KR100819140B1 - Mobile tag and cashing method using the same - Google Patents

Abstract

A mobile tag and a cash payment method using the same are provided to recharge the cash to an RFID(Radio Frequency IDentification) type mobile tag and pay the recharged cash without requiring any external server, thereby enabling a user to use a mobile terminal as cash. A mobile tag(20) includes an antenna(41), a memory(44) storing authentication information, an MPU(Micro Processor Unit)(43), and a battery(45), and is connected to a mobile terminal through a 24-pin connector installed for data communication and power recharging. When an external reader requests cash payment, the antenna informs the MPU of a cash payment request. The MPU performs the cash payment by offsetting cash information stored in the memory in response to the cash payment request and informs the external reader of an offset result. The battery operates the memory and the MPU, and is recharged by power of the mobile terminal.

Description

Mobile tag and cash payment method using the same {Mobile tag and cashing method using the same}

1 is a view for explaining the Korean Patent Publication No. 10-2006-0016288,

2 is a view for explaining Korean Patent Publication No. 10-2006-0061074;

3 is a view for explaining a cash payment method using a mobile tag according to an embodiment of the present invention,

4 is a view for explaining a cash payment method using a mobile tag according to another embodiment of the present invention;

5 is a diagram conceptually illustrating an interface between a mobile tag and a mobile terminal illustrated in FIGS. 3 and 4;

6 is a block diagram of a portable terminal having a mobile tag embedded therein;

7 is a block diagram of a mobile tag according to an embodiment of the present invention;

8 is a diagram illustrating an example in which the mobile tag illustrated in FIG. 7 is combined with a mobile terminal;

9 is a diagram illustrating another example of a mobile tag applied to the mobile terminal shown in FIG. 6;

FIG. 10 is a diagram illustrating an example of a mobile tag applicable to FIG. 5 or 6.

11 is a diagram illustrating an example in which a SIM card is mounted on a mobile terminal;

12 is a schematic block diagram of an antenna formed on a surface of a smart card (or SIM card), and a mobile tag including the antenna;

13 is a flowchart illustrating an example of a cash payment method using a mobile tag according to the present invention;

14 is a flowchart illustrating an example of a ticket payment method using a mobile tag according to the present invention;

15 is a flowchart according to an example of a method of updating a point using a mobile tag according to the present invention; and

16 to 18 show an example in which the mobile tag according to the present invention is applied to an aviation service.

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

100: portable terminal 200: RFID reader

10: smart card 20: the substrate of the mobile terminal

160a, 161a, 170a, 21a: interface module

120, 161c, 170c, 44: memory

110, 170d, 43: Processor 160b, 161b, 170b, 42: RF module

300: cash recharge server 500: ticket issuing server

600: Point Server

Patent Publication 10-2006-0016288

Patent Publication 10-2006-0061074

The present invention relates to a mobile tag, and a cash payment method using the same. In particular, a smart card and a mobile tag which is used in a mobile terminal, recharges cash, and can be used like cash using the charged cash, and It relates to the cash payment method used.

Mobile banking is handled by embedding a smart card in a mobile terminal, using a public transport such as a bus or subway, or using a SIM (Subscriber Indetification Module) card connected to the mobile terminal. The smart card or the SIM card includes a memory having user information of the mobile terminal and an antenna. The smart card or the SIM card processes cash payments when the smart card or the SIM card is read to a reader capable of reading. At this time, the reader acquires user information from a smart card or a SIM card embedded in the portable terminal, and after confirming the user through the financial institution server, approves the user's payment request. That is, payment using a mobile terminal basically requires a user authentication process through a financial institution server.

1 is a view for explaining the Korean Patent Publication No. 10-2006-0016288. In the figure, a mobile terminal (for example, a mobile phone) is equipped with a mobile tag, and interlocked with an application installed in the mobile terminal to record data (for example, an electronic business card) on the mobile tag and use it to present an electronic business card. To this end, Korean Patent Publication No. 10-2006-0016288 calls an application (API) for storing business card data stored in a mobile terminal as a mobile tag according to a command generated in the mobile terminal, and uses the called application to mobile the electronic business card. Save as a tag. Accordingly, Patent Publication No. 10-2006-0016288 allows the user to conveniently use the data (electronic business card), but is basically not suitable for financial transactions or cash payment.

2 is a view for explaining the Korean Patent Publication No. 10-2006-0061074. As shown, Korean Patent Laid-Open Publication No. 10-2006-0061074 obtains a store identifier from a reader when a tagged mobile terminal is approached in a store provided with a reader, and the portable terminal obtains a store identifier from an information service providing server. Location information, and service information. The user pays for the desired water foam with reference to the location information and the service information obtained through the mobile terminal, and at this time, the user has a user confirmation procedure through the payment service providing server. In other words, Korean Patent Publication No. 10-2006-0061074 also requires a user authentication process for payment of a mobile terminal, and most cash payments using a mobile terminal are provided in the same way, that is, to authenticate a user of a mobile terminal or provide it to a mobile terminal. The mobile tag needs to be authenticated through a separate external server. In this regard, the present applicant proposes a mobile RFID, and a cash payment method using the same, which does not require a separate server for payment processing, and handles cash payment by a mobile terminal without a separate authentication server.

