission between the mobile terminal 100, the automatic charging wireless server 200, the bank wireless server 300, the bank server 400, and the automatic charging server 500 according to the present invention is It is assumed to be made through an information and communication network including wired and wireless networks.

First, the mobile terminal 100 is a subscription application information (hereinafter 'subscription application information') and USIM (Universal Subscriber Identity Module) and subscription information of the mobile terminal automatic charge balance charging service through the account transfer received according to the user's key input signal Send the USIM card identification number embedded in the card 110 to the automatic charging wireless server 200, and transmits the changed subscription application change information to the automatic charging server 500 through the user's UI operation, automatic charging wireless server ( 200 and receives the subscription application complete information and the subscription application change complete information and stores in the USIM card (110).

In addition, when the charge balance stored in the USIM card 110 is changed to less than the reference amount included in the subscription application completion information, the mobile terminal 100 requests to charge the amount corresponding to the charge amount included in the subscription application completion information. Generating information (hereinafter referred to as 'automatic charging request information') and transmitting the automatic charging amount information received from the automatic charging server 500 to the charging balance stored in the USIM card 110. The automatic charging completion information generated by the update is transmitted to the automatic charging server 500.

The automatic charging wireless server 200 transmits the subscription request information received from the connected mobile terminal 100 and the USIM card identification number to the bank wireless server 300 and completes the subscription request received from the bank wireless server 300. The information is transmitted to the mobile terminal 100 and the automatic charging server 500, and the subscription application change completion information received from the automatic charging server 500 is transmitted to the portable terminal 100.

The bank wireless server 300 transmits the subscription application information and the USIM card identification number received from the automatic charging wireless server 200 to the bank server 400 and automatically charges the subscription application completion information received from the bank server 400. Transmit to the wireless server 200.

Bank server 400 receives the USIM card identification number and subscription application information from the bank wireless server 300, account information matching the user account number included in the subscription application information from the account DB 410, and automatic charging Read the amount, and generates a subscription request complete information for subtracting the automatic charge amount set at the time of receiving the automatic charge request information later from the balance included in the account information, and stores in the account DB (410), the generated subscription request completed The information is transmitted to the bank wireless server 300.

In addition, the bank server 400 receives the subscription application change information from the automatic charging server 500, updates the subscription application complete information stored in the account DB (410) to generate the subscription application change complete information, generated subscription application The change completion information is transmitted to the automatic charging server 500.

Then, the bank server 400 receives the charge transfer request information from the automatic charging server 500, and reads the account information corresponding to the user account number from the account DB 410 to charge from the balance contained in the account information The charge amount transfer completion information generated by subtracting the amount is transmitted to the automatic charge server 500, the charge amount is transferred to the automatic charge server 500, and the account information stored in the account DB 410 is updated.

The automatic charging server 500 stores the subscription application completion information received from the automatic charging wireless server 200 in the automatic charging DB 510, and changes the subscription application change information received according to the user's key input signal. Received from) and transmits to the bank server 400, and stores the subscription change complete information received from the bank server 400 in the automatic charging DB (510) and transmits it to the automatic charging wireless server 200.

In addition, the automatic charging server 500 indexes the subscription request completion information corresponding to the automatic charging request information received from the mobile terminal 100 from the automatic charging DB (510), transfer of the amount of charge included in the subscription application complete information Generates information (hereinafter referred to as 'charge amount transfer request information') and sends it to the bank server 400, and receives the charge amount transfer completion information from the bank server 400 and receives the charge amount and automatically charges it. Store in the DB 510, transmit the automatic charge amount information generated according to the transfer of the charge amount to the mobile terminal 100, and stores the automatic charge complete information received from the mobile terminal 100 in the automatic charge DB (510) do.

Hereinafter, with reference to Figure 4 looks at the process for the automatic charging subscription of the mobile terminal automatic charging method through account transfer according to the present invention.

First, the mobile terminal 100 transmits the subscription application information and the USIM card identification number received according to the user's key input signal to the bank server 400 via the automatic charging wireless server 200 and the bank wireless server 300. (S10).

Subsequently, the bank server 400 receives the subscription application information and the USIM card identification number, and reads the account information and the automatic charge amount corresponding to the user account number included in the subscription application information from the account DB 410 (S20). .

Subsequently, the bank server 400 generates the subscription application completion information for subtracting the automatic charging amount set at the time of receiving the automatic charging request information from the balance included in the account information and stores it in the account DB 410 and the bank wireless server. Via 300 and the automatic charging wireless server 200 is transmitted to the mobile terminal 100 and the automatic charging server 500 (S30).

Then, the mobile terminal 100 stores the subscription application completion information received in the USIM card 110 and stores the subscription application completion information received by the automatic charging server 500 in the automatic charging DB 510 (S40). .

On the other hand, with reference to Figure 5 looks at the automatic charging process of the mobile terminal automatic charging method through account transfer according to the present invention.

