KR101039727B1 - System for Mobile Payment - Google Patents

Abstract

The present invention relates to a wireless payment system, comprising: a storage medium for linking and storing RFID tag information stored in an RFID tag and payment means information associated with the RFID tag information, and receiving RFID tag information provided from a wireless terminal, And checking the payment means information associated with the received RFID tag information through the storage medium, and then providing the confirmed payment means information to the wireless terminal.

Wireless terminal, payment, RFID, alternative

Description

Wireless Payment System {System for Mobile Payment}

1 is a diagram of a wireless payment system using a replacement card according to a preferred embodiment of the present invention.

2 is an exemplary diagram of a preferred replacement card issuing information file stored in a storage medium provided in a server according to a preferred embodiment of the present invention.

3 is a diagram of a wireless terminal equipped with an alternative payment program according to a preferred embodiment of the present invention.

4 is a simple flowchart of a process for issuing a replacement card to a wireless terminal according to a preferred embodiment of the present invention.

5 is a simple flowchart of a wireless payment process using a replacement card issued to a wireless terminal according to a preferred embodiment of the present invention.

6 is a simple flowchart of a wireless payment process using a replacement card issued to a wireless terminal according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: payment terminal device

110: payment server 115: server

120: replacement card registration unit 125: replacement card loading unit

130: replacement card issuing unit 135: replacement card payment authentication unit

140: storage medium 145: original card

The present invention provides a storage medium for linking and storing RFID tag information stored in an RFID tag and payment means information associated with the RFID tag information, receiving RFID tag information provided from a wireless terminal, and receiving the received RFID tag information. The present invention relates to a wireless payment system including a server for checking the associated payment means information through the storage medium and providing the confirmed payment means information to the wireless terminal.

The wireless payment system includes an integrated circuit (IC) chip (e.g., a subscriber identity module (SIM), a universal identification module (UIM), a universal subscriber identity module (USIM), etc.) mounted on or detached from a wireless terminal. A credit card, debit card, check card, prepaid card, electronic wallet, financial common network, etc.) is provided on the IC chip. Payment is to be processed using a payment method.

The existing wireless payment system allows the wireless terminal to perform a series of payment processes performed by the existing IC card, and in the process, an additional interface (eg, an interface using IrFM (Infrared Financial Messaging) of the Infrared Data Association (IrDA)). ) Is provided.

However, the existing wireless payment system as described above is provided in the IC chip that the payment means are mounted on or detached from the wireless terminal, so that the payment means cannot be freely selected from the customer's point of view, and if the wireless terminal is lost or stolen, the payment means. The provided IC chip is also lost, and when the mobile communication service provider issues the IC chip, the IC chip also needs to be replaced when the customer changes the mobile communication service provider.

An object of the present invention to solve the above problems is a storage medium for linking and storing the RFID tag information stored in the RFID tag and the payment means information associated with the RFID tag information, and the RFID tag information provided from the wireless terminal And receiving and confirming payment means information associated with the received RFID tag information through the storage medium, and then providing a server for providing the confirmed payment means information to the wireless terminal.

The wireless payment system according to the present invention includes a storage medium for linking and storing RFID tag information stored in an RFID tag and payment means information associated with the RFID tag information, and receiving RFID tag information provided from a wireless terminal. After checking the payment means information associated with the received RFID tag information through the storage medium, characterized in that it comprises a server for providing the confirmed payment means information to the wireless terminal.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

1 is a diagram of a wireless payment system for a replacement card according to a preferred embodiment of the present invention.

1 shows that a wireless terminal 100 of a customer provides payment method information to a payment terminal device 105, and the payment terminal device 105 generates a full payment request message including the payment method information and payment information. Request for payment approval to the payment server 110 through a value added network (VAN), the payment server 110 generates a payment approval message for the payment text message, characterized in that for transmitting to the payment terminal device 105 In the wireless credit card payment system, the wireless terminal 100 is provided with an RFID reading function and an alternative payment program, and then viewed on a network that is in communication with the wireless terminal 100 and / or the payment server 110. It is for a preferred case having a server 100 for performing the functions proposed by the invention.

However, Figure 1 is an embodiment selected to efficiently explain the technical idea of the present invention, the wireless payment system to which the present invention is applied, wireless credit card, wireless debit card, wireless prepaid card, wireless electronic wallet, and It is apparent that the present invention can be applied to all kinds of wireless payment systems including a wireless check card payment system and the like, and those skilled in the art to which the present invention pertains are based on the preferred embodiment of FIG. The wireless payment system using an alternative card proposed by the present invention can be implemented in various wireless payment systems. For example, when the wireless payment system using the alternative card proposed by the present invention is applied to the wireless prepaid card and / or the wireless electronic wallet payment system, payment authentication of the alternative card payment authentication unit 135 provided in the server 100 The process may be batch processed, which is a feature of the wireless prepaid card and / or wireless electronic wallet payment system.

