KR20170119276A - Server system of accumulating changes in mobile phone - Google Patents

Abstract

The present invention relates to a method and apparatus for saving money in a mobile communication terminal equipped with an app program and connecting to a dedicated terminal at the time of settlement, The present invention relates to a change server system and a method of operating a change server system in which change money is accumulated in a portable terminal having convenience in use by not carrying a change management application program. In the range of the settlement amount recorded in a specifically selected coin purse frame A change portable terminal for recording the accumulated amount on the day when the change request is made, the accumulated amount on the day of the change, and the usage history generated by the transaction, in a specially selected coin purse frame; A wireless connection is made using a short distance communication method, a coin purse frame is received, a settlement process is performed according to a settlement request within a confirmed settlement amount range, a change amount generated on the same day is recorded in a coin purse frame as a usage date, terminal; The coin purse frame table is set so that the coin purse frame selected for each of the specific coin purse frames, which are different in date, different from each other, And a change management server provided for generating and managing the change management server.

Description

Technical Field [0001] The present invention relates to a server system for accumulating change in a mobile terminal,

The present invention relates to a change server system in which change money is accumulated in a portable terminal, and more particularly, to a change server system in which change change due to change in a cash payment process of a general commercial transaction is accumulated in a mobile communication terminal equipped with an application program, The present invention relates to a change server system in which a change is saved in a portable terminal having convenience in use due to a reduction in circulation of the change money, a contribution to the national economy, and a lack of change.

In the case of commerce in a general market with a store or offline commerce, if the transaction is paid in cash, the change may occur. The change in the change due to the change is stored in the individual's pocket, It is not easy to carry by weight and sound, and it is easily lost, and when the change is stored in a separate place, it is not used well, and it is general that valuable resources are used or the utilization is lowered.

In particular, when the change due to the change is small, it is returned by a coin or the like, and it is not easy to settle a commodity transaction with only a coin of a small amount of money by the difficulty of storing, moving, and counting a coin. May tend not to pay for the commodity price using only such change.

As a conventional technique for solving the problem of such small change, Korean Patent Registration No. 10-1124592 (Feb. 29, 2012) discloses " a method of using an accumulation server for accumulating small change and an accumulated small change " .

FIG. 1 is a diagram illustrating a functional configuration of a change deposit system according to an embodiment of the prior art.

Hereinafter, the configuration of the related art will be described in detail with reference to the accompanying drawings. The details of the configuration of the related art will be described as follows: The earning server 100, the affiliate offline shop terminal 200, the affiliate online site server 300, the unattended donation donation 400, And a terminal 500.

The accumulation server 100 records the deposited change and performs member authentication and settlement processing for use of the accumulated change. The affiliate offline shop terminal 200 is a terminal for accumulating and settlement of coins of an affiliate store subscribed to the change deposit service, and is an independent PC terminal installed with the program, an online connected terminal, or a credit card payment terminal. The affiliate online site server 300 is a server for providing a change deposit service. Unattended Redemption Donation (400) is a composition that collects the change money to be donated because it is recorded together with the cell phone number when the donation is made without donating the change money. The subscriber-member personal terminal 500 receives the subscriber's details and authentication and settlement information, which are transmitted from the accumulation server 100, using the mobile phone.

In the related art, when the accumulation server 100 records and manages the change amount and accumulated amount of the subscriber's personal terminal 500, it receives the primary authentication request using the ID and the mobile phone number, And transmits the sentence-type OTP password corresponding to the authentication information to the subscriber-member personal terminal 500. The earning server 100, which confirms that the transmitted secondary authentication information is input to the affiliate online site server 300, is configured to settle the amount requested by the affiliate online site server 300.

In this prior art, settlement is performed when SMS communication is performed in real time between the earning server 100 and the subscriber-member personal terminal 500. Therefore, when a mobile communication cost occurs at the time of settlement and there is a wireless communication failure or a mobile communication service is smooth There is still a problem that the settlement can not be smoothly carried out in a store located in an underground shopping mall in a shaded area or in a deep interior of a large building.

In addition, since the second authentication process is performed, the settlement process is relatively complicated, and there is a problem that the probability of error occurrence is high, the process time for connection can be long, and maintenance is relatively difficult.

Therefore, it is necessary to develop a technology that does not use real time mobile communication using SMS, so that even if there is a wireless communication failure, the settlement processing is quick and accurate, the settlement processing process is relatively complicated, and maintenance is simple.

Korean Patent Registration No. 10-1124592 (Feb. 29, 2012) " A server for accumulating change money and a method for using the change money "

In order to solve the problems and necessities of the related art as described above, according to the present invention, it is possible to quickly and accurately accumulate recorded change even in an area where mobile communication service is unstable by using the mobile communication portable terminal, And to provide a change server system in which change money is accumulated in a portable terminal that can be used in the same manner as the change server system.

In order to achieve the above object, a change server system in which change money is accumulated in a portable terminal according to the present invention, which has been devised, downloads and manages a latest change management application program, A change portable terminal for recording the accumulated amount on the day when the change request is made, the accumulated amount on the day of the change, and the usage history generated by the transaction, in a specially selected coin purse frame; The coin purse frame is wirelessly connected to the exchange mobile terminal by a short-range communication method, receives the coin purse frame selected specifically, processes payment by a settlement request in the range of the analyzed payment amount, A change store terminal for recording the same usage history and transmitting the same to the portable change terminal; And the change mobile terminal and the change shop terminal, respectively, to confirm the operating version of the change management app, to download the latest version, to download and store one or more coin purse frames, A change management server for generating and providing a coin wallet frame table so that a coin purse frame selected for transmission and reception is selected and used; . ≪ / RTI >

A change money site server for controlling and managing the settlement request amount specified in the change store terminal according to a corresponding control signal of the change money management server; As shown in FIG.

