KR101087083B1 - Smart card, user equipment, mobile payment services system and method - Google Patents

Abstract

The present invention relates to a smart card, a mobile terminal, a wireless payment service system and method, and provides information on various payment and payment means such as credit cards, debit cards, prepaid cards, membership cards, reward cards, discount coupons, free coupons, and the like. When the payment information is stored in the smart card and the selection information about the payment method is input when the payment is made, the payment process by the plurality of selected payment methods is supported to be collectively processed. The payment procedure using the additional payment settlement means is collectively processed, thereby improving convenience of use and speeding up the settlement process as compared with the prior art.

Mobile phone, mobile terminal, payment, credit card, SIM, point

Description

Smart card, mobile communication terminal, wireless payment service system and method {SMART CARD, USER EQUIPMENT, MOBILE PAYMENT SERVICES SYSTEM AND METHOD}

The present invention relates to a mobile payment service, and more particularly, to a credit card, debit card, prepaid card, membership card, point card ( The present invention relates to a smart card, a mobile communication terminal, and a wireless payment service system and method for supporting a payment payment service using a plurality of payment payment means such as a point card, a discount coupon, a free coupon, and the like.

Recently, various advances in wireless communication services using wireless networks have been provided as computers, electronics, and communication technologies have advanced dramatically. Accordingly, a service provided by a mobile communication system using a wireless communication network is developing not only a voice service but also a multimedia communication service for transmitting data such as circuit data and packet data. It is a trend.

With this trend, mobile communication terminals such as mobile phones have become a necessity of modern people.In addition to the original function of voice call, various portable digital devices (for example, camera, MP3, memo function, etc.) It is widely used in the form of including functions as additional functions.

Meanwhile, as one of the additional functions described above, a payment function using a mobile communication terminal has been developed based on the characteristic that a mobile communication terminal such as a wallet is always carried to a user. In addition, the payment function has been tried a lot in the world, especially in Korea and Japan, and in particular, the mobile terminal has been equipped with a subscriber identity module (SIM) or a universal SIM (USIM) in a mobile communication terminal with a change to 3G wideband code division multiple access (WCDMA). As smart cards are standardized to enter, there is an opportunity for mobile payments using these smart cards to be further activated.

According to the related art, when performing a payment payment using a mobile communication terminal, the mobile communication terminal executes a payment related program, presses a password, and then relays payment information between the mobile communication terminal and the payment system. Payment payment was performed by transmitting and receiving payment information through infrared communication or wireless communication using a contactless or contact method.

On the other hand, payment methods for purchasing goods or services include major payment methods such as credit cards, debit cards, and prepaid cards, and additional payment methods such as membership cards, discount coupons, free coupons, and points. These various payment methods are optionally used by the purchaser of the good or service.

However, according to the payment settlement service procedure according to the prior art, payment procedures using major payment methods such as credit cards, debit cards, prepaid cards, etc., and additional payment methods such as membership cards, point cards, discount coupons, free coupons, etc. The payment process was processed independently of each other. For example, membership cards or loyalty cards, etc., which can be used to receive discounts and credits during payment, must be presented as plastic cards separately from the mobile communication terminal, or approved for discounts in advance separately from payment even if processed by the mobile communication terminal. There was an uncomfortable problem of having to go through the procedure.

The present invention has been proposed to solve the above problems of the prior art, and stores information on various payment methods such as credit card, debit card, prepaid card, membership card, reward card, discount coupon, free coupon, etc. in a smart card. The present invention provides a mobile communication terminal-mounted smart card that supports the payment process by a plurality of selected payment settlement means collectively when inputting selection information on payment settlement means when performing payment settlement.

In addition, the present invention provides a mobile communication terminal equipped with such a smart card and a wireless payment service system and method for providing a payment settlement service through the mobile communication terminal.