Referring to Figure 1 in accordance with a preferred embodiment of the present invention, the wireless payment system using a replacement card, the original card information file, replacement card issuance information file, replacement card information, and / or replacement card issuance information file and / or replacement A storage medium 140 storing card payment history information files and the like, a replacement card registration unit 120 for registering an original card information file, a replacement card issuance information file, and / or a replacement card information with the storage medium 140; , RFID tag information extracted from the RFID tag attached to the original card 145 from the customer's wireless terminal 100 and the replacement card mounting unit 125 to remotely install the alternative payment program to the customer's wireless terminal 100 A replacement card issuing unit 130 for issuing a replacement card matching the RIFD tag information to the wireless terminal 100 based on the replacement car in a payment processing process using the replacement card; It consists of the replacement card billing authentication section 135, such as to authenticate the validity of the.

Among the information stored in the storage medium 140 of the server 100, the original card information file and the replacement card issuance information file may be used by the wireless terminal 100 connected to the client and / or mobile communication network on the Internet. Registered through, and the alternative card information is generated and / or determined and stored in the process of mounting the alternative payment program to the customer's wireless terminal 100 and / or issuing a replacement card to the wireless terminal 100, The replacement card issuance information file and / or the replacement card payment history information file may be substituted card registration unit 120, replacement card mounting unit 125, replacement card issuing unit 130 and / or alternative card payment authentication unit 135, respectively. Log information is generated and stored in the process of performing the function of.

The replacement card register 120 of the server 100 is connected to the wireless terminal 100 connected to the client and / or mobile communication network on the Internet, the original card information file and the replacement to the client and / or wireless terminal 100 Provides an interface for entering a card issue information file and the like. Therefore, in the process of accessing and / or registering the server with the client and / or the wireless terminal 100, the customer may use card information (eg, a card number, The original card information file including the expiration date) and the personal information of the customer (eg, name, social security number, gender, age, etc.), and the replacement card through the interface provided by the replacement card register 120. Determine the issue file.

According to a preferred embodiment of the present invention, the RIFD tag information for the original card 145 included in the original card information file may include the client and / or the wireless terminal 100 when the RFID reading function is provided. And / or extracted and read from the wireless terminal 100, and if the RFID is not provided to the client and / or the wireless terminal 100, the client and / or the wireless terminal 100 may be used. When card information about the original card 145 and personal information of the customer are input, the RFID card information stored in the RFID tag attached to the original card 145 is replaced by the replacement card register 120 based on the card information and the personal information. Card storage to store and / or manage RFID tag information stored in a RIFD tag attached to the original card 145. Receiving from a storage medium provided in the pipe) it is preferred to include a source card file.

Replacement card mounting unit 125 of the server 100 is a wireless terminal (100) to the alternative payment program recorded in the memory provided in the wireless terminal 100 of the customer to perform the alternative payment function using the replacement card proposed by the present invention ( 100) remotely download and install, and the customer through the client and / or the wireless terminal 100 using the replacement card registration unit 120, the original on the storage medium 140 provided in the server 100 Registering the card information file and the replacement card issuance information file, the original card information file and the replacement card issuance information file for the original card 145 owned by the customer are registered in the storage medium 140, and then the wireless terminal of the customer ( In the process of connecting to the server 100 and / or issuing a replacement card to the wireless terminal 100 of the customer, the wireless terminal 100 of the customer through the OTA technology using SDR ) To remotely install the latest version of the alternative payment program.

According to a preferred embodiment of the present invention, when the replacement card mounting unit 125 remotely mounts the alternative payment program to the customer's wireless terminal 100 as described above, the remote mounting information is stored in the storage medium 140 Is stored in the issuance history information file, in the process of issuing a replacement card to the customer's wireless terminal 100, based on the replacement card issuance information file, the customer's wireless terminal 100 of the alternative payment program of the previous version If provided, it is preferable to automatically upgrade the alternative payment program to the latest version of the alternative payment program.

The replacement card issuing unit 130 of the server 100 stores the RFID tag information when the RFID tag information is received from the RIFD tag attached to the original card 145 through the RFID reading function provided in the wireless terminal 100 of the customer. It is determined whether the medium 140 includes an original card information file and / or a replacement card issuance information file matching the RFID tag information, and is transmitted to the wireless terminal 100 for issuing a replacement card based on the determination result. Generating the replacement card activation information and transmitting the replacement card activation information to the wireless terminal 100 of the customer, thereby activating the replacement payment program provided in the wireless terminal 100 of the customer to perform a replacement card payment function; It is characterized by.

According to a preferred embodiment of the present invention, the replacement card issuing unit 130 determines whether an original card information file and / or a replacement card issuing information file, etc. matching with the RFID tag information received from the storage medium 140 are provided. In the process, the replacement card issuing unit 130 preferably further comprises a process of determining whether the latest payment replacement program is provided to the customer's wireless terminal 100 based on the replacement card issuance information file, If the customer's wireless terminal 100 is not provided with the latest version of the alternative payment program, the replacement card mounting unit 125 remotely installs the latest version of the alternative payment program in real time.

