KR101135278B1 - Method for Processing Memory Card Remote-Abandonment and Memory Card - Google Patents

Abstract

The present invention relates to a memory card remote disposal processing method and a memory card, in the case of losing the memory card used by the customer, in order to prevent the misuse of the payment means provided in the memory card, the customer is notified of the fact that the memory card is lost in financial institutions, etc. When registering through, the lost / discarded list is provided as a payment terminal, when a customer who acquires a lost memory card requests payment, it provides a service for remote disposal of the lost memory card.

Remote Disposal, Memory Card

Description

Method for processing memory card remote disposal and system and memory card {Method for Processing Memory Card Remote-Abandonment and Memory Card}

1 is a diagram illustrating an information registration system for remote disposal (or deactivation) processing of a memory card storing financial information according to an exemplary embodiment of the present invention.

2 is a diagram illustrating an information registration process for remote disposal (or deactivation) processing of a memory card in which financial information is stored according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a payment terminal having a memory card payment mode according to an embodiment of the present invention.

4 is a diagram illustrating a functional configuration of a memory card for providing a financial transaction service between terminals using payment means information stored in a memory according to an embodiment of the present invention.

5 is a diagram illustrating a process of remotely discarding (or deactivating) a memory card through a payment terminal having a memory card payment mode according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of remotely discarding (or deactivating) a memory card according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: list generation unit

130: information transmission unit 135: information storage unit

140: storage medium 145: client terminal

150: payment terminal

When the customer registers the fact that the memory card is lost through a financial institution, etc., the lost / discarded list is provided to the payment terminal, and when the customer who acquires the lost memory card requests a payment, the customer checks this and loses the memory card. It is to prevent the financial accident through the misuse of the lost memory card by remote disposal processing for.

The development of information and communication technology has developed to the level that the memory card is no longer a simple memory card but has a payment method and provides a payment service, which provides various conveniences to customers.

Among them, a payment means is provided in a memory card mounted in a wireless terminal such as a mobile phone, and when a payment service using the payment means is provided, a customer may lose the wireless terminal or lose the memory card mounted in the wireless terminal. In such a case, a financial accident may be exploited, and the financial accident may provide financial benefits to customers.

According to the present invention, when a customer registers information about a lost memory card with a financial institution, the financial institution provides it as a payment terminal to remotely dispose of a customer who acquired the lost item and attempts to exploit it, and records for the same. In providing a medium.

In the memory card remote disposal processing method according to the present invention, when the customer has lost the memory card held, if the customer inputs the discard request information for the lost memory card through the terminal, and receives the discard request information And generating a loss / disposal list based on the received discard request information, transmitting the generated loss / disposal list to a payment terminal, and storing the lost / disposal list to a payment terminal for storing in the memory. When the memory card information is received, checking whether the received memory card information is included in the lost / discarded list, and if it is confirmed that the memory card information is included in the lost / discarded list stored in the payment terminal, The memory card transmits the discard request information to a memory card close to the payment terminal. Characterized in that it comprises the step of processing to be discarded.

On the other hand, in the memory card remote disposal processing method according to the present invention, if the customer loses the memory card held, if the customer inputs the discard request information for the lost memory card through the terminal, the discard request information Receiving and generating a lost / discarded list based on the received discard request information and storing it on a storage medium, and payment information is transmitted to a memory card inputted (or selected) through a payment terminal, and the payment information And generating payment approval request information based on the payment means information stored in the memory card and transmitting the payment approval request information to a server, and checking memory card information on the memory card that has transmitted the payment approval request information, and linking with the storage medium. When the memory card information is included in the lost / discarded list, the discard request information is transferred to the memory card. And transmitting the memory card to discard the memory card.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the above-described memory card remote disposal processing method recorded.

On the other hand, in the memory card remote disposal processing system according to the present invention, when the customer lost the memory card held, if the customer inputs the discard request information for the lost memory card through the terminal, the discard request information Means for generating a lost / discarded list based on the received discard request information, transmitting the generated lost / discarded list to a payment terminal, and storing the lost / discarded list to a payment terminal for storage in a memory; Means for confirming whether the received memory card information is included in the lost / discarded list when the memory card information is received from the card, and confirming that the memory card information is included in the lost / discarded list stored in the payment terminal. If so, the discard request information to the memory card in close proximity to the payment terminal to the memory And means for processing the card to be discarded.

On the other hand, in the memory card remote disposal processing system according to the present invention, when the customer lost the memory card held, if the customer inputs the discard request information for the lost memory card through the terminal, the discard request information Receives, the storage information for generating and storing the lost / discarded list based on the received discard request information, and payment information is transmitted to the memory card input (or selected) through the payment terminal, the payment information and the Means for confirming memory card information for the memory card that has transmitted the payment approval request information based on the payment means information stored in the memory card and transmitting the same to the server; If the memory card information is included in the lost / discarded list, the discard request information is transmitted to the memory card. And it characterized by comprising: means for processing so that the memory card is discarded.

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 made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information registration system for remote disposal (or deactivation) processing of a memory card in which financial information is stored according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined client terminal 145 accesses a server on a memory card management system through predetermined network means for remote disposal (or deactivation) processing of a memory card in which the financial information is stored. When the remote disposal request information including at least one piece of memory card information to be discarded is provided, the storage medium 140 includes the remote disposal request information provided from the client terminal 145 on the memory card management system. As a person having ordinary skill in the art to which the present invention pertains, referring to and / or modifying the drawing 1, the remote disposal (or Deduce various implementation methods for the configuration of information registration system for As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

Hereinafter, the remote disposal request information including at least one of customer information and discarded memory card information provided from the client terminal 145 on the information registration system shown in FIG. 1 is provided for storing in the storage medium 140. Components corresponding to at least one or more means and / or functional configurations are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for remote revocation (or deactivation) processing of a memory card storing financial information according to the present invention includes at least one client connected to a predetermined network means. A storage medium 140 for storing the remote disposal request information including at least one terminal 145, customer information transmitted from the client terminal 145, and memory card information to be discarded, and the client terminal 145; And connected via a predetermined network means, characterized in that it comprises an information registration server 100 for receiving the remote disposal request information transmitted through the network means to store in the storage medium 140.

The client terminal 145 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very High- a wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a data rate Digital Subscriber Line) and / or a cable communication network, and / or CDMA ( A mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, and / Or at least one wireless terminal including at least one WLAN terminal connected to an IEEE 802.11x based WLAN network. The client terminal 145 outputs at least one remote discard (or deactivate) request interface screen provided by the information registration server 100, and at least through the remote discard (or deactivate) request interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for inputting and / or selecting one or more information and transmitting the same to the information registration server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 145 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

When the client terminal 145 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP based wired communication network, and when the client terminal 145 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The storage medium 140 provided on the memory card management system according to the present invention stores the remote disposal request information including at least one of customer information transmitted from the client terminal 145 and memory card information to be discarded. It features.

In addition, the storage medium 140 further stores one or more recent usage history information using the target memory card for which the remote disposal is requested, and one or more information on discard / lost registration request for requesting the remote disposal. .

The customer information includes personal information (eg, customer name, social security number, home address, phone number, mobile phone number, e-mail address, etc.) and member information (payment service using the memory card) for the customer using the payment service using the memory card. It is preferable to include at least one or more), such as member ID information granted by joining as a member to use.

Preferably, the memory card information to be discarded includes information unique to the memory card to be lost (or discarded) when the memory card held by the customer is lost or is intended to be discarded at the request of the customer. Do.