As described above, an object of the present invention is to propose a mobile tag that can be used as a cash handheld terminal. In addition, an object of the present invention is to propose a mobile tag that is formed with a smart card, and a SIM card that is inserted into the mobile terminal, to perform a mobile payment through this. In addition, another object of the present invention is to provide a mobile tag that uses the cash once charged, subtracts the charged amount according to the details used, and does not require a separate external server for this. In addition, another object of the present invention to provide a cash payment method using the above-described mobile tag.

According to the present invention, the object is embedded in a portable terminal having a processor and a memory for storing cash information to interface with the portable terminal, and provided with an antenna for data communication with an external reader, and through the antenna Upon receipt of a cash payment request from an external reader, it is provided to the processor, the processor being achieved by a mobile tag that cashes the memory by subtracting cash information stored in the memory in response to the cash payment request.

According to the present invention, the above object is provided with an antenna, a memory having authentication information, and a processor, and is connected through a connector provided in the portable terminal for data communication and power charging, and the portable terminal is connected to the authentication information. When charging the cash by using, to store it in the memory, the antenna, in response to the external reader to notify the processor, the processor processes the payment with the cash information stored in the memory, the processor, By subtracting the amount charged to the memory by the settled amount, this is achieved by a mobile tag that cashes the memory.

The connector is preferably a standard 24-pin connector for data communication and power charging.

And a battery for driving the memory and the processor.

According to the present invention, the object includes a memory having cash information, an antenna for performing data communication with an external RFID reader, and an interface module for performing an interface with a portable terminal, wherein the portable terminal uses authentication information. When the cash information is stored in the memory and the external RFID reader requests cash payment to the antenna, the antenna notifies the portable terminal of the cash payment request through the interface module, and the portable terminal is stored in the memory. Achieved by a mobile tag that subtracts cash information.

The authentication information is preferably any one of a phone number of the portable terminal, a unique number of the portable terminal, an electronic serial number (ESN) of the portable terminal, and an official certificate provided in the portable terminal.

Preferably, further comprises a battery.

The battery may be charged by a power source provided in the portable terminal.

According to the present invention, the above-described object is performed by a mobile terminal equipped with an antenna and interoperable with a mobile tag that can interface with a mobile terminal, wherein the mobile terminal includes a processor and a memory, and the mobile terminal provides authentication information. When the cash is used to charge the cash, the processor stores the charged cash information in the memory, and when the portable terminal approaches the RFID reader requesting cash payment, the payment request is sent from the mobile tag to the processor. And transmitting, by the processor, using the cash information stored in the memory, wherein the processor, after processing the payment, subtracts cash charged in the memory to cash the memory. This is accomplished by a cash payment method using a tag.

The RFID reader may be provided at any one of a movie, an aviation, a theater, a railroad, a port, a bus, and a concert hall.

The portable terminal may charge cash through the authentication information, and the authentication information may be obtained from an authorized authentication center.

The authentication information may be any one of an authorized certificate, a phone number, a unique number, and an ESN (Electronic Serial Number) of the portable terminal.

The authentication information may be biometric authentication information.

The biometric information may be any one of fingerprint information, iris information, vein information, voice information, and facial information.

The RFID reader may include a recognition device for recognizing any one of the fingerprint information, the iris information, the vein information, the voice information, and the face information.

According to the present invention, the above object is interlocked with a mobile tag having an antenna and an interface module, is performed through a mobile terminal having a memory and a processor, and a ticket is made online using authentication information stored in the mobile terminal. Requesting a payment to a ticket issuing server for processing the data; and obtaining payment information for the requested payment from the ticket issuing server and storing the payment information in the memory, wherein the mobile tag is used for the ticket. The processor notifies the processor when it is in proximity to the RFID reader, and the processor, in response, achieves the ticket payment method using the mobile tag that provides the ticket stored in the memory to the RFID reader through the mobile tag. do.

The requesting of the payment may include: providing authentication information to the ticket issuing server to perform authentication, acquiring real-time information on a reservation status of the ticket and seating arrangement from the ticket issuing server; and It is preferable to include the step of performing the payment for the ticket with reference to the reservation status and the seat arrangement information.

The RFID reader may be provided at any one of a movie, an aviation, a theater, a railroad, a port, a bus, and a concert hall.

The above object is performed according to the present invention, through a mobile terminal connected to a flight reservation server for processing the ticket reservation of the customer via the Internet, and obtains and stores the customer information for the ticket reservation from the customer, The mobile terminal is equipped with a processor and a memory, and the mobile terminal is equipped with a mobile tag having an antenna and an interface module, and when the mobile terminal requests cash charging to the flight reservation server through an authentication code. And performing a cash charging of the customer based on the authentication code by the flight booking server, interfacing with the mobile tag, and recording the cash charged through the flight booking server in a memory provided in the mobile terminal. , And upon request for payment from an RFID reader provided in the airport, the pro Stand is achieved by means of cash payment methods using a mobile tag comprising the step of subtracting the amount required by the RFID reader from the memory.

The authentication code is preferably obtained from an authorized authentication center.

The mobile tag may be a semi-passive type and may include a built-in battery for self driving.

The RFID reader may be installed at any one of the airport, boarding procedure, boarding gateway, baggage reception desk, a catering company, a convenience store, and a duty free shop located in the airport.

The memory may include biometric information of the customer, and the RFID reader may include a detection device for detecting biometric information of the customer, thereby authenticating the customer.