According to a preferred embodiment of the present invention, it is preferable that the replacement card issuing unit 130 includes replacement card information in the replacement card activation information generated for issuing a replacement card to the wireless terminal 100 of the customer. The credit card information that is changed in the process can be secured to prevent inappropriate access to the alternative payment program. Of course, when the replacement card information is stored in the IC chip (eg, an IC chip mounted and / or detached from the wireless terminal 100) which is guaranteed, the replacement card information on the IC chip in the process of issuing the first replacement card. After storing, it is possible to omit the replacement card information in the replacement card activation information in the subsequent replacement card issuing process.

The replacement card payment verification unit 135 of the server 100 performs a real time payment approval and / or a bulk payment approval process of the payment server 110 in the payment processing process as shown in FIG. 1. In the payment approval process, the card information included in the payment method information requesting payment approval is compared with the replacement card information issued to the wireless terminal 100 of the customer, and the payment method corresponds to the replacement card based on the comparison result. After the determination, if the payment means information corresponds to the replacement card issued to the customer, the validity (eg, use) of the replacement card based on the replacement card issuance information file and / or the replacement card payment history information file of the replacement card. It is characterized in that the authentication and whether or not the payment approval request in the state exceeding the number of times and / or validity period.

For the replacement card payment verification process as described above, the payment server 110 to the replacement card payment authentication unit 135 provided with the card information included in the full payment request request from the payment terminal device 105 in the server 100 It is preferable that a function of providing payment authentication is additionally provided.

According to a preferred embodiment of the present invention, when there is no replacement card corresponding to the card information included in the payment request message from the payment terminal device 105 that the result of the payment authentication from the replacement card payment authentication unit 135 is present. The payment server 110 approves the payment request text through the same method as the existing credit card payment method. On the other hand, if there is a replacement card corresponding to the card information, but the validity of the replacement card is not authenticated, the payment server 110 does not approve the payment by generating a payment error for the full payment request, as a result Payment using the replacement card is not performed.

According to an implementation method extended from the present invention, the original card 145 corresponding to the replacement card issued to the customer the payment means information of the payment request specialist requested by the payment card device 105, the replacement card payment authentication unit 135 If the validity of the replacement card is authenticated on the basis of the payment means information provided in the replacement card, the replacement card issuance information file and / or the replacement card issuance information file and / or the replacement card payment history information file of the corresponding replacement card (for example, , When the number of times of use of the replacement card issued to the wireless terminal 100 of the customer or the expiration date has not passed, and the payment is made with the original card), the payment server 110 generates a payment error for the payment request message. Do not approve the payment, and as a result, payment using the original card 145 is not performed.

Referring to FIG. 1, a method of issuing a replacement card to a wireless terminal 100 of a customer on a wireless payment system according to a preferred embodiment of the present invention includes original card information in a storage medium 140 provided in the server 100. After the file and the replacement card issuing information are provided, the RIFD tag information of the original card 145 is extracted through the RFID reading function provided in the wireless terminal 100 of the customer, and the wireless terminal 100 extracts the RFID tag information. When transmitting to the server 100 through a data channel consisting of a wireless section and a wired section of the mobile communication network, the replacement card issuing unit 130 of the server 100 is up-to-date with the wireless terminal 100 based on the RFID tag information. It is determined whether a version of the alternative payment program is provided, and if the latest version of the alternative payment program is not provided, the alternative payment program of the latest version to the wireless terminal 100 through the replacement card mounting unit 125. Roll out the RAM, and also takes place by sending the information defined by a replacement card activation backing program of the latest version provided in the wireless terminal 100. Detailed description thereof will be made with reference to FIG. 4.

In addition, the wireless payment method using a replacement card issued to the wireless terminal 100 of the customer on the wireless payment system according to the preferred embodiment of the present invention, after the replacement card is issued to the wireless terminal 100, the wireless terminal ( After the alternative payment program provided in 100) extracts and generates payment means information corresponding to the replacement card based on the replacement card information, the wireless payment unit provided in the wireless terminal 100 is processed to enable wireless payment processing. When the payment means information corresponding to the substitute card processed as described above is provided to the payment terminal device 105, the payment terminal device 105 generates a full payment request message including payment means information corresponding to the replacement card. Request payment approval to the payment server 110, the payment server 110 is a replacement car provided in the server 100 the payment means information corresponding to the replacement card included in the full payment request message Payment Authentication through the payment authentication unit 135, and on the basis of the payment authentication result is achieved by performing a billing process for the replacement card. Detailed description thereof will be made with reference to FIG. 5.

Figure 2 is an illustration of a preferred replacement card issuing information file stored in the storage medium 140 provided in the server 100 according to a preferred embodiment of the present invention.

According to the preferred embodiment of the present invention, the replacement card issuance information file registered in the storage medium through the replacement card registration unit provided in the server 100 may be different from each other according to the replacement card issuing time and / or the replacement card issuing location. Alternatively, it is preferable that a plurality of replacement card issuing information files are provided to set replacement cards for different purposes.