First, the mobile terminal 100 determines whether the charging balance stored in the USIM card 110 is changed to less than a reference amount included in the subscription application completion information (S50).

As a result of the determination in step S50, when the charge balance stored in the USIM card 110 is changed to less than the reference amount included in the subscription application complete information, the mobile terminal 100 corresponds to the charge amount included in the subscription application complete information. Automatic charge request information for requesting the charge of the amount is generated and sent to the automatic charge server 500 (S60).

Subsequently, the automatic charging server 500 indexes the subscription request completion information corresponding to the automatic charging request information received from the automatic charging DB 510 and transfers the charge amount for requesting the transfer of the charge amount included in the subscription application completion information. The request information is generated and transmitted to the bank server 400 (S70).

Afterwards, the bank server 400 reads the account information corresponding to the user account number from the account DB 410, and automatically recharges the charge amount transfer completion information generated by subtracting the charge amount from the balance included in the account information. And transmits the charged amount to the automatic charging server 500 and updates the account information stored in the account DB 410 (S80).

Subsequently, the automatic charge server 500 receives the charge amount transfer completion information from the bank server 400, receives the charge amount and stores the charge amount in the automatic charge DB 510, and generates the automatic charge amount information according to the charge amount transfer. Is transmitted to the mobile terminal 100 (S90).

Subsequently, the mobile terminal 100 automatically adds the automatic charging completion information generated by adding the automatic charging amount information received from the automatic charging server 500 and the amount corresponding to the charging balance stored in the USIM card 110 to update the automatic charging completion information. The server 500 transmits the data to the server 500 (S100).

In addition, the automatic charging server 500 stores the automatic charging completion information received from the mobile terminal 100 in the automatic charging DB (510) (S110).

And, with reference to Figure 6 looks at the process of changing the automatic charging subscription information of the automatic charging method of the mobile terminal through account transfer according to the present invention.

After the step S40, when the automatic charging server 500 receives the subscription request change information according to the user's key input signal, it transmits the received subscription request change information to the bank server 400 (S120).

Subsequently, the bank server 400 updates the subscription application completion information stored in the account DB 410 to generate subscription application change completion information (S130).

Subsequently, the automatic charging server 500 receives the subscription request change completion information from the bank server 400 and stores it in the automatic charging DB 510 and transmits it to the mobile terminal 100 via the automatic charging wireless server 300. (S140).

Then, the mobile terminal 100 updates and stores the subscription request change complete information received in the subscription request complete information stored in the USIM card 110, and performs the procedure in step S50 (S150).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as such, it departs from the scope of the technical idea It will be apparent to those skilled in the art that many modifications and variations can be made to the present invention without this. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

1 is a block diagram showing a mobile terminal automatic charging system (S) through an account transfer according to the present invention.

Figure 2 is a view showing the relationship between the components at the time of automatic charging subscription / information change according to the mobile terminal automatic charging system (S) through the account transfer of the present invention.

Figure 3 is a view showing the relationship between the components when the automatic charging according to the automatic terminal automatic charging system (S) through the account transfer of the present invention.

Figure 4 is a flow chart illustrating the automatic charging subscription application process of the mobile terminal automatic charging method through account transfer according to the present invention.

Figure 5 is a flow chart showing the automatic charging process of the automatic charging method of the mobile terminal through the account transfer according to the present invention.

Figure 6 is a flow chart illustrating a process of changing the automatic charging subscription information of the mobile terminal automatic charging method through account transfer according to the present invention.

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

S: Mobile terminal automatic charging system through bank transfer

100: mobile terminal 110: USIM card

200: automatic charging wireless server 300: bank wireless server

400: bank server 410: account DB

500: automatic charging server 510: automatic charging DB

Claims (8)

