KR100726491B1 - System for Reducing Points(or Mileages), IC Card, Mobile Devices and Terminal for Function of Reducing Points(or Mileages) - Google Patents

Abstract

The present invention is stored in the memory of the user's IC card or wireless terminal according to the point (or mileage) reduction criteria information provided in a predetermined storage medium (e.g., IC card, wireless terminal, terminal device, server on the network, etc.). It is determined whether or not to reduce the point (or mileage) information is processed.

As a result, by using a wireless terminal including an IC card or a storage area, which is increasing in recent years, reference information on the point (or mileage) reduction is provided in the IC card or the wireless terminal, thereby improving the point (or mileage) reduction interface. It is convenient, and the utilization plan of IC card etc. can be prepared more widely.

Mileage, points, cuts

Description

 System for Reducing Points (or Mileages), IC Card, Mobile Devices and Terminal for Function of Reducing Points (or Mileages)}

1 is a simple functional block diagram of an IC card equipped with a function of reducing points (or mileage) according to a preferred embodiment of the present invention.

2 is a simple data model for storage information related to a point (or mileage) reduction function mounted on an IC card according to a preferred embodiment of the present invention.

Figure 3 is a simple flowchart of the operation of the IC card with a point (or mileage) reduction function according to a preferred embodiment of the present invention.

4 is a simplified functional configuration diagram of a wireless terminal equipped with a function of reducing points (or mileage) according to another preferred embodiment of the present invention.

5 is a simple flowchart illustrating an operation process of a wireless terminal equipped with a function of reducing points (or miles) according to another exemplary embodiment of the present invention.

6 is a simplified functional configuration diagram of a terminal apparatus equipped with a function of reducing points (or mileage) according to another exemplary embodiment of the present invention.

7 is a simple flowchart illustrating an operation process of a terminal device having a function of reducing points (or mileages) according to another exemplary embodiment of the present invention.

8 is a simplified block diagram of a system for reducing points (or miles) according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: IC card 105: IC chip

110: input and output interface 115: processor

120: memory 125: storage information

400: wireless terminal 405: control unit

410: processor 415: memory

420: transceiver

600: terminal device 605: control unit

610: processor 615: interface

620: memory 625: screen output unit

630: transaction communication unit 635: key input unit

The present invention relates to an input / output interface for inputting and outputting predetermined data, a memory having predetermined point (or mileage) information and reference data for reducing points (or mileage), and interworking with a predetermined terminal through the input / output interface. An IC equipped with a point (or mileage) reduction function, comprising a processor for operating an application for reducing points (or mileage) stored in the memory based on point (or mileage) reduction criteria information stored in the memory. It's about the card.

Points (or mileage) is a means of sales promotion to attract more customers, and earn points corresponding to a predetermined financial transaction amount and / or payment amount during the financial transaction and / or payment process for a specific product or service, and earn When a given point (or mileage) exceeds a predetermined threshold, the customer is given the right to use a corresponding service and purchase a product, and the latest MS (Magnetic Stripe) card and / or IC card and / or wireless terminal As electronic financial transactions and / or electronic payment using IC chips mounted or detached become popular, predetermined loyalty points corresponding to the predetermined financial transaction amount and / or payment amount in the electronic financial transaction and / or electronic payment process Has been developed by electronically accumulating in the storage media on the network.

However, in the point (or mileage) service, the reduction of the point (or mileage) (e.g. membership withdrawal, card expiration date, point (or mileage) period of use, etc.) is mainly the point (or mileage) provider. (Eg, a server or a storage medium on a network, etc.), etc., whereby the reduction of the point (or mileage) is a storage means (eg, IC card or wireless terminal, etc.) for storing the point (or mileage) information. Has a problem that must be implemented to approach a point (or mileage) provider on the network.

In order to solve the above problems, an object of the present invention is to provide an IC card equipped with point (or mileage) reduction reference information for reducing predetermined point (or mileage) information stored in an IC card or a wireless terminal. The present invention provides a wireless terminal.

It is another object of the present invention to provide a terminal apparatus in which point (or mileage) reduction reference information for reducing predetermined point (or mileage) information stored in an IC card or a wireless terminal is stored.

In addition, another object of the present invention is to reduce the point (or mileage) information stored in the IC card or the wireless terminal, the storage medium and terminal device on the network in which the point (or mileage) reduction reference information is stored and the IC card (Or wireless terminal) to provide a point (or mileage) reduction system.

In order to achieve the above object, an IC card equipped with a point (or mileage) reduction function according to the present invention includes an input / output interface for inputting and outputting predetermined data, predetermined point (or mileage) information and the point (or mileage). An application that reduces points (or mileage) stored in the memory based on the point (or mileage) reduction reference information stored in the memory in association with a predetermined terminal through the memory having the reduction reference information and the input / output interface. And a processor for operating.