According to the preferred embodiment of the present invention, the replacement card issuance information file of FIG. 2 is 10 times of use, validity of 7 days (= 1 week), total payment limit of 3 million won, and 1 million won regardless of the issue time and location. It is set to issue a credit card including a one-time payment limit, etc., and the replacement card issuing unit 130 of the server 100 may select a credit card that satisfies the above condition based on the replacement card issuance information file. It is basically issued to the customer's wireless terminal 100 as a replacement card.

However, during the issuance of the above basic credit card, the issuance time is between 5 am and 9 am, and the issuance location is within 100m of the subway station or within 50m of the bus stop near the customer's house. The book can be used once and issues a prepaid card with a total payment limit of 2,000 won for a one-time payment limit of 2,000 won, which is for payment of transportation costs required for the customer to commute via subway and / or bus.

In addition, while issuing the basic credit card as described above, the replacement card issuing unit 130 is provided on the condition that the issuance time is between 11:30 am and 1:30 pm and the issuance position is within 1 km of the company radius. A debit card with one usage, one-day expiration, and a total payment limit of 10,000 won is issued for a one-time payment limit of 10,000 won, which is for payment of meals for the customer to eat at a restaurant near the company.

In addition, during the issuance of the above basic credit card, the issuance time is between 5 pm and 8 pm, and the issuance location is within 100m of the subway station or within 50m of the bus stop near the customer's company. The unit 130 can be used once, and issues a prepaid card with a total payment limit of 2,000 won for a one-time payment limit of 2,000 won, which is used for payment of transportation expenses required for the customer to leave work via subway and / or bus. will be.

3 is a diagram of a wireless terminal 100 equipped with an alternative payment program according to a preferred embodiment of the present invention.

3A illustrates a case in which the memory unit 300 included in the wireless terminal 100 includes a substitute card information storage unit 320, a payment authority control unit 315, and a payment execution unit 310. 3 (b) is provided with a payment authority control unit 315 and a payment execution unit 310 in the memory unit 300 provided in the wireless terminal 100, mounted or detached from the wireless terminal 100. The replacement card information storage unit 320 is provided in the memory unit on the attached IC chip 385.

Particularly, (b) of FIG. 3 is a substitute card information storage unit 320 provided in a memory unit (eg, read / write memory) on the IC chip 385 including an input / output interface, a processor unit, a memory unit, and the like. An IC chip interworking unit 390 (for example, a terminal program execution unit that reads / writes data on the IC chip through the IC chip interface provided in the wireless terminal 100) is further included to read / write the replacement card information.

Referring to (a) and (b) of FIG. 3, the wireless terminal 100 basically includes a control unit 330, a screen output unit 340, a key input unit 345, a wireless processing unit 355, and a voice processing unit 360. ) And a memory unit 300 and a battery 370 for power supply, the control unit 330 is provided with a wireless payment unit 335 for wireless payment processing according to a preferred embodiment of the present invention, the memory The alternative payment program 305 is recorded in the unit 300. However, in FIG. 3 (b), the replacement card information storage unit of the alternative payment program 305 is ISO / IEC 7816 and / or EMV (Europay) in the memory unit on the IC chip mounted or detached from the wireless terminal 100. , Master, VISA) based on the alternative card information storage unit 320 is provided.

The controller 330 is characterized in that to control and manage the overall operation of the wireless terminal 100. That is, all functions and / or tasks performed through the wireless terminal 100 are performed through the control unit 330, which is configured to perform at least one or more function performing units (eg, provided in the wireless terminal 100). , At least one function and / or task in conjunction with a screen output unit, a key input unit, a wireless processing unit, and / or a voice processing unit).

According to a preferred embodiment of the present invention, the controller 330 is provided with a wireless payment unit 335 for wireless payment processing.

The screen output unit 340 receives at least one or more key data generated by the key input unit 345 and / or various information and signals generated and / or generated during the control process of the control unit 330. It is characterized in that it serves to output to the screen (for example, LCD (Liquid Crystal Display)) provided in.

The key input unit 345 includes a plurality of number keys, a character key for inputting characters, at least one function key, and the like, and the user of the wireless terminal 100. When a predetermined key is pressed, the corresponding key data is generated and provided to the controller 330.

The radio processor 355 may process radio frequency signals transmitted and received in a radio communication section between the radio terminal 100 and a base station on a mobile communication network through radio frequency (RF). The wireless processing unit 355 and at least one base station provided on the mobile communication network are connected through a wireless section, and the base station includes a control station, an exchange station, a home location register (HLR) / Visitor Location Register (VLR) provided on the mobile communication network. And a data communication channel connected to the server 100 according to the present invention through at least one gateway (G / W) connected to the mobile communication network through an interworking function (IWF) or the like. Connect

The voice processor 360 encodes a voice signal input from the microphone and transmits the encoded audio signal to the wireless processor 355 through the controller 330, and decodes a signal received through the wireless processor 355. And a function of outputting as a voice signal to the speaker via 330. In particular, the voice signal input and output through the voice processor 360 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 355.

The short range communication unit 365 is a communication means for the wireless payment unit 335 provided in the wireless terminal 100 to provide payment means information to the payment terminal device 105 for wireless payment processing. It is used by the provided wireless payment unit 335, characterized in that it provides for transmitting and receiving financial messages with the payment terminal device 105 based on at least one or more wireless payment protocol. Preferred local area communication unit 365 is an infrared communication unit that satisfies IrFM of IrDA.