As a first aspect of the present invention, a smart card that can be mounted in a mobile communication terminal together with a terminal module that performs wireless communication in conjunction with a mobile communication network includes at least one of credit card information, debit card information, prepaid card information, and electronic money information. Stores an application that stores an application that performs basic payment settlement processing using any one of the basic information and additional payment settlement processing using at least one additional information among membership card information, loyalty card information, discount coupon information, or free coupon information And executing the application to collectively provide integrated payment information for the basic payment settlement processing and the additional payment settlement processing, and the basic information according to the integrated payment processing information returned in response to the integrated payment information. Or at least one of the additional information It may include a card dedicated platform control unit for updating the above information.

Here, the smart card may further include a subscriber identification module for storing subscriber information necessary for authentication and roaming.

The subscriber identification module may be a subscriber identity module (SIM) or a universal SIM (USIM).

As a second aspect of the present invention, a mobile communication terminal includes a terminal module for performing wireless communication in association with a mobile communication network, and a smart card mounted together with the terminal module to perform payment processing for purchase of goods or services. The smart card may include basic payment processing, membership card information, point card information, discount coupon information, or free coupon using at least one of basic information among credit card information, debit card information, prepaid card information, and electronic money information. An application storage unit configured to store an application for performing an additional payment settlement process using at least one additional information among the information; and executing the application to execute integrated payment information for the basic payment settlement process and the additional payment settlement process. Are provided in batches, and the And a card-only platform controller for updating at least one or more of the basic information or the additional information according to the integrated payment processing information returned correspondingly.

Here, the smart card may further include a subscriber identification module for storing subscriber information necessary for authentication and roaming.

The subscriber identification module may be a SIM or a USIM.

As a third aspect of the present invention, a wireless payment service system includes a basic payment settlement process, membership card information, point card information, using at least one basic information among credit card information, debit card information, prepaid card information, or electronic money information; Integrated payment for the basic payment payment processing and the additional payment payment processing according to the purchase of goods or services by executing an application for performing additional payment payment processing using at least one additional information of discount coupon information or free coupon information A mobile communication terminal equipped with a smart card for updating at least one or more of the basic information or the additional information according to the integrated payment processing information returned in response to the integrated payment information after providing the information collectively; Through wireless communication with the card Receives and transmits the integrated payment information, receives a data communication terminal for receiving the integrated payment processing information and delivers it to the smart card, acquires the information of the goods or the service and receives the integrated payment information to respond to the purchase; Display the integrated payment condition information for the basic payment settlement process and the additional payment settlement process, and perform the basic payment settlement process and the additional payment settlement process according to selection information on the integrated payment condition information; It may include an integrated payment device for providing processing information.

Here, the wireless payment service system, the payment service server for returning the payment approval information for the purchase of the goods or the service according to the request for approval of the basic payment payment processing or the additional payment payment processing by the integrated payment device; The integrated payment device may further provide the integrated payment processing information when the payment approval information is returned.

In accordance with a fourth aspect of the present invention, a wireless payment service method using a wireless payment service system includes: obtaining information about a purchase of goods or services; credit card information, debit card information, and the like from a smart card mounted in a mobile communication terminal; Basic payment settlement processing using at least one basic information of prepaid card information or electronic money information, and additional payment settlement processing using at least one additional information of membership card information, loyalty card information, discount coupon information or free coupon information. Collectively receiving integrated payment information, and displaying integrated payment condition information for the basic payment settlement process and the additional payment settlement process based on the information of the goods or the service and the integrated payment information; Enter selection information for payment terms information Waiting and performing the basic payment settlement process and the additional payment settlement process according to the input selection information, and providing the integrated payment processing information to the smart card so that the smart card according to the integrated payment processing information. The method may include updating at least one of the basic information and the additional information.

The providing of the integrated payment processing information may include requesting a payment service server to approve the basic payment payment processing or the additional payment payment processing, and the purchase of the goods or the service from the payment service server. And if the payment approval information is returned, providing the integrated payment processing information including the payment approval information to the smart card.