For example, the unique information on the lost (or discarded) target memory card is preferably provided to the memory card, and includes S / N (Serial Number) information for managing the memory card.

The recent usage history information may include the recent usage history of the memory card held by the customer or when the customer wishes to discard the memory card held by the customer.

According to the implementation method of the present invention, the recent usage history, so that when the customer using the payment service through the memory card held by the customer to check the history of payment through the lost memory card, It is desirable to check the usage history caused by the loss.

That is, the recent usage history may be to check the details of the accident caused by the loss of the memory card held by the customer.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 145 through the network means in order to provide a web interface corresponding to the client terminal 145 and the network means. And an interface unit 105 (or interface means) for connecting and managing channels, whereby the information registration server 100 establishes a wired communication network and / or a wireless communication network with the client terminal 145. It has the function of a web server connected via communication.

According to an embodiment of the present invention, when the client terminal 145 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 105 is the client terminal 145. And a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and remotely discarding a Hyper-Text Markup Language (HTML) compatible document form to the client terminal 145 through the communication channel. Or deactivation) a request interface screen and / or an information providing screen to be output and output, and the predetermined customer information or object to be inputted (or selected) from the client terminal 145 through the remote discard (or deactivation) request interface screen. It is preferable to perform a function of receiving and processing remote discard request information including at least one or more memory card information.

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the client terminal 145 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and remotely in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 145 through the communication channel. Sends and outputs a discard (or deactivate) request interface screen and / or an information providing screen, and predetermined customer information and discarded memory card information corresponding to the remote discard (or deactivate) request interface screen from the client terminal 145. It is preferable to perform a function of receiving and processing the remote disposal request information including at least one.

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the client terminal 145. A predetermined communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, and a predetermined remote discard (or deactivation) request interface screen and / or information providing screen is transmitted to the client terminal 145 through the communication channel. Transmitting and outputting the received data, and receiving and processing remote discard request information including at least one of predetermined customer information and discarded memory card information corresponding to the remote discard (or deactivate) request interface screen from the client terminal 145. It is preferable to perform a function, and / or the client terminal 145 is an IEEE 802.11x based wireless In the case of a wireless terminal in which a communication channel is connected through a network, the interface unit 105 connects a predetermined communication channel with the client terminal 145 based on a wireless protocol corresponding to the IEEE 802.11x standard, and the communication. Sends and outputs a predetermined remote discard (or deactivate) request interface screen and / or information providing screen to the client terminal 145 through a channel, and outputs the remote discard (or deactivate) request interface screen from the client terminal 145. It is preferable to perform a function of receiving and processing the predetermined remote disposal request information corresponding to.

Referring to FIG. 1, when the predetermined client terminal 145 connects to the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. A predetermined remote disposal (or deactivation) request interface screen for the client terminal 145 to input (or select) remote disposal request information including at least one of predetermined customer information and memory card information to be discarded; The interface providing unit 110 (or interface providing means) which is generated (or extracted) and provided through the remote discard (or deactivation) request interface screen in the client terminal 145 in association with the interface unit 105. An information receiving unit 115 (or information receiving means) for receiving the remote disposal request information inputted (or selected) and transmitted, and the received remote disposal request information It characterized in that it comprises an information storage unit 135 (or information storage means) for storing in the storage medium 140.

In addition, the information registration server 100 is characterized in that it further comprises a validity check unit 120 (or validity verification means) for confirming the validity of the received remote disposal request information.

The interface providing unit 110 has a functional configuration (eg, a client) provided in the client terminal 145 when a predetermined client terminal 145 is connected to the information registration server 100 through the interface unit 105. Corresponding to the browser program provided in the terminal 145, input (or select) remote disposal request information including at least one of predetermined customer information and memory card information to be discarded, and the information registration server ( Generate a predetermined remote discard (or deactivate) request interface screen that can be transmitted to 100), and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 105 Providing a remote discard (or deactivation) request interface screen to the client terminal 145 through the network means. Shall be.

Thereafter, the client terminal 145 inputs (or selects) remote disposal request information including at least one of predetermined customer information and discarded memory card information based on the remote disposal (or deactivation) request interface screen. When it is confirmed that the remote disposal request information is input (or selected), the client terminal 145 transmits the input (or selection) of the remote disposal request information to the information registration server 100 through the network means. .

Those skilled in the art to which the present invention pertains, the client information through the at least one form (Form) included in the remote discard (or deactivation) request interface screen in the client terminal 145, discard Registering the information on the technical characteristics of inputting (or selecting) remote disposal request information including at least one target memory card information and the remote disposal request information input (or selected) through a communication protocol provided by the network means. Since you will be familiar with the technical features to transmit to the server 100, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs remote discard request information including at least one of predetermined customer information and discarded memory card information through the remote discard (or deactivation) request interface screen on the client terminal 145 ( Or select) to receive the remote disposal request information in conjunction with the interface unit 105 when transmitting through the network means.

When the remote disposal request information transmitted from the client terminal 145 is received through the information receiving unit 115, the validity confirming unit 120 validates one or more pieces of information included in the received remote disposal request information. It is characterized by checking.

According to an exemplary embodiment of the present invention, the validity of the received remote disposal request information may be determined by using the memory card through the information registration server 100 among customer information included in the received remote disposal request information. It is preferable to include whether to check whether the customer using.

In addition, the validity confirmation of the received remote disposal request information, the memory card information to be discarded contained in the received remote disposal request information is stored on the memory card management D / B (not shown) on the memory card management system It is preferable to check whether the memory card information is matched with the existing memory card information, and if the owner of the memory card to be discarded is the customer.

The information storage unit 135 stores the remote disposal request information including at least one or more of the customer information and the discarded memory card information received through the information receiving unit 115 in the storage medium 140. do.

The customer information includes personal information (eg, customer name, social security number, home address, phone number, mobile phone number, e-mail address, etc.) and member information (payment service using the memory card) for the customer using the payment service using the memory card. It is preferable to include at least one or more), such as member ID information granted by joining as a member to use.

Preferably, the memory card information to be discarded includes information unique to the memory card to be lost (or discarded) when the memory card held by the customer is lost or is intended to be discarded at the request of the customer. Do.

For example, the unique information on the lost (or discarded) target memory card is preferably provided to the memory card, and includes S / N (Serial Number) information for managing the memory card.

The recent usage history information may include the recent usage history of the memory card held by the customer or when the customer wishes to discard the memory card held by the customer.

According to the implementation method of the present invention, the recent usage history, so that when the customer using the payment service through the memory card held by the customer to check the history of payment through the lost memory card, It is desirable to check the usage history caused by the loss.

That is, the recent usage history may be to check the details of the accident caused by the loss of the memory card held by the customer.

Referring to FIG. 1, the information registration server 100 receives a lost / discarded list for managing lost / discarded target memory card information received from the client terminal 145 and based on the validated remote disposal request information. The list generating unit 125 (or list generating means) for generating and transmitting the generated lost / discarded list to at least one payment terminal 150 connected through the information registration system and the network means to the payment terminal 150 It is characterized in that it comprises an information transmission unit 130 (or information transmission means) for processing to be stored on.

When the remote disposal request information transmitted from the client terminal 145 is received and the validity of the received remote disposal request information is confirmed, the list generator 125 remotely based on the remote disposal request information. Characterized in that the lost / discarded list to be discarded (or deactivated).

