KR101051771B1 - IC pass card charging system and charging method thereof - Google Patents

Abstract

The present invention relates to a charging system and method of an IC pass card, and more particularly, card information including a unique number of a card and financial information required for payment processing by a payment means, and balance information on a charged amount. IC pass card storing; A vehicle terminal for reading card information from the IC pass card and transmitting the card information to the mobile phone, and updating the balance information stored in the IC pass card based on the received charge start information when the charge start information is received from the mobile phone; And charging means information including a charge amount to be charged to the IC pass card and a payment means to settle the charge amount, and generate payment information using the card information transmitted from the vehicle terminal and the input charging means information. The mobile terminal transmits the received payment information to the payment processing system, generates a charging start information including the charged amount, and transmits it to the vehicle terminal when receiving the payment approval information indicating that the payment is approved from the payment processing system. The mobile phone relates to a vehicle IC pass card charging system and a charging method characterized by communicating with each other using a short range wireless communication means.

IC pass card, high pass card, financial information, pin number, vehicle terminal, mobile phone

Description

Charging system of IC pass card and its charging method {System and Method of filling up IC PASS Card}

The present invention relates to a charging system and a charging method for an IC pass card for a vehicle, and more particularly, a payment amount to be charged in an IC pass card using near field communication between a vehicle terminal and a mobile phone equipped with an IC pass card. The present invention relates to a charging system and a charging method for an IC pass card for a vehicle which can charge a desired amount in an IC pass card by exchanging necessary information and paying a charge amount using mobile communication between a mobile phone and a payment processing system.

Recently, a Hi-Pass system has been installed on toll roads, and when a car is equipped with a high-pass vehicle terminal, it is possible to collect tolls automatically even while driving. The high-pass vehicle terminal mounted in the vehicle is a method of inserting a high-pass card, which is charged with a predetermined amount, detachably, and the amount of use of the toll road exits from the charged amount of the high-pass card. Therefore, if there is no charge on the High Pass card, you need to add a certain amount to the High Pass card.

However, in order to recharge the desired amount of money in the high pass card, the inconvenience of having to go to the charging station for charging the high pass card, and the high pass card charging station was inconvenient. And in order to reduce the inconvenience of going to the charging station, there is also a way to charge the computer, but there is also a lot of inconvenience, such as having to carry a high-pass card reader or a high-pass vehicle terminal.

Therefore, the individual can easily charge the desired amount without going to the charging station that charges the high pass card, and can easily charge the desired amount without carrying the high pass vehicle terminal, and does not have a credit or check card Even if the card information is not known, there is a continuous demand for a method of charging a high pass card.

On the other hand, the high pass system is mainly used for toll roads today, but is not limited to tolls on toll roads, but various places such as car theatres, driver ordered restaurants, car centers, parking lots, etc. The demand for unmanned collection systems in the country is growing.

In the case of the above place, it is possible to install and operate the same unmanned collection system as the high pass system, and a charging system and a charging method for a universal card that can be used in this case as well as a high pass card are required.

The problem to be solved by the present invention relates to a vehicle IC pass card charging system and a charging method, and a vehicle IC pass card charging system and a method for charging an IC pass card using a mobile phone and a vehicle terminal in an automobile. To provide.

An IC card charging system for a vehicle according to an embodiment of the present invention includes an IC storing card information including a unique number of a card, financial information required for payment processing by a payment means, and balance information on a charged amount. Pass card; A vehicle terminal for reading card information from the IC pass card and transmitting the card information to the mobile phone, and updating the balance information stored in the IC pass card based on the received charge start information when the charge start information is received from the mobile phone; And charging means information including a charge amount to be charged to the IC pass card and a payment means to settle the charge amount, and generate payment information using the card information transmitted from the vehicle terminal and the input charging means information. The mobile terminal transmits the received payment information to the payment processing system, and generates a charging start information including the charged amount when the payment approval information is received from the payment processing system. The vehicle terminal and the mobile telephone are characterized in that they communicate with each other using a short range wireless communication means.