The providing of the integrated payment processing information including the payment approval information to the smart card may include completing the approval of the integrated payment when the payment approval information is returned from the payment service server and the identification information is transmitted from the smart card. The integrated payment processing information may be provided to the smart card.

The wireless payment service method may further include outputting an integrated payment proof after completing the approval of the integrated payment.

According to an embodiment of the present invention, when storing information on various payment methods such as credit card, debit card, prepaid card, membership card, reward card, discount coupon, free coupon, etc. in a smart card, and performing payment payment When the selection information about the payment settlement means is input, the payment procedure by the plurality of selected payment settlement means may be processed in a batch.

Therefore, payment procedures using major payment methods such as credit cards, debit cards, and prepaid cards and payment methods using additional payment methods such as membership cards, loyalty cards, discount coupons, and free coupons are processed in a batch. Compared with the prior art which processes payment and additional payment payment independently, there is an advantage that the convenience of use is improved and the speed of payment processing is improved.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, and only the embodiments make the disclosure of the present invention complete, and the general knowledge in the art to which the present invention belongs. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims.

In describing the embodiments of the present invention, if it is determined that a detailed description of a known function or configuration may unnecessarily obscure the gist 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 embodiments of the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be based on the contents throughout this specification.

Combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for executing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions noted in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

1 is a block diagram of a wireless payment service system according to an embodiment of the present invention.

As shown therein, the wireless payment service system includes a mobile communication terminal (User Equipment, UE) 100, a data communication terminal 200, equipped with a terminal module (Mobile Equipment, ME) 110 and a smart card 120, Point of Sale (POS) system 300 may include a value added network (VAN) 400, a payment service server 500, and the like.

The mobile communication terminal 100 is a terminal having an external memory slot (not shown) to which the smart card 120 can be coupled, and includes a personal digital assistant (PDA), a cellular phone, a personal communication service (PCS) phone, and a handheld. PC (Hand-Held PC), CDMA-2000 phone, WCDMA phone, Portable Multimedia Player (PMP), PlayStation Portable (PSP) and Mobile Broadband System (MBS) phone and the like.

The terminal module 110 of the mobile communication terminal 100 performs a normal voice call and data communication by wireless communication in conjunction with a mobile communication network (not shown).

The smart card 120 of the mobile communication terminal 100 may include a subscriber identification module (reference numeral 125 of FIG. 2) that stores subscriber information necessary for authentication and roaming. Here, the subscriber identification module may use a subscriber identity module (SIM) or a universal SIM (USIM).

2 is a detailed block diagram of a smart card according to an embodiment of the present invention.

Looking at the detailed configuration of the smart card 120 with reference to Figure 2, various basic payment settlement processing and membership card information, point card using the basic information such as credit card information, debit card information, prepaid card information, electronic money information, etc. By executing the application stored in the application storage unit 121, the application storage unit 121, the application storage unit 121 stores the application for performing various additional payment payment processing using additional information such as information, discount coupon information, free coupon information The integrated payment information for the basic payment payment processing and the additional payment payment processing is collectively provided to the POS system 300, and the basic information and the integrated payment processing information returned by the POS system 300 in response to the integrated payment information. And / or the card-only platform control unit 123, the subscriber identification module 125, and the like to update additional information.

The application storage unit 121 may store a payment specification applet 121b, which is an application that performs basic payment settlement processing using basic information such as credit card information, debit card information, and prepaid card information. The integrated payment applet 121a, which is an application that performs additional payment settlement process using additional information such as point card information, discount coupon information, and free coupon information, may be stored.

The data communication terminal 200 receives integrated payment information and identification information from the smart card 120 and transmits the received payment information and identification information to the POS system 300 through wireless communication of the smart card 120, and from the POS system 300. The integrated payment processing information corresponding to the integrated payment information may be received and transmitted to the smart card 120.