A mobile communication radio unit connected to the mobile communication network for receiving the change management app and transmitting and receiving information including the coin purse frame per month; A change mobile terminal control unit connected to the mobile communication radio unit and outputting and monitoring a corresponding control signal for controlling each functional unit of the mobile change mobile terminal; And a control unit for controlling at least one selected from a WiFi, a Bluetooth, a beacon, an infrared ray, a ZigBee, an NFC, an RFID, an electronic tag, a smart tag, an electronic label, A terminal short range communication unit for transmitting a settlement request signal by operating in an active state simultaneously and transmitting and receiving the coin purse frame for transmission and reception, respectively; A GPS receiver for receiving a GPS signal by a corresponding control signal of the portable mobile terminal control unit, analyzing first coordinate information by the GPS and receiving second GPS information and analyzing second coordinate information by the GPS receiver; The coin purse frame table which is transmitted by the change management server by the control signal of the change mobile terminal control unit and is organized in units of weeks and divided by one unit is stored in the allocated area Coin purse frame table part; A cumulative change amount recording unit for recording and outputting information including the settlement amount recorded in the coin purse frame, the cumulative amount of the same day and the use details of the same day in the assigned region by the corresponding control signal of the change mobile terminal control unit; A coin purse frame conversion / decryption unit for inputting a corresponding control signal of the exchange mobile terminal control unit, analyzing and analyzing the received coin purse frame, reading the recorded and confirmed information, and converting and transmitting information to be transmitted to the coin purse frame; And an app operating unit operable to record and install the change management application received from the change management server in the allocated area according to a corresponding control signal of the change mobile terminal control unit; . ≪ / RTI >

The change management server accesses the change mobile terminal and the change shop terminal, records the change management apps to be transmitted, records the versions of the change management apps, and downloads and manages the change management apps in a streaming manner according to the control signals. A change management server control unit connected to the application management communication unit and outputting and monitoring corresponding control signals for controlling the respective functional units of the change management server; The coin purse frame classified by the week by the corresponding control signal of the change management server control unit is specified and generated by the monthly transmission and reception coin purse frame table and recorded and stored in the allocated area, A coin purse frame table generating unit for transmitting the coin purse frame table to the mobile terminal and the change shop terminal at the end of each month; The amount of customer accumulated change amount for recording and storing information including the settlement amount, the accumulated amount on the same day, and the use history of the day received from the change mobile terminal and the change store terminal, respectively, in the allocated area by the corresponding control signal of the change management server control unit A recording section; And the change control server control unit receives the corresponding control signal, analyzes and decodes the coin purse frame received from the change mobile terminal and the change store terminal, reads the recorded and confirmed information, and transmits information to be transmitted to the coin purse frame Conversion coin purse frame conversion decryption unit; . ≪ / RTI >

Wherein the change store terminal comprises: a terminal communication unit for communicating with the change management server via a public communication network, receiving the change management application, and transmitting and receiving information including the coin purse frame table in a monthly unit; A change store terminal control unit connected to the terminal communication unit and outputting and monitoring a corresponding control signal for controlling each function unit of the change store terminal; The control unit of the redemption terminal control unit controls the redemption terminal to select one or more selected from Wi-Fi, Bluetooth, beacon, infrared, ZigBee, NFC, Radio Frequency Identification (RFID), electronic tag, smart tag, A terminal short-range communication unit for receiving a settlement request signal by operating the mobile phone in a simultaneous activation state corresponding to the mobile change terminal and transmitting and receiving the coin purse frame for transmission and reception, respectively; A coin purse frame conversion / decoding unit for inputting a corresponding control signal of the change store terminal control unit, analyzing and decoding the received coin purse frame, reading the recorded and confirmed information, and converting and transmitting information to be transmitted to the coin purse frame; And a settlement processing record unit for receiving the control signal of the change store terminal control unit and recording the transaction details of the day due to the settlement request of the change exchange portable terminal and the payment information processing the change money, ; . ≪ / RTI >

Wherein the coin purse frame comprises: a start field area consisting of two words in which information on the start of the coin purse frame, a transmission start time, a destination, coordinate information, and destination information are recorded; First to seventh field areas in which information including the settlement amount, the accumulated amount on the same day and the usage history of the same day is recorded or kept in blank and is composed of 3 words; First to third copy field areas in which the information including the settlement amount, the accumulated amount on the same day, and the usage history of the same day is overwritten or kept blank and the information is composed of 5 words; A program for generating a retransmission request signal of the coin purse frame is recorded if it is difficult to recover the information transmitted from the coin purse frame by using a CRC A check field area consisting of 10 words; An end field area in which information on the end of the coin purse frame, a transmission end time, a stop route, coordinates information, and a number of written bits are recorded and is composed of two words; One word is made in units of 25 bytes, and one byte can be made in units of 19 bits.