In the mobile terminal automatic charging system through account transfer,  Subscribe to the bank server with the subscription application information (subscription application information) and the USIM card identification number embedded in the USIM (Universal Subscriber Identity Module) card through the account transfer received according to the user's key input signal. Transmit and receive the subscription request completion information from the automatic charging wireless server, and store it in the USIM card, and when the charge balance stored in the USIM card is changed to less than the reference amount included in the subscription request complete information, the subscription request is completed. Generate the information (autocharge request information) requesting the charge of the amount corresponding to the charge amount included in the information and send it to the autocharge server, and the charge information stored in the USIM card the autocharge amount information received from the autocharge server A portable terminal for transmitting the automatic charging completion information generated by adding to the balance to the automatic charging server; Receives the subscription request information and USIM card identification number, and reads the account information and the automatic charge amount corresponding to the user account number included in the subscription request information from the account DB, the automatic charge set when receiving the automatic charge request information later Generate the subscription application complete information to subtract the amount from the balance contained in the account information, store in the account DB, and transmit the generated subscription application complete information to the mobile terminal and the automatic charging server, the automatic charging server Receive the charge transfer request information from the account information, and read the account information matching the user account number from the account DB, the charge amount transfer completion information generated by subtracting the charge amount from the balance contained in the account information to the automatic charging Send to the server, transfer the recharge amount to the automatic charging server and stored in the account DB A bank server for updating account information; And Storing the subscription application completion information in the automatic charging DB, indexing the subscription application completion information corresponding to the automatic charging request information received from the mobile terminal from the automatic charging DB, and transferring the charges included in the subscription application completion information. Generates a charge amount transfer request information requesting and sends to the bank server, receives the charge amount transfer completion information from the bank server, receives the charge amount and stores it in the automatic charging DB, generated according to the charge amount transfer An automatic charging server for transmitting the automatic charging amount information to the portable terminal and storing the automatic charging completion information received from the portable terminal in the automatic charging DB; Mobile terminal automatic charging system through the account transfer, comprising a. The method of claim 1, An automatic charging wireless server which transmits the subscription request information and the USIM card identification number to the bank wireless server, and transmits the subscription request completion information received from the bank server to the mobile terminal and the automatic charging server; And A bank wireless server which transmits the subscription request information and the USIM card identification number received from the automatic charge wireless server to the bank server and transmits the subscription request complete information received from the bank server to the automatic charge wireless server; Mobile terminal automatic charging system through the account transfer, comprising a. The method of claim 1, The mobile terminal, Receiving a subscription request change complete information from the automatic charging server, the mobile terminal automatic charging system through the account transfer, characterized in that stored in the USIM card and updated. The method of claim 1, The bank server, Receiving the subscription application change information from the automatic charging server to update the subscription application complete information stored in the account DB, and transfer the subscription application change complete information generated by the update to the automatic charging server, characterized in that Mobile terminal automatic charging system through. The method of claim 1, The automatic charging server, The mobile terminal through the account transfer, characterized in that for transmitting the subscription request change information received in accordance with the user's key input signal to the bank server, and storing the subscription request change complete information received from the bank server in the automatic charge DB. Automatic charging system. In the automatic charging method of the mobile terminal through the account transfer, (a) determining, by the mobile terminal, whether the charging balance stored in the USIM card is changed to less than a reference amount included in the subscription application completion information; (b) if the charge balance stored in the USIM card is changed to less than the reference amount included in the subscription request information, the mobile terminal corresponds to the charge amount included in the subscription request information; Generating automatic charging request information for requesting the charging of an amount to be transmitted to an automatic charging server; (c) indexing the subscription request completion information corresponding to the automatic charging request information received by the automatic charging server from the automatic charging DB, and charging fee transfer request information requesting the transfer of the charged amount included in the subscription request complete information; Generating and transmitting to the bank server; (d) the bank server reads the account information corresponding to the user account number from the account DB and sends the charge amount transfer completion information generated by subtracting the charge amount from the balance included in the account information to the automatic charging server. And transferring the charge amount to the automatic charging server and updating the account information stored in the account DB. (e) The automatic charge server receives the charge amount transfer completion information from the bank server, receives the charge amount and stores it in the automatic charge DB, and stores the automatic charge amount information generated according to the charge amount transfer. Transmitting to a terminal; (f) transmitting, to the automatic charging server, the automatic charging completion information generated as the portable terminal adds and updates the automatic charging amount information received from the automatic charging server to the charging balance stored in the USIM card. step; And (g) storing, by the automatic charging server, the automatic charging completion information received from the portable terminal in the automatic charging DB; Mobile terminal automatic charging method through the account transfer comprising a. The method of claim 6, Before step (a), (h) transmitting, by the portable terminal, the subscription application information and the USIM card identification number received according to a user's key input signal to the bank server via an automatic charging wireless server and a bank wireless server; (i) receiving, by the bank server, the subscription request information and the USIM card identification number, and reading the account information and the automatic charge amount corresponding to the user account number included in the subscription request information from the account DB; (j) the bank server generates subscription application completion information for subtracting the automatic charging amount set when the automatic charging request information is received from the balance included in the account information, and stores it in the account DB; Transmitting to the mobile terminal and the automatic charging server via a charging wireless server; And (k) storing the subscription application completion information received by the mobile terminal in the USIM card and storing the subscription application completion information received by the automatic charging server in the automatic charging DB; Mobile terminal automatic charging method through the account transfer comprising a. The method of claim 7, wherein After step (k), (l) when the automatic charging server receives the subscription request change information according to the user's key input signal, transmitting the received subscription request change information to the bank server; (m) transmitting, by the bank server, the subscription request change complete information generated by updating the subscription request completion information stored in the account DB to the automatic charging server; (n) receiving, by the automatic charging server, the subscription request change completion information from the bank server and storing it in the automatic charging DB, and transmitting the information to the mobile terminal via the automatic charging wireless server; And (o) updating and storing the subscription request completion information stored in the USIM card as the subscription request change complete information; Mobile terminal automatic charging method through account transfer, characterized in that consisting of.

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