The POS system 300 can analyze and utilize distribution information by recognizing barcodes containing distribution information (items, prices, quantities, etc.) at the point of sale of goods or services in an offline store using an automatic reading device (not shown). Is a management system designed to be. This information enables us to manage sales through instant feedback of information from the point of sale, such as identifying sales trends from time to time, keeping inventory at an appropriate level, and increasing the inventory of well-selling products. The POS system 300 acquires the information according to the purchase of goods or services through an automatic reading device (not shown), and receives the integrated payment information from the smart card 120 through the data communication terminal 200 to respond to the purchase. Display the integrated payment condition information for the basic payment settlement processing and the additional payment settlement processing on the screen, and if the selection information for the integrated payment condition information is input through a screen input device, the basic payment according to the input payment condition selection information The payment processing and / or the additional payment payment processing may be performed to transmit the integrated payment processing information to the smart card 120. The POS system 300 may be referred to as a kind of integrated payment device that processes integrated payment by the smart card 120 mounted on the mobile communication terminal 100. For example, a credit authorization terminal (CAT) performs a basic payment settlement process or an additional payment settlement process through communication with a payment service server 500 for credit card payment processing.

The VAN 400 is a type of communication network that provides a communication environment between the POS system 300 and the payment service server 500.

The payment service server 500 communicates with the POS system 300 through the VAN 400 to perform basic payment settlement processing using basic information such as credit card information, debit card information, prepaid card information, and electronic money information. In accordance with the request for authorization, payment approval information for basic payment processing is provided through a predetermined approval process, and approval of additional payment payment processing using additional information such as membership card information, point card information, discount coupon information, and free coupon information Upon request, payment approval information for the additional payment settlement process is provided through a predetermined approval process. The payment service server 500 is a credit card server that supports credit card authorization processing, a debit card server that supports debit card authorization processing, a gift card server that supports prepaid card authorization processing, and authorization card membership processing. It can be implemented by various servers such as a membership server supporting, a point server supporting the approval processing of the point card, a coupon server supporting the approval processing of the discount coupon or the free coupon, and the like.

3 is a signal flowchart illustrating a wireless payment service method by a wireless payment service system according to an embodiment of the present invention.

Referring to Figures 1 to 3 look at the wireless payment service procedure by the wireless payment service system according to an embodiment of the present invention.

First, when the user of the mobile communication terminal 100 requests the purchase of goods or services, the POS system 300 recognizes a barcode including distribution information of the goods or services requested for purchase using an automatic reading device (not shown). Information about the purchase request item is obtained (S601).

In addition, when the user of the mobile communication terminal 100 selects the payment using the smart card 120 mounted in the mobile communication terminal 100 (S603), the user of the mobile communication terminal 100 is connected to the data communication terminal 200. Proximity within contactless wireless communication distance. Then, wireless communication is performed between the smart card 120 and the data communication terminal 200 (S605), and the integrated payment information is passed from the smart card 120 via the data communication terminal 200 to the POS system 300. It is delivered to (S607). In this case, the driving power is directly supplied from the terminal module 110 to the smart card 120 of the mobile communication terminal 100 or the driving power is supplied from the data communication terminal 200 in an inductive manner so that the platform-specific platform control unit 123 is provided. In operation, the card-only platform control unit 123 executes the payment standard applet 121b and the integrated payment applet 121a of the application storage unit 121, and the credit card information and the debit card by the payment standard applet 121b. Basic information such as information, prepaid card information, electronic money information, etc. are included in the integrated payment information and are collectively delivered. The integrated payment applet 121a provides membership card information, loyalty card information, discount coupon information, free coupon information, and the like. Additional information of is included in the integrated payment information and delivered in a batch. Here, the basic information is information necessary for basic payment settlement processing, and the additional information is information necessary for additional payment settlement processing.