The memory unit 300 may include a predetermined program code for controlling the overall operation of the wireless terminal 100, a space in which information and / or data input and / or outputted when an operation by the program code is performed, and And / or a generic term for a storage area, typically wireless in the form of read-only memory such as read only memory (ROM) and read / write memory such as electrically erasable and programmable read only memory (EEPROM) or flash memory (FM). Characterized in that the terminal 100 is provided.

According to the present invention, in the memory unit 300, a payment settlement control unit 315, a payment execution unit 310, and / or a replacement card information storage unit 320, etc. are recorded therein, The alternative payment program 305 is an agent program included in the wireless terminal 100, includes a program code and execution data executable by the control unit 330 of the wireless terminal 100, and is provided in the wireless terminal 100. And a function of acquiring and / or releasing control authority for at least one or more components provided in the wireless terminal 100 through an operating system.

According to a preferred embodiment of the present invention, the program code included in the alternative payment program 305 is a program code for storing the replacement card activation information received from the server 100, the replacement card based on the replacement card activation information A program code for determining issuance, a program code for controlling payment authority, a program code for performing an alternative card payment in association with the wireless payment unit 335, and the execution data is replaced with the received data from the server 100. Included in the card activation information and the replacement card activation information, or the replacement card information stored in the replacement card information storage unit 320, the wireless terminal 100 components that are controlled through the operating system is the wireless payment unit 335 And / or a short-range communication unit 365 for performing short-range communication with a payment terminal 105 for wireless payment processing.

4 is a simple flowchart of a process of issuing a replacement card to the wireless terminal 100 according to a preferred embodiment of the present invention.

According to a preferred embodiment of the present invention, Figure 4 is provided with an original card information file and a replacement card issue information file for the original card 145 owned by the customer in a storage medium provided in the server, RFID reading function is provided; Starting from extracting the RFID tag information from the RFID tag attached to the original card 145 through the provided customer's wireless terminal 100.

The RFID reader 350 of the wireless terminal 100 extracts and reads RFID tag information from the RFID tag attached to the original card 145 in which the original card information file is registered in the storage medium 140 of the server 115. 400a. At this time, the RFID tag information includes an identification code for identifying that the article to which the RFID tag is attached, a unique code uniquely assigned to the original card 145 among the cards, and the RFID reader 350 Through the identification code of the RFID tag information extracted as described above it is read that the article to which the RFID tag is attached.

According to a preferred embodiment of the present invention, the RFID reader 350 transmits the RFID tag information to the server 115 only when the article to which the RFID tag is attached is a card.

When the RFID tag information is extracted and read from the RFID tag attached to the original card 145 as described above, the RFID reading unit 350 uses a wireless processing unit 355 provided in the wireless terminal 100 through a mobile communication network. The RFID tag information is transmitted to the server 100 (405a), and the replacement card issuing unit 130 of the server 100 stores the remote card information matching the received RFID tag information in the storage medium 140. It is searched whether it is registered (410a).

According to a preferred embodiment of the present invention, the RFID tag information transmitted by the RFID reader 350 to the server 115 is included in the remote card information registered in the storage medium 140 through the replacement card register 120. It is preferable to match the tag information. For example, if the RFID tag information included in the original card information file registered in the storage medium 140 of the server 100 includes an identification code and a unique code, the RFID tag information transmitted by the RFID reader 350 is also identified. It is preferable to include the code and the unique code.

If the RFID tag information matching the RFID tag information is not retrieved from the remote card information registered in the storage medium 140 (415a), the replacement card issuing unit 130 of the server 100 generates an error message and wirelessly generates the error message. After transmitting and outputting to the terminal 100 (420a), the process of issuing a replacement card to the wireless terminal 100 is terminated.

On the other hand, if the RFID tag information matching the RFID tag information is retrieved from the remote card information registered in the storage medium 140 (425a), the replacement card issuing unit 130 of the server 100 from the storage medium 140 The replacement card issuance information file corresponding to the RFID tag information is extracted and read (430a).

For example, if there are a plurality of replacement card issuance information files as shown in FIG. 2, the replacement card issuing unit 130 of the server 115 may determine the issuing time and / or the issue location of the replacement card (eg, from a positioning server on a mobile communication network). Extracts and reads a replacement card issuing information file corresponding to the replacement card to be issued to the customer's wireless terminal 100 based on the current location of the wireless terminal 100 provided with the alternative payment program received.

When the replacement card issuance information file corresponding to the replacement card to be issued to the customer's wireless terminal 100 is extracted and read as described above, the replacement card issuing unit 130 of the server 115 is configured to issue the replacement card to the customer. In operation 435a, it is determined whether the replacement card information is included in the replacement card activation information to be provided to the wireless terminal 100.

