KR20000063847A - Ic card wireless mobile communication charging system - Google Patents

Abstract

PURPOSE: A system for wireless charging electronic currency is provided to charge the electronic currency by using phone banking or internet banking to transfer the bank account balance to the electronic currency through the radio paging telecommunications network. CONSTITUTION: A system for wireless charging electronic currency is composed of the steps of cooperation, withdrawal, and remittance. The system operator signs an agreement with a bank(105) and secures the cooperation of every system operation and service charges with the bank. A customer(101) purchases electronic wallets(111)(112) and signs a wireless electronic currency charge contract with the radio paging telecommunications network operator(106). The customer initiates phone banking by a cellular phone or a telephone or the internet banking through internet, a specified amount is withdrawn from the bank computation center's customer account and remitted to the radio paging telecommunications network operator's server(11), and the amount is automatically remitted to the appropriate customer's electronic currency(112) in the electronic wallet(111). The customer can use the electronic currency rather than using cash or credit cards when being offline.

Description

Electronic Money Wireless Filling System {IC CARD WIRELESS MOBILE COMMUNICATION CHARGING SYSTEM}

The technology to which the invention belongs is a technology related to a method of filling electronic money and security in the electronic money transmission process.

Electronic money is developed and used locally, including Belgian IC card, E-Cache for internet, IC card of Mondex, electronic check of electronic check, credit card (CYBER CASH), US VISA, etc. Company's Mondex card is currently recognized as an international electronic money, and in Korea, it is being used for limited test in COEX Mall in June 2000, and it is still making up for the shortage by filling by the filling machine (ATM). There is no place that uses the network as the electronic transmission path of electronic money. Moreover, the transmission of money using one-way wireless paging network is impossible to check the transmission such as transmission to the wrong place due to subscriber's mistake or wireless communication failure. It was not subject to review.

Electronic money has the confidentiality of data (loss of data, modulation), high processing performance (reliability of data transfer protocol, encryption of data, and prompt payment when electronic money is exchanged between IC CHIP), and sufficient storage capacity (currently 5 IC CARD which accepts national currency storage and transaction information encryption and transmission program.

If the electronic money is used in the ON and OFF LINE, and the balance is insufficient, the system is required to collect money by loading (transmitting) the money deposited by the bank to PHONE BANKING or INTERNET BANKING regardless of time and place. It should be convenient to use as a simple wallet-type portable terminal, and guarantees thorough reliability (prevention of data leakage, theft, loss, hacking, etc.) and low fee (hardware of 13 wireless paging networks nationwide for 18 years. Reliability and cost savings).

FIG. 1 is a schematic diagram of a wireless charging system for electronic money, which shows a system in which a customer transmits an IC card by bank deposit using a wireless paging network.

FIG. 2 is a flow chart showing the flow of the customer's bank account filling (money transfer) into the electronic money of the electronic wallet as PHONE BANKING.

3 is a detailed view of the electronic wallet.

The configuration and operation of the invention will be described by dividing into FIG. 1, FIG.

1 is a schematic diagram of a system for charging electronic money wirelessly, and in agreement with a banknote 105, a transaction customer is in a state of strategic alliance with various tasks and fees of the electronic money wireless charging system of the present invention.

The customer 101 purchases the electronic wallet 111 and 112 of the present invention, enters into a contract with the wireless calling network operator 106 for the use of the electronic money wireless filling system of the present invention, and concludes an agreement with the bank 105. If the customer 101 is a PHONE BANKING 107 to the bank 105 by the mobile phone 102 or the phone 103 or INTERNET BANKING 108 by the Internet 104, the customer of the bank computer center 109 ( 101) The electronic wallet 111 of the customer 101 is automatically withdrawn from the deposit account and transferred to the SERVER 11 of the wireless calling network operator 106 and automatically through the wireless calling network of the wireless calling network operator 106. Remittance is stored (filled) in the electronic money 112 in the system and can be used instead of cash or credit card in ONE, OFF LINE instead of credit card or cash. The electronic money filling machine 113 of the drawing is a concept such as an automatic teller machine connected to a bank computer network that can be charged by separating the electronic money 112 from the electronic wallet 111.

2 is a wireless charging SYSTEM FLOW CHART

The customer 201 is wirelessly called by private line from the self-deposit account deposited in the contracted bank 207 by PHONE BANKING 205 on the mobile phone 202 or the phone 203 or INTERNET BANKING 206 on the Internet 204. Remitted to the SERVER of the network operator 208 is charged 212 of the electronic money of the electronic wallet 210 through the wireless call network (209). At this time, the system is configured to be loaded (filled) only when it is confirmed that the customer 201 is based on the password 211.