The biometric information may be any one of fingerprint information, iris information, vein information, voice information, and facial information.

According to the present invention, the above object is performed in conjunction with a mobile tag having an antenna and an interface module, and is performed through a mobile terminal having a memory and a processor, and processes any one of points, miles, and cash accumulation. Accessing a financial institution server and requesting an update of any one of the points, mileage, and cash accumulation; performing authentication at the financial institution server using authentication information provided in the mobile terminal; and authentication processing After that, the real time updating any one of the points, miles, and cash accumulation from the financial institution server.

According to the present invention, (a) the reservation information, the personal information and the number of the mobile phone equipped with the mobile RFID tag is stored in the airline host system by the user's reservation, and the mobile carrier system is connected to the airline host system and the network. (B) a reservation step of writing reservation information on a mobile RFID tag and storing reservation confirmation information in a mobile phone memory by connecting to a user's mobile phone; Enter the user's password, which is the authorized authentication code of the user, the user pays the fee, and records the payment information on the mobile carrier system connected to the airline host system on the mobile RFID tag mounted on the user's mobile phone, and the mobile phone memory A payment step of storing the payment confirmation information in (c) the tower by the airline host system Ticketing, storing the boarding pass issued in the mobile phone, and the boarding step of transmitting the gate number and seat number in the aviation host system is recorded in the mobile RFID tag of the mobile phone, and stored in the memory of the mobile phone, (d) the RFID When accessing the mobile phone with the reader, the security level is displayed on the self-authenticated information security terminal to confirm the identity, and (e) the user accesses the mobile phone equipped with the RFID in one of several RFID readers provided at the airport, And the boarding step of recognizing and boarding the seat.

The reservation step is preferably a step in which the information on the reservation information is written to the mobile RFID tag as a reservation authentication code.

In the security step, the biometric contents may be stored in the mobile RFID tag memory of the cellular phone, and the biometric sensitive device may be further mounted on the reader.

The biometric sensitive device may include at least one of a fingerprint recognition, an iris recognition, a palm, a palm vein recognition, a face recognition, and a voice recognition.

In the payment step, any one of a payment method combined with a mobile phone bill, a bank transfer payment method, and a payment method using a credit card may be used when paying a mobile phone.

Preferably, the method further includes a refund step of receiving a refund in the same manner as the payment step.

The seat assignment, it is preferable to allow the user to be assigned to the seat in advance in the payment step before the check-in step.

The check-in step may be performed by connecting a ticket to a aviation host system directly from a mobile phone equipped with a mobile RFID tag, or accessing a mobile phone equipped with a mobile RFID tag from a ticket counter or automatic ticketing counter equipped with an RFID reader to access the RFID reader. It is preferable.

In the check-in step, when a seat is assigned in advance in the payment step, the ticket is issued as a seat assigned in advance, and when a seat is not assigned in advance, a ticket is allocated to a separate seat.

The separate seat issuing ticketing may be by a touch screen method connected to the airline host system.

It is preferable that the said boarding pass is an electronic boarding pass (E-TKT).

The check-in step may further include a baggage tag having an RFID chip attached thereto and attached to the baggage when the baggage is required to access the mobile phone equipped with the mobile RFID tag in the RFID reader.

Preferably, the method further comprises the step of delivering the aircraft departure time to the mobile phone using an alarm message or an ARS telephone.

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

3 is a view for explaining a cash payment method using a mobile tag according to an embodiment of the present invention.

First, the user of the mobile terminal 100 is connected to the cash charging server 300 by using the portable terminal network, and charges the desired amount of cash through the cash charging server 300 The charged cash is the portable terminal 100 It is stored in the mobile tag 11 having the form of a smart card 10 provided in, or stored in a mobile tag (not shown) embedded as part of the mobile terminal 100. When the mobile tag 11 is embedded in the smart card 10, the smart card 10 is provided with a mobile tag, a processor for interfacing with the mobile terminal 100, and a memory. On the contrary, when the mobile tag 11 is embedded in the mobile terminal 100, the mobile tag 11 is interlocked with a processor embedded in the mobile terminal 100 and a memory, so that a separate processor for the mobile tag 11 may be used. No memory required This will be described later in detail.

In the drawing, a smart card type mobile tag is mounted and detached to the mobile terminal 100. The mobile tag 11 is provided with an antenna, a memory, and a processor, and the antenna is formed on the surface of the smart card. When mounted on the mobile terminal 100, data communication with the external RFID reader 200 may be performed. When the mobile terminal 100 charges cash, the authentication of the mobile terminal 100 is performed by a mobile communication company that provides wireless network communication (voice communication and data communication) to the mobile terminal 100, or a cash charging service. The requesting side may be performed by requesting user information from the mobile communication company. The cash recharging service may include a phone number of the user's mobile terminal 100, an ESN, a unique number of the mobile terminal 100, and other unique information for specifying the mobile terminal 100 (for example, the mobile terminal 100). The user is authenticated by using a certified certificate), and the amount of money requested by the authenticated user is charged, and the mobile communication company is notified of this. In order to preserve the charge amount information stored in the mobile tag, the mobile tag is preferably provided with a battery used as a driving power of the mobile tag. The battery may be both rechargeable or non-rechargeable, but it is more preferable that the battery can be recharged by a power provided from the battery of the mobile terminal 100.