According to an embodiment of the present invention, the lost / discarded list may include one or more pieces of information on a memory card to be processed for one or more remote disposal (or deactivation) corresponding to the received remote disposal request information. When the generated loss / disposal list is transmitted to the payment terminal 150 in association with the information transmission unit 130, the payment terminal 150 receives the information included in the received loss / disposal list. It is desirable to add on the loss / disposal list managed by the payment terminal 150.

That is, the information registration server 100 generates a disposal / loss list including only information on one or more discarding target memory cards included in the remote disposal request information, and generates the generated disposal / loss list in the payment terminal ( By transmitting to 150, it is preferable to add to the lost / discarded list managed by the payment terminal 150.

According to another exemplary embodiment of the present invention, the lost / discarded list includes information on one or more remote memory devices to be processed (or deactivated) corresponding to the received remote disposal request information on the previously generated lost / discarded list. It is preferably a lost / discarded list created in addition to.

The information transmission unit 130 is characterized in that the processing to be stored by transmitting the generated / lost list to one or more payment terminal 150 connected to the information registration server 100 and the network means.

2 is a diagram illustrating an information registration process for remote disposal (or deactivation) processing of a memory card in which financial information is stored according to an exemplary embodiment of the present invention.

In more detail, in FIG. 2, the client terminal 145 on the information registration system shown in FIG. 1 remotely disposes (or deactivates) the memory card in which the financial information is stored to the information registration server 100 through a predetermined network means. In the process of storing the remote disposal request information in the storage medium 140 when the remote disposal request information including at least one or more customer information for processing, memory card information to be discarded is transmitted. As a person of ordinary skill in the art to which the present invention pertains, the information registration process for remote retirement (or deactivation) processing of a memory card in which financial information is stored by referring to and / or modifying FIG. Various implementations may be inferred, but the present invention encompasses all implementations inferred from the above, as shown in FIG. It shall be limited to methods.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 2, the client terminal 145 on the information registration system shown in FIG. 1 connects to the server via the network means and communicates for remote discard (or deactivation) processing of a memory card in which financial information is stored. Connect the channel (200).

According to an embodiment of the present invention, the communication channel connection process may include at least one of logging in to the server from the client terminal 145 and / or joining the server to the server at the client terminal 145. It is preferable to further include, in the process, the customer information corresponding to the client terminal 145 is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the client terminal 145 is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means You will be familiar with the technical features of connecting the communication channel for remote disposal (or deactivation) processing for the memory card in which the financial information is stored, so the detailed description thereof will be omitted for convenience.

As described above, when a communication channel for remote revocation (or deactivation) processing of the memory card storing the financial information is connected between the client terminal 145 and the server, the client terminal 145 connects to the server through the communication channel. Request a remote discard (or deactivate) request interface screen for remote discard (or deactivate) processing of the memory card storing the financial information (205), and correspondingly, the server requests the client information from the client terminal 145. Generating (or extracting) a remote disposal (or deactivation) request interface screen including a user interface for inputting (or selecting) remote disposal request information including at least one memory card information; Generated (or extracted) remote discard (or deactivate) request interface screen through the communication channel And it transmits it to the client terminal group 145, 215.

Thereafter, the client terminal 145 may include the user included in the remote discard (or deactivate) request interface screen for inputting (or selecting) remote discard request information including at least one of the customer information and memory card information. The remote disposal request information is input (or selected) through an interface (220).

If the remote terminal request information including at least one of the customer information and the discard target memory card information is input (or selected) at the client terminal 145 (225), the client terminal 145 is connected through the communication channel. The remote waste request information is transmitted to the server (230), and in response, the server receives the remote waste request information transmitted from the client terminal (145) and confirms validity (235).

According to an exemplary embodiment of the present invention, the validity of the received remote disposal request information may be determined by using the memory card through the information registration server 100 among customer information included in the received remote disposal request information. It is preferable to include whether to check whether the customer using.

In addition, the validity confirmation of the received remote disposal request information, the memory card information to be discarded contained in the received remote disposal request information is stored on the memory card management D / B (not shown) on the memory card management system It is preferable to check whether the memory card information is matched with the existing memory card information, and if the owner of the memory card to be discarded is the customer.

If the validity of the received remote disposal request information is not confirmed (240), the server generates (or extracts) validation error information for the received remote disposal request information and the client terminal 145. Process to be output by sending (245).

On the other hand, if the validity of the received remote disposal request information is confirmed (240), the client terminal 145 generates a loss / disposal list based on the received remote disposal request information (250), The generated loss / disposal list is transmitted to the payment terminal 150 and processed to be stored (255).

According to an embodiment of the present invention, the lost / discarded list may include one or more pieces of information on a memory card to be processed for one or more remote disposal (or deactivation) corresponding to the received remote disposal request information. When the generated loss / disposal list is transmitted to the payment terminal 150 in association with the information transmission unit 130, the payment terminal 150 receives the information included in the received loss / disposal list. It is desirable to add on the loss / disposal list managed by the payment terminal 150.

That is, the information registration server 100 generates a disposal / loss list including only information on one or more discarding target memory cards included in the remote disposal request information, and generates the generated disposal / loss list in the payment terminal ( By transmitting to 150, it is preferable to add to the lost / discarded list managed by the payment terminal 150.

According to another exemplary embodiment of the present invention, the lost / discarded list includes information on one or more remote memory devices to be processed (or deactivated) corresponding to the received remote disposal request information on the previously generated lost / discarded list. It is preferably a lost / discarded list created in addition to.

3 is a diagram illustrating a functional configuration of a payment terminal 300 having a memory card payment mode according to an embodiment of the present invention.

In more detail, Figure 3 relates to an embodiment of a payment terminal 300 having a memory card payment mode for a payment service using a memory card provided in a customer's mobile phone, which is commonly known in the art. If the person having a, it can be inferred from the Figure 3 and / or modified to infer the configuration of the various payment terminal 300 for the payment service using the memory card provided in the customer mobile phone, but the technical features of the present invention It is to be understood that the present invention is not intended to be limited to FIG. 3 but encompasses all inferred implementation methods.

For example, those skilled in the art to which the present invention pertains may request a payment server 395 to provide a payment service using a memory card provided in a customer's mobile phone by referring to and / or modifying the drawing 3. Although a method of transmitting information and a method of transmitting a full text are shown and described in one drawing, it is possible to implement a method by each method separately, and the present invention is not limited thereto.

In addition, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer an implementation method for all wireless terminals capable of mounting a memory card instead of a customer mobile phone. Thereby, this invention is not limited.

Referring to FIG. 3, a payment terminal 300 having a memory card payment mode for a payment service using a memory card provided in a customer mobile phone basically includes a controller 305, a memory 350, and a card reader 310. ) And a key input unit 320, a screen output unit 315, a communication processor, a security application module 340, a print output unit 345, and a power supply unit 325 for supplying power to the payment terminal 300. And at least one terminal function unit (not shown) according to the intention of the skilled person.

The control unit 305 controls the overall operation of the payment terminal 300 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on the payment information stored in the memory card provided in the customer's mobile phone. And interworking and controlling at least one or more components provided in the payment terminal 300, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing a function specific to the payment terminal 300 in software. A predetermined program routine (Rou) which is loaded from the predetermined recording medium into the execution memory for processing by the processor. tine) and / or program data (hence, a predetermined program recorded on a recording medium provided in the payment terminal 300 for payment processing based on payment information stored in a memory card provided in the customer's mobile phone, and / or Among the functional components provided in the payment terminal 300, a component capable of being processed by software is shown in the control unit 305).