Preferably, the point (or mileage) information stored in the memory is characterized in that it comprises the point (or mileage) information and the date and time of accumulation of the point (or mileage).

In addition, the reduction criteria information of the points (or mileage) stored in the memory is based on the reduction criteria based on the elapse of the point (or mileage) validity period, the reduction criteria based on the elapsed membership (or card) validity period and / or membership withdrawal, It may be made by including at least one or more reduction criteria according to whether the payment is overdue.

In addition, the wireless terminal device having a point (or mileage) reduction function according to the present invention includes a memory having predetermined point (or mileage) information and reference information for reducing the point (or mileage) and a point (or And a processor for operating an application for reducing points (or mileage) stored in the memory based on mileage reduction reference information.

On the other hand, the present invention is characterized in that it is provided in the IC card and / or a wireless terminal, characterized in that it comprises a predetermined recording medium for computer-readable functions for implementing the present invention.

Preferably, the recording medium has a function of storing and managing predetermined point (or mileage) information and reduction reference information of the point (or mileage) in a predetermined memory and the point (or mileage) reduction reference information stored in the memory. On the basis of this, a program for realizing a function of reducing points (or mileage) stored in the memory is recorded.

Here, when the program recorded in the recording medium includes a point (or mileage) expiration date included in the point (or mileage) reduction reference information stored in the memory, the accumulated date and time of the point (or mileage) stored in the memory After confirming, the function of reducing the point (or mileage) stored in the memory according to whether the validity period of the point (or mileage) has elapsed is further realized.

In addition, the program includes the reduction criteria according to whether the member (or card) validity period has passed and / or whether the member withdraws, and / or whether the payment is overdue or not, in the point (or mileage) reduction criteria information stored in the memory. In this case, after confirming whether the membership (or card) validity period has passed, and / or whether the member withdraws, and / or whether the payment is overdue, the function of reducing points (or mileage) stored in the memory is further realized. It is done.

In addition, a terminal device having a function of reducing points (or mileages) according to the present invention is an interface and a point (or mileage) that processes data transmission and reception with an IC card or a wireless terminal that stores predetermined point (or mileage) information. It is determined whether or not to reduce the point (or mileage) information stored in the IC card or the wireless terminal in conjunction with a storage medium for storing and managing the reduction criteria information of the IC card. And a processor for operating an application for reducing and processing point (or mileage) information stored in the wireless terminal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simple functional block diagram of an IC card 100 equipped with a function of reducing a point (or mileage) according to a preferred embodiment of the present invention.

Referring to FIG. 1, an IC card 100 having a predetermined function for reducing points (or mileage) according to the present invention refers to a standard including ISO / IEC 7816 and / or ISO / IEC 14443. IC chip 105 may be configured.

Preferably, the IC chip 105 included in the IC card 100 includes an input / output interface 110, a process 115, and a memory 120 required for the point (or mileage) reduction.

In more detail, the input / output interface 110 may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and / or an input / output (I / O). Communication with an external terminal device (e.g., a card terminal device, etc.) or the like (e.g., command or data exchange required for point or mileage reduction) or the like.

In addition, the process 115 may include at least one or more computing elements including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, and the processor 115. ) Refers to the point (or mileage) reduction reference information stored in the memory 120 of the IC chip 105 in conjunction with an external terminal device through the input / output interface 110, and the point stored in the memory 120 ( Or mileage reduction).

In addition, the memory 120 of the IC chip 105 includes at least one of a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. It may be made of a memory device.

Here, at least one memory device included in the memory 120 may store a Chip Operating System (COS) that manages and operates an internal resource of the IC card 100. When predetermined power is supplied from an external terminal device through a power supply (VCC) contact point of 110, the COS stored in the memory 120 is loaded into a predetermined execution memory to control the overall operation of the IC chip 105. And exchange information or data between the IC chip 105 and an external terminal device through an application protocol data unit (APDU) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point of the clock signal CLK. Can be controlled.

In particular, the memory 120 of the IC chip 105 includes predetermined storage information 125 required for the processor 115 to operate a point (or mileage) reduction application according to the present invention through the process 115. ) Is memorized.

Here, the storage information 125 stored in the memory 120 of the IC chip 105 may include predetermined point (or mileage) information, the point (or mileage) reduction reference information, and the like. 125 is a data storage unit (not shown) that stores a data set corresponding to predetermined information or data that is read and / or used by a predetermined terminal program, and / or the processor 115. A program routine (for example, a Java applet in the case of a Javacard) used by the terminal program and operated by an operation set and an instruction set provided by the COS. A processing unit (not shown) corresponding to an application including an instruction call code that interacts with an instruction set and execution code that is processed by the processor 115. The processor may read a command provided from the terminal program via the input / output interface 110 through an APDU, and at least one or more information stored in the data storage unit based on the read command. Alternatively, data may be read or recorded, and the result or read information or data may be provided to the terminal program via the input / output interface 110 through the APDU.

