KR100308418B1 - Radio frequency recognizing debit card and system thereof - Google Patents

Abstract

PURPOSE: An RF(wireless recognition) debit card and a system thereof are provided to execute the corresponding price payment rapidly without contact of a card terminal and a debit card when paying the amount of money using the debit card. CONSTITUTION: A RF debit card(40) receives a driving power from a card terminal(70) by wireless through a path(1). Debit card number data being generated in the RF debit card(40) are transmitted to the card terminal(70) through a path(2). The RF debit card number data received in the card terminal(70) are transmitted to a terminal computer(80) through a path(3). The terminal computer(80) is connected to a center computer(90) by an on-line or an off-line method using a general communication line, temporarily stores a price payment, and makes the accumulated data and updated blacklist data exchanged at a predetermined period. The terminal computer(80) makes a blacklist inquiring result with respect to the corresponding debit card number and information transmitted to the card terminal(70) through a path(4). Using result data or related data being outputted in the card terminal(70) may be transmitted to the RF debit card(40) by wireless through the path(1).

Description

Radio frequency recognizing debit card and system

The present invention relates to a debit card system, in particular, the card can be processed in the field to the inquiry, transaction approval and payment of the card in close proximity without contact with each other and RF that can be applied to the offline method in addition to the online method (Radio Frequency) (Wireless Recognition) Debit card and its system.

The debit card system refers to a system in which a cardholder purchases goods or receives a paid service at a debit card merchant and immediately pays the corresponding amount on the spot using his designated bank account.

A typical debit card payment process is as follows.

When a debit card and magnetic strip are rubbed through a card reader on the card merchant side that is online with the card issuer, the card reader first reads the debit card and the card number and transmits the debit card and the card number to the host computer on the issuer side.

The host computer accesses the designated payment account of the received card number, inquires whether the payment can be made immediately from the corresponding account, and transmits the result to the debit card merchant.

The debit card owner checks the payment amount displayed on the card reader of the merchant and inputs a confirmation code such as a password to immediately pay for the purchased goods or services.

However, one of the problems in the case of using the debit card according to the traditional method described above is that the card inquiry time is too long (several seconds to tens of seconds).

This delay in card retrieval time is a major obstacle to activation and diversification of card usage.

Another problem is that the life of the debit card is shortened and the reading error in the card reader is frequently generated.

The card reader, which is to be connected to the host computer online through a general telephone network, reads data recorded on the magnetic strip of the debit card by frictional contact, which causes damage to the magnetic strip of the card and shortens the card life. .

Also, when passing the card through the card reader, scanning too late or too fast beyond the reference speed will result in card data read errors, which will require scans for repeated card readings, which in turn will shorten card life. do.

An object of the present invention is to provide an RF debit card system that can execute the payment quickly in the non-contact state of the card terminal and the debit card installed in the debit card merchant at the time of payment of services or purchases using the debit card.

Another object of the present invention is to allow the use of the debit card in transportation (subway, taxi, bus), etc. that requires card recognition and information processing within a very short time, the transaction approval / transaction rejection only by blacklist inquiry of the debit card number data To quickly determine the card, it provides a contactless RF debit card system that can significantly reduce the card reading time.

Another object of the present invention is a no-battery type RF debit that allows card information to be exchanged between a card reader and a terminal without a separate operation battery for driving an integrated circuit (IC) provided inside the debit card. To provide the card.

It is still another object of the present invention to provide an RF debit card system for facilitating the use of a debit card in a general public transportation such as a taxi or a bus by enabling payment using a debit card even in an offline state.

RF debit card of the present invention in the debit card to query the card information in a state that does not directly contact the card terminal, out of the embossed character forming area formed on the surface of the debit card, the front portion of the debit card An antenna coil, which is continuously wound several times in a thin line between the and the rear part, generates induced power by radio waves received from the card terminal, and transmits and receives data signals; RF interface unit including rectifier, modulator, voltage stabilizer, and clock generator, control unit including data converter and arithmetic controller for converting serial and parallel data, and EEPROM that stores its debit card number data and various data. And an integrated circuit configured to include a memory unit, wherein the integrated circuit is activated by the induced power to access the memory unit to wirelessly transmit its own debit card number data, and transmits transaction information data received from the card terminal to the memory. It is characterized by recording and storing in the department.