According to an aspect of the present invention, there is provided a method of operating a change server system in which change money is accumulated in a portable terminal of the present invention, the change server system including: a change mobile terminal, a change store terminal, a change management server, The change server system according to the present invention is a method of operating a change server system in which a change control signal for operating a change management application is input by the change change mobile terminal, Downloading, recording, installing and operating the first step; A second step of recording and storing the amount of change generated when the change signal is received from the change store terminal in a cumulative state accumulation recording module built in the same day as the corresponding signal indicating that the change is generated by the change mobile terminal; If it is determined that the cycle time of the unit specified by the change mobile terminal has arrived, converts the information recorded in the cumulative change amount recording unit including the built-in accumulated day cumulative value recording module into the coin purse frame, ; If it is determined by the change mobile station that the corresponding signal indicating that the authentication is completed is received from the change management server, information including the settlement amount is received and analyzed in the coin wallet frame, A fourth step of recording and storing; And if it is determined that a corresponding control signal for settlement with the settlement amount recorded by the portable change terminal is input, converts the information recorded in the cumulative change amount recording unit into the coin purse frame and transmits the converted coin wallet frame to the change store terminal, A fifth step of receiving and analyzing information, which has been paid out and deducted from the store terminal, in the coin purse frame, recording the result in the cumulative change accumulating unit, and feeding back to the second step; . ≪ / RTI >

The present invention having the above-described configuration uses a mobile terminal equipped with a latest version of an application to periodically update in a shaded area of a mobile communication service in association with a financial site server, Is fast and accurate, there is little fear of trouble, and maintenance is relatively easy.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a functional configuration of a change deposit system according to an embodiment of the prior art;
FIG. 2 is a functional configuration diagram of a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention;
3 is a detailed explanatory diagram of a functional configuration of a change-over mobile terminal constituting a change server system in which change money is accumulated in a mobile terminal according to an embodiment of the present invention;
4 is a detailed functional configuration diagram of a change store terminal constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention.
5 is a detailed functional configuration diagram of a change management server constituting a change server system in which change money is accumulated in a mobile terminal according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a field configuration of a coin purse frame transmitted and received in a change server system in which change data is accumulated in a portable terminal according to an embodiment of the present invention;
FIG. 7 is a diagram illustrating a signal flow for operating a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention;
FIG. 8 is a flowchart illustrating an operation method of a change-over portable terminal constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention; FIG.
FIG. 9 is a flowchart illustrating an operation method of a change store terminal constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention; FIG.
And
10 is a flowchart illustrating an operation method of a change management server constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and will be described in detail in the detailed description. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

In the following description, the transmission and reception are described as contents to be transmitted to another configuration based on a specified configuration and received from another configuration. The coordinate information and the position information are the same meaning, and they are selectively used suitably for the context. Includes the transaction details of the day, and the output and transmission are the same, and it is used selectively in accordance with the door jack. On the other hand, in some contexts, "change" is described as "coin purse", and information, data and signals are used in the same sense, but they are used selectively in accordance with the context. Selection and designation are the same meaning. Can be used.

FIG. 2 is an explanatory diagram illustrating a functional configuration of a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention. FIG. 3 illustrates a change server FIG. 4 is a detailed explanatory diagram of a detailed functional configuration of a change store terminal constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention; FIG. FIG. 5 is a detailed functional configuration diagram of a change management server constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention. FIG. FIG. 8 is a diagram illustrating a field configuration state of a coin purse frame transmitted and received in a change server system in which change money is accumulated in a terminal.

Hereinafter, a change server system 900 in which change data is accumulated in a portable terminal will be described in detail with reference to all the accompanying drawings. The change server 1000, the change store terminal 2000, the change management server 3000, A server 4000, a mobile communication network 5000, and a public communication network 6000.

The change change mobile terminal 1000 downloads the latest change version app program (program, S / W) from the change change management server 3000 in a streaming manner, records it in the allocated area, And operates in an active state. The change mobile terminal 1000 requests payment in the range of the settlement amount recorded in the specially selected coin purse frame, records the accumulated amount on the day of change accumulation and the date of use generated by the transaction in a specially selected coin purse frame Or transmits.

A mobile terminal 1000 is a mobile terminal for mobile communication, which is subscribed to the mobile communication network 5000 and communicates with a desired mobile terminal by wireless connection while moving freely in a mobile communication service area. The mobile terminal 1000 includes a smart phone, a dedicated data terminal, a notebook, It is quite natural that it can be included.

An application is a kind of application program or program and is also called an application or an applet. It is used in a wide variety of application fields, and includes a CPU, a memory and other related functions (Resource) performance is used mainly to refer to small capacity applications used in small or low-level notebooks, data terminals, smart phones, and the like. In addition, the application (app) has a wide variety of applications and a large number of types, so it is common that a user or a developer arbitrarily assigns an easy-to-name name suitable for an application field. Therefore, the name of the app used in the present invention will be referred to as a change management app.

A frame is a means for facilitating transmission / reception, recording, storing, searching, etc. by inserting data or information to be transmitted into a format or a frame formatted in a certain size. On the other hand, the size of a frame can be determined by an arbitrary size by a developer or the like. Writing to a frame means converting or encrypting to a frame, and extracting information recorded in a frame means the same as decryption or decryption do. Recording of information in a frame is advantageous in that the recorded information can not be extracted because it can not be decrypted or decrypted if the size of the frame is not known even if the frame information is acquired unjustly by another person, . The frame generally consists of a plurality of field regions, each field can be given a specific name by the content of the information to be recorded, and a specific name can be given according to the technical field or purpose in which the frame is used. In the present invention, Wallet frame '.

The coin purse frame includes a start field area, first to seventh field areas, first to third copy field areas, a check field area, and an end field area. 2 words are allocated to the start field area, 3 words are allocated to each of the first to seventh field areas, 5 words are assigned to the first to third copy field areas, 10 words are allocated to the check field area, And 2 words are allocated to the end field area, so that a total of 50 words are allocated. One word in the coin purse frame is composed of 25 bytes (byte), and one byte is composed of 19 bits (bit). A bit is a minimum unit of digits representing 0 and 1 in a digital signal.