In addition, the memory 120 of the IC chip 105 includes a protected area in which secret information such as a chip serial number (CSN) is stored, a COS control area, a user application area, a read / write access area, an application program area, and It may include a security structure based on ISO / IEC 10202, including a FAT (File Allocation Table) management area, etc., wherein the storage information 125 required for point (or mileage) reduction according to the present invention is It is preferably stored in an area except the protection area and the COS control area.

Here, when the point (or mileage) validity period is included in the point (or mileage) reduction reference information stored in the memory 120, the application interoperates with a predetermined terminal through the input / output interface 110, and the memory After confirming the accumulated date and time of the points (or mileage) stored in the 120, the operation to reduce the points (or mileage) stored in the memory 120 according to whether the valid period of the points (or mileage).

In addition, the application is based on the point (or mileage) reduction criteria information stored in the memory 120, the reduction criteria according to whether the member (or card) validity period has passed and / or whether or not the member withdraws and / or whether the payment amount is overdue If included, in conjunction with a predetermined terminal via the input and output interface 110, after confirming whether the member (or card) validity period has passed, and / or whether the member withdrawal, and / or payment payment overdue, It is possible to reduce the points (or mileage) stored in the memory.

2 is a simple data model of the storage information 125 related to the point (or mileage) reduction function mounted on the IC card 100 according to the preferred embodiment of the present invention.

2 is stored in the memory 120 of the IC card 100 equipped with the point (or mileage) reduction function shown in FIG. 1 and stored information 125 required for the operation of the point (or mileage) reduction application. The point (or mileage) information data (or application) and the point (or mileage) reduction reference information data (or application) recorded in the.

Referring to FIG. 2, the storage information 125 related to point (or mileage) reduction stored in the memory 120 of the IC card 100 may be defined by ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard. have. For example, the point (or mileage) reduction-related storage information 125 is a master file (MF) corresponding to the root file (Root File) and a function for at least one or more storage information under the master file (Root File) Answer To Reset (ATR) containing information, at least one dedicated file (DF) corresponding to each ICC stored information, and substantive information for smart card services disposed under the dedicated file and / or Or it may be implemented on a file structure consisting of an element file (EF) containing data.

Here, a detailed description of the file structure and the like on the above-described financial IC chip 105 file structure, mainly for those skilled in the art, will be omitted to further emphasize the purpose of the present invention. The storage information 125 shown in FIG. 2 specifies that at least one dedicated file (DF) and / or at least one element file (EF) may be implemented.

In addition, it is apparent that the technical spirit of the present invention is not limited and can be easily changed and used by those skilled in the art.

In more detail, the point (or mileage) reduction-related storage information 125 may be configured to include point (or mileage) information and point (or mileage) reduction reference information, the point (or mileage) information is a point (Or mileage), the date and time when the earned (or reduced) event occurred, the information of the accumulated (or reduced) points (or mileage), the remaining points (or mileage) information and points according to the accumulated (or reduced) Or mileage) usage expiration date information.

The point (or mileage) reduction reference information may be used as point (or mileage) reduction reference information required for operating a point (or mileage) reduction application through the processor 115 of the IC chip 105. You can record the expiration date, withdrawal of membership, the expiration date of card use, and the overdue payment.

For example, a point (or mileage) earned by a user has passed a certain period of validity, the user withdraws from a point (or mileage) provider, or the card has a valid period of use. In the event that the elapsed payment or the payment of the user card or the mobile phone is overdue, it is preferable that points (or mileage) stored in the IC card 100 be reduced according to the present invention.

3 is a simple flowchart of an operation process of the IC card 100 equipped with a point (or mileage) reduction function according to a preferred embodiment of the present invention.

3 is a simple operation method of the IC card 100 provided with the point (or mileage) reduction storage information 125. The processor 115 provided in the IC card 100 in conjunction with the card terminal device is a point. (Or mileage) Reduction application.

In addition, the point (or mileage) reduction stored information 125 is stored in the memory 120 of the IC card 100 and / or card issuer or in the process of the user is first issued the IC card 100; Please note that you can get a post-issue from a service provider.

Referring to FIG. 3 according to a preferred embodiment of the present invention, in order for the IC card 100 provided with the point (or mileage) reduction storage information 125 to operate for the first time, the point provided in the IC card 100 is provided. (Or mileage) to be initiated by inserting the IC card 100 into a card interface (e.g., a card reader such as a CAD (Card Acceptance Device), etc.) of a card terminal device equipped with a predetermined terminal program to be linked with an application. It may be 300.