RF debit card system of the present invention,

In the debit card system including a center computer for frequently downloading the transaction details (blacklist data) from the debit card issuer, collecting the settlement transaction data and sending the debit card issuer to the debit card issuer. Wow; At least one card terminal for communicating with the no-battery type RF debit card to read and write data in the form of an RF signal; A terminal computer connected to the at least one card terminal and a wired / wireless network, and connected to the center computer to make an online or offline debit card payment in a corresponding account; wherein the no-battery type RF debit card is the outside of the debit card. The antenna coil is installed to be wound continuously along the circumference to receive the radio waves of the card terminal and generate power and transmit and receive radio waves. The integrated circuit is installed inside the antenna coil, and the integrated circuit has debit card number data. And a memory unit including an EEPROM capable of changing, wherein the integrated circuit is activated by receiving radio waves from the card terminal and wirelessly transmitting the debit card number data. Is the induced electromotive force in the antenna coil of the RF debit card It is implemented to radiate radio waves so as to be generated, and to receive the debit card number data and transmit it to the terminal computer, wherein the terminal computer blacklists the received debit card number data from the center computer on an irregular or regular basis (B / L) Inquiry on the data to determine whether to approve the transaction to control the one or more card terminals, and if the transaction is approved, the current online transaction price is settled and immediately transferred to the center computer or offline by debit card number for a certain period of time. Characterized in that it is implemented to accumulate and store the transaction price. RF debit card system of the present invention is frequently downloaded from the debit card issuer (detailed blacklist data), the debit card by counting the transaction history data settled Debit card with a center computer to the issuer In the system, the no-battery type RF debit card; At least one card terminal communicating with the no-battery type RF debit card to perform a debit card transaction blacklist inquiry; A terminal computer connected by the one or more card terminals and a wired / wireless network and connected to the center computer for online or offline debit card transactions; wherein the no-battery type RF debit card is formed on the surface of the debit card. An antenna coil is installed by winding continuously along the outer periphery of the card to deviate from the embossed character area, and an integrated circuit is installed inside the antenna coil. And a memory unit for receiving the radio waves from the card terminal to activate the integrated circuit to wirelessly transmit its debit card number data and to record and store the received card usage information in the memory unit. The at least one card terminal is implemented, the antenna of the RF debit card Radiating radio waves to generate induced electromotive force in a coil, receiving the debit card number data and inquiring a blacklist (B / L) to determine whether to approve the transaction, and deciding the card usage-related information along with the transaction approval to the RF debit. It is implemented to transmit to a card, and read the card usage information stored in the RF debit card to the terminal computer, the terminal computer is used to settle the payment using the received card usage information and to each debit card number It is characterized in that it is implemented to transfer the transaction information for the online payment settlement to the center computer or to store the transaction information for the offline payment settlement, and at the same time to transmit the B / L data updated from the center computer to the card terminal.

1 is a block diagram of a contactless RF debit card system according to the present invention.

Figure 2 is an illustration of the internal structure of a contactless RF debit card according to the present invention.

Figure 3 is an internal structure diagram of another example of the present invention RF debit card.

Figure 4 is a block diagram of an integrated circuit inside the RF debit card according to the present invention.

Figure 5 is a block diagram of a card terminal applied to the present debit card system.

Figure 6 is a block diagram of a subway fare automatic collection system for explaining an embodiment of the present invention debit card system.

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

40: RF debit card 50: integrated circuit (IC)

51: RF interface unit 52: rectifier

53: modulator 54: voltage stabilizer

55: clock generator 56: control unit

57: operation controller 58: memory unit

59: EEPROM 60,60 ': Antenna coil

70: card terminal 71: main control module

72: RF card communication module 73: B / L data storage module

74: transaction history storage module 75: terminal computer communication module

76: user interface module 77: display

78: keypad 80: terminal computer (aggregation system)

81: ticket gate 82: switchgear

90: center computer 110: card issuer

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

1 is a schematic diagram of a system of the present invention, and is largely composed of four organic combinations of an RF debit card 40, a card terminal 70, a terminal computer 80, and a center computer 90. As shown in FIG.