According to this process, the charged amount is recorded in the mobile tag of the smart card 10 provided in the mobile terminal 100. The charged amount may be used by a user of the mobile terminal 100 at a place such as a movie theater, an airport, an airline, a theater, a railway ticket office, a port, a bus terminal, a concert hall, and the like, where the RFID reader 200 is provided. Of course, the RFID reader 200 can be placed in a variety of places, such as restaurants, bookstores, and government offices, of course, can also be used in this place.

As described above, the mobile tag 11 according to the present invention, while charging and recording the cash information stored in the mobile tag 11 close to the RFID reader 200 to process the payment, RFID reader ( 200 does not proceed to authenticate the mobile terminal 100 for payment of the mobile terminal 100. This shows the biggest difference from the conventional mobile payment of the present invention, when the user of the mobile terminal 100 uses cash owned by himself, similar to not going through a separate authentication process, the used cash is deducted After payment, the payment amount is deducted from the mobile tag 11. In other words, it means not the payment through a separate authentication process, but a separate authentication process is not required.

4 is a view illustrating a cash payment method using a mobile tag according to another embodiment of the present invention.

The illustrated embodiment is similar to the embodiment shown in FIG. 3, but the mobile tag is integrated with the mobile terminal 100. The charged cash is stored in the memory 120 provided in the mobile terminal 100, and the mobile tag 21 formed on the substrate 20 of the mobile terminal 100 is a processor (not shown) of the mobile terminal 100. Bus) or a UART interface module (not shown) built in the mobile terminal 100. Accordingly, the mobile tag 21 notifies the processor (not shown) embedded in the mobile terminal 100 when the RFID reader 200 requests payment, or the interface logic provided in the mobile terminal 100 ( For example, the processor (not shown) is notified of this via the UART interface module. In this case, the mobile tag 21 is responsible for data communication with the RFID reader 200. Therefore, the process of charging the cash, the authentication process for charging is started by the operation of the mobile terminal (100).

FIG. 5 conceptually illustrates an interface between the mobile tag and the portable terminal illustrated in FIGS. 3 and 4.

As shown, the mobile terminal 100 includes a processor (ARM) 110 for controlling the mobile terminal 100, a control program for driving the mobile terminal 100, and a memory for storing files such as an MP3. (RAM) 120, a DSP 130 for signal processing, an interface module 140 for interfacing with an external device connectable to the mobile terminal 100, and a slot 150 for connecting to the external device. Here, the slot 150 has a standard for connecting with the smart card 10, the smart card 10, or a USB storage device, and is normally exposed on the surface of the mobile terminal 100. If the user of the mobile terminal 100 mounts the SIM card or smart card 10 in the slot, the SIM card (or smart card) mounted in the slot 150 is connected to the internal bus through the interface module 140. Is connected to, and the data communication with the processor (ARM) 110 is connected to the bus (BUS). The SIM card 20 includes a separate processor and a memory, and as shown in FIG. 11, the SIM card 20 is preferably mounted and used in a separate space provided inside the mobile terminal 100. When the mobile tag 20 uses a processor (ARM) 110, the mobile tag 20 provides a payment request from the RFID reader 200 to the processor (ARM) 110, and the processor (ARM) 110. ) Stores information about the filled cash in the memory 120, and subtracts the cash information stored in the memory 120 in response to a payment request from the mobile tag 20.

6 is a block diagram of a portable terminal having a mobile tag embedded therein.

The mobile tag according to the present invention is largely classified into an external type or an internal type.

The external type is in the form of a smart card or a SIM card, has its own processor and memory, and the internal type is dependent on the processor provided in the mobile terminal 100, and the bus structure of the processor provided in the mobile terminal 100. It can be connected or wired to the GPIO (General Purpose Input Output) provided by the processor.

The illustrated mobile terminal 100 includes a processor 110, a memory 120, a DSP 130, an interface module 140, and a mobile tag 160.

The mobile tag 160 notifies the processor 110 in response to the payment request from the RFID reader 200.

7 is a block diagram of a mobile tag according to an embodiment of the present invention.

The illustrated mobile tag is embedded in the mobile terminal 100 and includes an RF module 160b provided for transmitting and receiving data with the RFID reader 200 and a UART interface module 160a. The mobile tag 160 including the RF module 160b and the UART interface module 160a may be directly connected to a processor provided in the mobile terminal 100. This will be described with reference to FIG. 8 together.

FIG. 8 illustrates an example in which the mobile tag 160 illustrated in FIG. 7 is combined with the mobile terminal 100. The mobile tag 160 notifies the processor 110 of the payment request of the RFID reader 200 through the GPIO of the processor 110 or the bus. In addition, the mobile tag 160 is connected to the interrupt processing port provided in the processor 110, it can also notify the payment request of the RFID reader 200 through this. In this case, the mobile tag notifies the payment request through the interrupt processing port, and when the payment request is notified, the processor 110 communicates with the mobile tag 160 through the UART interface module 160a provided in the mobile tag 160. Perform data communication.

FIG. 9 illustrates another example of a mobile tag applied to the mobile terminal shown in FIG. 6.

The illustrated mobile tag is similar to that shown in FIG. 8, but further includes a separate memory 160c in the mobile tag 160. The memory 160c may store charged cash information or an online ticket, and the processor 110 of the mobile terminal 100 subtracts the cash information stored in the memory 160c in response to a payment request of the RFID reader 200. do.