When the IC card 100 is inserted into a card interface of the card terminal device as described above, the card terminal device is configured to supply a predetermined power source for operating the IC card 100 through the VCC of the IC card 100. For example, when 3V or 5V is supplied, an initialization operation for starting the operation of the IC card 100 is performed through RST, and the IC card 100 is normally initialized, the card terminal device sets a predetermined PIN (Personal). The validity of the IC card 100 is determined by inputting an Identification Number (305).

 If the validity of the IC card 100 is authenticated (310), the card terminal apparatus stores the point (or mileage) reduction reference information stored in the memory 120 of the IC card 100 based on the APDU. The request command is transmitted to the IC card 100 (315).

Here, the method for selecting the point (or mileage) related storage information 125 according to the present invention from the at least one or more storage information provided in the IC card 100 by the card terminal device, 2 is assigned to each file Selection method by file identifier using byte identifier, selection method by path, selection method by element file (EF) identifier using 5-bit identifier between 0 and 30 assigned to each element file. It may include.

When a command for requesting point (or mileage) reduction reference information is received from the IC card 100 as described above, the IC card 100 decreases a point (or mileage) stored in a memory on the IC chip 105. Point (or mileage) reduction reference information is read from the stored information and transmitted to the card terminal device through the APDU (320).

Here, the storage information 125 may pre-store data bytes corresponding to the response to the SELECT FILE command transmitted by the terminal program provided in the card terminal device to the IC card 100, and ISO / IEC 7816- BER defined in TABLE 2 of ISO / IEC 7816-4 and / or FCP templates that convey Basic Encoding Rules-Tag, Length, Value (BER-TLV) data objects File Control Parameters (FCP) defined in TABLE 2 of Table 4. -TLV data object may include an FMD template for delivering the File Management Data (FMD) and / or FCI template for delivering the FCP and FMD. In this case, the template may be searched according to the selection of the SELECT FILE command. Generally, the corresponding template is mandatory when the FCP or FMD selection is determined, and the use of the FCI template is optional when the FCI selection is determined.

When the point (or mileage) reduction reference information read out from the memory of the IC card 100 is transmitted to the card terminal device, the card terminal device generates a point (or mileage) based on the transmitted point (or mileage) reduction reference information. The mileage reduction event is determined (325).

For example, the card terminal device determines whether the expiration date of the use of the IC card 100 user point is expired, the membership withdrawal is expired, the card expiration date is expired, and whether payment is overdue based on the transmitted point (or mileage) reduction criteria information. By confirming such or the like, it is possible to determine whether or not the points (or mileages) are reduced.

If, as a result of determining whether the points (or mileages) is reduced, the point (or mileages) reduction according to the present invention is required (330), the card terminal device points to the IC card 100 based on APDU (or In order to reduce the mileage, a command for driving the point (or mileage) reduction application is transmitted (335).

Then, the processor 115 included in the IC card 100 drives the point (or mileage) reduction application according to a command for requesting to drive the point (or mileage) reduction application (340).

As described above, when the point (or mileage) reduction application is driven by the processor 115, the application checks the point (or mileage) information from the memory 120 of the IC card 100 (345), In operation 350, the point (or mileage) information is updated by reducing the point (or mileage) information stored in the memory according to the point (or mileage) reduction reference information.

4 is a simplified functional block diagram of a wireless terminal 400 having a function of reducing points (or mileage) according to another exemplary embodiment of the present invention.

Figure 4 shows a memory 415 and points stored in the memory 415 for recording predetermined point (or mileage) information and reference data for reducing points (or mileage) for point (or mileage) reduction according to the present invention. (Or mileage) The present invention relates to a wireless terminal 400 having a processor for operating an application for reducing points (or mileage) stored in the memory 415 based on reference information.

Referring to FIG. 4, the illustrated wireless terminal 400 includes a controller 405 for controlling and managing the overall functions of the wireless terminal 400, and a transceiver 425 that provides an interface for communicating with an external terminal device. And a memory 415 for storing point (or mileage) reduction information for point (or mileage) reduction according to the present invention.

In addition, the wireless terminal 400 may be configured to include a hardware (body), a speaker and a microphone, a keypad, a liquid crystal display (LCD), an antenna and a battery in hardware, and internally code CDMA (Code) Division Multiple Access (CDMA), a predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) that incorporates functions such as a modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), a vocoder, various memory devices, A duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high power transmission signal from returning in reverse RF / IF SAW filter for eliminating out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and VCTCXO (Voltage Controlled) for reference clock source Temperature Compensated X-tal Oscillator), a UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal.

According to FIG. 4, the control unit 405 of the wireless terminal 400 includes a processor 410 including an CPU / MPU provided in the modem chip in hardware and an execution memory, and the wireless terminal from a predetermined memory element. It may include a predetermined program routine (Routine) and / or a bus (BUS) for inputting and outputting the program data for providing a specific function and a predetermined electronic circuit (or integrated circuit) provided therefor.