According to the exemplary embodiment of the present invention, the controller 305 is configured to display the components (for example, the memory unit 350, the card reader 310, the key input unit 320, and the screen output included in the payment terminal 300). Defined in the payment terminal 300 by interworking the unit 315, the communication processing unit, the security application module 340 and the print output unit 345 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art. Controlling and managing providing the electronic payment service, as well as interoperating with the components provided in the payment terminal 300 for the payment service using the memory card provided in the customer mobile phone according to the present invention, And / or to execute a program recorded in a recording medium provided in the payment terminal 300 for a payment service using a memory card provided in the customer mobile phone.

The memory unit 350 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 300 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 305 is a predetermined program routine and program data required to perform a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the exemplary embodiment of the present invention, the memory unit 350 performs payment according to a request of a customer, merchant information for the affiliated store equipped with the payment terminal 300, and payment through the payment terminal 300. It is preferable to store the processed payment history information.

In addition, the memory unit 350 corresponds to product code information (for example, bar code information or RFID tag information) for at least one or more products sold by the merchant equipped with the payment terminal 300, and corresponding to the product code. It is desirable to further store product information.

In addition, the memory unit 350 preferably stores discarded memory card information registered through the information registration system shown in FIG.

The customer receiving a payment service using the memory card provided in the customer's mobile phone according to the present invention through the payment terminal 300, the MS (Magnetic Stripe) card, and / or ISO / IEC based on the ISO / IEC 7810 standard Have (or own) a contact IC card (or wireless IC chip) based on the 7816 standard and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader 310 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader 310 is an MS reader for providing an interface between the MS card and the payment terminal 300, and / or the contact IC card and the payment terminal 300. And a contact IC reader unit for providing an interface between the contactless IC reader and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 300.

The MS reader unit is a card reader unit 310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 300 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal (300).

The contactless IC reader unit is a card reader unit 310 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 300.

According to the exemplary embodiment of the present invention, the card reader unit 310 may provide predetermined card information (eg, a card information) from at least one or more card reader units 310 for the electronic payment service defined in the payment terminal 300. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, check card, debit card, cash card, financial account provided), and also the memory card provided in the customer mobile phone according to the present invention It is preferable to read predetermined card information from at least one or more cards for the payment service using.

According to an embodiment of the present invention, the card information preferably comprises at least one of a card number, an expiration date information, and CVC (Card Verification Code) information.

The key input unit 320 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 300 controlled by the controller 305. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305. The control unit 305 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 300, and / or is defined in accordance with the key event. And obtaining a command to execute a function. The key input unit 320 and the key input device having at least one key button interlock with each other to perform a function of a key input means provided in the payment terminal 300.

The key input device interoperating with the key input unit 320 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 320 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the payment terminal 300. It is preferable to perform the function of the key input means for receiving a), and also to use the memory card provided in the customer mobile phone from the key input device for the payment service using the memory card provided in the customer mobile phone according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the payment service providing process.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 320 is provided in the customer mobile phone according to the present invention in the initial mode and / or the normal payment mode of the operation mode of the payment terminal 300 It is desirable to have a key button for switching to a memory card payment mode for a payment service using a memory card.

The screen output unit 315 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 305 while the payment terminal 300 performs a predetermined function (for example, the electronic payment processing function) And at least one or more information or data which is predefined or defined in real time to be output to a predetermined screen output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 315 And the screen output device interoperate with each other to perform the function of the screen output means provided in the payment terminal 300.

Predefined information or data to be output from the payment terminal 300 to the screen output device includes key data input through the key input unit 320 and / or components provided in the payment terminal 300. At least one of information (or data) stored or generated by the information, information (or data) transmitted / received through a communication processing unit, and / or a predetermined operation result performed by the payment terminal 300. This includes the above.

According to a preferred embodiment of the present invention, the screen output unit 315 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 300 It is preferable to perform the function of the output means, and also to the payment service using the memory card provided in the customer mobile phone to the screen output device for the payment service using the memory card provided in the customer mobile phone according to the present invention. It is preferable to perform the function of the screen output means for outputting the processing screen.

The communication processor may include a payment server 395 that is communicatively connected through a payment network (eg, a value added network (VAN)) while the payment terminal 300 performs a predetermined function (eg, an electronic payment processing function). And / or a communication session with a terminal (or device) connected to the payment terminal 300 through a predetermined cable and / or a terminal (or device) connected to the payment terminal 300 through a predetermined short-range wireless communication. And a predetermined communication means for connecting a predetermined communication channel with a payment server 395 on a wired or wireless network, and / or a predetermined terminal (or device) through a predetermined cable communication port. And a predetermined communication session with a predetermined short distance communication terminal (or device) device through a cable communication unit for connecting a communication session with the communication device, and / or at least one short range wireless communication means. Comprised, including the short-range wireless communication unit for connection, it comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may be a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / woble Network /.../ satellite communication) or a high-speed human wired network and / or a mobile communication network or wireless. Modem for connecting the payment terminal 300 on the wired and wireless network and a communication channel through a data communication network or a high-speed wireless network, and to connect the payment terminal 300 to the high-speed human wired and wireless network in hardware ( M; Vm) or NIw (Network Interfoce wor), or comprises a communication protocol and / or driver for software to connect the payment terminal 300 to the wired and wireless network.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (340) is a confidentiality and / or authentication required by the payment terminal 300 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., within the payment terminal 300 without using an authentication server (or payment server 395) on the payment network. As a safety device for performing a reliable and reliable structure, a predetermined message (information or data) processed by the payment terminal 300 performs a predetermined security request function (for example, an electronic payment and / or an electronic payment function). ) Encrypts or decrypts, adds an authenticator that prevents forgery (or tampering) of the message, or provides important information in the process of performing the security request function. It is characterized by performing a function of storing.

In general, the security application module 340 is preferably composed of a predetermined security application module 340 inserter and the security application module 340 chip, the security application module 340 chip is a chip containing at least 8 bits or more CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 340 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 300 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocess / cancel command).

The print output unit 345 may process the payment terminal 300 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information or Data) to a predetermined printing device 335 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 335 according to a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 3, the payment terminal 300 is a memory provided with an operation mode of the payment terminal 300 in order to provide a payment service using a memory card provided in a customer mobile phone according to the present invention. A mode checking unit 355 for checking whether the memory card payment mode corresponds to a payment service using a card; and when the operation mode of the payment terminal 300 is the memory card payment mode, the key input unit 320. Through the information input unit 360 for inputting the payment information for the payment service using the memory card provided in the customer's mobile phone from a predetermined key input means, and transmits the input payment information to the memory card provided in the customer's mobile phone Receive payment approval information from the payment request unit 365 for requesting payment and the payment server 395 processing the transmitted payment information through the communication processing unit. And a payment processing unit 370 which outputs the payment processing details included in the received payment approval information through the screen output unit 315 and / or prints the output through the print output unit 345. Characterized in that made.

The mode checking unit 355 periodically performs an operation mode of the payment terminal 300 corresponding to a payment service using a memory card provided in the customer mobile phone (in response to the memory card payment mode switch key event). It is characterized by checking whether the memory card payment mode.

If the checking result is that the operation mode of the payment terminal 300 is not the memory card payment mode, the payment terminal 300 performs a conventional electronic payment processing function.

On the other hand, when the operation mode of the payment terminal 300 is confirmed as the memory card payment mode, the payment terminal 300 outputs the memory card payment mode check result through the screen output unit 315 (of May be omitted depending on intent and purpose).

