KR20000037204A - A charge system of small sum buying and a communication fee using mobile apparatus having a RF chip - Google Patents

Abstract

PURPOSE: An integrated charging system of small price purchasing fee and communication fee using a radio recognition chip self-contained portable communication terminal is provided to make an adjustment by summing up service charges of a portable communication terminal with a small price purchasing fee, based on the terminal intrinsic number. CONSTITUTION: A portable phone(10) contains a radio recognition RF chip having an intrinsic number and an antenna coil. An RF chip reader(11) reads the intrinsic number recorded in the RF chip in noncontact method. A terminal number DB(16) stores service usage information by the terminal intrinsic number. An accident terminal DB(17) has accident terminal information for burglary, loss, delay, etc. A web server(15) having the terminal number DB(16) and the accident terminal DB(17) requests member store usage charges to a portable communication service system server(20).

Description

A charge system of small sum buying and a communication fee using mobile apparatus having a RF chip}

The present invention embeds a non-contact RF chip in a mobile communication terminal, assigns a terminal unique number to it, approves a small credit transaction based on the terminal unique number, and the payment for the transaction amount is added to the usage fee of the mobile communication terminal. Small purchase fee using the wireless recognition chip built-in mobile communication terminal that separates only the small credit purchase amount, excluding the communication fee, from the total amount collected and collected and collects the payment for the small use to the merchant's deposit account. The present invention relates to a communication fee integrated collection system.

Recently, the transportation card payment method is increasing in proportion to the transportation fee due to the proliferation of bus cards and prepaid subway cards.

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

To use a transportation card, which is typical of a prepaid card, you must first purchase a transportation card at a sales office. The first purchase of a transportation card is usually filled with a certain amount of money, so you can use public transportation. If you have spent all the money on the card, or you want to replenish it, you must pay a certain amount of cash to the charging station. The amount information corresponding to can be accumulated in the transportation card.

The transportation card as a prepaid card is mounted inside the transportation card when the holder approaches the card reader (RF reader) installed at the entrance of the bus while riding the bus within a specified distance (usually about 10 cm). The induced coil is generated in the antenna coil under the influence of the electromagnetic field radiated from the card terminal, and the induced voltage is rectified and supplied as an operating voltage to the IC chip inside the traffic card.

When the IC chip inside the traffic card is activated, the amount information stored in the memory inside the IC chip is transmitted to the card terminal through the antenna coil inside the traffic card, and the card terminal is charged in the IC chip of the traffic card. It accepts the amount information and determines whether the current amount information is equal to or larger than the amount corresponding to the fare of the corresponding round.

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

The transportation fee collection information accumulated at the card terminal installed at the entrance of transportation such as a bus is collected and settled by individual bus units in the ride information collection and settlement system, and then paid to the transportation card issuer who manages multiple charging stations. You will be charged for the sales and you will be charged the amount.

Such a transportation card system frees passengers from the problem of change of cash, or the purchase and retention of tokens (or tokens), and the burden of management such as tokens and tokens on bus operators. It will reduce time and economic benefits.

However, the existing transportation card system is inconvenient to go to the charging station (usually also a sales office) in order to supplement the bus card amount information. Therefore, there may be considerable difficulty in charging the amount of information on the transportation card except in the city center where the charging stations are concentrated.

In addition, the balance information remaining on the transportation card cannot be known other than at the time of charging the fare by directly getting on the bus or charging the transportation card. Therefore, it is frequently the case that a traffic card holder is required to pay cash for the bus fare or get off as it is because there is not enough balance accumulated on his card. Therefore, the user using the transportation card is burdened to always remember the balance information amount information at the time of using the last bus that represents the amount information stored on the card.

On the other hand, many people in social life possess a post-payment credit card and a debit card in which payment is used immediately, in addition to the prepaid transportation card described above. Since the credit card is billed to the cardholder for monthly use of the card charge for a certain period of time, the cardholder prefers to use the credit card. Debit cards are suitable for micropayments, but they are still reluctant to use them for micropayments. Also, from the point of view of card users, debit cards are activated because of the inconvenience of having to use credit and debit cards separately for each use. Is not made.

In reality, micropayments using credit cards are not mature enough, and the card user has to carry a separate debit card. In spite of the fact, they must have cash for small payment.