The starting field area includes information or data indicating the location where the coin purse frame starts and the time at which the coin purse frame was created and geographical information of the dispatch location, coordinate information of the dispatch destination, Internet port information of the dispatch destination, Information, and a frame mode are recorded.

Information to be transmitted or received is recorded in any one field region selected from among the first to seventh field regions, and the information to be recorded includes the settlement amount information, the accumulated amount information on the day, and the information on the use (transaction) on the same day. Unselected field areas are left blank (blank). That is, any one of the first to seventh field regions can be selected, so that seven frame modes can be formed by selecting the field region.

Information to be transmitted or received is copied and repeatedly recorded in the same one copy field area selected from the first to third copy field areas. The unselected copy field area remains blank. The reason for repeated recording is to reduce the transmission error, thereby increasing the transmission success rate. Meanwhile, since any one of the first to third copy field areas can be selected, three frame modes can be formed by selecting the copy field area.

Therefore, a total of 21 frame modes can be formed by the combination of the three frame modes by selecting the 7 frame mode and the copy field field by selecting the field region. Therefore, on the receiving side, if the transmitted frame mode is not known, the recorded information can not be read or extracted, thereby increasing the security.

The check field area is used to check and repair the information transmitted and recorded in the coin purse frame using a chech redundancy check (CRC) check method to check whether an error is included in transmission, If it is determined that the transmission error that can not be overcome by the self-recovery over the two steps is included, a signal for requesting retransmission of the coin purse frame is generated by the built-in and generally known program.

The end field area includes information for ending the coin purse frame, information about the transmission end time, time information for arriving at the destination, waypoint information recorded in the course of being transmitted, Internet port information, geographical information and coordinate information of the waypoint, And geographic information and coordinate information.

The mobile station 1000 includes a mobile communication radio unit 1010, a change mobile terminal control unit 1020, a terminal local communication unit 1030, a GPS LBS unit 1040, a coin purse frame table unit 1050, A recording unit 1060, a coin purse frame conversion / decryption unit 1070, and an application operating unit 1080.

The mobile communication radio unit 1010 wirelessly connects to the mobile communication network 5000, receives the change management app, and transmits and receives (communicates) various information with the coin purse frame in the mode specified for each month unit. Herein, the mode of the coin purse frame designated for each date is divided into a coin purse frame for transmission and reception even when the same date is specified, and each coin purse frame mode is a mode for specifying one of the 21 coin purse frame modes described in the above coin purse frame Quot; coin purse " That is, the coin purse frame is made up of any one of the 21 coin purse frame modes, and is applied in the following description in the same manner.

The portable mobile terminal control unit 1020 connects to the mobile communication radio unit 1010 and outputs and monitors corresponding control signals for controlling the functional units provided in the portable mobile terminal 1000, respectively.

The terminal local communication unit 130 transmits the control signals to the radio communication terminal 1020 via the WiFi, bluetooth, beacon, infrared, Zigbee, NFC (Near Field Communication), RFID A coin purse frame for transmitting and receiving and transmitting a settlement request signal by simultaneously operating at least one selected from a Radio Frequency IDentification (RFID), an electronic tag, a smart tag, an electronic label, Transmit and receive, respectively. WiFi, bluetooth, infrared, Zigbee, and Near Field Communication (NFC) communications technologies are well known and will not be duplicated. In addition, RFID, electronic tag, smart tag, electronic label, and wireless identification may have the same meaning, but it is one of the well-known technologies to be used as it is to describe diversity.

Here, beacon is a term used in the bluetooth field. IBeacon defined by Apple uses radio frequency (RF) of 2.4GHz band which is ISM band, and FLE (Find Me Profile) and PXP Proximity Profile). The beacon is a simple structure that calculates the proximity with the RSSI (Receive Signal Strength Indication), and enables battery operation with low power consumption. By way of example, the coin cell battery can operate for more than one year and the duration of operation can vary depending on the signal output and period. Therefore, the beacon does not require a separate operation power supply configuration and can be manufactured in a small size of a coin, so that it can be easily applied to a variety of indoor and outdoor environments. Positioning by beacon signal can be precise measurement with error level of about 5cm, and the signal reaching distance can be extended to the straight line distance of 50m according to the output setting. Hereinafter, the beacon scheme and the Bluetooth scheme will be described and described with different configurations.

The GPS receiver 1040 receives the GPS signal from the GPS satellite that revolves on the earth orbit based on the corresponding control signal of the coordinator portable terminal controller 102 and analyzes the GPS signal information included in the GPS signal, . In addition, the GPS receiver 1040 receives an LBS signal provided from the mobile communication network 5000 and analyzes and extracts the second coordinate information by the LB.

The mobile communication network 5000 recognizes the current location of each registered mobile terminal on the basis of a base station and provides a location based service (LBS) .

The location-based service (LBS) analyzes a received signal strength (RSSI) of a signal received from a corresponding mobile terminal in a neighbor base station (BS) to which each mobile terminal wirelessly connects and analyzes positional information ), And it is known as a technique which is more accurate than position information using GPS because it utilizes accurate position information of a base station (BS) constituting a mobile communication network.

Here, the change mobile terminal control unit 1020 may use any one of the first coordinate information and the second coordinate information as the position information, or the first coordinate information and the second coordinate information may be arithmetically averaged to obtain the average coordinate information Can be used. The arithmetic mean calculation is performed in the well-known portable node control unit 1020 in a well-known manner.

The coin purse frame table unit 1050 transmits the mode information of the coin purse frame that is transmitted by the change management server 3000 and is organized on a weekly basis and divided on a daily basis according to a corresponding control signal of the change mobile terminal control unit 1020 Stores the coin purse frame table received on a monthly basis in the allocated area. On the other hand, the coin purse frame for each day is divided into a sender coin purse frame and a receiver coin purse frame, which are recorded and stored, and duplicate descriptions may be omitted because they are applied in the following description.