The information input unit 360 receives the key input unit from the predetermined key input unit through the key input unit 320 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone. Characterized in that the payment information for the payment service using the memory card provided in the mobile phone, the input payment information is provided to the payment request unit 365.

In addition, the information input unit 360 is a barcode reader unit provided in the payment terminal 300 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone ( Bar code information (or RFID tag information) for a product for a payment service using a memory card included in the customer's mobile phone is input from an omitted figure (or an RFID reader unit (not illustrated)), and the input barcode (or RFID) is input. Payment information may be generated based on product information corresponding to the tag information).

In addition, the information input unit 360 is a predetermined key input means through the key input unit 320 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Wireless terminal information for the customer mobile phone may be further inputted from.

The payment request unit 365 transmits the payment information input through the information input unit 360 to a memory card provided in the customer mobile phone, and requests payment.

Here, when transmitting payment information to the memory card provided in the customer's mobile phone, it is preferable to transmit through the short-range wireless communication provided in the communication processing unit.

According to an embodiment of the present invention, the payment request unit 365 transmits the payment information to the memory card provided in the customer mobile phone, the payment information received from the memory card and the payment means provided in the memory card. The payment approval request information is generated based on the information and is transmitted to the payment server 395. In response, the payment server 395 uses the memory approval information provided in the mobile phone through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using a, generates a payment processing history corresponding to any one of the payment approval details or payment error details corresponding to the payment processing result, and the payment processing history Generates a predetermined payment approval information including the transfer to the memory card provided in the customer mobile phone, the memory card Standing and transmits it to the billing terminal 300.

According to another exemplary embodiment of the present invention, the payment request unit 365 transmits the payment information to the memory card provided in the customer mobile phone, and the payment information stored in the memory card and the payment means stored in the memory card. Generate payment approval request information based on the information and transmit it to the payment terminal 300, and transmits from the payment terminal 300 to the payment server 395 through the communication processing unit, corresponding to the The payment server 395 performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer mobile phone through the payment approval request information, and then the payment approval details corresponding to the payment processing result or Generate payment processing details corresponding to any one of payment error details, and provide predetermined payment authorization information including the payment processing details. It generates and transmits to the payment terminal 300.

According to another exemplary embodiment of the present invention, the payment request unit 365 transmits payment information to the memory card provided in the customer mobile phone, and the payment for the payment processing for the received payment information from the memory card. Extract means information and transmit it to the payment terminal 300, and generate payment approval request information based on the payment means information and the payment information received from the payment terminal 300, the generated payment approval request information To the memory card so that the memory card transmits the payment approval request information to the payment server 395. In response, the payment server 395 transmits the payment request information to the customer mobile phone. After a predetermined payment processing procedure for providing a payment service using a memory card provided in the payment, the payment corresponding to the payment processing result Create a payment processing history corresponding to any of the approval history or payment error history, and generates predetermined payment approval information including the payment processing history and transmits it to the memory card provided in the customer mobile phone, and from the memory card The payment terminal 300 is transmitted.

According to another exemplary embodiment of the present invention, the payment request unit 365 transmits payment information to the memory card provided in the customer mobile phone, and the payment for the payment processing for the received payment information from the memory card. Extracting the means information and transmitting to the payment terminal 300, and generates payment approval request information based on the payment means information and the payment information received from the payment terminal 300 through the payment server ( 395), the payment server 395 performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer mobile phone through the payment approval request information. Afterwards, a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the payment processing result is generated. To generate a predetermined payment authorization information including the group subscription payment processing is transmitted to the billing terminal 300.

After the payment approval request information is transmitted to the payment server 395 through the payment request unit 365, the payment processing unit 370 receives the payment approval request information from the payment server 395 through the communication processing unit. Periodically (or in response to an information receiving event of the communication processing unit) whether payment approval information including a payment processing history corresponding to is received.

If payment approval information including payment processing details corresponding to the payment approval request information is received through the communication processing unit, the payment processing unit 370 may include payment processing details (eg, payment approval details) included in the payment approval information. , Or a description of a payment error) through the screen output unit 315 and / or through the print output unit 345 to print out the memory. The electronic payment process for the payment service using the card is completed.

Referring to FIG. 3, the payment terminal 300 is a memory provided with an operation mode of the payment terminal 300 in order to provide a payment service using a memory card provided in a customer mobile phone according to the present invention. A mode checking unit 355 for checking whether the memory card payment mode corresponds to a payment service using a card; and when the operation mode of the payment terminal 300 is the memory card payment mode, the key input unit 320. Input payment information for a payment service using a memory card provided in the customer's mobile phone through a predetermined key input means, request and receive the payment means information stored in the memory card provided in the customer's mobile phone, and then input the information. Before the payment approval request including at least one information input unit 360, and payment information and payment means information input through the information input unit 360 The full text generation unit 375 for generating a statement, the full text transmission unit 380 for transmitting the generated payment approval request full text to the payment server 395 on the payment network through the communication processing unit, and through the communication processing unit Receives a payment approval message including payment processing details corresponding to the payment approval request text from the payment server 395 on the payment network, and displays the payment processing details included in the payment approval text through the screen output unit 315. It is characterized in that it comprises a specialized processing unit 385 for outputting the screen, and / or print out through the print output unit 345.

The mode checking unit 355 periodically performs an operation mode of the payment terminal 300 corresponding to a payment service using a memory card provided in the customer mobile phone (in response to the memory card payment mode switch key event). It is characterized by checking whether the memory card payment mode.

If the check result is that the operation mode of the payment terminal 300 is not the memory card payment mode, the payment terminal 300 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 300 is the When the memory card payment mode is confirmed, the mode check unit 355 outputs the memory card payment mode check result through the screen output unit 315 and then provides the information to the information input unit 360.

The information input unit 360 is configured to process an electronic payment corresponding to a memory card payment mode for a payment service using a memory card provided in the customer mobile phone, from the memory card provided in the customer mobile phone through the communication processor. Characterized in that the predetermined payment means information for the payment service using the memory card provided in the mobile phone characterized in that the input, the input payment means information is provided to the full text generation unit 375.

In addition, the information input unit 360 is a predetermined key input means through the key input unit 320 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that to input the payment information for the payment service using the memory card provided in the customer mobile phone, the input payment information is provided to the full text generation unit 375.

The full text generation unit 375 may generate a full text of the payment approval request including at least one of the payment information and the payment means information input through the information input unit 360. It provides to the professional transmission unit 380.

The specialized transmission unit 380 transmits the full payment approval request message generated by the specialty generation unit 375 to the payment server 395 on the payment network through the communication processing unit. The payment server 395 performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer's mobile phone through the payment approval request message, and then the payment approval details corresponding to the payment processing result. Alternatively, a payment processing history corresponding to any one of payment error details is generated, and a predetermined payment approval text including the payment processing details is generated and transmitted to the payment terminal 300 through the payment network.

After the payment approval request message is transmitted to the payment server 395 through the specialized transmission unit 380, the professional processing unit 385 receives the payment from the payment server 395 on the payment network through the communication processing unit. Periodically (or in response to the full text reception event of the communication processing unit) a payment approval text including a payment processing history corresponding to the approval request text is received.

If the payment approval message including the payment processing details corresponding to the payment approval request message is received through the communication processing unit, the expert processing unit 385 may include the payment processing details (eg, payment approval details) included in the payment approval message. , Or a description of a payment error) through the screen output unit 315, or / or through the print output unit 345 to print out the memory card. The electronic payment procedure for the payment service is completed.