An object of the present invention is to embed a non-contact radio recognition (RF) chip in a mobile communication terminal, assign a terminal unique number to it, and approve a small credit transaction based on the terminal unique number. It is a small purchase fee and a communication fee integrated collection system using a wireless communication chip built-in wireless communication terminal that enables quick and convenient micropayment in social life by adding the charges to the terminal and collecting and paying the bill. To provide.

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: bank system server

14: Bank account management system 15: Web server

16: terminal number DB 17, 21: accident terminal DB

18: UMS Server 19: Internet

20: mobile communication service system server

22: Integrated purchase and call charge management system

23: mobile communication network

The present invention for achieving the above object is a mobile communication terminal having a built-in RF chip for storing the unique number of the terminal and the antenna chip for driving the RF chip, and the unique recorded in the RF chip therein when the portable communication terminal is approaching RF chip reader that reads the number contactlessly, and terminal number read by the RF chip reader inquiries on accident terminal information provided on the Internet to decide whether to approve the transaction and to purchase a small item or service fee when the transaction is approved. A small credit purchase to a mobile computer service system server, a mobile communication service system server which charges and charges a mobile communication terminal subscriber's communication fee and a small purchase fee at a mobile communication terminal subscriber and charges the bill, and the mobile communication service system server side. Charge your credit through the account of the merchant bank that accepts the charge and his payment It includes a web server to pay with gold.

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

1 is a block diagram of a system of the present invention. As referred to herein, the present invention is a non-contact reading of a mobile communication terminal 10 having a wireless identification RF chip and antenna coil with a terminal unique number, and a terminal unique number contained in the RF chip in the mobile communication terminal. The RF chip reader 11 and the Internet 19 to access the terminal unique number received by the RF chip reader to the web server to check whether the accident terminal, and if there is no abnormality of the RF chip mounted on the mobile communication terminal A merchant computer 12 that charges a general small purchase price to a web server by a number, and receives a subscription using a terminal unique number unit included in an RF chip inside the portable communication terminal, and receives the usage information for each member's terminal unique number. To the terminal number DB 16 to store, the accident terminal DB 17 having accident terminal information such as theft, loss, delinquency, and the affiliated computer 12 connected through the Internet. The web server 15 having the terminal number DB 16 and the accident terminal DB 17, the accident terminal DB 21, and the purchase fee. And a call charge integrated management system 22, which charges the owner of the mobile communication terminal 10 by integrating a small purchase and a communication fee and pays the integrated bill to settle a bill for the merchant use fee. (20) and the bank account management system for receiving the payment amount of the merchant usage fee settled by the mobile communication service system server 20 and transferring the charges to the designated account of the merchant bank opening according to the payment approval of the web server. It consists of (14).

In addition, the web server 15 is coupled to the UMS server 18 for integrated messaging through the e-mail account registered at the time of registration or membership of the mobile communication terminal or the micro payment information using the unique terminal embedded in the mobile communication terminal to support the service It can be done.

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 on the RF chip of the portable communication terminal is provided when the owner of the portable communication terminal registers with the web server 15, and this information is stored for each member terminal unique number in the terminal number 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 accesses the web server 15 through the Internet or through another communication network to provide the unique number to the terminal number DB 16. You can register and use it. In some cases, the manufacturer of a mobile communication terminal sets a unique number for each terminal and provides the web terminal side with the predetermined terminal unique number so that the owner of the mobile communication terminal registers as a member of the system without a separate authentication process. Can be allowed.

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). This value (approximately 10 cm) can be adjusted by changing the system design specification, but it is determined in consideration of the reliability and stability of operation.

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 a web server of a system manager immediately through an affiliated computer 12 connected to the Internet 19. 15) is sent to the accident terminal inquiry information to the side.

If there is an accident terminal inquiry from the affiliated store, the web server 15 is updated in the accident terminal DB 17 and compares the terminal unique number that requested the inquiry to the terminal number of the bad trader registered such as lost, stolen or overdue. After determining whether the information is transmitted to the merchant computer 12 side.

The merchant computer 12 performs an immediate transaction by issuing a slip for a corresponding payment amount if there is no abnormality in the terminal's unique terminal inquiry result recorded in the user's mobile communication terminal 10, and issuing a slip on the web server 15 through the Internet. Connect and charge for sales.

