KR100275419B1 - A public payment system using wireless moblie communication network - Google Patents

Abstract

PURPOSE: A charging payment system using a wireless mobile communication network is provided to decrease the inconvenience by performing a charging payment through a cordless mobile terminal. CONSTITUTION: A communication is performed between an RF(Radio Frequency) antenna of an RF IC part and a reader of traffic means, and the reader transmits the instruction of curtailing a fixed amount of money to the RF antenna(S501). At this time, the fixed amount of money is pertinent to traffic expenses. A control part receives the instruction through the RF antenna, and curtails an amount of money stored at a memory according to the instruction(S502). The control part transmits a remainder to the reader, and displays the remainder through a display part of a cordless mobile terminal(S503).

Description

Billing payment system using wireless mobile communication network {A public payment system using wireless moblie communication network}

The present invention relates to a bill payment system using a wireless mobile communication network, and more particularly, to a bill payment system using a wireless mobile communication network to pay a fee to be paid when using a means of transport using a mobile terminal.

In general, people use public transport such as buses or subways to move from one place to another, which is cumbersome to purchase different tickets for each bus or subway.

As a solution to the hassle, if you use public transportation such as taxis, buses and subways, the fare can be settled with a single card. In other words, using a card with electronic money has been proposed.

For example, "Hanaro Card" is used in Busan area, and bus card is linked with subway in Seoul area, and the implementation is expected to be fully implemented.

In other words, the Hanaro card used in Busan area uses a half-duplex method even if the contactless RF interface module is within 10 cm using an AM modulation method of frequency 13.56MHz. Its usefulness is widely demonstrated because it communicates at 106K baud rate per second by the communication protocol.

However, in terms of paying public transportation charges using the above cards, the user has a burden of having to purchase a card and inconvenience of having to wait in line at the charging station in order to charge the purchased fee. There is a problem that you have to settle by cash transaction only, and in the area where there is no charging station or lack of charging station, you have to find a charging station, and there is no way to find cash even if you lose cash because it is defenseless for the use of others. .

Accordingly, an object of the present invention is to provide a fare payment system using a wireless communication network that allows the mobile terminal to pay a fee to be paid when using transportation means to solve the above problems.

1 is a view for explaining an embodiment of a bill payment system using a wireless mobile communication network according to the present invention,

2 is a view for explaining another embodiment of a payment system using a wireless mobile communication network according to the present invention.

3 is a block diagram showing an internal configuration of a mobile terminal according to the present invention;

4 is a block diagram showing an internal configuration of a mobile terminal according to the present invention;

Figure 5 is a flow chart illustrating an embodiment of a traffic fare payment through a mobile terminal according to the present invention.

* Description of Signs of Main Parts of Drawings *

10: charging charge input means 20: wireless mobile exchange means

30: charging means 40: mobile terminal

50: wireless relay base station

In the bill payment system using a wireless communication network according to the present invention for achieving the above object, the system of the present invention receives the amount of money to be charged by the user, the charge amount input means for outputting the charge request data for the input amount And, if the charge request data for the amount is input from the charge amount input means for outputting the charge request signal, when the charge request signal is inputted by the wireless mobile exchange means for transmitting the charge request data for the amount required by the user; When the charge request signal is input from the wireless mobile exchange means, the account of the user requesting the charge is inquired, and if the account balance is less than the charge request amount, the unchargeable signal is output to the wireless mobile exchange means, and the balance of the account is the requested amount. In more cases, it may be possible to After receiving and storing data, the total amount of the currently charged amount is displayed on the display, and the mobile terminal is equipped with an RF IC unit (RF IC unit) for down counting the charged amount when using transportation. .

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

1 is a view for explaining an embodiment of a bill payment system using a wireless communication network according to the present invention.

As shown, the charge amount input means 10 for receiving the amount to be charged from the user, and outputs the charge request data for the input rate, and the amount requested by the user from the charge amount input means 10 When the charge request signal for the amount of money requested by the user from the wireless mobile switching means 20a for transmitting the charge request data to the money charging means 30, and input to the money charging means 30 After checking the user's account set in the amount charging means 30, if the user's account balance is less than the charge amount request signal, and outputs the charge impossible signal to the wireless mobile switching means 20a, the user's account balance Receives a charge signal for the requested amount through the wireless mobile switching means 20, if more than the required amount of charge, the received amount of RF IC unit (R) F IC unit 42 stores in memory 358, and displays the total amount of the currently charged fare on the display unit 355, the mobile with the RF IC unit for down counting the charged fare when using transportation It consists of a terminal 40.