In addition, the controller 405 may be programmed into a program memory and / or program data loaded into the execution memory from a predetermined memory device and / or chipset by the processor 410 to perform a specific function. As a generic term, various functions intended to be implemented in the wireless terminal 400 by the control unit 405 may be realized.

In particular, the processor 410 provided in the controller 405 is stored in the memory 415 based on the point (or mileage) reduction reference information stored in the memory 415 of the wireless terminal 400 according to the present invention. It is characterized by operating an application that reduces points (or mileage).

The memory 415 included in the wireless terminal 400 may be configured by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 400. A general term for a memory device that stores information and / or data input / output when an operation is performed, and includes a read only memory (ROM) corresponding to a read-only memory, a flash memory capable of reading / writing, And an EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or an IC chip 105.

Here, the ROM may store system information that should not be deleted, and the flash memory may include an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 400 and information or data therefor. The EEPROM may include a terminal registration related parameter and a phone number (eg, an address book) or at least one or more information extracted and / or generated while executing an application provided in the wireless terminal 400. It is preferable that data or the like is stored.

According to a preferred embodiment of the present invention, the memory 415 includes point (or mileage) information and point (or mileage) reduction reference information referred to when the point (or mileage) information is reduced. It is preferably stored in the form of program data.

Here, the reduction criteria information of the points (or mileage) stored in the memory 415 is a reduction criteria based on the elapse of the point (or mileage) validity period, the reduction based on the elapsed membership (or card) validity period and / or whether the member withdrawal It may be made by including at least one criterion and a reduction criterion according to whether the payment is overdue.

Further, the memory 415 preferably stores a point (or mileage) reduction application for the point (or mileage) reduction in the form of program routines and / or program data.

According to the present invention, the application is linked to a predetermined server or terminal through the communication network in the wireless terminal 400, based on the point (or mileage) reduction reference information stored in the memory, the memory 415 You can reduce the points (or mileage) stored in the).

In addition, when the point (or mileage) validity period is included in the point (or mileage) reduction reference information stored in the memory 415 in the wireless terminal 400, the application stores the point ( Alternatively, after confirming the mileage accumulation point, it is possible to reduce the point (or mileage) stored in the memory 415 according to whether the validity period of the point (or mileage).

In addition, the application may be based on the point (or mileage) reduction criteria information stored in the memory 415, the reduction criteria according to whether the member (or card) validity period has passed and / or whether or not the member withdraws and / or whether the payment amount is overdue or not. Is included, the operation of reducing the points (or mileage) stored in the memory 415 after confirming whether the member (or card) validity period has passed, and / or whether the member withdraws, and / or whether the payment is overdue Can be performed.

In addition, the transceiver 425 of the wireless terminal 400 is a location registration and / or slot mode and / or power control (Power Control) and to implement the mobile communication function of the wireless terminal 400 The wireless terminal 400 is connected to the mobile communication network through a CDMA wireless access technology including hand-off and / or call processing procedures.

In addition, the transmitting / receiving unit is an RF unit (eg, antenna control, modulation, synthesis, amplification of radio frequency signals) that performs transmission and reception of radio frequency signals with a mobile base station corresponding to an end of the mobile communication network while providing the mobile communication service. And / or perform filtering and the like.

In addition, the transceiver 425 is connected to and / or maintain a service host (for example, maintaining the connection using the SCR (Standard Context Routing) protocol) and / or hand-over (over-the-air) via a wireless dedicated packet communication network The wireless terminal may be connected to the wireless dedicated packet communication network and provide a predetermined wireless dedicated packet communication service through a wireless access technology including RD-LAP based packet assembly and / or disassembly.

In addition, the transceiver 425 may further include a predetermined module (eg, RF, infrared, Bluetooth, Zigbee, UWB, Wi-Fi module, etc.) for communicating with an external terminal device.

5 is a simple flowchart illustrating an operation process of a wireless terminal 400 having a function of reducing points (or mileages) according to another exemplary embodiment of the present invention.

5 illustrates a simple operation method of the wireless terminal 400 having the point (or mileage) reduction information stored therein, which is linked to a control unit 405 of the wireless terminal 400 in association with a server (or a terminal) on a communication network. The provided processor 410 may operate a point (or mileage) reduction application, and the point (or mileage) reduction stored information may be stored in the wireless terminal 400 memory 415 and / or the wireless terminal 400. Is preferably stored in the detachable IC chip 105.

Referring to FIG. 5, according to the present invention, a wireless terminal 400 having a point (or mileage) reduction function connects to a predetermined server (or terminal) through a communication network (for example, a wireless communication network). This embodiment may be started from the process in which the communication channel between the wireless terminal 400 and the server is formed (500).