Preferably, the IC pass card further stores a pin number for authenticating the user, the mobile phone receives the pin number and transmits it to the vehicle terminal, and the vehicle terminal reads the pin number of the IC pass card and the mobile phone. The user can be authenticated by comparing the pin number sent from the read pin number.

Preferably, the financial information may include at least one of credit card related information and bank account information.

Preferably, the short-range wireless communication means of the Bluetooth (Bluetooth), wireless LAN (WLAN), Zigbee (zigbee), ultra-wideband communication (UWB), infrared communication (IR), RF (RF) communication and WiFi (WiFi) of It may be a communication means using either.

Preferably, the vehicle terminal includes a storage unit for storing the card information, balance information, and pin number of the IC pass card, the card charging system is stored in the storage unit when the IC pass card is removed from the vehicle terminal Card information, balance information, and the pin number can be used.

In accordance with an aspect of the present invention, there is provided a method for recharging a vehicle IC pass card, the method comprising: (a) receiving charging means information including a charging amount to be charged and a payment means to settle a charging amount; (b) reading the card information from the IC pass card, which stores the card information and the balance information for the charged amount; (c) generating payment information using the input charging means information and the read card information; (d) transmitting the generated payment information to a payment processing system; And (e) generating charging start information for charging the IC pass card as much as the charged amount, when payment approval information indicating that the payment has been approved is received from the payment processing system; And (f) updating the balance information stored in the IC pass card based on the generated charging start information, wherein the vehicle terminal and the mobile phone communicate with each other using a short range wireless communication means.

Preferably, the IC pass card further stores a pin number for authenticating the user, and the vehicle IC pass card charging method further comprises: (g1) receiving a pin number from the user before performing step (b); (g2) reading the pin number from the IC pass card; And (g3) comparing the input pin number with the read pin number to authenticate the user.

According to the present invention, by using a vehicle terminal installed in a car and a mobile phone owned by anyone, the IC pass card can be easily charged anytime, anywhere.

In addition, according to the present invention, the authentication process using the pin number stored in the IC pass card to protect the personal information and financial information, the authenticity of the identity is sure, even if the IC pass card lost information protection and Unauthorized use of others can be prevented.

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

1 is a schematic diagram schematically illustrating a vehicle IC pass card charging system according to an embodiment of the present invention.

The IC IC card charging system for a vehicle according to an embodiment of the present invention includes a IC terminal card 300, a vehicle terminal 200 that can be detachably mounted to an IC passage card 300, and a near field communication with the vehicle terminal 200. A mobile phone 100 for exchanging information using short-range wireless communication or wired communication), and a payment processing system 400 for exchanging information using mobile phone 100 and mobile communication (CDMA, GSM). ) May be further included.

The IC pass card 300 is a rechargeable card used in a high pass system and is a smart card with an IC chip embedded therein and is detachably mounted to the vehicle terminal 200. The IC toll card 300 may include a credit card and a check card function in addition to the toll payment function for use in the high pass system, and is also not limited to the toll payment of the high pass system. It may be used to pay the fee at places where charges are charged, such as theaters, driver-order restaurants, car centers, and parking lots.

The vehicle terminal 200 interfaces with an IC pass card 300 that is detachably mounted, passes through a toll road where a high pass system is installed, or attempts to pay a use fee at a place where the use fee is charged. It is a device to pay the corresponding amount. The vehicle terminal 200 according to the embodiment of the present invention is responsible for not only the payment function of the toll or use fee but also the function of charging the IC toll card 300 by a desired amount.

The mobile phone 100 exchanges information about the IC pass card with the vehicle terminal 200 using near field communication, and charges the IC pass card 300 with the payment processing system 400 using mobile communication. By exchanging necessary information related to the amount and payment to be charged to the IC pass card 300 as much as the desired amount.

2 is a block diagram showing a vehicle IC pass card charging system according to an embodiment of the present invention.

The vehicle IC pass card charging system according to an embodiment of the present invention includes an IC pass card 300, a vehicle terminal 200, and a mobile phone 100, and may further include a payment processing system 400. have.