In the coin purse frame table, corresponding mode numbers for memorizing the coin purse frame mode are recorded differently for each day, and the change mode terminals for the coin purse frame mode are recorded on the coin purse frame table for the corresponding monthly unit transmitted by the change management server 3000 The coin purse frame table is stored. Therefore, when the mobile change terminal 1000 and the change store terminal 2000 communicate using the coin purse frame, the encryption and decryption processes can be performed without error, and the encryption and decryption methods are changed every day, Or the reliability of the money information is ensured and there is no fear that it will be leaked and stolen. The same description is applied to the following description, so that redundant description may be omitted.

The coin purse frame table unit 1050 can record, store, and manage the coin purse frame table information for three months.

The accumulated change amount recording unit 1060 records the settlement amount recorded in the coin purse frame, the information including the accumulated amount on the same day and the use details (transaction) on the same day in the allocated area by the corresponding control signal of the change mobile terminal control unit 1020 And outputs it. Based on the corresponding control signal of the mobile terminal control unit 1020, the settlement amount is recorded and stored in the cumulative amount recording module 1062, the accumulated amount on that day is recorded and stored in the cumulative amount recording module 1064, And stored in the same-day use history module 1066. Here, the settlement amount is the amount authorized by the change management server 3000, and is the amount that the change management server 3000 has confirmed and authorized in a state in which the change amount accumulated and accumulated in the pre-use step can be used for settlement.

The coin purse frame conversion / decryption unit 1070 receives the corresponding control signal of the coordinated portable terminal control unit 1020 and analyzes or decodes the received coin purse frame to confirm or read the information recorded in the received coin purse frame . The coin purse frame conversion / decryption unit 1070 uses the coin purse frame mode specified in the corresponding date of the coin purse frame table unit 1050 for information used for decryption (decryption).

On the other hand, the coin purse frame conversion / decryption unit 1070 writes or converts (encrypts) information to be transmitted to a specific counterpart to the coin purse frame for transmission. The coin purse frame conversion / decryption unit 1070 uses the information used for encryption in the coin purse frame mode designated by the corresponding date in the coin purse frame table unit 1050, while the transmission / And control and monitoring of the control unit 1020.

The app operating unit 1080 records and manages the change management application received from the change management server 3000 according to the corresponding control signal of the change mobile terminal control unit 1020 in an allocated area to operate it in an activated state. The change management app can be configured to be installed automatically, or controlled to be installed remotely and monitored for operational status.

The redemption store terminal 2000 accesses the redemption management server 3000 via the public communication network 6000 and wirelessly connects to the redemption portable terminal 1000 by a short distance communication method.

The short distance communication method of the redemption store terminal 2000 is the same as the short distance communication method operated in the mobile terminal 1000, and thus the redundant description will be omitted.

The change store terminal 2000 receives and uses the coin purse frame of the mode (specific) selected in the day unit from the change management server 3000 and decodes the password of the previous frame transmitted / received to / from the change mobile terminal 1000 Or encrypted.

That is, the change store terminal 2000 receives and decrypts the coin purse frame transmitted by the change mobile terminal 1000 when the change mobile terminal 1000 requests settlement, and processes the settlement in the range of the settlement allowable amount analyzed and analyzed. On the other hand, the redemption store terminal 2000 records the change amount generated on the same day in the cash transaction as the day's usage details in the coin purse frame specifically designated for the date, and transmits (transmits) the change amount to the redemption portable terminal.

The change shop terminal 2000 includes a terminal communication unit 2010, a change shop terminal control unit 2020, a terminal short-range communication unit 2030, a coin purse frame conversion / decryption unit 2040, and a settlement processing and recording unit 2050.

Since the terminal communication unit 2010 accesses and communicates via the change management server 3000 and the public communication network 6000, the change management application is downloaded or received in a streaming manner and operated in an active state, and a coin purse frame table And transmits and receives various information. Since the public communication network 6000 is composed of a wired network or a wireless network, it is quite natural that the terminal communication unit 2010 should include both a functional unit for connecting to the wired network and a functional unit for connecting to the corresponding wireless network.

The change store terminal control unit 2020 is connected to the terminal communication unit 2010 and outputs a control signal to each functional unit formed in the change store terminal 2000 to control and monitor the operation state thereof.

The terminal short-range communication unit 2030 receives the control signal of the change-shop terminal control unit 2020 and transmits the control signal to the terminal short- System communication function unit is operated in an activated state corresponding to the mobile change terminal 1000 and receives a settlement request signal and transmits and receives the corresponding coin wallet frame for transmission and reception, respectively. The coin purse frame mode of the transmission and reception uses the previous frame table information received from the change management server 3000 and the operation method is the same as that of the mobile change terminal 1000,

The coin purse frame conversion / decryption unit 2040 extracts or confirms or reads the information recorded in the received coin purse frame since the corresponding control signal of the change store terminal control unit 2020 is inputted and the received coin purse frame is decrypted or decrypted. On the other hand, the coin purse frame conversion / decryption unit 2040 records, transforms or encrypts information to be transmitted to a specific counterpart into a coin purse frame. Since this operation method is the same as the operation mode of the change mobile terminal 1000, do.

The settlement processing record unit 2050 receives the corresponding control signal from the change store terminal control unit 2020 and records the transaction details and the change on the day due to the approval request of the change exchange portable terminal 1000 in the change exchange terminal 1000 And records the corresponding settlement information to be processed. Information recorded and recorded in the payment processing record unit 2050 can be transmitted to the change mobile terminal 1000 and the change management server 3000 through the corresponding coin purse frame.