If the replacement card information is included in the replacement card activation information (440a), the replacement card issuing unit 130 of the server 115 extracts the replacement card information to be included in the replacement card activation information from the storage medium 140 or After generating and / or randomly generating (445a) and replacing and / or adding the replacement card information to the wireless card 100, the replacement card activation information including the extracted or generated replacement card information is generated and transmitted to the wireless terminal 100 ( 450a).

On the other hand, if the replacement card activation information does not include the replacement card information (455a), the replacement card issuing unit of the server generates the replacement card activation information that does not include the replacement card information and transmits to the wireless terminal (100).

When the replacement card activation information is received from the replacement card issuing unit 130 provided with the server 115 to the wireless terminal 100 provided with the latest version of the alternative payment program 305 (400b), the wireless terminal The substitute card information storage unit 325 of the substitute payment program 305 included in the 100 determines whether the substitute card information is included in the substitute card activation information (405b).

If the replacement card activation information includes the replacement card information (410b), the replacement card information storage unit 320 extracts the replacement card information from the replacement card activation information, the memory provided in the wireless terminal 100 The unit 300 stores the memory unit on the IC chip mounted or detached from the wireless terminal 100 (415b), and the payment execution unit 310 of the alternative payment program 305 stores the replacement card information storage unit ( Substitute payment using the newly stored substitute card information in 320).

On the other hand, if the replacement card information is not included in the replacement card activation information (420b), the process of storing the replacement card information in the replacement card information storage unit 320 is omitted to maintain the existing replacement card information, replacement payment program The payment execution unit 310 of 305 performs a replacement card payment using the replacement card information already stored in the replacement card information storage unit 320.

The payment performing unit 310 handles the replacement card payment method using the replacement card information in FIG.

If the replacement card information storage unit 325 updates or maintains the replacement card information through the above process, the payment authority control unit 315 of the replacement card payment means 305 activates the replacement card included in the replacement card activation information. It is determined whether a replacement card is issued based on the / inactivity flag (425b).

If the replacement card activation / inactivity flag included in the replacement card activation information is "inactive" (430b), the payment authority control unit 315 of the alternative payment program 305 is the alternative payment program 305 is the wireless terminal 100 It is determined whether the payment authority using the wireless payment unit 335 is already provided (435b), and if the payment authority is already obtained in the alternative payment program 305 (440b), the payment authority control unit 315 ) Cancels the payment authority using the wireless payment unit 335 provided in the wireless terminal 100 and terminates the replacement card issuing process, while if the payment authority is not obtained in the alternative payment program 305 (445b). The payment authority control unit 315 ends the replacement card issuing process.

On the other hand, if the replacement card activation / inactivity flag included in the replacement card activation information is "Active" (450b), the payment authority control unit 315 of the alternative payment program 305 is a wireless payment unit provided in the wireless terminal 100 ( In operation 335, payment authority using the payment authority is obtained (455b).

According to a preferred embodiment of the present invention, when the payment authority control unit 315 of the alternative payment program 305 obtains the payment authority using the wireless payment unit 335 provided in the wireless terminal 100, the wireless terminal ( The wireless payment process using 100) is preferably made through a replacement card for which payment authority has been obtained.

According to the present invention, when the wireless payment authority is obtained by the alternative payment program 305 provided in the wireless terminal 100 of the customer through the above process, the replacement card is issued to the wireless terminal 100 of the customer. .

When the replacement card is issued to the customer's wireless terminal 100 as described above, the payment authority control unit 315 of the alternative payment program 305 issuing a replacement card included in the replacement card activation information used in the replacement card issuing process. On the basis of the information file, it is determined whether the replacement card function is released (460b).

According to a preferred embodiment of the present invention, it is preferable that the replacement card issued as described above releases the replacement card function after the number of times of use and / or the expiration date. Accordingly, the payment authority control unit 315 of the alternative payment program 305 monitors the payment execution unit 310 of the alternative payment program 305 during the validity period of the replacement card, thereby releasing the replacement card function for the replacement card. Determine.

If it is determined that the replacement card function release for the replacement card issued to the wireless terminal 100 (465b), the payment authority control unit of the alternative payment program is the wireless payment unit 335 provided with the alternative payment program in the wireless terminal 100. Automatically release the payment authority using (470b). As a result, the replacement card issued to the customer's wireless terminal 100 expires and is automatically discarded.

Of course, the customer is forcibly canceling the payment authority using the wireless payment unit 335 with respect to the replacement card issued as described above through the key input unit 345 provided in the wireless terminal 100 as described above. It is clear that it is also possible for the customer to forcibly discard the replacement card.

5 is a simple flowchart of a wireless payment process using a replacement card issued to the wireless terminal 100 according to a preferred embodiment of the present invention.

The replacement card issued to the wireless terminal 100 of the customer through the process of Figure 4 is automatically discarded at the end of its life, or until the customer is forcibly discarded, the payment execution unit 310 of the alternative payment program 305 The wireless payment process is performed using the replacement card information stored in the replacement card information storage unit 320.

