KR20000037186A - A small sum paying system and a refill system using black list mobile information - Google Patents

Abstract

PURPOSE: A system for a credit inquiry, small sum settlement and balance refill using information about disqualified terminals is provided to allow a user to pay the charges for various typical transactions and popular traffic, check and refill the balance in a user's bank account, using a mobile communication terminal, by installing a noncontact type radio frequency(RF) chip as an RF card and antennal coil in the terminal, and recording an own number of the terminal in the RF chip. CONSTITUTION: A mobile communication terminal(10) includes an RF chip and antenna coil for driving the RF chip and for a data interface. An RF chip reader(11) reads the own number of the terminal by the noncontact method. An affiliated store computer(12) has the RF chip reader(11), and refers to a database(24) for the disqualified terminals using the own number received from the RF chip reader(11) in order to perform a transaction paid in advance. A member database(15) updates the information on members and balances. A server(20) provides communication services, and includes the database(24) which stores the information on the disqualified terminals. A web server(14) provides the information on the disqualified terminals and the balance information in the member database(15) via an internet, updates the balance information at the refill and process the data on the transactions and charges. A bank account managing system(18) processes monetary affairs via an internet banking system(22).

Description

A small sum paying system and a refill system using black list mobile information}

The present invention enables a prepaid transaction in daily life by using a contactless prepaid RF chip embedded in the mobile communication terminal. Whenever necessary, the prepaid balance stored in the built-in RF chip of the mobile communication terminal can be inquired through the Internet, and also remote refilled. The present invention relates to credit inquiry, micropayment, and balance refill system using information on accident terminals.

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.

On the other hand, the other RF card including the above RF bus card has a very small volume and consists of an RF chip mounted in the plastic card base and a microantenna coil wound several times inside the circumference of the plastic card. If it is installed in a mobile communication terminal that has recently been distributed in individual units, it will not be necessary to carry a separate card.

An object of the present invention is to embed a non-contact RF chip in a mobile communication terminal, which contains a terminal unique number and enables the prepaid transaction in daily life using the terminal unique number, and the balance of the prepaid card is used whenever necessary. It is to provide credit inquiry, micropayment and balance refill system using accident terminal information that can be inquired and refilled through.

Another object of the present invention is to provide a credit inquiry and micropayment system using accident terminal information that permits unauthorized micropayment by inquiring unique number information of the RF communication chip embedded communication terminal into the accident terminal information.

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

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

※ 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: Member DB

16,24: accident terminal 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: bank system server

The present invention for achieving the above object is an RF chip reader for micropayment of merchants by embedding an RF chip for the RF card having a terminal unique number and an antenna coil for driving and data interface of the RF chip inside the portable communication terminal. When accessing the mobile communication terminal to the terminal, the terminal unique number recorded on the RF chip is read by the RF chip reader in a non-contact manner to enable the inquiry and unauthorized payment of the accident terminal online, and also access the web server through the wireless Internet to access the mobile phone. It is characterized by enabling the inquiry and refilling of the balance of the RF chip unique number of the communication terminal.

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 terminal 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 terminal unique number stored in the chip in a non-contact manner, and has the RF chip reader, and if the terminal terminal number received in the RF chip reader is inquired through the Internet to check whether or not the terminal is successful, The member computer 12 for performing a credit transaction and issuing the transaction history and the billing statement, and the member information and the balance information of the linked account of the member by the RF chip recorded terminal unique number unit embedded in the mobile communication terminal. Member DB (15) is to provide a communication service to the mobile communication terminal and accident accident terminal information, such as theft, lost, overdue contained in the accident terminal DB (24) Mobile communication service system server 20 and the mobile communication service system to update receive accident information terminal and a recovery information from the server terminal unique number accident terminal DB (16) for managing a unit that is; If there is a request for checking balance information for each device's unique number from a member connected through the Internet, the balance information contained in the member DB is provided through the Internet, and if there is a request for inquiry of an accident terminal for a specific device's unique number from the merchant computer, the corresponding terminal A web server 14 for querying the accident terminal DB of the unique number to provide normal information to the affiliated computer through the Internet, and to process transaction details and billing information for each terminal unique number issued from the affiliated computer; The bank account management system 18 receives the billing payment approval information from the web server and transfers the billing payment to the bank account opened by the merchant through the bank server 23.

In addition, the present invention system is connected to the wireless Internet access service system 21 to support the wireless Internet access of the mobile communication terminal, and the Internet banking system to refill the balance in a specific terminal unique number by the member (22) allow the refill amount to be transferred to the linked account for each member's terminal unique number, and the remittance information is processed by the web server 14 through the bank account management system 18 to display the balance amount information in the member DB 15. You can add additional refill components to be updated with.

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.

Particularly, the memory of the RF chip embedded in the mobile communication terminal allows the purchaser of the mobile communication terminal to input (register) a specific unique number once through the key input means of the terminal in the preset mode for registering the terminal unique number. It can be designed as a PROM. Also, the memory of this RF chip can be designed as EPROM or EEPROM to allow arbitrary change of specific terminal unique number. The terminal unique number information registered in the RF chip of the mobile communication terminal is registered and used by the owner of the mobile communication terminal with the system manager including the web server 14 and the member DB 15.

