KR20010028755A - The radio frequency card system for certification and payment - Google Patents

Abstract

PURPOSE: A RF card system for payment capable of an identification card is provided to increase convenience of a user, and to prevent a theft by combining a confirmation function of the user's identity with a payment function. CONSTITUTION: If a RF card(10) is entered in a predetermined sensing area, a RF terminal(12) reads information stored in the card. An indication unit(12a), an input unit(12b) and an alarm unit(12c) connected to the RF terminal are set up. The RF terminal is connected through a serial communication cable, and equipped with a computer(14) which grasps a breakdown of transaction and personal information of the user. A RF card charger(16) is connected to the computer(14) through the serial communication cable. A bank server relevant to the user(18) is connected to the computer(14) through a leased-line.

Description

THE RADIO FREQUENCY CARD SYSTEM FOR CERTIFICATION AND PAYMENT}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card system, and more particularly, to an ID card combined payment RF card system for use as a payment means.

Recently, thanks to the rapid development of the electronic and computer industries, RF cards using Radio Frequency (hereinafter, abbreviated as RF) have been developed and used as a means of payment for public transportation.

The payment system using the RF card includes a card reader that reads an RF card, and a main server connected to the card reader by wire to transmit and receive predetermined data with the card reader.

The conventional RF card payment system described above allows a user to pre-fill a predetermined amount in advance, and automatically deduct the amount used, and describes the publication No. 92-20348 in Korean Patent Publication. .

As disclosed in the patent publication, a transport gate target means having a winding and a means for providing a continuous RF signal to the winding, and a freight data stored in a memory and a winding movable over the target winding forming the instantaneous transformer connection circuit. And a processor means for transmitting the fare data from the fare card to an impedance modulation of the transformer connection circuit, the target being responsive to impedance modulation of the transformer connection circuit for demodulating the fare card data. A spaced fare card processing system with detection means is claimed in the claims.

Here, the pair card is also called an RF card, which is a term derived while using a radio frequency in data communication with the card reader.

When the fare card processing system is applied to public transportation, delays in boarding time are eliminated due to rapid fare payment even in rush hours such as rush hour, etc. There will be no.

However, the conventional RF card payment system as described above has the following problems.

First, the conventional RF card payment system was developed to automatically pay the fare, so it is unreasonable to use it as an ordinary payment means.

In other words, although it is suitable to process a uniform amount of money such as a fare of public transportation at a high speed, it is impossible to settle various goods or services. Of course, after inputting the amount with an input means such as a keyboard attached to the system, the RF card may be contacted and settled, but a security method such as a password for preventing theft is not considered at all.

Second, the recent card payment system has been integrated for the convenience of the user, the above-mentioned RF card payment system has a limit to an independent payment means.

The present invention has the basis of recognition that if it serves as an identification means for payment convenience of RF card, it will keep pace with the recent trend of the information society and become a more advanced payment means.

An object of the present invention for overcoming the above problems is to provide an identification and payment RF card system with a payment function, as well as verify the identity of the user.

Figure 1 is a block diagram showing the configuration of an RF card system for combined payment according to the present invention.

Figure 2 is a perspective view showing the appearance of the RF terminal when the RF card system according to the present invention is applied to a restaurant.

Figure 3 is a perspective view showing the appearance of the RF terminal when the RF card system according to the present invention is applied to a stand.

Figure 4 is a block diagram showing the configuration including an RF terminal when the RF card system according to the present invention is applied to a library.

Figure 5 is a front view showing the front of the RF card of the RF card system according to the present invention.

Figure 6 is a rear view showing the back of the RF card of the RF card system according to the present invention.

* Description of the symbols for the main parts of the drawings *

10: RF card 12: RF terminal

12a: display unit 12b: input unit

12c: alarm unit 14: computer

15: card issuer 16: charger

18: Bank server

Features of the present invention for achieving the above object is that the user's photo and personal information is embossed on the front, the user's account number is stored in the internal memory, the back is provided with a magnetic strip and a barcode, wirelessly from the outside An RF card for reading the data of the stored storage means or recording predetermined data according to the induced voltage and the control signal; An RF terminal for providing a wireless induced voltage to the RF card when the RF card is within a detection area and generating a control signal for reading or writing data recorded in the RF card according to an external signal; A computer connected to the RF terminal via a serial communication cable to generate a signal for controlling the RF terminal, and to receive and process a data signal transmitted from the RF terminal; A bank server connected to the computer via a serial communication cable and transmitting and receiving the RF card user's account information; It is to provide an identification and payment RF card system including an RF card charger for charging the desired amount to the RF card within the balance remaining in the account of the RF card user provided by the bank server.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Figure 1 is a block diagram showing the configuration of the ID card and payment RF card system according to the present invention, the personal information and card number of the individual user is formed on the surface, the storage means for storing data of a predetermined capacity is built-in An RF card 10 is provided.