In the above-described charging amount input means 10, a user who subscribes to a wireless mobile service company charges a fee to a mobile terminal 40 in order to pay a fee to be paid when using public transportation using the mobile terminal 40. It is a system such as a general telephone or a PC used when sleeping.

The above-described wireless mobile switching means 20a is a general wireless mobile service company, and communicates with the money charging means 30 according to data input from the outside, and outputs control signals and data so that the mobile terminal 40 is operated. System.

The above-mentioned amount charging means 30 corresponds to a financial institution such as a general bank, etc., and the total amount paid through the user's account and the user's account (for example, loan service, mobile terminal use amount, charge charge amount, etc.). Issue bills and statements to the user.

The operation of the payment system using the wireless communication network according to the present invention configured as described above will be described in more detail with reference to the accompanying drawings.

First, the subscriber uses a voice mail (VMS) provided in a wireless mobile service company, which is a wireless mobile switching means 20a, by using a public network (PSTN) connected to a wireless communication network using a telephone or a PC, which is a charge rate input means 10. System or Automatic Response System (ARS).

Then, the wireless mobile switching means 20a obtains the approval from the DB built in the computer system and notifies the voice mail box or the automatic answering system of the result, and the voice mail box or the automatic answering system responds to the charge amount requested by the user. The data is transmitted to the mobile terminal 40 through the wireless relay base station 50 via the switch by a defined protocol.

In this case, the DB built in the computer system is configured to output data to a billing system of a financial institution such as a card and a bank, which is the amount of charging means 30, to be settled. Then, the mobile terminal 40 decodes the received data by a protocol, charges the amount of money transferred to the storage element provided in the non-contact RF IC unit, and the display unit of the mobile terminal 40. The data on the approval of cash substitution, the amount of replenishment, the balance and the total amount of money are displayed in a certain form.

Thus, the user checks the various data displayed on the display unit and then uses the public transportation means using the mobile terminal 40.

2 is a view for explaining another embodiment of a bill payment system using a wireless communication network according to the present invention.

As shown, the charge amount input means 10 for receiving data about the amount to be charged from the user, and outputs the charge request data for the input amount, and the charge amount input means from the charge amount input means 10 If the requested data is entered, after checking the user's credit status, if the amount requested to be charged is more than the balance of the user account or the credit card usage amount, the user receives a no charge signal, and the balance of the user's account is In many cases, it is received through the wireless mobile switching means 20b for transmitting data for charging the amount of money, and after storing the data for the received amount of charge and displays the total amount of the currently charged amount on the display unit 355, traffic It consists of a mobile terminal 30 having an RF IC (RF IC) unit for down counting the charged amount when using the means.

In describing the operation of another embodiment of the bill payment system using the wireless communication network according to the present invention configured as described above, detailed descriptions of the same parts as those of the above-described embodiment will be omitted, and the radio part is different from the embodiment. Briefly referring to the mobile switching means 20b.

In one embodiment, the wireless mobile switching means 20a transmits data on the amount of money to be charged to the mobile terminal 40 in connection with the money charging means 30, which is a financial institution such as a bank. The means 20b is a general wireless mobile service provider, and after retrieving the credit status of a user using a database of a computer system provided in the wireless mobile switching means 20b, the charge amount data for the charge amount request data requested by the user. Transmits to the mobile terminal 40.

In addition, the wireless mobile switching means (20a, 20b) provided in the above-described embodiments and other embodiments is the mobile terminal 40 when data about the loss of the mobile terminal 40 from the charge amount input means 10 is inputted Wireless mobile service and the amount of money charged and the amount charged will not be down counted.

3 is a block diagram showing the configuration of a mobile terminal 40 according to the present invention.

