KR20000037185A - A small sum paying system and a refill system using mobile having a RF chip - Google Patents

Abstract

PURPOSE: A small-sum settlement and refill system using portable communication terminal inserted into wireless card chip is provided to quickly and accurately pay a price when using a general commercial transaction or a general traffic means by inserting an RF chip for a noncontact type advance payment card into a portable communication terminal and paying the price using the RF chip. CONSTITUTION: An RF chip for an RF card has a card intrinsic number. An antenna coil is inserted into a portable communication terminal (10) for driving the RF chip and performing a data interface. An RF chip reader (11) reads the card intrinsic number recorded in the RF chip as a noncontact type. A member store computer (12) has the RF chip reader (11), inquires a balance according to the card intrinsic number received in the RF chip reader (11) through an internet, authenticates a card transaction when the balance is over a transaction cost, and publishes a price demanding document. A wireless internet connection service system (21) supports a wireless internet connection of the portable communication terminal (10). A card member DB (15) updates connecting account balance information. A web server (14) provides balance information recorded in the card member DB (15) through the internet when a member requests an inquiry of balance information, updates balance price information to the card member DB (15), and processes a transaction list and price demanding information published from the member store computer (12).

Description

A small sum paying system and a refill system using mobile having a RF chip}

The present invention enables a prepaid card transaction in daily life by embedding an RF chip for a non-contact prepaid card in a mobile communication terminal and searching the balance of the prepaid card stored in the RF chip embedded in the mobile communication terminal through the Internet whenever necessary. The present invention relates to a micropayment and refill system using a wireless communication chip embedded mobile communication terminal enabling remote refilling.

Recently, thanks to the proliferation of bus cards, which are a kind of prepaid card, and subway cards, which are a kind of postpaid card, the proportion of card payments is increasing. Therefore, ultimately, most payment methods are to be made by credit card instead of cash.

In particular, the bus card charges and accumulates a certain amount of information in the memory area mounted inside the card, and checks the amount of information corresponding to the fare of the bus by checking the RF terminal system installed at the bus entrance when using the bus. It is based on a payment system.

In order to use a transportation method, which is a typical form of prepaid card, a card must first be purchased at an RF card dealer. The first purchase of a RF transportation card is usually filled with a certain amount of money, so you can use public transportation as it is.You have spent all the money on the card, or pay a certain amount of cash to the charging station to replenish the amount. The amount information corresponding to the amount is accumulated in the corresponding RF traffic card through the charger.

The RF transit card as a prepaid card is used when the holder of the RF card passes the bus within the prescribed distance (for example, about 10 cm) to the RF terminal (RF reader) installed at the entrance of the bus. The internally mounted antenna coil is subjected to a constant power induced by the electromagnetic field generated by the radio waves radiated from the RF terminal, and is rectified and supplied as an operating voltage to the RF chip inside the RF traffic card.

When the RF chip inside the RF traffic card is activated, the amount information contained in the memory inside the RF chip is transmitted to the RF terminal through the antenna coil inside the RF traffic card, and the RF terminal is connected to the RF chip of the RF traffic card. It accepts the charged amount information and determines whether the current amount information is more than the amount corresponding to the ride fare of the corresponding round.

At this time, if the amount accumulated in the RF transit card is more than the amount that can be settled, the balance of the RF transit card is displayed on the display of the RF terminal after deducting the amount corresponding to the corresponding fare.

If the current balance of the RF transit card is less than the fare of the corresponding round, a warning message of insufficient balance will be displayed to indicate rejection of the transaction and a cash payment of the fare will be requested.

On the other hand, the total amount of traffic charges accumulated in the RF terminal is collected and settled by individual bus units in the ride information collection and settlement system, and then paid for the freight sales to the RF transportation card issuing system that manages multiple charging stations. Will be charged and the charge will be paid.

Such RF transportation (bus) card system frees passengers from the problem of change in cash, or the purchase and retention of tokens from token (or voucher) so far, and provides tokens or coupons to bus operators. This reduces the administrative burden on the company, bringing time and economic benefits.