According to the present invention, the wireless payment process using the replacement card is dependent on the technical features of the wireless payment unit 335 provided in the wireless terminal 100 and the wireless payment protocol included in the wireless payment unit 335. For example, if the wireless payment protocol selects a payment method in the wireless terminal 100 and provides payment method information to the payment terminal device 105, it is preferable that the wireless payment method using a replacement card also follows the payment protocol as described above. Do. Alternatively, when the wireless payment protocol requests payment means information from the payment terminal device 105 to the wireless terminal 100, if the wireless terminal 100 provides payment information corresponding thereto, wireless payment using an alternative card The method also preferably follows the payment protocol as described above.

However, in the wireless payment method using a replacement card issued to the wireless terminal 100 according to the preferred embodiment of the present invention, the payment means information provided from the wireless terminal 100 to the payment terminal device 105 is shown in FIG. Substitute card information for the replacement card issued to the wireless terminal 100 through the process, characterized in that the validity of the replacement card is authenticated in the payment approval process.

5 according to a preferred embodiment of the present invention, when the payment terminal device 105 requests the provision of payment means information to the wireless terminal 100, the wireless terminal 100 to the payment terminal device 105 to the replacement card The present invention relates to a preferred case where payment processing is performed by providing payment means information including corresponding substitute card payment information.

Referring to FIG. 5, the payment terminal device 105 generates payment information including a payment amount, and payment means information for generating a payment request message to the wireless terminal 100 through short-range communication (for example, IrFM of IrDA). When requesting, the payment performing unit 310 of the alternative payment program 305, the payment authority for the wireless payment using the wireless terminal 100 through the process of Figure 4 is replaced from the replacement card information storage unit 320 Extract the card information (505), and the payment means information (e.g., credit card number included in the replacement card) corresponding to the replacement card to be included in the payment means information to be provided to the payment terminal device 105 from the replacement card information After extraction (510), the payment means information corresponding to the substitute card is processed into a wireless payment protocol applied to the wireless payment unit 335 (515). For example, if the payment means information corresponding to the replacement card is credit card payment means information provided in the IC card, the replacement card payment authentication unit 135 of the server 100 is confidentiality (Confidentiality) of the credit card payment means information, A PIN (Personal Identification Number) required to ensure authentication, integrity, and nonrepudiation is added to the payment means information corresponding to the substitute card.

The payment performing unit 310 of the alternative payment program 305 included in the wireless terminal 100 extracts the payment means information corresponding to the replacement card from the alternative card information storage unit 320 through the above-described process. After processing with a wireless payment protocol applied to the wireless payment unit 335 provided in the terminal 100, the wireless payment unit 335 provided in the wireless terminal 100 corresponding to the replacement card processed as described above The payment means information is provided to the payment terminal device 105 through the wireless payment protocol (520).

According to a preferred embodiment of the present invention, the process of providing the payment means information corresponding to the replacement card from the wireless terminal 100 to the payment terminal device 105 as described above is provided in the wireless payment unit 335 Reliability is guaranteed by the protocol.

Through the above process, the payment execution unit 310 of the alternative payment program 305 provided in the wireless terminal 100 transmits payment means information corresponding to the replacement card through the wireless payment unit 335. ), The payment terminal device 105 generates a full payment request message including payment means information (eg, payment means information corresponding to the replacement card) provided from the wireless terminal 100, and processes a credit card payment process. In accordance with the VAN transmits the full payment request to the payment server 110 (525).

When a payment request message including payment means information is received from the payment terminal device 105, the payment server 110 extracts payment means information (eg, payment means information corresponding to a replacement card) from the payment request message. The transfer request to the replacement card payment verification unit 135 provided in the 115 to request the payment authentication (530).

When the payment method information included in the payment request message is received from the payment server 110 as described above, the replacement card payment authentication unit 135 of the server 115 is based on the card information included in the payment method information server ( In operation 535, the replacement card information of the storage medium 140 included in the storage medium 140 is searched to determine whether the payment card information includes the replacement card information.

If the replacement card information corresponding to the card information included in the payment means information is not found in the replacement card information from the storage medium 140 provided in the server 115 (540), the replacement card information is included in the payment means information. It is not included. Accordingly, the replacement card payment authentication unit 135 of the server 115 transmits the replacement card information authentication error (eg, the payment method information does not include the replacement card information) to the payment server 110 (545). The payment server 110 processes the payment approval for the payment means information according to the existing payment processing process, completes the payment processing by generating a payment approval message and transmitting it to the payment terminal device 105 (550).

On the other hand, if the replacement card information corresponding to the card information included in the payment means information to the replacement card information from the storage medium 140 provided in the server 115 (555), the replacement card payment authentication unit of the server 115 Based on the replacement card information corresponding to the payment means information, the reference numeral 135 replaces the replacement card issuance information file and the replacement card issuance information file and / or the replacement card payment history information file for the corresponding replacement card. The validity of the card is determined (560).

According to a preferred embodiment of the present invention, the replacement card issuance information file includes the validity period of the use number of the replacement card, the total payment limit amount, and the one time payment limit amount, and the like. The details information file stores the issuance details and / or payment details of the replacement card. Accordingly, the replacement card payment authentication unit 135 determines whether a replacement card corresponding to the replacement card information is currently available based on the replacement card issuance information file, the replacement card issuance information file, and / or the replacement card payment history information file. It is possible to determine, whereby the validity of the replacement card is authenticated.