Next, the POS system 300 generates the integrated payment condition information for the basic payment settlement processing and the additional payment settlement processing based on the information of the purchased goods obtained in step S601 and the integrated payment information acquired in step S607, and generates the generated payment information. The integrated payment condition information is displayed on the screen (S609). In this case, the consolidated payment condition information refers to a condition for selecting at least one or more of basic information such as credit card information, debit card information, prepaid card information, and electronic money information for basic payment settlement processing, membership card information, and point card. Means a condition for selecting one or more of additional information such as information, discount coupon information, and free coupon information. Here, the additional information may not be selected as in the normal payment processing.

In such a state, the POS system 300 waits for input of selection information for the integrated payment condition information, and the operator of the POS system 300 reflects the payment intention by the user of the mobile communication terminal 100. Enter (S611). For example, when a user wishes to make an electronic money payment, a membership discount, and accumulate points, a corresponding condition may be selected and input.

As such, when the integrated payment selection information is input, the POS system 300 performs basic payment payment processing and additional payment payment processing according to the inputted integrated payment selection information, and smartizes the integrated payment processing information generated according to the payment processing. It may be provided to the card 120 (S629).

Here, the POS system 300 waits for the integrated payment processing (S619) when the payment payment processing itself is possible without a separate external approval process such as electronic money payment (S619) and then the mobile communication terminal 100 as in steps S603 to S607. When the identification information of the mobile communication terminal 100 or the smart card 120 is transmitted (S623) and forwarded (S625) according to the selection of payment processing by (S621), the integrated payment approval is completed (S627) and integrated with it. Send payment processing information.

Then, the integrated payment processing information is transmitted to the smart card 120 of the mobile communication terminal 100, the card-only platform control unit 123 executes the payment specification applet 121b to obtain electronic money information which is one of the basic payment information. Update is made (S633). That is, the electronic money included in the payment specification applet 121b or stored in a separate storage space is reduced based on the integrated payment processing information. For example, if electronic money payment, membership discount, and point accumulation are selected, the electronic money is reduced but the point accumulation information is updated to increase the points.

On the other hand, if payment payment processing is possible only through an external approval process such as credit card payment in step S611, the payment service server 500 is requested through the VAN 400 to approve the basic payment payment processing or the additional payment payment processing; In step S613, after receiving the payment approval information from the payment service server 500 (S615), the integrated payment processing information may be transmitted through the steps S619 to S629 described above.

The payment service server 500 that has returned the payment approval information through step S615 stores the payment approval information separately so that the user can later charge or grasp the use payment (S617), and after the step S627, the POS system 300 The consolidated payment proof including the integrated payment processing information may be output and used as a receipt (S631).

The present invention can be used when providing a payment service using a mobile communication terminal in a communication environment in which a subscriber identity module is essentially installed in a mobile communication terminal such as a W-CDMA mobile communication system, and furthermore, provides a payment service using a smart card. Can be used when

1 is a block diagram of a wireless payment service system according to an embodiment of the present invention;

2 is a detailed block diagram of a smart card according to an embodiment of the present invention;

3 is a signal flow diagram illustrating a wireless payment service method by a wireless payment service system according to an embodiment of the present invention.

<Brief description of the major symbols in the drawings>

100: mobile communication terminal 110: terminal module

120: smart card 121: application storage

123: card dedicated platform control unit 200: data communication terminal

300: POS system 500: payment service server

Claims (12)