The change management server 3000 accesses the change change portable terminal 1000 and the change change store terminal 2000 to check the change version of the change management application and download and provide the latest version in a streaming manner so that the latest version is installed and operated. Walled frame frame table is created and provided so that a coin purse frame selected and designated for each transmission and reception for each day of the week is selected and used.

The change management server 3000 includes an app management communication unit 3010, a change management server control unit 3020, a coin purse frame table creation unit 3030, a customer cumulative change amount recording unit 3040, a coin purse frame conversion / .

The app management communication unit 3010 records and manages a change management application to be connected to the change mobile terminal 1000 and the change shop terminal 2000, respectively, for each version, and downloads and provides the change management application in a streaming manner according to the corresponding control signal. The redundant description of the configuration according to the operation will be omitted.

The change management server control unit 3020 connects to the app management communication unit 301 and monitors and outputs the corresponding control signals for controlling the respective functional units included in the change management server 3000.

The coin purse frame table generation unit 3030 generates a coin purse frame table by dividing the coin purse frame divided by the week by the corresponding control signal of the change management server control unit 3020 into a coin purse frame table Respectively, and transmits them to the portable change terminal 1000 and the change store terminal 2000, which are connected to the connected change terminal at the specified date of the last day of each month or the end of the last month, respectively. The redundant description of the configuration according to the operation will be omitted.

The customer cumulative change amount recording unit 3040 includes the settlement amount received from the change change portable terminal 1000 and the change change store terminal 2000 according to the corresponding control signal of the change change management server control unit 302, And stores the information in the allocated area. The customer cumulative change amount recording unit 3040 writes and stores the settlement amount in the settlement amount calculation module 3042 and records the accumulated amount on the same day in the cumulative value calculation module 3044 and uses the same day use transaction 3046).

The customer accumulated change amount recording unit 3040 decodes the corresponding coin purse frame information received from the change change portable terminal 1000 and the change change store terminal 2000 and compares the extracted information with each other, And confirms or certifies the use of the same day. The settlement amount thus determined and authenticated is recorded in the coin purse frame and transmitted to the mobile change terminal 1000, so that the change change mobile terminal 1000 records and stores the change amount.

The change money banking site server 4000 controls and manages the change request amount specified in the change store terminal 2000 according to the corresponding control signal of the change management server 3000.

Here, the amount of money requested by the change store terminal 2000 may be an amount paid by the exchange mobile terminal 1000 by offline commerce.

The mobile communication network 5000 may include a plurality of base stations that are operated in any one of the CDMA, the W-CDMA, the TRS, and the SSB, Respectively.

The public communication network 6000 includes both a known wired communication network and a wireless communication network, and provides a communication path by switching.

7 is an explanatory diagram of a signal flow for operating a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention.

The change management server 3000 downloads the change management application program to the change change portable terminal 1000 and the change change store terminal 2000 in a streaming manner (ST1010). Referring to FIG.

The change mobile terminal 1000 may receive a specific point from the change management server 3000 that can be used as cash when the change management application or application is first downloaded.

When the change mobile terminal 1000 recommends a change management application or an application to another change mobile terminal 1000, the change management server 3000 may receive a specific point that can be used as cash. Points specified here may be paid in a differential or limited number of times depending on the recommended number of times. In the case of the change mobile terminal 1000 that receives the recommendation management application or application, the change management server 3000 can receive specific points that can be used as cash. It is quite natural to be able to.

The change management application downloaded and recorded in the change change portable terminal 1000 and the change change store terminal 2000 is automatically installed and operated in an activated state.

The exchange mobile terminal 1000 and the redemption shop terminal 2000 record transaction details obtained by cumulatively processing transaction amounts of money in off-line transactions and generated change amounts, respectively, in the respective allocated areas in operation ST1020.

The change mobile terminal 1000 requests authentication from the change management server 3000 to the change management server 3000 in step ST1030. The mobile terminal 1000 also requests the change in the change transaction history information stored in the change store terminal 2000 (Transmits) or notifies the change management server 3000 (ST1040).

The change management server 3000 checks the generated detail information (settlement amount) while authenticating the transaction details information and confirms the changed form information (form) or information required for the change change portable terminal 1000 and change change store terminal 2000 (ST1050).

The change mobile terminal 1000 records and stores the detailed change information (the settlement amount) received and notified from the change management server 3000 (ST1060) (Step ST1070).

At this time, the small change portable terminal 1000 requests the settlement because it provides the small amount record information (settlement amount) recorded by itself using the coin purse frame.

The redemption store terminal 2000 confirms the descent information (payment amount) of the exchange mobile terminal 1000 received in the coin purse frame (ST1060). Here, the change store terminal 2000 informs the change mobile terminal 1000 of the result of subtracting the settlement result from the selected coin purse frame. This transaction is possible because of the high security of the coin purse frame.

The change mobile terminal 1000 informs the change management server 3000 of the settlement request result by commerce (ST1090), and the change store terminal 2000 notifies the change management server 3000 of the settlement processing result (ST1100) .

The change management server 3000 compares the settlement result information received from the change mobile terminal 1000 and the change shop terminal 2000 with the information on the settlement processing result, and confirms the settlement result (ST1110).

The change management server 3000 requests the remittance financial site server 4000 to remit the settlement amount (ST1120), and the change money site server 4000 transmits the amount to the change store terminal 2000 upon request (ST1130).

FIG. 8 is a flowchart illustrating an operation method of a small change portable terminal constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention.