With the electronic money filled with the electronic money wireless charging system of the present invention, customers can use the electronic money on ONE LINE, such as the Internet 213, or the OFF LINE, such as a mall or department store 214, instead of cash or credit card. The payment 216 can be made.

In the drawing, the electronic money card reader 215 refers to a terminal that can read the IC card (smart card, etc.) to inquire the card and pay the sales price, and the electronic money filler 217 is the same concept as a cash dispenser of a bank. It is an electronic money filling machine.

FIG. 3 is a detailed view of the electronic wallet, which is composed of a LOADER 301, an IC card 302, and a LOOP COIL 303 inside the wallet, and the IC CARD 302 is an induced electromotive force of the LOOP COIL 303 during loading. The power is supplied to the electronic circuit in the CARD and the electronic value is charged electronically.

LOADER 301 has built-in battery, MICRO COMPUTER, receiving circuit of wireless call communication network, etc., and displays window 304 necessary for remittance information and password, and left and right rotation to select numbers, letters, images, etc. for password (MICRO COMPUTER The value of the electronic money received is transferred to the IC CARD according to the two optional BUTTON PASSWORD methods.

(Refer to 3BUTTON PASSWORD SYSTEM of electronic wallet of patent applicant separately)

If the electronic money wireless charging system of the present invention combined with a wireless call network and electronic money becomes practical, the electronic money in the micro payment market of KRW 24 trillion will be able to fulfill its function and role as an electronic money on the ONE and OFF LINE. .

The wireless paging network has been constructed by importing a lot of equipment for 13 years from 13 operators in a wide area and a region. Pippi, which has been used up to now, is building a perfect communication network nationwide, and it is possible to rebuild the system in a short period of time as it can be recycled if only new software (S / W) is produced.

However, because of the one-way wireless calling method, the bank cannot confirm the transfer completion in the bank computer network when remittance (electronic money filling) through the wireless calling network. If you reconfigure the system with other passwords, you can use it as a combination) .It is not used for multiple purposes like a mobile phone.It is advantageous for security and customers can directly check their account directly by phone banking or internet banking. It is loaded by 3 BUTTON PASSWORD method only in the electronic wallet of the user. It is not loaded in the other wallet. If an error occurs, the deposit and withdrawal details are recorded in the IC card and electronic wallet so that you can inquire (inspect) and refill.

Therefore, the wireless paging network operator can re-use the existing system (hardware) that invested a lot of money to run a new business and export the system to foreign peers to secure foreign currency and contribute to the activation of the Internet. The Internet revolution is expected at home and abroad.

Claims (5)

Reconfigure the existing wireless paging network with electronic money wireless filling network and deposit the money deposited in the bank and connect it with bank computer network to wirelessly charge electronic money (electronic value transfer). How to charge electronic money Electronic wallet (wireless charging handset) and 3BUTTON PASSWORD SYSTEM SYSTEM for sharing the electronic money wireless charging of the present invention while performing the existing beep (wireless call) service with a wireless paging network The IC CARD of the electronic wallet (111,210) of the electronic wallet (111,210) using the wireless paging network (106,209) for the money deposited in the customer's account of the bank by PHONE BANKING (107,205) or INTERNET BANKING (108,206). Electronic money wireless charging system that can be used instead of cash or credit card. The method of claim 1 Electronic wallet with LOADER 301, IC CARD 302, and LOOP COIL 303 built in. The LOADER is equipped with a small battery to be used as a power source.It is controlled by MICRO COMPUTER PROGRAM, remittance information, and PASSWORD display window 304. Handheld terminal for wireless charging (electronic wallet), consisting of two buttons for selecting letters and numbers and two arrows button switch (305, 306) and set button (307) The method of claim 1 As the PASSWORD method of the electronic money wireless charging terminal 301, it is searched sequentially according to the program of MICRO COMPUTER (characters are automatically rotated from A to Z and numbers from 1 to 0). Difference ~ 3rd (letters, numbers and numbers can be adjusted as needed) PASSWORD is pre-arranged by wireless network operator and subscriber and stored in e-wallet, and automatically set by letters, numbers, etc., with 3 button switches and SET button operation 3BUTTON PASSWORD SYSTEM to verify your identity. The method of claim 1 SYSTEM that adds or doubles the electronic money wireless charging service of the present invention while performing a wireless call (aka beep) service