A smart card that can be mounted in a mobile communication terminal together with a terminal module that performs wireless communication in conjunction with a mobile communication network, Basic payment settlement processing using at least one of the basic information of credit card information, debit card information, prepaid card information or electronic money information, and addition of at least one of membership card information, point card information, discount coupon information or free coupon information. An application storage unit for storing an application for performing an additional payment settlement process using information; Executing the application to collectively provide integrated payment information for the basic payment settlement process and the additional payment settlement process; and the basic information or the additional information according to the integrated payment processing information returned in response to the integrated payment information. The card-only platform control unit for updating at least one or more information from the information comprising: Smart card. The method of claim 1, The smart card further includes a subscriber identification module for storing subscriber information necessary for authentication and roaming. Smart card. The method of claim 2, The subscriber identification module is a subscriber identity module (SIM) or universal SIM (USIM). Smart card. A terminal module performing wireless communication in association with a mobile communication network; Is mounted with the terminal module includes a smart card for performing payment payment processing for the purchase of goods or services, The smart card, Basic payment settlement processing using at least one of the basic information of credit card information, debit card information, prepaid card information or electronic money information, and addition of at least one of membership card information, point card information, discount coupon information or free coupon information. An application storage unit for storing an application for performing an additional payment settlement process using information; Executing the application to collectively provide integrated payment information for the basic payment settlement process and the additional payment settlement process; and the basic information or the additional information according to the integrated payment processing information returned in response to the integrated payment information. The card-only platform control unit for updating at least one or more information from the information comprising: Mobile terminal. The method of claim 4, wherein The smart card further includes a subscriber identification module for storing subscriber information necessary for authentication and roaming. Mobile terminal. The method of claim 5, The subscriber identification module is a subscriber identity module (SIM) or universal SIM (USIM). Mobile terminal. Basic payment settlement processing using at least one of the basic information of credit card information, debit card information, prepaid card information or electronic money information, and addition of at least one of membership card information, point card information, discount coupon information or free coupon information. After executing the application to perform the additional payment payment processing using the information to provide the integrated payment information for the basic payment payment processing and the additional payment payment processing in accordance with the purchase of goods or services collectively and then to the integrated payment information A mobile communication terminal equipped with a smart card for updating at least one of the basic information and the additional information according to the integrated payment processing information returned correspondingly; A data communication terminal for receiving and delivering the integrated payment information through wireless communication with the smart card, and receiving and transmitting the integrated payment processing information to the smart card; Obtain the information of the goods or the service and receive the integrated payment information to display integrated payment condition information for the basic payment settlement process and the additional payment settlement process corresponding to the purchase; And an integrated payment device configured to provide the integrated payment processing information by performing the basic payment settlement process and the additional payment settlement process according to selection information. Wireless payment service system. The method of claim 7, wherein The wireless payment service system further includes a payment service server that returns payment approval information for the purchase of the goods or the service according to the request for approval of the basic payment settlement process or the additional payment settlement process by the integrated payment device. , The integrated payment device provides the integrated payment processing information when the payment approval information is returned. Wireless payment service system. A wireless payment service method using a wireless payment service system, Obtaining information about the purchase of a good or service; Basic payment settlement processing, membership card information, point card information, discount coupon information using at least one of the basic information of credit card information, debit card information, prepaid card information or electronic money information from a smart card installed in the mobile communication terminal or Receiving collective payment information for additional payment settlement processing using at least one additional information among free coupon information; Waiting for input of the selection information on the integrated payment condition information by displaying integrated payment condition information for the basic payment settlement process and the additional payment settlement process based on the information of the goods or the service and the integrated payment information; Wow, After the basic payment settlement processing and the additional payment settlement processing are performed according to the selected input information, the integrated payment processing information is provided to the smart card so that the smart card is configured to display the basic information or the data according to the integrated payment processing information. Updating at least one of the additional information; Wireless payment service method. The method of claim 9, Providing the integrated payment processing information, Requesting a payment service server to approve the basic payment settlement process or the additional payment settlement process; Providing the smart card with the integrated payment processing information including the payment approval information when the payment approval information for the purchase of the goods or the service is returned from the payment service server. Wireless payment service method. 11. The method of claim 10, The providing of the integrated payment processing information including the payment approval information to the smart card may include completing the approval of the integrated payment when the payment approval information is returned from the payment service server and the identification information is transmitted from the smart card. Providing the integrated payment processing information to the smart card Wireless payment service method. The method of claim 11, The wireless payment service method further comprises the step of outputting a consolidated payment proof after completing the approval of the consolidated payment; Wireless payment service method.

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