The IC pass card 300 stores the card information 310 and 330 and the balance information 340, and may further store a personal identification number (PIN) 320.

The card information 310 and 330 may include a unique number 310 of the IC pass card 300 and may further include financial information 330 according to a payment method. The unique number 310 is unique information for identifying each IC pass card, and is a number given when each user is issued an IC pass card to use the IC pass card.

The financial information 330 is information necessary for payment of a desired recharge amount when the IC pass card 300 is to be recharged and is information including at least one of credit card related information and bank account information. Credit card-related information is information used when paying with a credit card and includes at least one or more of a credit card company, a credit card number, a credit card expiration date, a card verification code (CVC), and a password for a credit card. The information is used for payment by check card and wire transfer, withdrawal bank, check card number or cash card number, withdrawal bank account number, withdrawal password, withdrawal information, withdrawal bank, deposit account bank number, and deposit May contain at least one piece of information during the week.

The balance information 340 is information indicating the amount of money currently charged in the IC pass card 300. The balance information 340 is information that is deducted according to the amount used by the user and increases according to the amount of charge when the charge is completed.

The pin number 320 is a unique number assigned to an individual, and is information necessary to confirm (authentication) that the user is a user in place of a social security number. The PIN number 320 stored in the IC pass card 300 is compared with the pin number input by the user through the mobile phone 100, and the unique number stored in the IC pass card 300 only when both match. By reading the 310 and the financial information 330, and proceeds with the payment of the recharge amount to protect the personal information and ensure the safety of the payment procedure.

The vehicle terminal 200 may include a processing unit 210, a communication unit 220, a charging unit 240, and a reading unit 250, and may further include a display unit 230. The vehicle terminal 200 reads the card information 310 and 330 from the IC pass card 300 and transmits it to the mobile phone 100, and receives the charging start information including the charge amount from the mobile phone 100. The remaining balance information 340 stored in the IC pass card 300 is updated based on the charging start information.

First, the reading unit 250 may read the card information 310, 330 from the IC pass card 300, and further read the balance information 340 and the pin number 320. Card information read out from the IC pass card 300 is transmitted to the mobile telephone 100, and the balance information 340 is displayed on the display unit 230.

On the other hand, the card information (310, 330) includes information that should not be exposed to others, such as personal information and financial information. Therefore, in the present invention, authentication is performed for the user by using the pin number 320 read out from the IC pass card 300 and the pin information received from the mobile phone, and the card information 310 only when authentication is successful for the user. 330 is preferably read out.

The communication unit 220 includes a short range wireless communication means (not shown), and exchanges information with the mobile telephone 100 using short range wireless communication. The communication unit 220 receives the pin number input by the user from the mobile phone 100, provides the processing unit 210, and provides the card information 310 and 330 read from the IC pass card 300 to the mobile phone 100. To send).

In addition, the communication unit 220 receives the charging start information including the charge amount from the mobile phone 100 and provides it to the charging unit 240, the IC pass card 300, the charge completion information that the completion of the charge amount to the mobile phone ( 100).

Short-range wireless communication means of the communication unit 220 is Bluetooth, WLAN, Zigbee, Ultra-wideband ("UWB") communication, infrared (IR), RF (RF) communication And short-range wireless communication means according to any one of Wi-Fi (WiFi) may be used.

Meanwhile, the communication unit 220 may include data communication means (not shown) that enables data communication using a communication cable. The data communication means of the communication unit 220 performs data communication with the mobile telephone 100 through a serial cable, a USB cable or a dedicated cable for connecting a mobile telephone.

When the charging unit 240 receives the charging start information from the mobile phone 100, the charging unit 240 updates the remaining balance information stored in the IC pass card 300 based on the received charge start information, indicating that the IC pass card 300 has been charged. The charging completion information is generated and provided to the communication unit 220. That is, the charging unit 240 increases the amount of the charge amount included in the charging start information to the amount indicated by the existing balance information and stores it as new balance information, thereby charging the charge amount in the IC pass card 300. On the other hand, the charging completion information may further include information that the charging failed if charging fails for some reason.