Referring to FIG. 3, the payment terminal 300 includes an information receiving unit for receiving memory card information from a memory card to which short-range wireless communication is connected, and a discarded memory card in which the received memory card information is stored in the memory unit 350. Information confirmation unit 390 for checking whether the information is matched with the information, and if it is determined that the memory card information is matched with the discarded result, the discard request information is transferred to the memory card which transmits the memory card information through the short-range wireless communication. And a discard processing unit 393 that stores or registers whether or not to discard and discard the discard target memory card stored and registered on the server.

The information receiving unit may receive memory card information including identification information (or unique information) for the memory card from a memory card to which short-range wireless communication is connected.

According to the exemplary embodiment of the present invention, the memory card information is received from the memory card when the short-range wireless communication channel between the payment terminal 300 and the memory card is connected.

According to another embodiment of the present invention, the memory card information reception, after the short-range wireless communication channel between the payment terminal 300 and the memory card is connected, the one or more information (or data) from the memory card to the payment terminal ( When transmitting to 300, it is preferable to include the information (or data) to be transmitted.

When the memory card information is received from the memory card, the information checking unit 390 confirms whether the discard target memory card information matching the received memory card information is stored through the memory unit 350. When the received memory card information is found to match the discard target memory card information stored in the memory unit 350, the received memory card information is provided to the discard processing unit 393 which discards (or deactivates) the memory card. .

When the memory card connected to the payment terminal 300 and the short-range wireless communication is identified as a memory card to be discarded, the disposal processor 393 may discard (or deactivate) the payment means stored in the memory card with the memory card. Characterized by request.

According to an embodiment of the present invention, the disposal (or deactivation) process for the memory card may be configured such that payment means information provided in the memory card is no longer provided to the outside, or payment means information stored in the memory card. It is preferable to perform a discard (or deactivation) process on the memory card by deleting the process.

4 is a diagram illustrating a functional configuration of a memory card 400 for providing a financial transaction service between terminals using payment means information stored in a memory according to an embodiment of the present invention.

In more detail, Figure 4 is an embodiment of a memory card 400 having a memory card payment mode for providing a financial transaction service between terminals using payment means information stored on the memory, the present invention belongs to Those skilled in the art will be able to infer the functional configuration of the various memory card 400 to provide a financial transaction service between terminals using payment means information stored in the memory by referring to and / or modifying the present Figure 4 The present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to provide a terminal-to-terminal financial transaction service using payment means information stored in a memory. Although a method of transmitting payment approval request information and a method of generating and transmitting a payment approval request full text are shown and described in one drawing, the present invention is not limited thereto and only one method may be provided. have.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4, in addition to the SD (Secure Digital) memory card 400, the MiniSD memory card 400, MicroSD (T- Applicable to all memory cards 400, such as Flash) memory card (400), MMC memory card (400), Compact Flash (CF) memory card (400), Memory Stick, and eXtreme Digital (XD) memory card (400). It is possible, and the invention is not limited thereby.

Referring to FIG. 4, a memory card 400 having a memory card payment mode for an inter-terminal financial transaction service using payment means information stored in a memory basically includes a control unit 410, a memory unit 490, and a communication processing unit. 465, a security application module 480, and a memory access control unit 485, and include at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 410 controls the overall operation of the memory card 400 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on payment information stored in the memory card provided in the customer's mobile phone. And interoperating and controlling at least one component provided in the memory card 400, and executing at least one processor including a central processing unit (CPU) / microprocessor unit (MPU) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific functions. A predetermined program which is loaded from the predetermined recording medium into the execution memory for processing by the processor A predetermined program recorded on a recording medium provided in the memory card 400 for payment processing based on payment information stored in the memory card provided in the customer's mobile phone, including routines and / or program data; And / or a component capable of being processed by software among the functional configurations provided in the memory card 400 is shown in the controller 410.

According to an exemplary embodiment of the present invention, the controller 410 may access a component (eg, the memory unit 490, the communication processor 465, the security application module 480, and the memory access provided in the memory card 400). Controlling and managing the electronic payment service defined in the memory card 400 by interworking a control beam and / or a terminal function unit (not shown) according to the intention and purpose of those skilled in the art, as well as the present invention, Terminal to use the payment means information stored in the memory, and / or control the interworking with the components provided in the memory card 400 for the inter-terminal financial transaction service using the payment means information stored on the memory It is preferable to execute a program recorded on a recording medium provided in the memory card 400 for the inter-financial transaction service.

The memory unit 490 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the memory card 400 is performed. General term of non-volatile memory for storing information or data), and includes at least one or more storage means including hardware electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM), A predetermined program routine and program data (for example, data input or outputted by the program routine to perform a predetermined function) required for the controller 410 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 490 may include at least one payment means information for providing a payment service using the memory card 400 and a memory for the memory card 400 according to a request of a customer. Card 400 information, merchant information (or merchant terminal information) to be set when a target merchant is to be specified when providing a payment service using the memory card 400, and use corresponding to a specified usage condition for each payment method It is preferable that the at least one device includes condition information and device information for limiting a device on which the memory is mounted.

In addition, the memory unit 490 may further store the deactivation setting information for the stored payment means.

The communication processor 465 is a terminal (or device) connected to the memory card 400 through a predetermined short range wireless communication while the memory card 400 performs a predetermined function (for example, an electronic payment processing function). ) And a predetermined wireless communication processing unit 475 for connecting a communication session, and a wired communication processing unit 470 for connecting a communication channel for the device on which the memory card 400 is mounted.

The wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), WLAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (480) is a confidentiality and / or authentication required by the memory card 400 to perform electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, and / or security structures within the memory card 400 without using an authentication server (or server) on a payment network. As a safety device for performing the operation, the memory card 400 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment and / or electronic payment function). It adds an authenticator that decrypts, prevents forgery (or tampering) of the message, or extracts important information important in performing the security request function. It is characterized by performing a function of storing.

In general, the security application module 480 is preferably composed of a predetermined security application module 480 inserter and a security application module 480 chip, the security application module 480 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 480 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the memory card 400 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit prescribes predetermined information or data (e.g., payment processing result information or data) generated as a result of the memory card 400 performing a predetermined function (e.g., an electronic payment processing function) and / or as a result. Characterized in that it is output to a printing device (for example, a receipt printer), and comprises a printing protocol and a driver for printing the print information or data through a predetermined printing device in accordance with a predefined printing form.

Referring to FIG. 4, the memory card 400 requests and confirms an authentication for the payment service to provide a financial transaction service between terminals using payment means information stored on a memory according to the present invention. 415 is provided.

Authentication request and confirmation for the payment service according to an embodiment of the present invention, the program request for the authentication information input (or selection) to the terminal equipped with the memory card 400, and the drive in the terminal After receiving the authentication information input (or selected) through the program, it is preferable to check the authentication of the received authentication information.

Authentication request and confirmation for the payment service according to another embodiment of the present invention, a program capable of inputting (or selecting) authentication information through an operation of the terminal equipped with the memory card, and through the driven program It is preferable to check the authentication of the authentication information by receiving authentication information input (or selected).

Referring to FIG. 4, the memory card 400 includes an information confirmation unit 420 for confirming payment means information stored on the memory unit 490, and a terminal for providing the confirmed payment means information and payment information. An information generating unit 425 for generating payment approval request information based on payment information received from the terminal, and the terminal for mounting the payment approval request information generated through the communication processing unit 465 to the memory card 400. And a payment processing unit 430 for receiving the payment approval result information and completing the payment processing, when the server transmits the payment approval result information to the server through the server and receives the payment approval request information. It characterized by comprising a.