FIG. 10 illustrates an example of a mobile tag applicable to FIG. 5 or FIG. 6.

The illustrated mobile tag has its own processor 170d, memory 170c, RF module 170b, and UART interface module 170a. The illustrated mobile tag 170 is capable of direct data communication with the RFID reader 200, and is a form of a smart card (or SIM card) mounted and detached to the portable terminal 100 since it is an active system as such. Alternatively, it can be implemented in separate logic that connects to a standard 24-pin connector. Although not shown, the mobile tag 170 is equipped with a battery, and reads and writes the cash information stored in the memory 170c through the battery, and may change the RF module 170b to an active type. In this case, the battery is preferably a battery of a rechargeable type.

When the illustrated mobile tag 170 is combined with the mobile terminal 100 illustrated in FIG. 5, the RF module 170b receives a payment request from the RFID reader 200 and transmits the received payment request to a processor (MPU). 170d). The memory 160c stores cash information charged through the mobile terminal 100. The processor 170d subtracts cash information stored in the memory 170c in response to a payment request received from the RF module 160b. After the cash information is subtracted, the processor (MPU) 170d controls the RF module 170b to notify the RFID reader 200 of the subtraction result. The RFID reader 200 is notified of the processing result of the processor (MPU) 170d through the RF module 170b and completes the payment processing. Through this, the RFID reader 200 and the mobile terminal 100 do not require any authentication for cash payment, and the cash payment between the two has a form similar to a normal cash transaction. Here, when the mobile tag 170 records cash information in a memory (for example, reference numeral 120 of FIG. 4) provided in the mobile terminal 100, the memory 170c illustrated in the drawing is not necessary.

Here, the interface module 170a may interface with a standard 24-pin connector provided in the mobile terminal 100. That is, the illustrated mobile tag 170 may be driven independently of a processor or a memory embedded in the mobile terminal 100 to perform data communication with the RFID reader 200 and to request a cash payment from the RFID reader 200. This can be notified to the mobile terminal 100 through a standard 24-pin connector. That is, the illustrated mobile tag may be used by mounting and detaching the mobile terminal 100 through a standard 24-pin connector.

12 shows a schematic block diagram of an antenna 41 formed on the surface of a smart card (or SIM card), and a mobile tag including the antenna 41. As shown, the antenna 41 is formed on the surface of the smart card 40 (or SIM card, hereinafter omitted). The antenna 41 formed on the surface receives the payment request through the RFID reader 200 and provides it to the RF module 42, which is then provided to the processor 43 after low noise amplification. In response, the processor (MPU) 43 subtracts the cash information stored in the memory (RAM) 44 in response. In the figure, the antenna 41 is formed curved to the widest surface of the smart card 40, but may be formed over two or all of the six surfaces forming the smart card 40. Through this, even if the smart card 40 is close to the RFID reader 200 in any direction can perform a smooth data communication.

13 is a flowchart illustrating an example of a cash payment method using a mobile tag according to the present invention.

First, when the RFID reader 200 detects an adjacent mobile tag (for example, 10 or 40, hereinafter omitted), the RFID reader 200 requests a payment toward the detected mobile tag. In this case, the RFID reader 200 may be disposed at a place where cash payment is required, such as an airport, a duty free store, a general store, a bookstore, a convenience store, a movie theater, a theater, a railway ticket office, a railway ticket gate, a harbor, a bus, and a concert hall. Next, the processor 110, 170d or 43 (hereinafter omitted) provided in the mobile tag is stored in the memory 120, 161c, 170c, or 44 (hereinafter omitted) in response to a payment request from the RFID reader 200. A request for inquiry of recorded cash information (balance) is made, and the memory notifies the processor of available cash information. The processor subtracts the cash information recorded in the memory with reference to the payment amount requested by the RFID reader 200, and notifies the RFID reader 200 of the deduction result. Here, it should be noted that the processor and the memory do not require an authentication process in the cash settlement process. The process of using the cash information stored in the memory, deducting the same, and notifying the deducted cash to the RFID reader 200 does not require any authentication server and does not require a complicated process for authentication. The process is similar to the process in which ordinary people pay cash and buy and sell goods and services. In this case, the biometric information of the user of the portable terminal 100 may be stored in the memory. This is required for the mobile terminal 100 to charge cash through the cash charging server 300 or to authenticate user information of the mobile terminal 100 with the RFID reader 200. For example, the user of the portable terminal 100 transmits the biometric information stored in the memory to the RFID reader 200, and the RFID reader 200 obtains the biometric information from the user of the portable terminal 100 and checks both of them to compare them. The user of 100 can be authenticated. Even in this case, a separate authentication server for user authentication of the mobile terminal 100 is not required. Here, the biometric information may be any one of fingerprint information, iris information, vein information, voice information, and facial information, and the RFID reader 200 recognizes biometric information and compares it with biometric information stored in a memory. It is preferred to have a device. For example, when the biometric information transmitted from the portable terminal 100 to the RFID reader 200 is fingerprint information, the RFID reader 200 includes a scratch unit (not shown) for capturing fingerprint information, and the captured information and the portable terminal. It may be provided with a pattern matching unit (not shown) for matching the fingerprint information (stored in the memory of the mobile terminal) transmitted from the (100) to determine the match. Here, it should be noted that the method of authenticating a user using biometric information is applied throughout the present invention.