The processor 210 receives a pin number input by the user from the mobile phone 100 and performs a pin number authentication role for comparing the pin number input by the user with the pin number read by the reader 250. That is, the processor 210 determines that the pin number approval is successful only when the pin number input by the user and the pin number read by the reader match, and the card information 310 as a subsequent procedure only when the pin number approval is successful. Readout 330 and charging of the IC pass card are performed. The processor 210 also controls each component 220, 230, 240, and 250 of the vehicle terminal 200 and information exchange between the components.

In addition, the processing unit 210 may further include a storage unit 215, and the storage unit 215 stores credit card related information or bank account information read from the IC pass card.

On the other hand, IC pass card 300 stores a unique number, but does not have a credit card or check card function or related to credit card including the financial information described above (eg, credit card number, credit card expiration date, etc.) Information or bank account information, including check card or cash card number, withdrawal bank, or withdrawal bank account number). In this case, the user first inserts a financial card such as a credit card, check card, or cash card into the vehicle terminal 200 so that the financial information contained in the financial card is read and stored in the storage unit 215, and the financial After removing the card from the vehicle terminal 200, the IC pass card 300 is inserted into the vehicle terminal 200. The processor 210 transmits the financial information stored in the storage unit 215 together with the unique number of the IC pass card 300 to the mobile phone 100 even though the IC pass card does not contain the financial information. To help.

The mobile phone 100 includes an input unit 140, an output unit 150, a control unit 110, a first communication unit 120, and a second communication unit 130. The mobile phone 100 receives charging means information from the user, generates payment information using the card information 310 and 330 transmitted from the vehicle terminal 200 and the input charging means information, and generates the generated payment information. Sending to the payment processing system 400, when receiving the payment approval information that the payment is approved from the payment processing system 400 serves to generate the charging start information including the charge amount to transmit to the vehicle terminal 200.

The input unit 140 receives charging means information and a pin number from the user. Here, the charging means information includes information on the amount of charge to be charged in the IC pass card 300 and information about the means of payment to pay the amount of charge.

The first communication unit 120 includes a short range wireless communication means (not shown), and exchanges information with the vehicle terminal 200 through short range wireless communication. The first communication unit 120 transmits the pin number input from the input unit 140 to the vehicle terminal 200, receives the card information read from the IC pass card 300 from the vehicle terminal 200, and controls the control unit 110. To provide.

Short-range wireless communication means of the first communication unit 120 is Bluetooth (Bluetooth), WLAN (WLAN), Zigbee (zigbee), ultra-wideband communication (UWB), infrared communication (IR), RF (RF) communication and WiFi (WiFi) Short-range wireless communication means according to any one of) may be used.

The first communication unit 120 of the mobile phone 100 and the communication unit 220 of the vehicle terminal 200 include short-range wireless communication means, respectively. In the case of short-range wireless communication, for example, an identification code for identifying each communication device is provided, such as a Bluetooth ID. In the present invention, the mobile phone 100 and the vehicle terminal 200 each search for their own surroundings. Recognizes a device capable of short-range wireless communication in the vicinity and registers it by receiving an identification code of the device (first registration only once). As a result, the mobile phone 100 and the vehicle terminal 200 may further shorten the settlement time when the settlement of the charged amount is made later.

Meanwhile, the first communication unit 120 of the mobile phone 100 may include data communication means (not shown) that enables data communication using a communication cable. The data communication means of the first communication unit 220 performs data communication with the vehicle terminal 200 through a serial cable, a USB cable or a dedicated cable for connecting a mobile phone.

The controller 110 generates payment information by using the card information received from the vehicle terminal 200 and the charging means information input from the input unit 140, and each component 120, 130, 140, 150 of the mobile phone 100 and each of the components. It controls the exchange of information between components.

The payment information generated by the controller 110 may include a unique number of the IC pass card, financial information about a payment method, information about the amount of charge to be charged in the IC pass card 300, and payment means such as a payment means for payment of the amount of charge. It includes all the necessary information, and is sent to the payment processing system 400 is used to pay the amount of the charge.