When the RF card 10 enters a predetermined sensing area, an RF terminal 12 for reading the information stored in the card is provided, and the display unit 12a and the input unit connected to the RF terminal 12 by wire. 12b) and an alarm unit 12c are provided.

In addition, the computer 14 is connected to the RF terminal 12 by a serial communication cable to identify transaction details and personal information of a card user, and to aggregate the information by period.

On the other hand, the computer 14, the RF card charger 16 for charging the desired amount to the RF card 10 is connected with a serial communication cable, and the bank server 16 of the user is also connected by a dedicated line, A predetermined data is transmitted and received using a protocol such as X.25.

Detailed functions and operations of the system having the configuration as described above will be described in more detail.

First, when the user approaches the RF card 14 near the RF terminal 12, that is, within the sensing area, the RF terminal 12 provides the RF card 14 with the wirelessly induced voltage. The data stored in the RF card 14 is read using this voltage, and a predetermined task according to the purpose is performed. In this case, the RF terminal 12 includes an RF terminal control board for generating a predetermined communication and control signal according to a signal transmitted to the outside, and an RF communication module for performing RF communication.

The LCD display unit 12a connected to the RF terminal 12 performs a function of displaying a current state of the RF terminal 12, and the LED display unit 12b displays a processing process, thereby allowing the user of the RF card 14 to be displayed. Performs a function that makes it visible.

In addition, the personnel display unit 12c performs a function of displaying the number of persons or quantities to be processed, and the data input unit 12d is a means for inputting predetermined data to the RF terminal 12. For example, a keypad can be entered when a complex number is entered, a keyboard when a number or letter is entered, or a few buttons when entering a single item such as a transportation fare.

On the other hand, the alarm device 12e is built in the RF terminal 12, and when it moves from a specific position, it is made to alarm using a siren etc.

The RF terminal 12 as described above will be described in more detail applied to a place such as a cafeteria.

2 is a perspective view showing an appearance of an RF terminal according to an exemplary embodiment of the present invention, in which a liquid crystal display 12a is positioned above the front surface, and a state display lamp 12b indicating an operation state is provided below. Below that, a plurality of buttons 12c for specifying the quantity are located, and at the lower portion, a card sensing pad 12d and a power button 12e are respectively provided.

The liquid crystal display 12a includes a thin film transistor type liquid crystal display device and a driving circuit thereof, and the state display lamp 12b includes power supply on, read OK, and read failure ( To indicate Read Failure, Write OK, Write OK, etc.

The button 12c is for selecting a quantity to be paid, and may be manufactured as a button indicating a quantity used frequently, for example, two bowls, three bowls, five bowls, or the like.

The card detection pad 12d is for detecting whether the RF card enters a predetermined area, and the user takes the RF card nearby to make a payment.

The power button 12e is a button for turning on or off the power to the RF terminal.

The above-described RF terminal 120 is installed near the entrance of the cafeteria or near the food waiting window waiting in line, and the input unit for inputting predetermined data and a display unit 12a for allowing the user or administrator to know the processing status. 12b and an alarm unit 12c for detecting whether the RF terminal 120 vibrates and outputting an alarm signal for preventing theft.

The RF card system according to the present invention is also applied to the shop, the configuration of the RF terminal at this time is as follows.

3 shows the appearance of an RF terminal when the RF card system according to the present invention is applied to a shop, the RF terminal 12 displays a liquid crystal display 12a showing various functions and processing states, and a current operating state. Each of the plurality of status display lamps 12b is provided. In addition, the lower right side is provided with a sensing plate 12d for detecting and performing a communication function when the RF card approaches a predetermined area, and a keypad 12f for inputting a processing amount at the lower left.

A power button 12e for turning on or off the power of the RF terminal 12 is provided at the bottom.