If the validity of the substitute card corresponding to the payment method information is not authenticated (565), the replacement card payment authentication unit 135 of the server 115 is the payment server 110, the replacement card validity authentication error (for example, payment method) A payment process through a substitute card corresponding to the information cannot be approved), and transmits it to the payment server 110 (570), and the payment server 110 generates a payment approval error using the replacement card validation error. In operation 575, the payment process is terminated by transmitting the payment approval message including the payment approval error to the payment terminal device 105.

On the other hand, if the validity of the alternative card corresponding to the payment method information is authenticated (580), the replacement card payment authentication unit 135 of the server 115 is the payment server 110, the authentication result of the payment method information corresponding to the replacement card In step 585, the payment server 110 performs a payment approval process for payment means information corresponding to the replacement card based on the authentication result, and generates a payment approval message to the payment terminal device 105. The payment process is completed by sending (590).

6 is a simple flowchart of a wireless payment process using a replacement card issued to the wireless terminal 100 according to a preferred embodiment of the present invention.

The replacement card issued to the wireless terminal 100 of the customer through the process of Figure 4 is automatically discarded at the end of its life, or until the customer is forcibly discarded, the payment execution unit 310 of the alternative payment program 305 It is possible to perform wireless payment processing using the replacement card information stored in the replacement card information storage unit 320. In addition, the replacement card information stored in the replacement card information storage unit 320 of the alternative payment program 305 through the process of Figure 5 can be maintained for a certain period of time, as described above valid for the alternative payment program 305 If the card information is provided, the payment processing process using the alternative payment program 305 can be processed in the offline state without access to the server 100 as shown in FIG.

6 according to a preferred embodiment of the present invention, when the payment terminal device 105 requests the wireless terminal 100 to provide payment means information, the original card 145 is approached to the wireless terminal 100 of the customer. Extracts and reads RFID tag information from an RFID tag, and when the alternative payment program 305 and the alternative payment information are provided to the wireless terminal 100, a preferable case in which payment processing is performed without accessing the server 115. It is about.

Referring to FIG. 6, the payment terminal device 105 generates payment information including a payment amount, and payment means information for generating a payment request message to the wireless terminal 100 through short-range communication (for example, IrFM of IrDA). Request (600), the RFID reader provided in the wireless terminal 100 extracts and reads RFID tag information from the original card 145 (605), and the alternative payment program provided in the wireless terminal 100 ( The validity of 305 is determined (610).

For example, if the payment authority for the wireless payment using the wireless terminal 100 is maintained through the process of FIG. 4 and the alternative payment program 305 is activated through the process of FIG. The validity of the payment program 305 is authenticated.

If the validity of the alternative payment program 305 as described above is not authenticated (615), the RFID reader terminates the replacement card payment process using the RFID tag information of the original card 145.

On the other hand, if the validity of the alternative payment program 305 is authenticated (620), the RFID reader 350 provides the RFID tag information of the original card 145 to the alternative payment program 305 (625), the alternative payment program In operation 630, the validity of the replacement card information stored in the replacement card information storage 320 is determined.

For example, if the number of times of use of the replacement card and / or the period of use remain for the replacement card information stored in the replacement card information storage unit 320 through the process of FIG. 5, the validity of the replacement card information is authenticated.

If the validity of the above alternative payment information is not authenticated (635), the RFID reader 350 requests the replacement card activation information from the server 115 as shown in FIG. 5, and the replacement card activation information as shown in FIG. Perform the alternative payment process using (640).

On the other hand, if the validity of the alternative payment information is authenticated (645), the payment execution unit 310 of the alternative payment program 305 after extracting a valid replacement card information from the replacement card information storage unit (650), Figure In step 5, the alternative payment program 305 performs payment processing in the same manner as the payment process using the replacement card information (655).

According to the present invention, the present invention is to issue a replacement card corresponding to the RFID tag information attached to the card owned by the customer to the wireless terminal equipped with the RFID reading function, the customer's wireless terminal to replace the original card and / Alternatively, it is possible to process payment by determining as an alternative payment method.

In addition, the present invention using the RFID tag attached to at least one card owned by the customer, by determining the wireless terminal of the customer as an alternative payment means for the original card, the financial IC mounted or detached on the wireless terminal In addition to the payment means provided on the chip, wireless payment processing using various customer-owned cards is possible.

In addition, the card issuing agency can provide a wireless payment system using the wireless terminal independently of the IC chip issuer (= mobile communication company) mounted or detached from the wireless terminal.

Claims (1)

Links RFID tag information stored in an RFID tag included in a card processing a user's payment with information (or a program) that provides an alternative card payment method to process a payment by replacing a payment to be processed through the card through a wireless terminal. Storage medium for storing; And Receiving RFID tag information extracted from the RFID tag provided in the card from the wireless terminal, and extracts information (or program) for providing an alternative card payment means connected to the RFID tag information from the storage medium to the wireless terminal Providing a server; Wireless payment system comprising a.

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