In addition, when the second communication unit 130, which will be described later, receives payment approval information, the control unit 110 generates charging start information for charging the amount of charge input from the user and provides the charging start information to the first communication unit 120.

The second communication unit 130 includes a mobile communication means (not shown), and exchanges information with the payment processing system 400 through mobile communication by a mobile communication (CDMA, GSM) provider. The second communication unit 130 transmits the payment information generated by the control unit 110 to the payment processing system 400 and receives payment approval information from the payment processing system 400 indicating that payment using the payment information has been approved.

In addition, the first communication unit 120 transmits the charging start information generated by the control unit 110 to the vehicle terminal 200 and transmits the total warfare completion information that the charging for the IC pass card 300 is completed as much as the charged amount. It receives from the terminal 200.

Meanwhile, the charging completion information may include not only the information that the charging is completed, but also the information that the charging failed when the charging fails for some reason. If the charging fails, the second communication unit 130 transmits the charging completion information to the payment processing system 400, thereby causing the payment processing system 400 to cancel the payment.

The output unit 150 outputs various information such as information input through the input unit, charging start information, and charging completion information.

The mobile phone 100 may store and execute a charge-only program for charging an IC pass card and paying a charged amount, and may help a user easily charge a desired amount in the IC pass card. Such a charge-only program may be installed by directly downloading (download) to the mobile phone 100 through a mobile communication network, or may be installed by connecting a computer and a mobile phone 100 with a cable after downloading to a computer connected to the Internet.

The payment processing system 400 includes a relay server 410, a payment server 420, and a merchant server 430. The payment processing system 400 receives payment information from the mobile phone 100, processes payment of the charged amount using the received payment information, and transmits payment approval information indicating that payment using the payment information is approved. ) Is used to send. On the other hand, the payment approval information may include not only the information that the payment was approved, but also the information that the approval of the payment failed if the payment failed for some reason.

The relay server 410 is a server that relays information exchanged between the mobile phone 100 and the payment server 420, and the payment server 420 is a server of a credit card company, a bank company, and a payment agency. This means a server of a financial institution that performs final payment of a payment amount (charge amount). On the other hand, the merchant server 430 is a server for calculating the amount of money used by the IC pass card, as described above, means an operator server for operating a high-pass system, car theater, parking lot and the like.

On the other hand, the information exchanged for payment between the mobile phone 100, the vehicle terminal 200, and the payment processing system 400 is preferably encrypted information. Pin number, card information, payment information and payment result information are all important information related to personal information and financial information and are encrypted and exchanged with each other.

Hereinafter, a vehicle IC pass card charging method according to the present invention will be described. The vehicle IC pass card charging method according to the present invention is performed by the vehicle IC pass card charging system described above, and the functions of each component are the same, and thus descriptions thereof will be omitted.

3 is a flowchart illustrating a method for charging a vehicle IC pass card according to an embodiment of the present invention.

First, the user selects the charging menu through the mobile phone 100 (S40). The charging menu may be a start menu of a charging-only program stored and executed in the mobile phone.

The mobile phone receives the charging means information from the user (S41).

The mobile phone receives the card information read from the IC pass card by the vehicle terminal from the vehicle terminal (S42).

The mobile phone generates payment information using the card information received from the vehicle terminal and the charging means information input from the user, and transmits the generated payment information to the payment processing system (S43).

The mobile phone receives payment approval information received from the payment processing system (S44).

When receiving the payment information, the mobile phone generates charging start information and transmits it to the vehicle terminal (S45).

4 is a flowchart illustrating a method for charging a vehicle IC pass card according to another embodiment of the present invention.

First, the mobile phone 100 receives the charging means information from the user (S11). When the charging means information is received or the charging menu is selected as described above, the first communication unit 120 of the mobile phone 100 transmits a charging procedure start signal indicating that the charging procedure has been started to the vehicle terminal 200, thereby providing a vehicle terminal ( 200, it is preferable to prepare the card information and pin number reading.