In this case, the wireless terminal 400 reduces point (or mileage) information and / or point (or mileage) information stored in the wireless terminal 400 memory 415 to a server (or terminal) through the formed communication channel. Reference information may be provided, and the server (or terminal) may transmit the wireless terminal 400 to the wireless terminal 400 based on the point (or mileage) reduction reference information provided from the wireless terminal 400. A point (or mileage) reduction provided at may transmit a predetermined code (or data) for executing the application (505).

Here, a predetermined code (or data) for executing the point (or mileage) reduction application is a code (or data) corresponding to the point (or mileage) reduction reference information stored in the memory 415 of the wireless terminal 400. Can be.

Then, the wireless terminal 400 reduces the points (or mileage) provided in the wireless terminal 400 based on the point (or mileage) reduction application execution code (or data) transmitted from the server (or the terminal). Run the application (510).

In the process of executing a point (or mileage) reduction application provided in the wireless terminal 400, the application may store point (or mileage) information and the point (or mileage) information stored in the memory 415 of the wireless terminal 400. In step 520, the reference value is extracted (515), and the reference point (or mileage) reduction reference information extracted corresponding to the application execution code is used to determine whether the point (or mileage) is reduced (520).

If it is determined that the point (or mileage) is reduced, it is necessary to reduce the point (or mileage) stored in the memory 415 of the wireless terminal 400 (525), and the application extracts the extracted point (or mileage). In step 530, the point (or mileage) is reduced according to the reduction reference information, and the point (or mileage) information stored in the memory 415 is updated according to the reduced point (or mileage) processing details (535). ).

6 is a simplified functional configuration diagram of a terminal device 600 having a function of reducing points (or mileages) according to another exemplary embodiment of the present invention.

Referring to FIG. 6, the illustrated terminal device 600 may include a credit card payment terminal, a wireless payment terminal, a POS terminal, an ATM, a KIOSK, and the like.

Basically, the terminal device 600 may be configured to include a controller 605, an interface 615, and a memory 620, and further include a screen output unit 625 necessary for operating the terminal device 600. And a key input unit 635, a transaction communication unit 630, and other additional devices.

Preferably, the control unit 605 of the terminal device 600 controls the overall operation of the terminal device 600 in terms of function configuration, and manages and controls the flow of information or data between each component.

In addition, the controller 605 is a hardware bus for inputting and outputting at least one or more processors 610 including a central processing unit (CPU) / microprocessor unit (MPU), an execution memory (for example, a register), and predetermined data. (BUS) and at least one electronic circuit (or integrated circuit) therefor, and according to the present invention, the terminal (600) memory 620 or the point (or mileage) reduction reference information stored in the external storage medium according to the present invention. Therefore, it is characterized in that it comprises a predetermined electronic functional component (for example, a processor) for determining whether to reduce the point (or mileage) information stored in the user IC card or the wireless terminal.

In addition, the controller 605 is loaded by the processor 610 and loaded into the execution memory from a predetermined recording medium provided in the terminal device 60 to perform a function unique to the software. It comprises a predetermined program routine (Routine) and / or program data to be processed. Here, the controller 605 may include a predetermined operating system and / or a terminal control program routine for managing the terminal device 600 after the terminal device 600 is booted by software. .

More specifically, when the user IC card 100 or the wireless terminal 400 in which the point (or mileage) information is stored is approached to the controller 605 of the terminal device 600, the terminal device 600 memory 620 Or receiving point (or mileage) reduction standard information from an external storage medium, and determining whether to reduce point (or mileage) information stored in the IC card 100 or the wireless terminal 400. In accordance with, it is characterized in that it comprises a processor 610 for operating an application for reducing the point (or mileage) information stored in the IC card 100 or the wireless terminal 400.

Here, the storage medium is provided in the IC chip 105, and / or provided in the wireless terminal 400, and / or provided in the terminal device 600 according to the implementation method of those skilled in the art, and / Or a server on a network.

Preferably, the memory 620 of the terminal device 600 illustrated in FIG. 6 may be configured such that the controller 605 has a predetermined control function (for example, a card information recognition / read function, a point (or mileage) reduction function, etc.). At least one or more storage means for storing at least one information or data required to perform the operation, and including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), and HDD (Hard Disk Drive). And a predetermined program routine and program data required by the controller 605 to perform a predetermined control function in software (for example, data input or outputted by the program routine to perform a predetermined function). It may be made, including.

In addition, the storage means may include a storage means detachable to the terminal device 600.

According to a preferred embodiment of the present invention, the memory 620 includes program routines and program data required for the operation of a point (or mileage) reduction processing application executed through the processor 610 of the controller 605. It is characterized by.