FIG. 4 is a flowchart illustrating a procedure of storing charges insulted by a user in the mobile terminal 40 in the bill payment system using a wireless mobile communication network according to the present invention.

Hereinafter, a process of storing a charge amount in the mobile terminal 40 will be described in detail with reference to FIGS. 3 and 4.

As shown, the mobile terminal 40 of FIG. 3 is largely comprised of the mobile terminal 41 and the RF IC (42).

First, the mobile terminal 41 includes a signal controller 310 for controlling signals input and output to the mobile terminal 40, an antenna unit 315 for receiving external wireless data, and wireless data input from the outside and down-converted from the antenna. The wireless receiver 320 performs a parity check or a cyclic redundancy check (CRC) check, a wireless transmitter 325 which outputs a radio signal output from the mobile terminal to the outside to verify whether the reception is properly performed. Signal branching unit 330 for determining the validity of the signal and the next processing step, the general signal processing unit 335 for processing a general voice signal or a general data signal, the mobile terminal unit 41 and RF IC (RF IC) unit ( 42) a signal conversion unit 340 for performing data communication through AM modulation between the data, the amount of money is calculated by decrypting the encrypted signal of the received data and whether the amount is justified. An authentication unit 345 for notifying the unit, a command input unit 350 for performing an interface function between the user and the terminal, and displaying information inside the terminal so that a user can recognize an internal process of the mobile terminal. The note is composed of a display unit 355.

Next, the RF IC 42 provided with the mobile terminal 41 in the mobile terminal 40 receives an AM modulated signal by the signal converter 340 of the mobile terminal 41. RF communication and demodulation unit 356, a control unit 357 for controlling the RF IC (RF IC) unit, a memory unit for storing the received data 358, and for communicating with a reader installed in the charge storage means for payment It consists of an RF antenna unit 359.

In particular, in recent years, a combination IC with integrated contactless and contact IC functions has been developed. Unlike conventional RF ICs, power is supplied from a contact IC reader through connection terminals, and communication terminals are connected. Through the specified communication standard, bidirectional communication with the contact type IC reader is possible. Using this physical connection method, the signal conversion unit 340 for communication between the mobile terminal 40 and the RF IC 42 of FIG. 3 can be omitted, and the contact terminal of the combination IC is connected to the signal control unit and the CPU. By inserting a program capable of transmitting information according to a directly defined communication protocol into the signal control unit 357, a technology of simply supplementing the amount of money in the memory unit 358 of the RFC 42 can be implemented.

The charging process during the processing of the mobile terminal having the configuration as described above and the charge payment system through the wireless communication network according to the present invention will be described in detail with reference to FIG.

As shown in FIG. 4, when a signal is input to the antenna unit 315 of the mobile terminal unit 41, the antenna unit 315 down-converts the frequency of the signal and modulates the signal to a low frequency that is easy to process. Transfer to the wireless receiving unit 32 (S400).

In order to verify whether the input signal is properly received, the wireless receiver 320 receiving the wireless signal performs parity on the input signal or performs a cyclic redundancy check (CRC) to decode and decode when an error occurs. When a lot of errors occur until the impossible state, the decoded message is transmitted to the signal branch unit 330 (S401). The signal branch unit 330 receiving the undecryptable message transmits an undecryptable message to the signal controller 310, and the signal controller receiving the undecoded message is transmitted to the wireless transmitter 325 and the display unit 355. It passes (S402).

The wireless transmitter 325 receiving the undecryptable message modulates the undecryptable message signal and transmits the decoded message signal to the antenna unit 315. The antenna unit 315 transmits the received data to the wireless relay base station 50 or the repeater using the radio signal. After transmitting to the exchange (not shown in the figure) to notify that the data signal is transmitted incorrectly to retransmit the signal (S403). In this case, the wireless pager cannot transmit an undecryptable message to the service provider because there is no transmitter, but the PCS, IMT-2000, etc., which is a wireless mobile phone system capable of bidirectional communication, can transmit a NCK signal to receive a message from the mother station.

In the case of the wireless pager, the display unit 355 displays an undecryptable message so that the user can use an ordinary telephone or a mobile telephone to make an automatic answering system (hereinafter referred to as 'ARS') or a voice mail box (hereinafter referred to as 'VMS'). Pass an undecryptable message. At this time, the undecryptable message is convenient for the user if the numeric code is easy to enter with the keypad of the phone.