The mobile phone 100 receives the pin number from the user and transmits it to the vehicle terminal 200 (S12).

The vehicle terminal 200 reads the pin number stored in the IC pass card 300 (S13), compares the pin number received from the mobile phone with the pin number read from the IC pass card, and performs a pin number approval step. (S14).

The vehicle terminal 200 reads out the card information from the IC pass card only when the pin number approval is successful (S15), and transmits the read card information to the mobile phone 100 (S16).

The mobile phone 100 generates payment information using the card information received from the vehicle terminal 200 and the charging means information input from the user, and transmits the generated payment information to the relay server 410 (S17).

The relay server 410 transmits the received payment information to the payment server (S18), and the payment server performs a payment approval step based on the received payment information (S19).

The payment server 420 transmits payment approval information indicating that payment using the payment information is approved to the relay server 410 when the payment approval is successful (S20). On the other hand, the payment approval information may further include information indicating that the approval of the payment using the payment information failed when the payment failed.

The relay server 410 transmits the received payment approval information to the mobile phone 100 and the affiliated server 430 (S21).

When the mobile phone 100 receives payment approval information indicating that payment using the payment information is approved, the mobile phone 100 generates charging start information and transmits the charging start information to the vehicle terminal 200 (S22).

The vehicle terminal 200 charges the charge amount in the IC pass card 300 on the basis of the received charging start information, generates charge completion information and transmits it to the mobile phone 100 (S23).

5 is a flowchart illustrating an interface of a charge-only program for charging an IC pass card installed in a mobile phone and payment of a charged amount according to the present invention. 5 illustrates an interface using a credit card, but is not limited thereto, and an interface for using various cards such as a check card and a cash card may be used.

(a) is an initial screen of the high pass charging service, and (b) is a menu selection screen.

(c) illustrates an example of charging 50,000 won as an interface for inputting a recharge amount, and (d) illustrates an interface for selecting a payment method from a credit card and a bank transfer.

(e) is a case where credit card payment is selected from a menu for selecting a payment method, and a step of receiving a PIN number of a credit card for privacy protection and secure payment. The step of inputting the pin number only needs to be located before entering the transaction confirmation, such as (c) before the interface.

(f) is an interface through which the user and the merchant owner (or merchant employee) finally receive the transaction reconfirmation about the payment procedure. The IC IC card charging system and the charging method for a vehicle according to the present invention are used before the user finally processes the payment. And the merchant may further comprise the step of receiving a final confirmation of the payment procedure.

(g) is an interface indicating that charging is in progress, and (h) is an interface for outputting charging completion information indicating that charging is completed when charging is completed.

The method may also be embodied in computer readable code on a computer readable recording medium. The computer-readable recording medium includes all the recording devices in which data read by the computer is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, optical data storage, and the like, and also include a carrier wave (for example, transmission over the Internet). The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The technical scope of the present invention described above through the embodiments is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the spirit and scope of the present invention. It is evident to those who have knowledge. Therefore, such modifications or variations will have to be belong to the scope of the invention described in the claims of the present invention.

1 is a schematic diagram schematically illustrating a vehicle IC pass card charging system according to an embodiment of the present invention.

2 is a block diagram showing a vehicle IC pass card charging system according to an embodiment of the present invention.

3 is a flowchart illustrating a method for charging a vehicle IC pass card according to an embodiment of the present invention.

4 is a flowchart illustrating a method for charging a vehicle IC pass card according to another embodiment of the present invention.

5 is a flowchart illustrating an interface of a charge-only program for charging an IC pass card installed in a mobile phone and payment of a charged amount according to the present invention.