However, the existing RF traffic card system has the following disadvantages.

First of all, to replenish the RF bus card with the price information, you must go to the charging station (which also serves as the sales office). Therefore, there is considerable inconvenience in charging the amount information on the RF bus card except in the city center where the charging stations are concentrated.

Second, the balance information remaining on the RF bus card can not be known except when the passenger directly boards the bus to pay the fare or charge the RF bus card. Therefore, RF bus card holders are frequently required to get cash payment for bus fare or get off as it is because there is not enough balance accumulated on their card. Therefore, the user using the RF bus card has a burden that must always remember the balance information amount information when using the last bus that represents the amount information stored on their card.

These drawbacks are not only seen in bus cards, but are also common in other micropayment prepaid or debit cards.

An object of the present invention is to embed the RF chip for contactless prepaid card in the mobile communication terminal to enable the prepaid card transaction in daily life and to check and refill the balance of the prepaid card through the Internet whenever necessary. The present invention provides a micro payment and refill system using a wireless communication card embedded mobile card terminal.

1 is a block diagram of a system of the present invention.

2A and 2B are exemplary views illustrating a state in which an RF chip and an antenna coil for an RF card applied to the system of the present invention are installed inside a portable communication terminal.

※ Explanation of symbols about main part of drawing ※

10: mobile communication terminal 11: RF chip reader

12: Merchant Computer 13: Internet

14: Web Server 15: Card Member DB

18: Bank account management system 19: Mobile communication network

20: mobile communication service system server 21: wireless Internet access service system

22: Internet banking system 23: Banking server

The present invention for achieving the above object is an RF chip reader for micropayment of merchants by embedding the RF chip for the RF card having a card unique number and the antenna coil for driving and data interface of the RF chip in the mobile communication terminal When accessing the mobile communication terminal to the card unique number stored in the RF chip is read by the RF chip reader in a non-contact way to check the balance and payment online, and also to access the web server through the Internet access to their card number It is characterized by enabling the inquiry and refilling of the balances listed in.

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

1 is an overall block diagram of a system of the present invention. As referred to herein, the present invention relates to a mobile communication terminal (10) having an RF chip for an RF card having a card unique number, an antenna coil for driving and data interface of the RF chip, and an RF in the mobile communication terminal. RF chip reader 11 which reads the card unique number stored in the chip in a non-contact manner, and the RF chip reader, the balance of each card unique number received by the RF chip reader is inquired through the Internet, and the balance of the transaction amount If the above is an affiliated computer 12 for approving a card transaction and issuing a bill, a wireless Internet access service system 21 for supporting wireless Internet access of the mobile communication terminal, and a card unique number embedded in the mobile communication terminal. Card member DB (15) for updating the member's consolidated account balance information in units, and the balance information for each card's unique number from the member connected through the Internet If there is a ward, the balance information contained in the card member DB is provided through the Internet, and when the card balance is refilled by the member, the corresponding deposit information is received, the balance amount information is updated in the card member DB, and the card is issued from the merchant computer. The web server 14 processes transaction information and billing information for each number, and receives payment authorization information from the web server, and sends a bill to a bank account opened by a merchant through a bank account server 23. In addition, the bank account management system 18 receives the refilled amount remittance information to the linked account for each member's card unique number through the Internet banking system 22 and transfers the deposit information to the web server as deposit information.

2A and 2B show an embodiment in which an RF chip and an antenna coil are mounted on the portable communication terminal 10 of the present invention.

As referred to herein, the RF chip 10-1 and the operating voltage are provided to the RF chip 10-1 at a specific position inside the mobile communication terminal, and the card unique number is supplied to the RF chip reader 11 side. An antenna coil 10-2 for transmitting is provided. The RF chip 10-1 and the antenna coil 10-2 may be installed along the inner circumference of the display of the mobile communication terminal when the target terminal is a flip type, and the inner or outer circumference of the cover when the target terminal is a fold type. Can be installed along.