If it is determined in step S401 that the radio receiver 320 is a decodeable or error-free signal, the radio signal is transmitted to the signal branch unit 330 (S404), and the radio signal is a general data signal or a general voice in the signal branch unit. Whether the signal is a charging signal or not is determined by a code recorded in a header portion of a data packet (not shown) (S405). If the result is a normal data signal or a general audio signal, the signal is sent to the general signal processor 335. Send the data. The general signal processor 335 receiving the data signal demodulates the modulated signal into a voice signal in the case of the normal voice signal, and transmits the demodulated signal to the signal controller 310 in the case of the normal data signal (S406). The signal controller 310 receiving the general data signal converts the input signal into a character such as an ASCII code and is displayed on the display 335 (S407).

When the signal input to the signal branch unit 330 in step S405 is a charging signal, the signal branch unit 330 transmits a code indicating that the charging signal has been received to the signal controller 310, and confirms reception of the charging signal. The signal controller 310 prepares a processing process for the charging signal (S407). Here, the signal controller 310 prepares to process the charging signal to initialize the authentication unit 345, the display unit 355, the signal converter 340, and the like to process the charging signal. When the preparation step for the above-described signal processing is completed, the signal controller 310 sends a signal to the signal branch unit 330 to transmit a charging signal, and the signal branch unit 330 receiving the signal receives the charging signal from the signal control unit ( In step S408, it is transmitted.

The signal controller 310 receiving the charging signal transmits an encrypted portion of the charging signal such as an amount of money, a user code, etc. to the authentication unit 345 and displays that the charging unit is processing the current charging signal on the display unit 355. (S409).

The authentication unit 345 decrypts the encrypted signal to calculate the amount, and notifies the signal control 310 of whether the calculated amount is justified (S410).

In step S410 described above, if the amount calculated by the authenticator 345 is not authenticated as being legitimate, the display unit 355 displays that it is not authenticated and sends a signal to the wireless transmitter 325 that it is not authenticated. The antenna unit 315 transmits the data to the outside, and the transmitted data is transmitted to the money charging means 30 through the service wireless relay base station 50 so that the money charging means 30 retransmits the charging signal (S411). . In this case, since there is no wireless transmitter 325 in the case of a wireless pager, the user displays the message displayed on the display unit to the money charging means 30 using an automatic answering system (ARS) or a voice mail box (VMS) as described above. (S411).

If the amount calculated by the authentication unit 345 is verified in step S401 described above, the authenticated amount signal is sent to the signal control unit 310, and the amount signal and the memory configured in the RF IC unit 42. The unit 358 transmits the address of the memory where the amount signal is to be stored (S412).

Next, the signal controller 310 receiving the money signal and the address of the memory retransmits the received information to the signal converter 340, and the signal converter 340 modulates the received signal by AM modulation. The RF demodulation unit 356 transmits the RF demodulation unit 356 to the control unit 357 by demodulating the received AM signal. Next, the controller 357 extracts the amount signal from the demodulated signal and the memory address to be stored in the memory and stores the amount signal in the memory area of the corresponding address (S413).

When the money signal is successfully stored in the mobile terminal 40, the control unit 357 configured in the RF IC unit described above sends a signal to the RF demodulation unit 356 indicating that the money was successfully stored, and the RF modulation and demodulation unit. 356 is AM modulated the signal received from the control unit and transmitted to the signal conversion unit 340 configured in the mobile terminal unit 41, the signal conversion unit 340 demodulates the received AM signal again to determine the amount of charge The stored information is transmitted to the signal controller 310, and the signal controller 310 displays a signal received from the signal converter 310 on the display 355 so that the user knows how much is charged. At the same time, the wireless transmitter 325 and the antenna unit 315 informs the money charging means 30 that the money is normally stored, that is, notified (S414).

The above is a process in which the amount of money is charged to the mobile terminal 40, the amount charging means 30 that has been informed that the charging is normally performed to notify the financial institution or service provider server with a predetermined partnership, the financial institution of the user Transfer or settlement as much as the user charged amount in the bankbook or credit card (S415) and the charging process is terminated.