Claims (9)

An IC pass card charging system for a vehicle comprising an IC pass card, a vehicle terminal to which the IC pass card is detachably mounted, and a mobile phone for performing near field communication with the vehicle terminal. The IC pass card stores card information including a unique number of a card and financial information required for payment processing by a payment means, balance information on a charged amount, and a pin number for confirming the identity of the user. The mobile phone receives the charging means information including a charge amount to be charged in the IC pass card, a pin number for confirming that the IC pass card is the person, and a payment means for paying the charge amount, and the vehicle terminal. Transmits the input pin number to the terminal, generates payment information using the card information transmitted from the vehicle terminal and the input charging means information, and transmits the generated payment information to a payment processing system; Receiving payment approval information that the payment using the payment information is approved from the system to generate the charging start information including the charge amount to send to the vehicle terminal, The vehicle terminal reads the pin number stored in the IC pass card, receives the input pin number from the mobile phone, compares the read pin number with the received pin number, and authenticates the user. If is authenticated, the card information is read from the IC pass card and transmitted to the mobile phone, and when the charge start information is received from the mobile phone, the balance information stored in the IC pass card is updated based on the received charge start information. , The financial information includes one of credit card related information, which is information used for payment through a credit card, and bank account information, which is information used for payment through a check card or bank transfer. And said vehicle terminal and said mobile phone communicate with each other using a short range wireless communication means. delete The method of claim 1, The credit card related information is information used when paying with a credit card and includes at least one or more of a credit card company, a credit card number, an expiration date of a credit card, and a password of a credit card. The bank account information is used for payment by check card and bank transfer. The information of the withdrawal bank, check card number or cash card number, withdrawal bank account number, withdrawal password, withdrawal information, withdrawal bank, and withdrawal bank account number, And at least one information of the deposit note. The method of claim 1, wherein the near field communication means Characterized in that the communication means using any one of Bluetooth (WLAN), Zigbee (zigbee), ultra-wideband communication (UWB), infrared communication (IR), RF (RF) communication and WiFi (WiFi). Car IC pass card charging system. The method of claim 1, wherein the vehicle terminal A storage unit for storing the credit card related information and the bank account information, The IC IC card charging system for a vehicle is characterized in that the IC card payment card charging system using the credit card information and bank account information stored in the storage unit. IC pass card which stores the card information including the unique number of the card and the financial information required for payment processing by the payment method, the balance information for the charged amount, and the pin number to confirm the identity of the user, the IC pass In the IC pass card charging method performed by the vehicle IC pass card charging system including a vehicle terminal in which the card is detachably mounted, and a mobile phone performing near field communication with the vehicle terminal. (a) receiving, by the mobile phone, charging means information including a charge amount to be charged into the IC pass card and a payment means to settle the charge amount, from the user and transmitting it to the vehicle terminal; (b) the mobile telephone, receiving a pin number from a user and transmitting the pin number to the vehicle terminal; (c) the vehicle terminal reading the pin number stored in the IC pass card from the IC pass card; (d) the vehicle terminal comparing the pin number transmitted from the mobile phone with the read pin number to authenticate the user; (e) if the user is authenticated, the vehicle terminal reading the card information from the IC pass card; (f) generating, by the vehicle terminal, payment information using the transmitted charging means information and the read card information; (g) transmitting the generated payment information to a payment processing system; And (h) generating charging start information for charging the IC pass card as much as the charged amount when payment approval information indicating that the payment has been approved is received from the payment processing system; And (i) updating the balance information stored in the IC pass card based on the generated charge start information; The financial information includes one of credit card related information, which is information used for payment through a credit card, and bank account information, which is information used for payment through a check card or bank transfer. And said vehicle terminal and said mobile phone communicate with each other using a short range wireless communication means. delete The method of claim 6, wherein the credit card related information is information used for payment through a credit card, and includes at least one or more information of a credit card company, a credit card number, an expiration date of a credit card, and a password of a credit card. The bank account information is used for payment by check card and bank transfer. The information of the withdrawal bank, check card number or cash card number, withdrawal bank account number, withdrawal password, withdrawal information, withdrawal bank, and withdrawal bank account number, And at least one or more information of the deposit note. The method of claim 6, wherein the near field communication means Characterized in that the communication means using any one of Bluetooth (WLAN), Zigbee (zigbee), ultra-wideband communication (UWB), infrared communication (IR), RF (RF) communication and WiFi (WiFi). Vehicle IC pass card charging method

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