Hereinafter, a method of operating a change server system in which change money is accumulated in a portable terminal will be described in detail with reference to all the accompanying drawings. It is determined whether or not a corresponding control command signal for operating a change management application is inputted by the change mobile terminal 1000 (S2010).

When it is determined that the corresponding control command signal of the change management application operation is inputted by the change mobile terminal, the change management server 3000 is connected to download the change management application of the latest version in a streaming manner, records the installed change management application, S2020).

If it is confirmed that the change signal is received from the change store terminal (S2030), the change amount is stored in the built-in accumulation day accumulation module 1064 in a cumulative state (S2040) .

If it is determined that the cycle time of the specified unit has arrived (S2050), the mobile changeover terminal converts the information recorded in the cumulative change amount recording unit 1060 including the built-in same-day cumulative amount recording module into a coin purse frame, And requests authentication (S2060).

The cycle time specified here is every one day, and the time is preferably between 0:00 and 4:00 am. It is quite natural that the cycle time can be shortened or increased if necessary.

If it is determined that the mobile phone has received the corresponding signal indicating that the authentication is completed from the change management server (S2070), information including the settlement amount is received and analyzed in the coin purse frame, (S2080).

If it is determined that the corresponding control signal for settlement of the recordable settlement amount is input (S2090), the mobile changeover terminal converts the information recorded in the cumulative change amount recording section into a coin wallet frame and transmits the same to the change store terminal 2000, The information received from the store terminal is subtracted from the coin purse frame, and the received result is analyzed and stored in the accumulated change amount recording unit, and feedback is made to the second step S2040 (S2100).

9 is a flowchart illustrating an operation method of a change store terminal constituting a change server system in which change data is accumulated in a portable terminal according to an embodiment of the present invention.

Hereinafter, a method of operating a change server system in which change money is accumulated in the portable terminal will be described in detail with reference to all the accompanying drawings. When it is determined that a corresponding control command signal for operating the change management application is input by the change store terminal 2000 (S3010), accesses the change management server 3000, downloads the change management application of the latest version in a streaming manner, records the downloaded change management application in the allocated area, and operates the installed change management application (S3020).

If it is determined that the change due to the cash settlement of the commercial transaction has occurred (S3030), the change store terminal converts the generated change amount into the coin purse frame, notifies the mobile terminal of the change amount, and records the transaction as a transaction on the day S3040).

If it is determined that the cycle time of the unit specified by the change shop terminal has arrived (S3050), the built-in day trading details are converted into coin purse frames and transmitted to the change management server (S3060).

If it is determined that the corresponding control signal requesting settlement is received from the exchange mobile terminal (S3070), the change store terminal analyzes the signal received in the coin purse frame to check the settlement amount, (S3080), and records and records the transactions on the same day as transaction details (S3090).

10 is a flowchart illustrating an operation method of a change management server constituting a change server system in which change money is accumulated in a portable terminal according to an embodiment of the present invention.

Hereinafter, a method of operating a change server system in which change data is accumulated in a portable terminal will be described in detail with reference to all the accompanying drawings. The change server 1000 or the change store terminal 2000 is connected by the change server 3000 If it is judged (S4010), the operation state of the change management application is remotely monitored and the latest version is provided as a download, and control and monitoring are performed so as to be automatically updated, installed and operated (S4020).

When it is determined that the corresponding control signal requesting authentication from the change mobile terminal is input by the change management server (S4030), the change mobile terminal receives the corresponding coin wall frame from the change mobile terminal and stores the same in the allocated area (S4040). Then, the mobile terminal authenticates the settlement amount, converts the information including the authorized settlement amount into a coin wallet frame, and transmits the converted coin wallet frame to the change mobile terminal (S4050).

When it is determined that the settlement processed information is input from the change store terminal (S4060), the change management server searches the recorded coin purse frame to confirm the settlement processed information, It is requested to remit to the store terminal, and then the process returns to step S4010 (S4070).

Such a configuration can prevent coins from being circulated in off-line commercial transactions, and can be used when necessary after accumulating or storing changed coins by using the mobile communication terminal.

In this case, the cost of coin circulation can be reduced at the government level, and at the store (2000) or at the enterprise level, it is possible to reduce time and labor due to coin exchange.

In the personal level of the portable terminal 1000 or the like, there is an advantage that the inconvenience due to the possession of coins is reduced, and the coins which can be lost or bored are collected and used.

On the other hand, instead of recording and storing the accumulated settlement amount in the mobile terminal 1000, an account or a cyber bank account can be established and deposited in a bank or a financial site server 4000, and the money can be deposited and managed on a portal site such as a cacao It is quite natural that you can open an account and deposit and manage it. The merchandise store terminal 2000, which is a merchandiser, may include a device directly connected to the bank change site server 4000.

When the corresponding change is stored in the change mobile terminal 1000, the change management server 3000 deducts a specific part (1%, for example) of the stored change as a commission, A specific portion of the amount (1% in one case) is deducted as a fee, so you can construct a revenue model by constructing a revenue model or deducting commissions from both. Meanwhile, a profit model may be constructed by collecting an advertisement fee from an advertiser using a banner spot advertisement on a monitor operated in a portable terminal or a store terminal.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art.