The RF debit card 40 is configured to receive its driving power from the card terminal 70 via the path ① to the radio (RF).

Debit card number data generated from the RF debit card 40 is configured to be transmitted to the card terminal 70 through the path ②.

The RF debit card number data received by the card terminal 70 is configured to be transmitted to the terminal computer 80 via the path ③.

The terminal computer 80 is connected to the center computer 90 in an online or offline manner using a general communication line to temporarily store the payment by debit, and the accumulated data and the updated debit card number blacklist (B / L) Configure data to be exchanged at regular intervals or from time to time.

In addition, the terminal computer 80 is configured to be transmitted to the card terminal 70 through the B / L inquiry result and the corresponding terminal information for the debit card number through the path (4).

The performance data of the debit card or the data related to the terminal output from the card terminal 70 may be configured to be wirelessly transmitted to the RF debit card 40 through the path ①.

2 is a view for explaining the internal structure of the RF debit card for contactless wireless recognition according to the present invention.

As referred to herein, an antenna coil wound in the shape of a concentric circle by using a thin line between the inside of the debit card 40, that is, the front portion 20 and the rear portion 30 on which the magnetic strip 32 is formed ( 60 and an integrated circuit 50 connected to the antenna coil 60 are arranged.

Since the antenna coil 60 and the integrated circuit 50 have a very thin thickness, the antenna coil 60 and the integrated circuit 50 do not cause deformation in the standard size of the card 40.

In addition, these antenna coils 60 and integrated circuits 50 need to be installed out of an embossed character forming region formed on at least the surface of the debit card in order to eliminate the possibility of defects of the card itself and to ensure reliability.

3 is a diagram illustrating an internal structure of another embodiment of the RF debit card 40 according to the present invention.

Here, the antenna coil 60 'is wound several times along the outer circumference of the outside of the card in a rectangular shape, and the integrated circuit 50 is shown installed inside the antenna coil 60'.

Likewise, here, too, these antenna coils 60 'and integrated circuits 50 are disposed at positions away from at least the embossed character forming areas formed on the surface of the debit card to ensure reliability and to eliminate the possibility of defects on the card itself. Should be.

4 shows an internal circuit block diagram of an integrated circuit IC 50 mounted in an RF debit card according to the present invention.

The integrated circuit 50 is largely divided into the RF interface unit 51, the control unit 56, and the memory unit 58.

The RF interface unit 51 is a rectifier 52 for rectifying the induced voltage induced in the antenna coil 60, a modulator, a demodulator for modulating and demodulating the debit card-related data transmitted and received by the antenna coil 60 ( 53), a voltage stabilizer 54 for supplying a stable voltage to each component of the IC, and a clock generator 55 for clocking the operation controller.

The controller 56 includes an operation controller 57 having a data serial-to-parallel conversion circuit, a RAM, and a ROM therein, and the operation controller 57 controls the operation of each component in the IC according to a stored command of the ROM. do.

The memory unit 58 includes an EEPROM 50 that can electrically write and delete data.

5 is a block diagram illustrating the internal structure of a card terminal of the debit card system of the present invention.

It is connected to the main control module 71, the main control module 71, RF card communication module 72 for radiating radio waves for activating the RF debit card 40 and performing data exchange, and RF debit A transaction history storage module 74 for storing transactions with the card 40, and a terminal computer communication module 75 for exchanging B / L data or card number data with the terminal computer 80; And a user interface module 76 having a display 77 for displaying the card use amount of the RF debit card user and a keypad 78 for inputting a password to prevent fraudulent use.

In addition, the card terminal 70 is installed in addition to the B / L data storage module 73 to directly retrieve the RF debit card number data received in the B / L data stored therein the transaction approval and transaction rejection in the field You can make a decision immediately.

The B / L data storage module 73 updates the new B / L data to the center computer 90 at regular intervals or from time to time via the terminal computer 80.