The information checking unit 420 confirms payment means information stored on the memory unit 490, and the confirmed payment means information is provided to the information generating unit 425.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 490, in order to check the payment means information stored on the secure memory area, in conjunction with the memory access control unit 485 It is advisable to follow a separate memory approach.

The information generation unit 425 generates payment approval request information based on the payment information received from the terminal providing the payment information and the confirmed payment means information. The payment approval request information is generated. Is provided to the payment processing unit 430.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The payment processing unit 430 transmits the payment approval request information generated by the information generation unit 425 to the server on the payment network through the communication processing unit 465. After performing a predetermined payment processing procedure for providing a financial transaction service between terminals using payment means information stored in the memory through the payment approval request information, payment approval details or payment error details corresponding to the payment processing result. Generate payment processing details corresponding to any one of the above, and generate predetermined payment approval result information including the payment processing details and transmit them to the memory card 400 through the payment network.

After the payment approval request information is transmitted to the server through the payment processing unit 430, the payment processing unit 430 transmits a payment corresponding to the payment approval request information from a server on the network through the communication processing unit 465. Periodically (or in response to the information receiving event of the communication processing unit 465), the payment approval result information including the processing history is received.

If payment approval result information including payment processing details corresponding to the payment approval request information is received through the communication processing unit 465, the payment processing unit 430 may include the payment processing details included in the payment approval result information ( For example, payment approval details or payment error details) may be stored on the memory unit 490 or output through an output device provided in the terminal on which the memory card 400 is mounted.

Referring to FIG. 4, the memory card 400 includes an information confirming unit 420 for confirming payment means information stored on the memory unit 490 and a terminal for providing the confirmed payment means information and payment information. A full text generation unit 435 for generating a full text of the payment approval request based on the received payment information, and a full text transmission unit 440 for transmitting the generated full text of the payment approval request to the server on the network through the communication processing unit 465. And a professional processing unit 445 for receiving a payment approval result message including a payment processing history corresponding to the full payment approval request message from the server on the network through the communication processing unit 465 to complete the payment processing. It is characterized by.

The information checking unit 420 confirms payment means information stored on the memory unit 490, and the confirmed payment means information is provided to the information generating unit 425.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 490, in order to check the payment means information stored on the secure memory area, in conjunction with the memory access control unit 485 It is advisable to follow a separate memory approach.

The full text generation unit 435 may generate a full text of the payment approval request including at least one payment information received from the terminal providing the payment information and the verified payment means information. The full request for approval is provided to the specialized transmission unit 440.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The specialized transmission unit 440 transmits the payment approval request message generated by the specialty generation unit 435 to a server on a network through the communication processing unit 465. After performing a predetermined payment processing procedure for providing a financial transaction service between terminals using payment means information stored in the memory through the payment approval request text, payment approval details or payment error details corresponding to the payment processing result. It generates a payment processing history corresponding to any one of, and generates a predetermined payment approval result text including the payment processing history and transmits it to the memory card 400 through the network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 440, the expert processing unit 445 corresponds to the payment approval request message from the server on the payment network through the communication processing unit 465. Periodically (or in response to the full text reception event of the communication processing unit 465), the full text of the payment approval result including the payment processing history is received.

If the payment approval message including the payment processing history corresponding to the payment approval request message is received through the communication processing unit 465, the expert processing unit 445 may include a payment processing history (for example, included in the payment approval message). Payment approval details, or payment error details) is preferably stored on the memory unit 490, or output through the output device provided in the terminal equipped with the memory card 400.

Referring to FIG. 4, the memory card 400 communicates with an adjacent payee memory card 400 in association with the communication processing unit 465 to confirm payee account information, and the payment stored on the memory unit 490. The information checking unit 420 for confirming the account information, the confirmed payee account information, the payer account information, the transfer amount information provided by the terminal on which the memory card 400 is mounted, and the transfer process to the payee account. An information generation unit 425 for generating financial transaction request information including authentication information for transmitting the information, and transmitting the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 400. The memory 450 processes a financial transaction corresponding to the financial transaction request information in a server on the network, and generates financial transaction result information corresponding to the memory. When de transferred to the memory card 400 through the terminal 400 is mounted, characterized in that formed by an information reception section 455 for receiving the financial transaction result information.

The information checking unit 420 receives payee account information provided in the payee memory card 400 from the payee memory card 400 adjacent to the memory card 400, and the payment stored on the memory unit 490. It is characterized in that the check account information, the confirmed payee account information and payer account information is provided to the information generation unit 425.

Here, the payer account information is preferably stored in a secure memory area on the memory unit 490, and to check the payer account information stored on the secure memory area, the memory access control unit 485 and It is desirable to check in accordance with a separate memory approach in conjunction.

In addition, it is preferable to include a step of confirming the authentication for providing the payee account information at the terminal side provided with the memory card 400 for transmitting the payee account information.

In addition, the transfer amount information can be further provided from the memory card 400 of the addressee side, thereby the present invention is not limited.

The information generation unit 425, when the confirmed payee account information, the payer account information and the transfer amount information is confirmed, based on this to further verify the authentication information for the transfer processing to generate a financial transaction request information, characterized in that The generated financial transaction request information is provided to the information transmitter 450.

According to an embodiment of the present invention, the authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. Characterized in that it comprises at least one password corresponding to the payer financial account, or a password corresponding to the financial transaction.

In addition, the authentication information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the payer financial account, and / or OTP (One Tome Password) generator provided to the customer It is preferably made further comprising an OTP code generated through.

The information transmitter 450 may transmit the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 400.

The server receiving the financial transaction request information processes a financial transaction corresponding to the financial transaction request information, generates financial transaction result information corresponding thereto, and generates a memory card through a terminal equipped with the memory card 400. When transmitting to 400, the information receiving unit 455 is characterized in that for receiving the financial transaction result information.

Referring to FIG. 4, when the unique information (or merchant information) of the terminal is received from the terminal requesting payment using a payment means provided in the memory card 400, the received memory card 400 is received. And an information checking unit 420 for confirming payment means information corresponding to the unique information (or affiliated store information). Preferably, the checked payment means is used to be used in the payment processing process.

According to the exemplary embodiment of the present invention, the payment means information confirmation corresponding to the received unique information (or affiliated store information) is information that matches the received unique information (or affiliated store information) in association with the memory unit 490. Check and check the stored payment means information in connection with the identified unique information (or merchant information).

If the payment means information for the unique information (or merchant information) is confirmed, it is preferable to process the confirmed payment means to be used in the payment processing process.

That is, after processing the payment means identified from the plurality of payment means provided in the memory card 400 to be activated, and processing to be deactivated again when the payment processing is completed through the activated payment means It is preferable.

Here, in addition to confirming the payment means corresponding to the unique information (or merchant information), the payment means may be processed according to the payment information, and the present invention is not limited thereto.

For example, if the payment amount is less than 10,000, debit card payment means, if more than 10,000 credit card payment means to be used, or transportation charges are applied to the credit card payment means is applied to the general payment process to use the debit card payment means. It is possible.

If a request for changing / canceling / deleting payment means for each stored unique information (or affiliated store information) is received, it is possible to change / cancel / delete based on this, and thus the present invention is not limited thereto.