14 is a flowchart illustrating an example of a ticket payment method using a mobile tag according to the present invention.

First, the mobile terminal 100 requests a ticket reservation by accessing a network to a ticket issuing server. In order to request a ticket reservation, the mobile terminal 100 has its own memory (e.g., reference numeral 120). Or authentication information (for example, any one of a public certificate, a phone number, a unique number, and an electronic serial number (ESN)) provided in a memory 120, 161c, 170c, or 44 (hereinafter omitted) provided in the mobile tag. The ticket issuing server 500 is provided, and the ticket issuing server 500 authenticates the user of the mobile terminal 100 with reference to this, and transmits the payment information to the corresponding mobile terminal 100 when the user is authenticated. The payment information records whether the user of the mobile terminal 100 pays the amount of money required for ticket reservation, and the payment details. At this time, the ticket issuing server 500 is a mobile communication company that provides a wireless communication service to the server, the financial institution server, and the mobile terminal 100 to issue and manage a certificate, in order to authenticate the user of the mobile terminal 100; The necessary information can be obtained through the server. Here, the payment information is stored in any one of a memory provided in the mobile terminal 100 (for example, reference numeral 120), or a memory provided in a mobile tag (for example, reference numerals 10 and 40) mounted in the mobile terminal 100. Can be. This is determined according to the form described with reference to FIGS. 3 and 4. Next, the user of the mobile terminal 100 moves the mobile terminal 100, which has been approved, to a place where a ticket is reserved, and approaches the RFID reader 200 provided at the corresponding place.

15 is a flowchart illustrating an example of a method of updating a point using a mobile tag according to the present invention.

The illustrated embodiment is applicable when the mobile tag embedded in the mobile terminal 100 has a function of a credit card (or a card that accumulates points, cash, and mileage, such as a membership card or an asa or club, etc.). Can be. When the mobile tags 11, 21, 160, 170 (hereinafter omitted) are used for financial transactions, they are associated with the memory (e.g., 161c, 170c, 44, below, omitted) provided in the mobile tag or with the mobile tag. The memory 120 of the mobile terminal 100 has benefits such as points, mileage, and cash accumulation according to the user's cash settlement amount, and the user is provided with a memory or a mobile terminal provided in the mobile tag in order to use the same. The memory should have information about this.

First, a user of the mobile terminal 100 connects the mobile terminal 100 to a wireless network and then accesses the point server 600 of a financial institution with which the mobile tag is transacted. Next, the user of the mobile terminal 100 requests the point server 600 to update the point information. Next, the portable terminal 100 provides authentication information for authenticating the user to the point server 600, and the point server 600 authenticates the user through the authentication information provided from the portable terminal. In this case, the authentication information provided from the mobile terminal 100 to the point server 600 may be any one of an authorized certificate, a phone number of the mobile terminal, a device unique number of the mobile terminal, and an ESN (Electronic Serial Number) of the mobile terminal. If the mobile terminal 100 information (phone number, ESN, device unique number) is used as authentication information, the point server 600 is a mobile communication company server (not shown) for providing a wireless communication service to the mobile terminal 100. User information and device information of the mobile terminal 100 are obtained, and the mobile terminal 100 is authenticated. In addition, when the authentication information is an ESN, the point server 600 may provide the ESN to a mobile communication company server (not shown) to perform authentication, and receive authentication results from the mobile communication company server (not shown) to process authentication. Of course.

Next, when the authentication for the mobile terminal is processed, the point server 600 transmits the point information to the mobile terminal 100, and the mobile terminal 100 is provided in the memory or the mobile terminal 100 provided in the mobile tag. The point information stored in the memory is updated in real time. Through this, the user of the mobile terminal 100 may process financial transactions and cash transactions using the mobile terminal 100, and may enjoy various discount benefits by using points accumulated in the memory. In the present embodiment, the point server 600 has been described mainly for updating the user's point information in real time, but it is obvious that the same can also be applied to the mileage or cash accumulation, so duplicate description will be omitted. .

In addition, when the update method according to the present embodiment is applied to the theater reservation shown in FIG. 14, when the mobile terminal (HP) reserves a ticket with the ticket issuing server (500), the reservation status is obtained from the ticket issuing server (500), and The user may receive seat information of a movie (or a play, a musical, and other performances) to be reserved in real time, and the user may select a seat or a movie desired by the user to buy a ticket. When the ticket is issued using the mobile terminal 100, the mobile terminal 100 does not need to provide authentication information to the ticket issuing server 500, and the mobile terminal 100 may purchase a ticket through a separate authentication. There is no need to obtain seat information. In this case, the ticket issuing server 500 provides the mobile terminal 100 with the reservation status and the reserved seat information every predetermined period (for example, from a few seconds to several minutes), and the user checks it every predetermined period and the desired movie and seat. It is desirable to select.

As another method, whenever a change occurs in the reservation status or seat arrangement, the ticket issuing server 500 may be notified in real time to the mobile terminal to reserve the ticket.

According to the above update method, the memory provided in the mobile tag, or the memory provided in the mobile terminal may be updated in real time information on the points, miles, cash accumulation amount. In addition, the present embodiment is equally applicable to booking tickets for theaters, airlines, express buses, and trains, and is used for booking tickets through a server that reserves tickets for theaters, airlines, express buses, and trains. After acquiring information (eg, seat information, reservation status) in real time, a ticket may be reserved according to a desired condition.