The terminal unique number information of the RF chip is determined in advance by the manufacturer of the mobile communication terminal, and the owner of the mobile communication terminal registers and uses the system manager including the web server 14 and the member DB 15 using the input information. It can be done.

The terminal unique number information mentioned above may use the phone number of the corresponding mobile communication terminal as it is.

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 terminal unique number information. Accordingly, the terminal 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 terminal 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 managed by a system manager's web server through the affiliated computer 12 connected to the Internet 13. 14) is sent to the accident terminal inquiry information.

The web server 14 compares the terminal unique number that requested the inquiry to the bad transaction terminal unique number such as lost, stolen or overdue, which is updated and registered in the accident terminal DB 16 when there is an inquiry of the accident terminal from the affiliate computer. After determining whether to approve the transaction, the information is transmitted to the affiliate computer 12.

The merchant computer 12 executes the transaction in an unauthorized manner if there is no abnormality of the terminal's unique terminal inquiry result contained in the mobile communication terminal 10 of the user, issues a slip for the corresponding settlement amount, and issues a web server through the Internet ( 14) and bill for 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 ) Remit the charge to the bank account where the merchant registered in advance.

The bank account management system 18 retains a designated account for each terminal's unique number, and withdraws the payment amount from the designated account linked to the terminal's unique number as much as the amount of the charge when executing the claim according to the payment request from the merchant. do. The balance information of the corresponding terminal unique number after the payment is withdrawn according to the use of the card is updated and stored in the member DB 15 through the web server 14.

On the other hand, the owner of the RF chip embedded mobile communication terminal 10 is connected to the web server 14 of the system manager via the mobile communication network 19 and the Internet 13, the account associated with the card unique number registered in the RF chip You can see how much your balance is.

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 a terminal 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 member DB 15 and delivers the balance information to the portable communication terminal 10 side.

On the other hand, when the balance inquiry result through the wireless Internet needs to refill the balance stored in the unique terminal number for each member of the member DB (15), the user of the mobile communication terminal (10) through the wireless Internet access service system 21 through the Internet banking Attempt to increase the balance of the 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 linked to the terminal unique number Send money to the designated account number. When the refill fund transfer for the specific terminal 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 terminal number, the balance history for a specific terminal unique number in the 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 inadvertent damage of the owner of the mobile communication terminal, which will be caused by the loss of the terminal and missed publication.

In the above description of the present system, when the balance inquiry and the balance refilling of the terminal unique number are described, it is limited to using the mobile communication terminal 10 in which the RF chip of the corresponding unique number is used. The ARS can be designed to enable balance inquiry and balance refilling for a specific terminal unique number even through ARS using a general telephone.

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 terminal unique number of the RF chip embedded in the mobile communication terminal anytime and anywhere through the Internet, and if necessary, has a unique effect of refilling the desired amount through Internet banking, etc. 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 terminal unique number is shown.

In addition, the present invention enables payment to be executed immediately after the occurrence of sales at the merchant, thereby reducing the financial cost of prolonging the payback period of the merchant (about 3 to 7 days).

Claims (3)

A mobile communication terminal (10) having an RF chip for an RF card having a terminal unique number and an antenna coil for driving and data interface of the RF card; An RF chip reader 11 for reading a terminal unique number recorded in the RF chip in the portable communication terminal in a non-contact manner; An affiliated computer (12) having the RF chip reader and executing a prepaid transaction after inquiring a terminal unique number received by the RF chip reader from an accident terminal DB of a system administrator through the Internet; A member DB 15 for updating the member information and the balance information of the linked account of the member in units of unique RF chip recording terminals embedded in the mobile communication terminal; A mobile communication service system server 20 having an accident terminal DB 24 that provides a communication service to the portable communication terminal and stores accident terminal information such as theft, loss, or delinquency; An accident terminal DB 16 receiving and updating the accident terminal information and its recovery information from the portable communication service system server and managing the terminal in a unique number unit; If there is a request to check the balance information for each terminal's unique number from the member connected through the Internet, the balance information contained in the member DB is provided through the Internet.When the balance is refilled by the member, the corresponding deposit information is received and the balance amount information is received in the member DB. If there is a request for confirmation of an accident terminal for a unique terminal number of a specific terminal from the merchant computer side, the inquiry is made to the accident terminal DB and its normality is provided through the Internet, and transaction details for each terminal unique number issued from the merchant computer And a web server 14 for processing billing information; Receiving payment authorization information from the web server and sending the payment to the bank account opened by the merchant side, receiving the refill amount transfer information to the connected account by the terminal unique number of the member through the Internet banking system 22 Bank account management system 18 for transferring the deposit information to the web server; Credit inquiry, micropayment and balance refill system using accident terminal information comprising a. 2. The terminal of claim 1, wherein the web server 14 is designed to allow input by a user computer or ARS phone connected to the Internet when the balance is inquired and the balance is refilled. Credit inquiry, micropayment and balance refill system. The system of claim 1, wherein the terminal unique number recorded on the RF chip is a telephone number of the mobile communication terminal.