900: Change server system in which change money is accumulated in a portable terminal
1000: change mobile phone 2000: change store terminal
3000: Change management server 4000: Change money site server
5000: Mobile communication network 6000: Public communication network

Claims (3)

Downloading and managing the latest version of the change management application program and requesting payment in the range of the settlement amount recorded in the specially selected coin purse frame. The accumulated amount of the day change accumulation amount and the coin purse A changeover portable terminal for recording and outputting a frame;
The coin purse frame is wirelessly connected to the exchange mobile terminal by a short-range communication method, receives the coin purse frame selected specifically, processes payment by a settlement request in the range of the analyzed payment amount, A change store terminal for recording the same usage history and transmitting the same to the portable change terminal; And
The change mobile terminal and the change shop terminal are connected to each other to check the operating version of the change management app and download the latest version to download and manage one or more coin purse frames, A change management server for generating and providing a coin wallet frame table so that a coin purse frame selected for transmission and reception is selected and used; , ≪ / RTI &
A change money site server for controlling and managing the settlement request amount specified in the change store terminal according to a corresponding control signal of the change money management server; Further comprising:
The mobile change terminal
A mobile communication radio unit connected to a mobile communication network for receiving the change management app and transmitting and receiving information including the coin purse frame per month;
A change mobile terminal control unit connected to the mobile communication radio unit and outputting and monitoring a corresponding control signal for controlling each functional unit of the mobile change mobile terminal;
The mobile communication terminal control unit activates at least one selected from among Wi-Fi, Bluetooth, beacon, infrared, ZigBee, and NFC communication functions at the same time to transmit a settlement request signal, A terminal short-range communication unit for transmitting and receiving the coin purse frames, respectively;
A GPS receiver for receiving a GPS signal by a corresponding control signal of the portable mobile terminal control unit, analyzing first coordinate information by the GPS and receiving second GPS information and analyzing second coordinate information by the GPS receiver;
The coin purse frame table which is transmitted by the change management server by the control signal of the change mobile terminal control unit and is organized in units of weeks and divided by one unit is stored in the allocated area Coin purse frame table part;
A cumulative change amount recording unit for recording and outputting information including the settlement amount recorded in the coin purse frame, the cumulative amount of the same day and the use details of the same day in the assigned region by the corresponding control signal of the change mobile terminal control unit;
A coin purse frame conversion / decryption unit for inputting a corresponding control signal of the exchange mobile terminal control unit, analyzing and analyzing the received coin purse frame, reading the recorded and confirmed information, and converting and transmitting information to be transmitted to the coin purse frame; And
An app operating unit operable to record and install the change management application received from the change management server in an allocated area according to a corresponding control signal of the change mobile terminal control unit; , ≪ / RTI &
The change mobile terminal control unit
And uses the first coordinate information or the second coordinate information or the average coordinate information obtained by arithmetically averaging the first coordinate information and the second coordinate information as the position information,
The coin purse frame
A start field area including information on the start of the coin purse frame and two words in which transmission start time, destination, coordinate information, and destination information are recorded;
First to seventh field areas in which information including the settlement amount, the accumulated amount on the same day and the usage history of the same day is recorded or kept in blank and is composed of 3 words;
First to third copy field areas in which the information including the settlement amount, the accumulated amount on the same day, and the usage history of the same day is overwritten or kept blank and the information is composed of 5 words;
A program for generating a retransmission request signal of the coin purse frame is recorded if it is difficult to recover the information transmitted from the coin purse frame by using a CRC A check field area consisting of 10 words;
An end field area in which information on the end of the coin purse frame, a transmission end time, a stop route, coordinates information, and a number of written bits are recorded and is composed of two words; ≪ / RTI >
Wherein one word is composed of 25 bytes, and one byte is composed of 19 bits.
The method according to claim 1,
The change management server
An app management communication unit for accessing and storing the change management apps to be transmitted to the change mobile terminal and the change shop terminals, respectively, and downloading the application in a streaming manner according to a corresponding control signal;
A change management server control unit connected to the application management communication unit and outputting and monitoring corresponding control signals for controlling the respective functional units of the change management server;
The coin purse frame classified by the week by the corresponding control signal of the change management server control unit is specified and generated by the monthly transmission and reception coin purse frame table and recorded and stored in the allocated area, A coin purse frame table generating unit for transmitting the coin purse frame table to the mobile terminal and the change shop terminal at the end of each month;
The amount of customer accumulated change amount for recording and storing information including the settlement amount, the accumulated amount on the same day, and the use history of the day received from the change mobile terminal and the change store terminal, respectively, in the allocated area by the corresponding control signal of the change management server control unit A recording section; And
A control unit for receiving the control signal of the change management server control unit and analyzing and analyzing the coin purse frame received from the change mobile terminal and the change store terminal to read the recorded and verified information and convert the information to be transmitted into the coin purse frame A coin purse frame converting and decoding unit to record; The change server system comprising:
3. The method of claim 2,
The change store terminal
A terminal communication unit for communicating with the change management server via a public communication network, receiving the change management app, and transmitting and receiving information including the coin purse frame table for each month;
A change store terminal control unit connected to the terminal communication unit and outputting and monitoring a corresponding control signal for controlling each function unit of the change store terminal;
The control unit of the redemption terminal control unit manages at least one selected from Wi-Fi, Bluetooth, beacon, infrared, ZigBee, and NFC communication functions in a concurrently activated state corresponding to the change mobile terminal, A terminal short-range communication unit for transmitting and receiving the coin purse frame for transmission and reception, respectively;
A coin purse frame conversion / decoding unit for inputting a corresponding control signal of the change store terminal control unit, analyzing and decoding the received coin purse frame, reading the recorded and confirmed information, and converting and transmitting information to be transmitted to the coin purse frame; And
A settlement processing record unit for receiving the corresponding control signal of the change store terminal control unit and recording and storing transaction details of the day due to the settlement request of the change change portable terminal and the settlement information processed to record the change change to the change change portable terminal; The change server system comprising:

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