16 to 18 show an example in which the mobile tag according to the present invention is applied to an aviation service.

16 shows a one-stop boarding method using a mobile phone equipped with a mobile tag according to an embodiment of the present invention, and includes a reservation step, a payment step, a check-in step, a security step, and a boarding step.

17 shows the configuration of the reservation and payment system.

First, in the reservation step, the reservation information, the personal information and the mobile phone number generated in the reservation process made by the user by accessing the airline's aviation host system are stored in the database of the aviation host system. If the existing reservation information remains in the aviation host system, the reservation step is proceeded more quickly only by the confirmation of the user.

In the reservation step, the mobile telecommunication company system is connected to the airline host system via a network and transmits information on the reservation to the mobile phone equipped with the user's mobile tag.

The information about the reservation information is written to the mobile tag as a reservation authentication code, and the reservation confirmation information is stored in the user's mobile phone memory so that the user can confirm.

Second, the payment step is configured to receive the authentication code from the authorized authentication center to the mobile phone for payment upon the user's payment request is processed when the user's password input.

Authorized authentication centers inquiring customer information support the payment method using the mobile phone bill or the credit card when paying for the mobile phone, both of which use the authorized authentication code of the mobile phone as a password.

In the payment step, in addition to the mobile phone payment, the conventional visit, bank transfer, credit card, etc. can be paid at the same time.In the case of payment by the conventional method, the airline host system or the mobile carrier system installs the payment confirmation information on the user's mobile phone. It records in the mobile tag and stores the payment confirmation information in the mobile phone memory for the user to check.

If the user does not want to issue a ticket or check-in, he or she will cancel the payment in the same way as the payment step according to the Refund policy, and if the payment has already been completed, such as a credit card or bank transfer, the refund will be made and the payment will be made together with the mobile phone bill. If is not completed, you can cancel the payment.

In addition, the user may request to be pre-assigned the ticketing and seating at the payment stage, and when the ticketing and the advance seating are allocated, the information is transmitted to the tag and the memory of the mobile phone.

18 shows a diagram of the configuration of ticketing, check-in and security, and retrieval systems.

Third, if the mobile phone is not ticketed in the payment step, the check-in step is connected to the airline host system directly from the mobile tag equipped with the mobile tag, or the boarding pass is issued at an automatic ticket counter such as a ticket counter or kiosk. If a seat is reserved in the reservation and ticketing stage with a tagged mobile phone, the seat is reserved in advance, and if the seat is not reserved, a separate touch screen is connected to the airline host system. Will be assigned a seat for the ticket.

In this case, unlike the related art, the RFID reader is installed in the ticketing counter or the automatic ticketing counter, so that the mobile host equipped with the mobile tag is accessed by the RFID reader. You can get a ticket.

At this time, the boarding pass is also recorded in the mobile tag of the mobile phone by transmitting the gate number and seat number from the aviation host system by the electronic boarding pass (E-TKT), not paper tickets, and stored in the memory of the mobile phone for the convenience of the user.

When baggage is required after ticketing, a barcode-type baggage tag with an RFID chip is generated and attached to the baggage when a mobile device equipped with a mobile tag is accessed by a reader provided at check-in. In addition, the baggage information is recorded in the mobile tag and the baggage information is stored in the mobile phone memory for convenience of use.

Fourth, in the security stage, unlike the identification of the identity by presenting the identification card to the conventional security personnel, the self-authenticated information security terminal is displayed on the self-authenticated information access terminal to verify the identity of the user.

Furthermore, the reader may be equipped with a biometric sensing device to check whether the user is present through biometric types of fingerprint recognition, iris recognition, palm vein recognition, face recognition, and voice recognition.

Fifth, in the boarding phase, when a user accesses a cell phone equipped with RFID in one of several readers provided at the airport, the user recognizes the corresponding gate and seat and boards. Conventionally, the boarding pass had to be shown to the crew or the employee, but only the reader can access the boarding process.

In addition, readers can be installed at security check areas, immigration check areas, and duty-free shops at airports to identify customers' locations and ensure smooth boarding. Or delay the aircraft. In this case, the aviation host system may be made by connecting an ARS telephone to a mobile phone.

The technical spirit of the present invention has been described above with reference to the accompanying drawings. However, the present invention has been described by way of example only, and is not intended to limit the present invention. In addition, it is apparent that any person having ordinary knowledge in the technical field to which the present invention belongs may make various modifications and imitations without departing from the scope of the technical idea of the present invention.

As described above, the present invention, while processing the cash transaction using an RFID-type mobile tag provided in the portable terminal, RFID reader for recognizing the mobile tag mounted on the portable terminal, for a cash transaction between the portable terminal Omit unnecessary authentication process. In addition, the present invention allows the processing of cash transactions using a mobile terminal very simply and quickly by eliminating the authentication and verification of the cash transactions. In addition, since the present invention forms a mobile tag using a surface of a smart card or a SIM card that can be attached to or detached from the portable terminal, it is very easy to install and use the portable terminal. In addition, when the present invention is applied to an airline or an airport, the use of the airport and the airline becomes very convenient. In addition, when the payment method using the mobile tag according to the present invention is applied to an airline or an airport, passengers can make reservations, ticketing, and check-in (check-in) at once by using a mobile terminal equipped with an RFID type mobile tag. do. Accordingly, passengers can board a plane faster and reduce the time required for using duty free shops and other convenience stores. In addition, when the mobile tag according to the present invention is applied to the use of credit card points, it can be updated by receiving the point information from the card company in real time, which is stored in the memory provided in the mobile tag, or the memory of the mobile terminal equipped with the mobile tag It can be used. In addition, when using the mobile tag, and a mobile terminal including the same according to the present invention, when booking flight tickets, train tickets, theater tickets, and express bus tickets, the user can search the reservation status and seat information through a mobile terminal in real time. After you choose what you want, you can use the ticket.