FIG. 5 is a flowchart illustrating a process in which a fee is paid by the mobile terminal 40 when using a means of transportation using a charge payment system using a wireless mobile communication network according to an embodiment of the present invention.

When the charging process of FIG. 4 is completed and the fare payment for the transportation means is performed using the mobile terminal 40, first, the RF antenna of the RF IC unit 42 provided in the mobile terminal 40 is provided. Through 359, a communication is performed with a reader (not shown in the drawing) installed in the transportation means, and the reader sends an order to reduce a predetermined amount to a charge for the transportation means. The data is transmitted to the RF antenna unit 359 configured at 42 (S501). The subtracted command signal AM-modulated into the RF antenna unit 359 is transmitted to the RF demodulation unit 356 and demodulated, and the demodulated signal is transmitted to the control unit 357 so that the control unit 357 can be transferred to the memory unit 358. The amount of money stored is subtracted (S502). Next, the display unit 355 configured to transmit the balance information remaining in the memory to the reader included in the transportation means through the RF antenna 359 of the RF IC unit 42, and also configured in the mobile terminal unit 41. Display on to allow the user to check the balance (S503). Through such a process, a fee payment system using a wireless mobile communication network can be implemented.

In addition, the mobile terminal 40 provided in the above-described embodiment and another embodiment is a wireless data terminal, a pager, a Trunked Radio System (TRS) terminal, a PCS (Personal Communication System) terminal, a cellular phone, a city phone, and the like.

Therefore, as described above, the present invention solves the inconvenience of the shortage of the transportation card fee charging station and the charging of the transportation card, and activates the transportation card using the wireless communication network and the mobile terminal. Public service is possible.

In addition, it improves the efficiency of the use of wireless communication network and enhances the utilization of the mobile terminal, and contributes to the prevention of card abuse through wireless movement when the traffic card is lost, and the activation of credit transactions through electronic payment, and the use of telephones or PCs. It provides the effect of charging the charge to the mobile terminal conveniently without restrictions.

Claims (9)

Charge amount input means for receiving an amount to be charged from the user and outputting charge request data for the input amount; Wireless mobile switching means for relaying charge request data for an amount requested by the user from the charge amount input means to an external component; Receiving a charge request signal for the amount requested by the user from the wireless mobile switching means, and after querying the predetermined user's account, if the account balance of the user is less than the charge amount request signal, the charge not possible signal An amount charging means for outputting to the wireless mobile switching means and transmitting a charging signal for the requested amount to the wireless mobile switching means when the user's account balance is larger than the charging amount requested by the user; And Receives data on the amount requested to be charged through the amount charging means and the wireless mobile exchange means, and stores the data on the received amount in the memory of the RF IC unit (RF IC unit) provided therein, A charge payment system using a wireless mobile communication network comprising a mobile terminal having a total value of the charges on the display unit, the mobile terminal having an RF IC unit for down counting the amount of charges for the means of transportation when using the means of transportation. According to claim 1, wherein the RF IC part, A bill payment system using a wireless mobile communication network, characterized in that the combination between the RF IC unit and the signal conversion unit of the mobile terminal and a data transmission function. The method of claim 1, wherein the mobile terminal; Billing payment system using a wireless mobile communication network, characterized in that the wireless data terminal. The method of claim 1, wherein the mobile terminal; Billing system using a wireless mobile communication network characterized in that the pager. The method of claim 1, wherein the mobile terminal; Billing payment system using a wireless mobile communication network, characterized in that the TRS terminal. The method of claim 1, wherein the mobile terminal; Billing payment system using a wireless mobile communication network characterized in that the PCS terminal. The method of claim 1, wherein the mobile terminal; Billing payment system using a wireless mobile communication network characterized in that the cellular phone. The method of claim 1, wherein the mobile terminal; Billing payment system using a wireless mobile communication network, characterized in that the IMT-2000 terminal. The method of claim 1, wherein the mobile terminal; Billing system using a wireless mobile communication network, characterized in that the inside of the mobile terminal to the RF fare payment means built in the wireless IC.