This indicates an embodiment, in which the installation position of the RF chip is not particularly limited, and also the installation position of the antenna coil. The antenna coil can also be mounted inside the cover.

In particular, the memory of the RF chip embedded in the portable communication terminal is a PROM that allows the purchaser of the portable communication terminal to enter the card unique number once through the key input means of the terminal in the preset mode for registering the unique number. Can be designed. Also, the memory of this RF chip can be designed as EPROM or EEPROM to allow arbitrary change of card unique number. The card unique number information registered on the RF chip of the mobile communication terminal is registered and used by the owner of the mobile communication terminal as a member of the system manager including the web server 14 and the card member DB 15. At the time of membership registration, registration of the account linked to the card's unique number is required for the balance refill.

The card unique number information of the RF chip is determined in advance by the manufacturer of the portable communication terminal, and the owner of the portable communication terminal uses the input information as a member of the system manager including the web server 14 and the card member DB 15. You can register and open a linked account for the balance refill on your card number.

In addition, after inputting the card unique number information of the RF chip in advance by the manufacturer of the mobile communication terminal and registered in the card member DB (15) of the system administrator, the purchaser of the mobile communication terminal for refilling the membership card unique number already registered You can register your account and use it.

Referring to the operation of the present invention configured as described above are as follows.

In order to settle payment at the affiliate store using the portable communication terminal 10 having the built-in RF chip, the portable communication terminal 10 is connected to the RF chip reader 11 connected to the affiliate computer 12 at a predetermined distance (about 10 minutes). What is necessary is just to approach within cm). The approach (operation) distance can be adjusted by changing the system design specification, but is determined in consideration of the reliability and stability of the transaction.

When the mobile communication terminal 10 approaches the RF chip reader 11 within the working distance range, the antenna coil 10-2 for the RF chip 10-1 installed therein is radiated from the RF chip reader 11. Under the influence of the electromagnetic field to form an organic power will be generated. The induced voltage is rectified and supplied as an operating voltage to the RF chip 10-1 having a memory area storing the card unique number information. Accordingly, the card unique number information recorded on the RF chip 10-1. Is read and transmitted to the RF chip reader 11 through the antenna coil 10-2.

The RF chip reader 11 has a loop antenna coil mounted therein for active and information exchange of the RF chip.

The card unique number data of the built-in RF chip for the mobile communication terminal 10 received in a non-contact manner by the RF chip reader 11 is immediately transmitted through the web server of the system manager through the affiliated computer 12 connected to the Internet 13. 14) is sent to the balance inquiry information.

If there is a balance inquiry from the affiliate computer side, the web server 14 reads the balance information of the corresponding card unique number recorded in the card member DB 15 and transmits it to the affiliate computer 12.

The merchant computer 12 regards the transaction balance for the payment amount if the current balance exceeds the amount to be traded as a result of the balance inquiry on the card unique number of the RF chip mounted on the mobile communication terminal 10 of the user. To issue a sales slip and access the web server 14 via the Internet to charge for the sales.

When the web server 14 receives a request for payment from the merchant computer 12 connected to the Internet 13, the web server 14 transmits the payment approval information to the bank account management system 18 so that the bank account management system 18 ) Will remit the charge to the opening bank account of the merchant registered in advance.

The bank account management system 18 has a designated linked account for each card unique number, and when the bill is executed according to a payment request from a merchant, the amount of the payment is transferred from the designated account linked to the card unique number. Withdrawn. The balance information of the corresponding card unique number after the withdrawal of the payment amount according to the use of the card is updated in the card member DB 15 through the web server 14.

On the other hand, the owner of the RF chip-embedded portable communication terminal 10 accesses the web server 14 of the system manager through the portable communication network 19 and the Internet 13, and the balance and rigor of the card's unique number registered on the RF chip. You can check how much is the balance of the account linked to the card number.