Claims (38)

delete An antenna, a memory having authentication information, and a processor; It is connected through a connector provided in the portable terminal for data communication and power charging, When an external reader requests cash payment, the antenna notifies the processor, and in response, the processor subtracts the cash information stored in the memory according to the payment cost, and transmits the result to the external reader through the antenna. A mobile tag characterized by not requiring a separate authentication process and an authentication server by informing. The method of claim 2, The connector, Mobile tag characterized by a standard 24-pin connector for data communication and power charging. The method of claim 2, And a battery for driving the memory and the processor. Has a form of any one of a SIM card, and a smart card mounted on the mobile terminal, An antenna formed on an outer surface of the card and performing data communication with an external reader; And A memory having cash information; When the external reader requests the cash payment, in response to the cash information stored in the memory to perform the cash settlement; consisting of a separate authentication process for the cash payment, and does not require an authentication server Featuring mobile tags. delete The method of claim 5, The mobile tag further comprises a battery. The method of claim 7, wherein The battery, Mobile tag characterized in that it is charged by the power provided in the portable terminal. The method of claim 5, Mobile tag, characterized in that used to be mounted on and detached from the portable terminal. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete (a) The reservation information, personal information and the number of the mobile phone equipped with the mobile RFID tag are stored in the airline host system by the user's reservation, and the mobile carrier system is networked with the airline host system to make a reservation on the user's mobile phone. A reservation step of writing information on the mobile RFID tag and storing reservation confirmation information in a mobile phone memory; (b) Receive the verification code from the authorized authentication center on the mobile phone, enter the user's password, which is the official authentication code of the mobile phone, the user pays the fee, and the information on the payment matters from the carrier system connected to the airline host system and the network. A payment step of recording in a mobile RFID tag mounted on a user's mobile phone and storing payment confirmation information in a mobile phone memory; (c) boarding pass issued by the airline host system, store the boarding pass issued in the mobile phone, transfer the gate number and seat number from the air host system, record the information in the mobile RFID tag of the mobile phone, and store it in the memory of the mobile phone. Procedure steps; (d) a security step of confirming whether or not the user is displayed on the self-certified information security terminal when accessing the mobile phone by the RFID reader; And (e) after the user accesses a mobile phone equipped with RFID to one of several RFID readers provided at the airport, the boarding step of recognizing and boarding the corresponding gate and seat; a circle using a mobile RFID tag, comprising: How to board a stop. 27. The method of claim 26, wherein the booking step The one-stop boarding method using a mobile RFID tag, characterized in that the information about the reservation is written to the mobile RFID tag as a reservation authentication code (writing). The method of claim 26, wherein the security step A one-stop boarding method using a mobile RFID tag, characterized in that to store the biometric content in the mobile RFID tag memory of the mobile phone, further comprising a biometric sensitive device in the reader. The method of claim 28, wherein the biometric sensitive device The one-stop boarding method using a mobile RFID tag, characterized in that it comprises at least one of fingerprint recognition, iris recognition, palm, palm vein recognition, face recognition and voice recognition. The method of claim 26, wherein the payment step A one-stop boarding method using a mobile RFID tag, characterized in that any one of a payment method, a wire transfer payment method, and a payment method using a credit card added to the mobile phone bill at the time of mobile phone payment. The method of claim 26, Refund step of receiving a refund in the same manner as the payment step; One-stop boarding method using a mobile RFID tag further comprising. delete The method of claim 26, wherein the check-in step Mobile RFID tagging by connecting with the aviation host system directly from the mobile phone equipped with the mobile RFID tag, or by accessing the mobile phone with the mobile RFID tag from the ticketing counter or automatic ticketing counter equipped with the RFID reader by accessing the RFID reader. One-stop ride with tags. The method of claim 26, wherein the check-in step If the seat is assigned in advance in the payment step, the ticket is assigned to the seat previously assigned, if the seat is not assigned in advance, a one-stop boarding method using a mobile RFID tag characterized in that a separate seat is assigned and ticketed. 35. The method of claim 34, wherein the ticket is allocated to the separate seat. One-stop boarding method using a mobile RFID tag, characterized in that the touch screen method is connected to the airline host system. 27. The boarding pass of claim 26, wherein the boarding pass is One-way boarding method using a mobile RFID tag, characterized in that the electronic boarding pass (E-TKT). The method of claim 26, wherein the check-in step When baggage is required, the one-stop boarding method using a mobile RFID tag further comprises generating a baggage tag with an RFID chip attached to the baggage when the RFID reader accesses the mobile phone equipped with the mobile RFID tag. . The method of claim 26, A one-stop boarding method using a mobile RFID tag, characterized in that it further comprises the step of delivering the flight departure time to the mobile phone using an alarm message or ARS telephone.

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