When the web server 15 receives a request for payment from the affiliated computer computer 12 connected to the Internet 19, the web server 15 stores the usage value information in the account for each terminal unique number of the terminal number DB 16. Therefore, the owner of the RF chip-embedded portable communication terminal 10 accesses the web server 15 managing the system of the present invention through the Internet 19 and inputs a unique terminal number registered in the RF chip inside the terminal. The usage history recorded in the number DB 16 can be confirmed. Such usage history inquiry function is not an essential component in the present invention.

On the other hand, the web server 15 calculates the usage history for each member mobile communication terminal phone number registered in the terminal number DB 16 for a certain period of time, and charges an affiliate store fee to the mobile communication service system server 20 side. do.

In the mobile communication service system server 20, if there is a request for settlement of a small amount of payment approval for each period from the web server 15 side, the communication fee of the corresponding mobile communication terminal 10 used by the subscriber of the mobile communication terminal which is his customer is When the small amount of payment approval amount is summed, the integrated bill is charged to the subscriber of the mobile communication terminal 10, and when the integrated fee charged from the subscriber of the mobile communication terminal is deposited through the bank account, among the small payment through the merchant, Payment is transferred to the bank account management system 14 of the web server. This operation is executed in the purchase rate and call rate integrated management system 22 connected to the mobile communication service system server 20.

In this way, the small amount of payment for each merchant deposited in the bank account management system 14 is automatically settled through the bank account opened by the merchant side and registered on the web server 15 side of the present invention.

As a problem here, the merchant may not be able to make payments for one month, which is the period of payment for the use of the mobile communication terminal after the sale occurs. However, the payment to each affiliated party for such a small amount of payment is made immediately upon receiving a request for payment from the affiliated company so that the web server can operate the bank account management system to transfer the payment to the designated account of the affiliated store. Can be easily solved by settingtle the settlement when the small settlement settlement payment from the mobile communication service system server side is received.

On the other hand, the mobile communication service system server 20 updates the accident terminal information or recovery information of the accident terminal such as causing an overdue for theft, lost accident or usage fee by itself in the accident terminal DB 21 and separately. To manage. Since the database is transmitted to the web server 15 and updated and stored in the accident terminal DB 17, the credit of the user of the mobile communication terminal when making a micropayment request using the terminal unique number of the RF chip embedded in the mobile communication terminal. Will be authenticated.

In addition, the web server 15 may connect to the UMS server 18, which is an integrated messaging service device, and provide information on the micropayment usage information of the member to a mobile communication terminal or an e-mail account through an e-mail.

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 has an effect that can confirm the use history for the small amount of payment for the terminal unique number of the RF chip embedded in the mobile communication terminal when necessary.

Claims (2)

A portable communication terminal 10 having a wireless recognition RF chip and an antenna coil having a terminal unique number; 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; Access the terminal unique number received by the RF chip reader through the Internet (19) to the web server to check whether there is an accident terminal, if there is no abnormality, the general micro-purchase price with the unique number of the RF chip mounted on the mobile communication terminal A merchant computer 12 that bills the party; A terminal number DB (16) for receiving a member subscription in units of unique terminal numbers recorded in the RF chip inside the portable communication terminal and storing price usage information for each unique terminal's terminal number; Accident terminal DB 17 having accident terminal information such as theft, loss, overdue; A web server 15 which receives a usage fee from an affiliated computer 12 connected to the Internet and charges the affiliated store fee to a mobile communication service system server and has the terminal number DB 16 and the accident terminal DB 17; Accidental terminal DB (21) and purchase rate and call charge integrated management system (22) and the owner of the mobile communication terminal (10) by integrating small purchases and communication charges and billing the integrated billing charges billing merchant use fee A mobile communication service system server 20 for calculating an amount; A bank account management system 14 for receiving the payment amount of the merchant usage fee settled by the mobile communication service system server 20 and transferring the billing fee to a designated account of the merchant bank opening according to the payment approval of the web server; Small purchase fee and communication charge integrated collection system using a wireless communication chip built-in wireless communication terminal, characterized in that it comprises a. The system of claim 1, wherein the terminal unique number recorded on the RF chip is a telephone number of the portable communication terminal.