The operation of the debit card system of the present invention configured as described above will be described in detail with reference to FIGS. 1 to 5.

RF debit card 40 of the present invention is a no-battery card (No Battery) that operates by receiving power wirelessly from the outside through the antenna coil 60 therein, because it does not require a separate built-in battery life Is semi-permanent.

When the RF debit card 40 approaches the card terminal 70 within a predetermined distance, the RF debit card is continuously or periodically radiated by the RF card communication module 72 (antenna) in the card terminal 70. The antenna coil 60 inside the card 40 will be guided (path 1 in FIG. 1).

The RF debit card 40 is rectified and smoothed to use the driving power of the integrated circuit 50 of the debit card.

Thus, the effective access distance between the card terminal 70 and the RF debit card 40 which supplies power for the operation of the integrated circuit 50 to the RF debit card 40 side may be added or subtracted according to the shape of the antenna coil 60. Considering the convenience, stability, and security of using a card, the recognition distance between the two is designed to be about 100mm is considered most desirable.

Meanwhile, the voltage induced in the antenna coil 60 of the RF debit card 40 is supplied to the integrated circuit 50.

The antenna (RF) induced voltage supplied to the integrated circuit 50 is rectified by the rectifier 52 of the RF interface unit 51 therein, stabilized by the voltage stabilizer 54, and then operated as an operating voltage for all parts of the integrated circuit. Will be provided.

When power is supplied from the voltage stabilizer 54 in the RF interface unit 51 to the operation controller 57 in the control unit 56, the operation controller 57 converts its own card number data and the RF signal from the demodulator 53. Since the card number data signal is transmitted to the antenna coil 60 through the path ② of FIG. 1, the card number data signal is transmitted to the card terminal 70.

The RF card communication module 72 of the card terminal 70 shown in FIG. 5 is a data access sequence and data corresponding to the interface unit 51 of the RF debit card 40 for data communication with the RF debit card 40. Performs the encoding and decoding (modulation and demodulation) functions.

Thereafter, the main control module 71 of the card terminal 70 transmits the received debit card number data to the terminal computer 80 through the path ③ of FIG. 1, thereby providing the B / L already held in the terminal computer 80. The relevant card number is inquired in (Black List).

The terminal computer 80 inquires the inputted RF debit card number to the B / L, and if it is not a bad card, the transaction approval and the unique number data of the terminal are immediately transmitted to the card terminal 70 through the path ④ of FIG. .

In fact, the time required for such card search (path ①-④) is only 3ms.

The card inquiry is made quickly because the high-speed CMOS device is used as the integrated circuit device of the RF debit card.

Meanwhile, the RF debit card user checks the amount of money displayed on the display device for displaying the amount of use of the user interface module 76 installed in the card terminal 70, and then inputs a user password provided in the user interface module 76. Entering the password of the debit card by using the keypad 78 may further proceed to approve the claim of the debit.

The terminal computer 80 checks the bad card number online at the center computer 90 at regular intervals or from time to time to update the B / L data, if any, and updates the transaction amount for the debit card number. Transfer to the center computer (90).

By executing this procedure, the payment of the debit card is immediately transferred from the designated bank payment account of the debit card to the designated bank account of the debit card merchant through the banking network connected to the card issuer.

On the other hand, as shown in Figure 5, when the B / L data storage module 73, which is indicated by a dotted line in the card terminal 70 is directly embedded, the card terminal 70 for the B / L inquiry of the debit card It is possible to omit the process (3) and (4) of FIG. 1 which transmits the card number read in to the terminal computer 80 and receives the inquiry result, thereby further improving the card processing speed.

In this case, as described above, the B / L data registered in the B / L data storage module 73 in the card terminal 70 is new data from the center computer 90 through the terminal computer 80 at regular intervals or from time to time. You need to receive and update it.

Such RF debit card system of the present invention may be very suitable for the corresponding fare payment according to the use of public transportation.

In the case of using the card in controlling and controlling the means of transportation or restricted areas, very early processing time is required for the settlement of the fee or the determination of the admission.