Referring to FIG. 4, when the discard (or deactivate) request information is received from the terminal to which the near field communication is connected to the memory card 400, the memory card 400 may include the received discard (or deactivate) request information. Correspondingly, the payment means information stored in the memory unit 490 may be provided so as not to be provided to the outside, or the disposal processing unit 460 is disposed.

According to an embodiment of the present invention, the deactivation (or discarding) of the payment means information provided in the memory card 400, the payment means information stored in the memory card 400 is provided in response to the payment means information request By not setting, it is preferable to deactivate (or discard) the payment means information stored in the memory card 400.

FIG. 5 illustrates a process of remotely disposing (or deactivating) the memory card 545 through the payment terminal 540 having the payment mode of the memory card 545 according to the embodiment of the present invention.

In more detail, FIG. 5 illustrates a remote disposal of the memory card 545 through the payment terminal 540 having the payment mode of the memory card 545 for the payment service using the memory card 545 included in the customer's mobile phone. (Or deactivation) shows a process of processing, if those of ordinary skill in the art to which the present invention pertains, the payment using the memory card 545 provided in the customer's mobile phone by referring to and / or modifying the drawing 5 While various payment methods 540 for a service may be inferred from various implementation methods for the process of the process of disposing (or deactivating) the memory card 545, the technical features of the present invention will be described with reference to FIG. It is to be understood that the present invention is not intended to be limiting and encompasses all inferred methods of implementation.

Referring to FIG. 5, the payment terminal 540 shown in FIG. 3 inputs (or selects) one or more payment information through the output user interface (500), and the payment information is input (or selected). The data is transferred to the memory card 545 shown in FIG. 4 (505).

Thereafter, the memory card 545 checks the memory card 545 information including the unique information (or identification information) of the memory card 545 (510), and checks the identified memory card 545 information. The payment terminal 540 transmits the information to the payment terminal 540 (515). In response, the payment terminal 540 checks whether the lost / discarded list of the received memory card 545 information is included (520).

If it is determined that the received memory card 545 information is included in the lost / discarded list (525), the payment terminal 540 may request the discard (or deactivate) request information for the memory card 545. Transmitting to the memory card 545 through short-range wireless communication (530), and correspondingly, the memory card 545 processes the payment means stored in the memory card 545 to be discarded (or deactivated) (535). .

According to an embodiment of the present invention, the disposal (or deactivation) process of the memory card 545 may be configured such that payment means information provided in the memory card 545 is no longer provided to the outside, or the memory By deleting the payment means information stored in the card 545, it is preferable to discard (or deactivate) the memory card 545.

6 is a diagram illustrating a process of remotely disposing (or deactivating) the memory card 690 according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates a process of remotely disposing (or deactivating) the memory card 690 during a payment processing through a predetermined merchant using a payment means stored in the memory card 690. Those skilled in the art can infer various implementation methods for the remote disposal (or deactivation) process of the memory card 690 by referring to and / or modifying the present invention. Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, the payment terminal 685 illustrated in FIG. 3 may input (or select) payment information through an interface for inputting (or selecting) payment information output on the screen of the payment terminal 685. 600, and transmits the input (or selected) payment information to a memory card 690 adjacent to the payment terminal 685 through short-range wireless communication (605).

Thereafter, the memory card 690 requests the VM to be operated by the wireless terminal equipped with the memory card 690, transmits payment information to be output through the VM, and requests authentication for payment processing through the payment means. In operation 610, the wireless terminal equipped with the memory card 690 drives the VM in response to a request of the memory card 690, and outputs payment information provided by the memory card 690. A request for inputting authentication information for payment processing for the output payment information is made (615).

If authentication information for payment processing for the output payment information is input (or selected) (620), the wireless terminal is input (or selected) authentication to the memory card 690 mounted on the wireless terminal Information is transmitted (625), and correspondingly, the memory card 690 receives the authentication information transmitted from the wireless terminal and confirms the authentication of the received authentication information (630).

If it is confirmed whether the authentication of the authentication information input (or selected) transmitted through the wireless terminal (635), the memory card 690 is the customer payment means information stored in the memory card 690 and the memory Check the memory card 690 information for the card 690, and generate payment approval request information based on the confirmed customer payment method information, the memory card 690 information, and the received payment information (or Extraction) (645), and transmits the generated (or extracted) payment approval request information to the customer wireless terminal (693) (650), the wireless terminal receives the received payment approval request information financial transactions Relay transmission to the server 695 (655).

Thereafter, the financial transaction server 695 checks whether the memory card 690 information included in the received payment approval request information is included in the lost / discarded list (660), and confirms that it is included in the lost / discarded list. In operation 665, the discard (or deactivate) request information for the memory card 690 is transmitted through the wireless terminal 670 to the memory card 690 (675), and correspondingly, the memory card ( The processor 690 processes the payment means stored in the memory card 690 to be discarded (or deactivated) (675).

According to an exemplary embodiment of the present invention, the disposal (or deactivation) process of the memory card 690 may be set such that payment means information provided in the memory card 690 is no longer provided to the outside, or the memory It is preferable to delete (or deactivate) the memory card 690 by deleting the payment means information stored in the card 690.

According to the present invention, when a customer registers the fact that the memory card is lost through a financial institution, etc., the lost / discarded list is provided as a payment terminal, and the customer who has acquired the lost memory card requests the payment and confirms the loss. By remote disposal of the memory card, it is possible to prevent financial accidents through misuse of the lost memory card.

Claims (5)

A memory card comprising a memory unit having a secure memory area for storing payment means information of a customer, and a memory access control unit for controlling access to the secure memory area, When using a payment service using the payment means information, request a program driving for inputting authentication information to the terminal equipped with the memory card, and after receiving the authentication information input through the driven program from the terminal, the received An authentication confirmation unit for authenticating a financial transaction service between terminals using the payment means information using authentication information; An information confirmation unit confirming the payment means information by accessing the secure memory area through the memory access control unit when the inter-terminal financial transaction service using the payment means information is authenticated; A payment processing unit providing the payment means information to an external terminal providing payment information; An information receiver configured to receive discard request information for the memory card from the external terminal; And a discard processing unit for deleting the payment means information stored in the secure memory area through the memory access control unit when the discard request information is received. The method of claim 1, The information receiver, Receive payment information and merchant information from an external terminal providing the payment information, The information generation unit, Generating payment approval request information including the payment means information, the received payment information, and merchant information; The payment processing unit, Memory card, characterized in that for providing the payment approval request information to the external terminal for providing the payment information. The method of claim 1, wherein the memory card, After providing the payment means information to the external terminal providing the payment information, the protocol information and key value for receiving the discard request information for requesting the disposal of the payment means information from the external terminal in response to the discard request information; And a security application module for storing a key value for obtaining a right to delete payment means information stored in a secure memory area. A memory card disposal method of a memory card, comprising: a memory unit having a secure memory area for storing payment means information of a customer; and a memory access control unit controlling access to the secure memory area; When using a payment service using the payment means information, request a program driving for inputting authentication information to the terminal equipped with the memory card, and after receiving the authentication information input through the driven program from the terminal, the received Authenticating an inter-terminal financial transaction service using the payment means information using authentication information; Confirming the payment means information by accessing the secure memory area through the memory access control unit when the inter-terminal financial transaction service using the payment means information is authenticated; Providing the payment means information to an external terminal providing payment information; Receiving discard request information for the memory card from the external terminal; And deleting the payment means information stored in the secure memory area through the memory access control unit when the discard request information is received. delete

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