The RF card system according to the present invention can also be used for the purpose of managing the access of the user, such as a library, the RF terminal in this case has the following form.

Figure 4 shows the appearance when the RF terminal according to the present invention is applied to the library, the first entrance 120 arranged in the longitudinal direction and the second entrance horizontally arranged with the first entrance 120 122 is provided. In this case, a first RF detection plate 124 for detecting an RF card is mounted on the first entrance 120, and a second RF detection plate 126 is also mounted on the second entrance 122. .

In addition, the fence 130 is provided in the direction perpendicular to the first and second entrances 120 and 122, and the first entrance 120 is a computer 14 and a serial communication cable Is connected.

Therefore, when the user of the RF card enters the RF card on the first RF sensing plate 124 to provide information that he / she enters the library, and when the user exits, the RF card is placed on the second RF sensing plate 126. Provide information that you are leaving the library.

The library access information of the user is collected in a computer 14 connected by a serial communication cable, and how many users are present in the library, and how many users use the library for a day or a month is also made into a database.

Such appearance of the RF card of the present invention will be described with reference to the accompanying drawings.

5 is a front view of the RF card according to the present invention, Figure 6 is a view showing the back of the RF card.

As shown in FIG. 5, the front portion of the RF card 10 includes a first area 10a indicating a group and affiliation, a second area 10b on which a picture of a user is printed, and a third area in which a social security number is written. 10c), the fourth area 10d in which the bank name is recorded, and the fifth area 10e in which the department in which the card is managed and the contact information are recorded.

As shown in FIG. 6, the rear portion of the RF card 10 includes a sixth region 10f on which a magnetic strip is formed, a seventh region 10g which is a space in which a user can record his signature, and cautions. It is divided into an eighth area 10h in which a guide phrase for informing a user is recorded, a ninth area 10j in which a bar code is recorded, and a tenth area 10i in which a bank name and an address are recorded.

Here, the fifth region 10e and the tenth region 10i are almost identical contents, but are duplicated on the front and the back of the card so that they can be found immediately if necessary. Therefore, duplicate content may be omitted if necessary.

On the other hand, the account number of the user is recorded in the storage means inside the RF card 10 as described above.

The detailed operation flow will be described in more detail by integrating the above-described configuration of the present invention.

First, Hong Gil-dong, an electronic engineering student at the Cultural University, receives an RF card at the same time as an admission through the card issuer, opens his bank account at the Cultural Bank, and deposits 30,000 won in the bank account. At this time, the issuer for issuing the RF card may use a general one.

Therefore, Hong Gil-dong will be able to use the school cafeteria, bookstore, canteen, library, etc. within the range of 30,000 won. At this time, since the library is used for free, money is not withdrawn from the account.

Hong Gil-dong is the beginning of the semester, so there are many books to go to the bookstore to buy books, but for today's lecture, "Introduction to Natural Science" must be bought, and the lecture is in the afternoon. What's more, you can stop by the stalls to buy notebooks and ballpoint pens.

Looking at the specific behavior of Hong Gil-dong, since the present invention can be described more clearly, looking at it as follows.

For reference, Culture University has a bank account book under the name of Culture University.

Stop by the bookstore, select the desired book, the bookstore owner enters the value of the book through the keypad of the RF terminal, and touch the Hong Gil-dong RF card near the sensing plate, the RF terminal induces a predetermined level of voltage with the RF card. Read the data recorded in the RF card by using the induced voltage, find out the card number, and transfer the input book value and card number to the computer. The computer sends the card number to the bank server, receives the balance of the account, determines whether the balance of the account is greater than or equal to the book value entered, and if the result is True, continues the transaction. Send a control signal to the RF terminal, and if the result value is False, an error message is sent.

If the result value is true, the RF terminal sends a signal to the bank server requesting approval for the amount corresponding to the book value through the computer. The bank server subtracts the book value from Hong Gil-dong's account, transmits a processing completion signal, and the computer receiving the processing completion signal transmits a confirmation signal confirming this, thereby ending the transaction with the bank server.

The RF terminal displays the book value and the balance after the transaction through the display unit, and then prints a receipt for the transaction, and the bookstore owner passes the receipt to Hong Gil-dong, thereby ending the transaction between Hong-gil-dong and the bookstore owner.