For example, in order to apply a debit card to a means of transportation, an individual card must have usage data of an individual card user, for example, data on a boarding time and a section of use of a means of transportation. Otherwise, it is impossible to apply the card payment method to transportation because a lot of data about individual cards must be processed in a batch at the central traffic control computer (host computer).

However, the present debit card system enables on-site payment for the use price of transportation.

Looking at the process, if the RF debit card 40 is driven by the wireless power supply from the card terminal 70 transmits its own card number to the card terminal 70 through the antenna coil 60 card terminal ( 70 receives the RF card communication module 72 and transmits it to the terminal computer 80 to inquire whether the debit card is valid.

If the corresponding card number does not belong to the bad debit card number group (B / L), the terminal computer 80 receives the current boarding time data and the unique number data of the corresponding terminal at the same time as the transaction approval and the RF card communication module of the card terminal 70. Wirelessly transmit to the RF debit card 40 side via (72).

The RF debit card 40 receives the current boarding time and terminal unique number data transmitted from the card terminal 70 through the antenna coil 60, demodulates it in the demodulator 53, and then sends it to the operation controller 57. Thus, the data is stored in the EEPROM 59 according to the data transmission method determined here.

This series of operations will be done within a few tens of milliseconds so that no time lag in payment of the transportation fee will occur.

In this case, the boarding terminal of the transportation vehicle can determine whether or not to approve the RF debit card transaction only by querying the debit card number list, thereby significantly reducing the card inquiry and processing time.

In addition, the getting-off terminal reads the boarding information recorded on the RF debit card and processes the fare for the distance and time of use of the relevant transportation, so the card inquiry and settlement processing can be performed quickly when getting off. do.

By introducing the basic concept of the debit card system of the present invention, such as toll-free, very fast highway tolls, bus usage fees, amusement facilities usage fees, etc. in the field can be settled immediately in cash through the payment account of the bank.

6 is a configuration example of a subway automatic fare collection system using the RF debit card of the present invention, the automatic fare collection process based on this as follows.

First, the subway passengers approach the RF debit card 40 connected to their bank payment account within a certain distance (about 100mm) from the card terminal 70 attached to the subway opening and closing 81, the RF debit card 40 Receives the outgoing radio wave of the card terminal 70 receives the power wirelessly to activate the integrated circuit of the RF debit card 40.

Accordingly, the RF debit card 40 transmits its card number to the RF card communication module 72 (antenna) of the card terminal 70.

The number of the RF debit card 40 received at the card terminal 70 is transmitted to the terminal computer 80, which is a history-based aggregation system, and is inquired in advance of the debit card number (blacklist) registered in advance. The use of debit card is approved.

In this case, when the approval of the card transaction falls, the terminal computer 80, which is a history aggregation system, sends the departure station information (station name, departure time) to the card terminal 70 installed in the ticket gate 81.

Since the card terminal 70 transmits the departure station information wirelessly to the RF debit card 40 side through the RF card communication module 72 therein, such departure station information is placed on the EEPROM inside the RF debit card 40. Will be recorded.

In this step, the wicket 81 opens its own switch 82, and at the same time, the use amount of the use can be displayed on the display of the wicket.

On the other hand, in the case where the B / L data storage module 73 as shown by the dotted line in FIG. 5 is additionally installed in the card terminal 70, the inquiry time of the RF debit card is shortened, and the construction of the system is simplified.

In this case, as in the above, the terminal computer 80 is operated at regular intervals or from time to time to receive additional B / L data provided from the host computer side of the card issuer 110 on-line, and to receive the B / L data storage module 73 Will be updated).

Then, when the passenger at the subway arrival station approaches the RF debit card 40 to the card terminal 70 on the ticket gate of the arrival station within a certain distance (100 mm), the RF debit card 40 is sent out from the card terminal 70 It is activated by the radio signal which is present and transmits the debit card number and departure station information stored in the internal EEPROM to the card terminal 70 wirelessly.

The card terminal 70 transmits the departure station information for each RF debit card obtained at this time to the terminal computer 80 installed at the arrival station.