The memory 620 may further include point (or mileage) reduction reference information required in the process of executing the point (or mileage) reduction processing application through the processor 610 of the controller 605. It is done.

Here, the point (or mileage) reduction reference information is obtained from the server (or terminal) through a network (for example, VAN, financial community network, ADSL, or wireless data communication network, etc.), or of the operator of the terminal device 600 The data may be obtained through key manipulation or memory 620 update and may be stored in the memory 620.

Preferably, the screen output unit 625 of the terminal device 600 is output by the control unit 605 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). At least one information or data that is predefined or defined in real time may be output, and at this time, the key data and the terminal device 600 which are input through the key input unit 635 to the information or data predefined to be output on the screen. Information stored or generated by a component included in the information), information transmitted / received through the transaction communication unit 630, information read from the IC card 100 or the wireless terminal 400 through the interface 615 and the terminal device It may include data corresponding to a predetermined operation result performed at 600.

For example, the screen output unit 625 may be an IC card 100 interworking with the terminal device 600 according to the point (or mileage) reduction reference information stored in a storage medium (eg, a memory in the terminal device) according to the present invention. ) Or when the points (or mileage) stored in the wireless terminal 400 is required, the terminal device 600 may reduce the points (or mileage) stored in the wireless terminal 400. Data can be output.

Preferably, the key input unit 635 of the terminal device 635 includes a plurality of number keys, a character key for inputting a character, a function key, and the like. From the key input means of the terminal device 600 operator and / or user (for example, card or wireless terminal user, etc.) to input the corresponding key data (Key Data) generated by clicking a predetermined key to the control unit 605 In this case, the control unit 605 reads key data input through the key input unit 635 and predetermined predetermined data corresponding to the key data in association with at least one component provided in the terminal device 600. You can control functions and / or predefined tasks.

The interface 615 of the terminal device 600 is connected to the user IC card 100 or the wireless terminal 400 in contact or non-contact according to a preferred embodiment of the present invention, the IC card 100 Or card information (eg, a unique code such as a card number) or wireless terminal information (eg, a unique code such as a wireless terminal number) from the wireless terminal 400 and the IC card 100 memory 120 or a wireless terminal. (400) It is characterized by reading the point (or mileage) information recorded in the memory 415.

For example, when the terminal device 600 interworks with the IC card 100, the interface 615 may be an MS reader unit and / or ISO interfaced with an MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard. And a contact IC reader interface interfacing with a contact integrated circuit (IC) card based on / IEC 7816 standard and / or a contactless IC reader interface interfacing with a contactless IC card based on ISO / IEC 14443 standard.

Preferably, the transaction communication unit 630 of the terminal device 600 provides a communication means for performing a transaction function (for example, a predetermined data transaction function with a higher server) provided in the terminal device 600 and Wired or wireless network through at least one wired network including a hardware added value added network (VAN), a financial common network or an asymmetric digital subscriber line (ADSL), and at least one wireless network including a mobile communication network or a wireless data communication network. A network communication unit providing transactional communication with a server on the network and / or a cable communication unit and / or infrared ray providing transactional communication with an external communication device through a predetermined cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) (Infrared Ray) Communication, RF (Radio Frequency) Communication, Bluetooth (BlueTooth), Wireless LAN, Wi-Fi, It may be configured to include a local area communication unit for providing a transactional communication with a local area communication device (eg, wireless terminal, etc.) through at least one local area wireless communication including UWB (Ultra Wide Band), ZigBee, etc. And communications protocols and communications applications for providing transactional communications.

Meanwhile, in addition to the components shown in FIG. 6, the terminal device 600 may include an infrared communication unit and / or a secure application module (SAM) for wireless or infrared payment. It will be apparent to those skilled in the art that the invention has been omitted since it will be obvious.

7 is a simple flowchart illustrating an operation process of a terminal device 600 having a function of reducing a point (or mileage) according to another exemplary embodiment of the present invention.

7 is a storage medium in which IC card 100 storing point (or mileage) information or a terminal device 600 transmitting / receiving data with a wireless terminal 400 stores and manages reference point reduction information of points (or mileage) ( For example, in conjunction with a memory in the terminal device, it is determined whether or not to reduce the point (or mileage) information stored in the IC card 100 or the wireless terminal 400, and if the determination result, the reduction criteria, Point (or mileage) information stored in the IC card 100 or the wireless terminal 400 is reduced.

In particular, the embodiment shown in this figure is characterized in that the storage medium for storing and managing the reduction reference information of the point (or mileage) is provided in the memory 620 in the terminal device 600.

Referring to FIG. 7, a process of inserting the IC card 100 for storing point (or mileage) information in a predetermined card interface 615 provided in the terminal device 600 as shown in FIG. It may be initiated from (700).