This processing flow is similarly applied to the case of a shop, and in the case of a restaurant, since the amount of money is uniform or there are only a few types, it is different from a keypad consisting of a plurality of buttons.

By the way, a password function in case of losing the RF card can be added, which will be described below.

First, when a user sets a password of a desired number, the password is recorded on the user's RF card, and at the same time, a password different from the password is generated using an encryption method, and the password is stored in a computer storage means. Make a note.

A separate input means is provided to allow a user to enter a registered password through such a process. In the case of a transaction, a user enters a password directly and makes a payment, and handles a uniform amount or quantity. In places such as cafeteria, the fingerprint input device may be substituted for the password input device.

In the case of a general product will be described in detail.

First, the user takes the RF card, selects a desired product at the store, and requests a calculation of the product, the store clerk or the owner reads the barcode attached to the product to calculate the total amount to be paid, and the RF card of the RF terminal Upon access to the sensing area, the computer connected to the RF terminal and the serial communication cable requests the bank server for approval of the total amount. The bank server checks the balance of the corresponding account of the RF card user, subtracts the total amount, and requests a confirmation from the computer. After sending the confirmation signal, the computer prints a receipt and ends the transaction.

By the way, since the RF card according to the present invention is printed on the front of the user, it is not necessary to install the password input device or the fingerprint reader in the general work where the security level may be low, but additionally used in places where the security level should be high. Do it.

On the other hand, in the above-described embodiment has been disclosed with respect to the student ID as an example of the identification card, the present invention is applied to any means that can prove the identity, such as resident registration card, license.

In the case of a license, for example, even when passing through the toll gate of the highway, it is possible to reduce the inconvenience of preparing the change using the RF card according to the present invention.

As described above, for example, the disclosed embodiments are intended to be described, and the central idea of the present invention integrates an ID card such as a student card, a license card, a social security card, and a payment means associated with a user's bank account in one card to create a synergy effect. It was to have. Thus, it will be apparent that there are many embodiments that have been modified from this, but it should be seen that the embodiments that have been inferred in analogy also fall within the claims set forth below.

According to a preferred embodiment of the embodiment according to the present invention as described above has the following advantages.

First, in the workplace, school, government offices, apartments, etc. to which the system according to the present invention is applied, theft can be prevented because it is not necessary to carry cash.

Second, it has the advantage of reducing the fees associated with the inconvenience of going to the bank or using the ATM.

Third, by having an identification card function, even if a card is lost, it is difficult for others to use.

Claims (6)

The user's photo and personal information are embossed on the front, and the user's account number is recorded on the internal storage means, and the magnetic strip and barcode are provided on the back, and according to the voltage and control signal wirelessly induced from the outside An RF card for reading data of the stored storage means or recording predetermined data; An RF terminal for providing a wireless induction voltage to the RF card when the RF card is within a detection area and generating a control signal for reading or writing data recorded in the RF card according to an external signal; A computer connected to the RF terminal via a serial communication cable to generate a signal for controlling the RF terminal, and to receive and process a data signal transmitted from the RF terminal; A bank server connected to the computer via a serial communication cable and transmitting and receiving the RF card user's account information; And an RF card charger for charging the RF card as much as a desired amount within the balance remaining in the account of the RF card user provided by the bank server. The method of claim 1, The RF terminal includes a liquid crystal display for displaying predetermined data processed by the user; A status display lamp indicating whether power is applied, whether the RF card is read successfully, and whether the RF card is successfully written; Input means for inputting an amount and a quantity according to a transaction; A sensing pad defining an area for sensing the RF card; RF card system for identification and payment, comprising the RF card and the RF control unit for controlling each device. The method of claim 2, The input means is an ID card and payment RF card system, characterized in that selected from among a plurality of buttons indicating a predetermined quantity. The method of claim 2, The status display lamp is an identification card and payment RF card system, characterized in that consisting of five monochrome LED. The method according to claim 1 or 2, The RF controller includes a microprocessor that performs a predetermined operation, a nonvolatile memory that retains data even when the power is turned off, and a volatile memory that improves a processing speed by reading data from the nonvolatile memory and transmitting the data to the microprocessor. And a serial communication control unit configured to control serial communication with the computer. The method of claim 1, The ID card is an ID card and payment RF card system, characterized in that selected from the group consisting of a resident registration card, a license card, a student card.