Based on this, the terminal computer 80, which is an arrival station aggregation system, calculates the corresponding fare and immediately withdraws the corresponding charge from the bank payment account connected to the corresponding RF debit card 40 online with the center computer 90. Alternatively, the subway fare can be accumulated for a certain period of time for each RF debit card and then withdrawn from the designated account at that time.

Here, the former is a pure debit card payment system, while the latter introduces a deferred credit card element into the debit card, thereby improving the operating efficiency of the system.

In the debit card payment method with the credit card element added, the terminal computer 80, which is a history aggregation system, determines the list of debit card numbers B / L from the card issuer 110 through the center computer 90. It downloads at intervals or from time to time and updates it, and transfers the fee data for each debit card that has been approved and settled to the center computer 90.

The center computer 90 collects the calculated subway fare data and transmits it to the card issuer 110.

The card issuer 110 withdraws the payment for the subway using the debit card from the designated bank payment account of the debit card according to the settlement result and ends the payment by depositing it in the designated account of the subway operation organization 120.

Herein, the data exchange between the terminal computer 80 and the center computer 90 is performed independently of the RF debit card 40, the data exchange time between the card terminal 70 and the terminal computer 80.

This is not a time limit for the data exchange between the terminal computer 80 and the center computer 90, but the exchange of data between the RF debit card 40 and the card terminal 70 and the terminal computer 80 is due to the characteristics of the subway fare collection. This is because promptness is required.

In fact, the RF debit card check time is only 0.1 seconds (100 ms).

As such, the automatic automatic fare collection system for subway fare using RF debit cards can be used to reduce the inconvenience of cash and ticket purchases, reduce the time required to open a ticket, and connect with other transportation methods using the same debit card payment method. There is an advantage to be possible.

In addition, from the perspective of the subway operator, it is possible to improve the work efficiency by automating the fixed industry, reduce the ticket manufacturing cost and the ticketing work, and increase the speed of passenger handling by improving the ticketing efficiency. It is also possible to reduce the installation cost.

Furthermore, the present system enables debit card payment of taxi fare.

The debit card payment system for taxi fare is almost similar to the subway fare automatic collection system described above, and is constructed offline.

The difference is that the terminal computer installed in the taxi of the mobile chain is connected to the center computer connected to the VAN operator side or at regular intervals through a wireless telephone line or a wired telephone line installed in a gas station or home.

New B / L data provided from the VAN operator is inputted and updated from time to time. The data is transmitted and stored in a substantially online state to the terminal computer installed in the taxi.

However, when the debit card is approached to the card terminal installed in the taxi to pay the taxi fare using the RF debit card, the terminal computer connected to the card terminal is offline and the RF debit is applied to its own B / L data. After the card is inquired, the taxi fare will be paid if the card is in a normal state.

This offline payment amount is accumulated in the terminal computer, and when the online connection with the center computer for B / L data update is made, the accumulated offline payment amount is accumulated in the terminal computer in the taxi until then. By transferring the information, the amount charged by the VAN operator to the designated bank payment account on the debit card is transferred to its registered bank account.

In particular, the debit card payment system for taxi fares enables the issuance of taxi fares by simply connecting a printer to a terminal computer.

Such a taxi fare card payment system enables the use of taxis without cash and eliminates the inconvenience of cash transactions, and can be used in connection with other transportation described above.

The debit card system of the present invention as described above enables a debit card payment for the usage fee in all means of transportation, including buses, trains, taxis, subways and the like.

In particular, since the RF debit card applied to the present debit card system is a no battery, it is possible to solve the problem that the life of the card is determined according to the battery life, and the company including an electronic resident registration card (card) which will be given various functions. It can be effectively applied to access card, amusement facility use card, pay phone card, highway pass card.

In addition, the RF debit card of the present invention debit card, like all existing debit cards can be installed by using a magnetic strip to contact or contact as needed as needed.