When the IC card 100 is inserted into the card interface 615 of the terminal device 600, the terminal device 600 transmits power required for driving the inserted IC card 100 to the IC card 100. In operation 705, the validity judgment of the IC card 100 is performed.

When the validity of the IC card 100 is authenticated (710), the terminal device 600 transmits the point (or mileage) information stored in the memory 120 of the IC card 100 to the IC card 100 through an APDU. The request is sent (715). Then, the IC card 120 extracts point (or mileage) information stored in the memory of the IC card 100 according to the command of the terminal device 600, and extracts the extracted point (or mileage) information. In operation 720, the response including the response is transmitted to the terminal device 600 through an APDU.

As illustrated in FIG. 6, the terminal device 600 extracts point (or mileage) reduction reference information stored in the memory 620 in the terminal device 600 (725).

Here, the point (or mileage) reduction criteria information is based on the reduction criteria based on the point (or mileage) expiration date, the reduction criteria based on the member (or card) validity period and / or withdrawal of the membership, and whether or not the payment It may be made by including at least one reduction criteria according to.

As described above, when the point (or mileage) reduction reference information stored in the memory 620 in the terminal device 600 is extracted, the terminal device 600 refers to the extracted point (or mileage) reduction reference information. In operation 730, it is determined whether the point (or mileage) information received from the IC card 100 is reduced.

If the terminal device 600 compares the point (or mileage) information received from the IC card 100 with the point (or mileage) reduction reference information, the validity period of the point (or mileage) has elapsed. If there is an overdue payment and / or payment, the terminal device 600 determines to reduce the points (or mileage) in the IC card 100 (735).

Accordingly, the terminal device 600 drives the point (or mileage) reduction application through the processor 610 of the controller 605 in the terminal device 600 (740), and the point (or mileage) reduction reference information Accordingly, the point (or mileage) of the IC card 100 is reduced (745).

In addition, the terminal device 600 transmits the reduced point (or mileage) information to the IC card 100 through the APDU (750), the IC card 100 from the terminal device 600 The transmitted reduced point (or mileage) information is stored in the memory 620 in the IC card 100 (755).

8 is a simplified schematic diagram of a system for reducing points (or miles) according to another preferred embodiment of the present invention.

Referring to FIG. 8, the illustrated point (or mileage) reduction system includes a storage medium 805 for storing and managing point reference (or mileage) reduction reference information, and an IC chip for storing predetermined point (or mileage) information. And a terminal device 600 that reduces points (or mileage) stored in the IC chip 105 on the basis of the reference information of the point (or mileage) reduction in association with the 105 and the storage medium 805. It is characterized by comprising.

Here, the storage medium 805 is provided on the IC chip 105 of the IC card 100 as shown in FIG. 1 and / or the wireless terminal on which the IC chip 105 is mounted as shown in FIG. 400, and / or the terminal device 600 as shown in FIG. 6, and / or the server 800 on the network as shown in FIG. 8.

According to the embodiment of FIG. 8, the terminal device 600 may obtain the point (or mileage) information from the IC card 100 or the wireless terminal 400 in which point (or mileage) information is recorded. In addition, the terminal device 600 may be provided by requesting the point (or mileage) reduction reference information to determine whether to reduce the point (or mileage) from the server 800 (or the storage medium 805) on the network. have.

According to the present invention, the memory of the user's IC card or wireless terminal according to the point (or mileage) reduction reference information provided in a predetermined storage medium (e.g., IC card, wireless terminal, terminal device, server on a network, etc.). Determining whether or not to reduce the point (or mileage) information stored in the information processing to reduce the point (or mileage) in the IC card or wireless terminal using a wireless terminal including the IC card or the storage area that is recently increasing trend By providing reference information, the point (or mileage) reduction interface is more convenient, and there is an advantage that a wider method of using an IC card can be prepared.

Claims (5)

A storage medium that stores and manages reference information for reducing points (or mileage); A memory for storing predetermined point (or mileage) information; And And a terminal device for reducing points (or mileage) stored in the memory based on the reference data for reducing points (or mileage) in association with the storage medium. system. The method of claim 1, wherein the storage medium, Provided in the memory, or It is provided in the wireless terminal equipped with the memory, or It is provided in the terminal device, or Point (or mileage) reduction system, characterized in that provided in the server on the network. According to claim 1, Point (or mileage) information stored in the memory, Point (or mileage) reduction system comprising a point (or mileage) information and the date and time of accumulation of the point (or mileage). According to claim 1, Reduction reference information of the point (or mileage), Criteria for the reduction of points (or miles) validity period, Reduction criteria based on the expiration of the membership (or card) validity or withdrawal of membership, Point (or mileage) reduction system, characterized in that it comprises at least one or more reduction criteria according to whether or not overdue payment. The method of claim 1 or 2, wherein the memory, A point (or mileage) reduction system comprising an IC chip.

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