To this end, the owner of the mobile communication terminal 10 accesses his mobile communication terminal to the web server 14 through the wireless Internet access service system 21 and inputs the card unique number of the RF chip embedded in his mobile communication terminal. Then, the web server 14 reads the balance information for each member stored in the card member DB 15 and delivers the balance information to the portable communication terminal 10 side.

On the other hand, when the balance inquiry results through the wireless Internet, refill of the balance stored in the card-specific number for each member of the card member DB (15), the user of the mobile communication terminal 10, the wireless Internet access service system 21 and the Internet banking system Attempt Internet banking through 22 to increase the balance of the card member DB 15.

Specifically, first, after accessing the Internet banking system 22 using the mobile communication terminal 10, the desired refill amount from any arbitrary account on the bank account management system 18 associated with the card unique number Send money to the designated account number. When the refill fund transfer for the specific card unique number linked account managed by the bank account management system 18 is completed from the Internet banking system 22, the bank account management system 18 is sent to the web server 14 side. By sending the deposit information for each card number, the balance of the specific card unique number in the card member DB 15 is updated.

The web server 14 may allow not only Internet banking but also phone banking using ARS.

The amount that can be refilled on the RF card for the RF card mounted on the mobile communication terminal 10 may be set to a maximum amount (for example, 50,000 won) to a maximum limit, on the premise of a small payment, and flexibly operated for each case. have. This can prevent the damage of the owner of the portable communication terminal that is excessive RF chip caused by the loss of the terminal and missed slip issued.

In the above description of the system of the present invention, when the balance inquiry and the balance refilling of the card unique number are described using only the portable communication terminal 10 having the RF chip of the corresponding unique number, the user computer for general Internet connection is described. Even through the ARS connection using or through the phone can be designed to enable the balance inquiry and balance refill for a specific card unique number.

As described above, the present invention has a built-in RF chip and an antenna coil for a non-contact RF card in a mobile communication terminal, so that the user can carry the commercial transaction and public transportation by using only a mobile communication terminal without having to carry a separate card. And the unique effect of paying correctly will appear.

In addition, the present invention can check the balance remaining in the card unique number of the RF chip embedded in the mobile communication terminal anytime and anywhere through the Internet, and has a unique effect of refilling the desired amount through Internet banking, if necessary Will appear.

In addition, the present invention is to access the web server of the system administrator using a general computer or ARS, the unique effect that the balance lookup and balance refill function for a specific card unique number is shown.

Claims (2)

A portable communication terminal (10) having an RF chip for an RF card having a card unique number and an antenna coil for driving and data interface of the RF card; An RF chip reader 11 for contactlessly reading the card unique number stored in the RF chip in the mobile communication terminal; An affiliated computer (12) having the RF chip reader and inquiring the balance history for each card's unique number received by the RF chip reader through the Internet and approving the card transaction and issuing a bill if the balance is greater than the transaction amount; A wireless internet access service system 21 for supporting wireless internet access of the portable communication terminal; A card member DB (15) for updating the linked account balance information of the member in units of card unique numbers embedded in the mobile communication terminal; If there is a request for checking balance information for each card's unique number from the member connected through the Internet, the balance information contained in the card member DB is provided through the Internet, and when the card balance is refilled by the member, the deposit information is received and the card member DB is received. A web server 14 for updating balance amount information and processing transaction details and billing information for each card's unique number issued from the affiliate computer; Receiving the payment payment approval information from the web server through the bank account server 23 transfers the bill to the bank account opened by the merchant side, through the Internet banking system 22 to the member's card unique number linked account A micro-payment and refill system using a wireless card chip built-in mobile communication terminal, comprising: a bank account management system (18) for receiving the refill amount transfer information of the remittance information and transfer it to the web server as deposit information. The wireless card chip according to claim 1, wherein the web server 14 is designed to allow input by a user computer or ARS phone connected to the Internet when checking balances and refilling balances for a specific card unique number. Micro payment and refill system using a mobile communication terminal.