Claims (7)

In the debit card to query the card information without directly contacting the card terminal, In order to move away from the embossed character formation area formed on the surface of the debit card, a plurality of continuous windings are made by a thin line between the front part and the back part of the debit card to generate induced power by radio waves received from the card terminal. An antenna coil for transmitting and receiving a signal; RF interface unit including rectifier, modulator, voltage stabilizer, and clock generator, control unit including data converter and arithmetic controller for converting serial and parallel data, and EEPROM that stores its debit card number data and various data. Including an integrated circuit composed of a memory unit, The integrated circuit is activated by the induced power to access the memory unit to wirelessly transmit its own debit card number data, and to record and store transaction information data received from the card terminal in the memory unit. Battery type RF debit card. 3. The no-battery type RF debit card according to claim 2, wherein a magnetic strip is provided on the back side of the debit card and can be selected and used in a non-contact or contact manner as necessary. RF debit card of the no battery type; At least one card terminal for communicating with the no-battery type RF debit card to read and write data in the form of an RF signal; A terminal computer connected to the at least one card terminal and a wired / wireless network, and connected to the center computer for online or offline debit card payment in a corresponding account; The no-battery type RF debit card is installed to be continuously wound along the outer circumference of the debit card to receive the radio waves of the card terminal and generate an antenna coil for self-generation and RF transmission and reception, and an integrated circuit is installed inside the antenna coil. The integrated circuit includes a memory unit having debit card number data and including an EEPROM capable of changing data. The integrated circuit receives radio waves from the card terminal and activates the integrated circuit to store the debit card number data. Implemented to transmit wirelessly, The one or more card terminals are implemented to radiate radio waves so that induced electromotive force is generated in the antenna coil of the RF debit card, and receive and transmit the debit card number data to the terminal computer. The terminal computer checks the received debit card number data on the blacklist (B / L) data downloaded from the center computer at irregular or regular intervals and determines whether to approve the transaction, thereby controlling the one or more card terminals. If approved, RF debit card system characterized in that it is implemented to settle the current online transaction price and immediately transfer to the center computer or accumulate and store the offline transaction price for each debit card number for a certain period of time. The card terminal of claim 4, wherein the card terminal comprises: RF debit card system, characterized in that for receiving the transaction information data according to the transaction approval of the debit card from the terminal computer to convert it into a wireless signal form for storage in the memory unit of the RF debit card. The RF debit card system according to claim 4 or 5, wherein the terminal computer further comprises a receipt issuer for outputting transaction details. The card terminal of claim 4, wherein the card terminal comprises: The main control module, An RF card communication module connected to the main control module to radiate radio waves and exchange data for activating the RF debit card; Transaction history storage module for storing the transaction history with the RF debit card, A terminal computer communication module for exchanging B / L data or card number data with the terminal computer; An RF debit card system comprising a user interface module covering a display device for displaying a user's card use amount and a keypad for inputting a password to prevent unauthorized use. In the debit card system including a center computer that frequently downloads transaction details (black check span data) from the debit card issuer, and collects the transaction details and sends them to the debit card issuer. A no-battery type RF debit card; At least one card terminal communicating with the no-battery type RF debit card to perform a debit card transaction black check span inquiry; A terminal computer connected by the at least one card terminal and a wired / wireless network and connected to the center computer for online or offline debit card transactions; The no-battery type RF debit card is continuously wound along the outer periphery of the card so as to deviate the embossed meme area formed on the surface of the debit card, and an antenna coil is installed, and an integrated circuit is installed inside the antenna coil. The circuit is composed of a memo pad including an EEPROM capable of changing the data on its own card number data. The integrated circuit is activated by receiving radio waves from the card terminal and wirelessly storing the debit card number data thereof. And transmit and record the received card use related information in the memo section. The at least one card terminal radiates radio waves so that induced electromotive force is generated in the antenna coil of the RF debit card, receives the debit card number data, and inquires a black check span (B / L) to determine whether to approve a transaction. The card use related information is transmitted to the RF debit card with transaction approval, and the card use related information stored in the RF debit card is read and transmitted to the terminal computer. The terminal computer uses the received card use related information to settle the price, and transmits the transaction information for online payment for each debit card number to the center computer, or accumulates and stores the transaction information for offline payment settlement from the center computer. RF debit card system characterized in that it is implemented to transmit the updated B / L data from time to time to the card terminal.