KR20010045180A - Data management method using a picture-cellular phone with a card function and thereof system - Google Patents

Abstract

PURPOSE: An information processing system using a picture mobile phone having a card function and a method thereof are provided to facilitate keeping and provide convenience in use by integrating functions of every card to a picture mobile phone, and prevent a different person s stealthy use of a card as well as preventing a damage of a card company by inputting a user s code and identifying the user with the user's information even through the picture mobile phone is lost. CONSTITUTION: A specific code of a user is inputted(S1). A picture mobile phone having a card function is connected to a reader(S2). A card company of a card desired to be used by the user is identified(S3). A terminal of a registered company and a server of the card company are connected to each other(S4). The user is identified by comparing the information transmitted through the picture mobile phone with the information of the user inputted to the server of the card company. The information of the identified user is outputted(S6). A payment code is inputted to settle the bill to be paid by the user(S7). The settlement is checked and its result is outputted(S8).

Description

TECHNICAL MANAGEMENT METHOD USING A PICTURE-CELLULAR PHONE WITH A CARD FUNCTION AND THEREOF SYSTEM

The present invention relates to a method for performing a function such as a credit card, bus card, subway card and medical insurance card using a video mobile phone, in particular, the user pays the information stored in the server of each card company by the program of the main server The present invention relates to an information processing method and a system using an image mobile phone, which can be provided to a terminal of a company to be provided and that can also process matters related to payment of a user sent from each terminal.

In general, in the case of using a credit card, the card company connects a terminal provided to each company by telephone, and then recognizes the card in the terminal and pays the price.

In recent years, a card having a function of using transportation means in addition to a general function of a credit card by inserting an IC chip into a card has emerged. Also, as the spread of computers becomes more common, electronic cash and the like appear, You can pay by direct debit from a credit card or bank account through a mail order.

The credit card used in the past is used by granting a card to a person with a certain credit status, using it within a certain limit, and then charging a fee. The amount of money has to be recharged and used, and in the use of electronic cash, a certain amount of money has been paid and used.

However, the user must carry such various cards, and the burden of memorizing each user code and password is required. In addition, the user's card is small in size, which is likely to be lost, and if it is lost, damage caused by delayed loss confirmation (that is, by someone else who uses the card, or by a stolen person, There is a great risk of damage).

In addition, the card used in the prior art does not have a method of verifying the identity of the user because the illegal use of the user's card because there is no preventive measures for the user or the card company is unpredictable damage.

Accordingly, the present invention relates to a method for performing a function such as a credit card, bus card, subway card and medical insurance card using a video mobile phone, and in particular, the information (including image information) of the user registered in each card company It can be displayed on the video mobile phone directly through the video mobile phone used by the user or sent to the terminal of the company to make a payment. The user's information is compared with the user's information stored in the video mobile phone. The present invention relates to an information processing method and a system using a video mobile phone having a card function for verifying the identity of the card to prevent the theft of the card, and for processing matters related to the user's payment from each terminal. .

The present invention provides a method for making a payment with a card, comprising: inputting a unique code of a user; Connecting a video mobile phone having a function of a card to a reader; Identifying a card company to be used by the user; Connecting the terminal of the registered company and the server of the card company; Comparing the information of the user input to the server of the card company with the information transmitted through the video mobile phone to identify the user; Outputting the confirmed user information; Inputting a payment code to pay the user's payment; An information processing method using a video telephone having a card function, comprising the step of confirming the payment and outputting the result thereof, and also in a computer-readable recording medium having recorded thereon a program for executing the method.

And also, the server of the card company to perform this method; A main server mediating the server and the terminal of each card company; A video mobile phone having a card function; And a terminal equipped with a reader having a code for connecting the video mobile phone, wherein the server and the terminal of the card company are connected to the main server by a line for communication. Configure the treatment system.

1 is a schematic diagram of a system for performing a method according to the invention,

2 is a flow chart for carrying out the method of the present invention.

* Description of the main parts of the drawings *

100 ... Main Server 101 ... Card Company's Server

102 ... Line 200 ... Video Cell Phone

300 ... Terminal (Card Reader) 301 ... Reader

302 ... patch cord

S1 ... code input step S2 ... reader connection step

S3 ... Confirmation step of using card company S4 ... Access step to card company server

S5 ... user confirmation step S6 ... user information output step

S7 ... payment code input step S8 ... payment confirmation and result output step

The present invention has a basic system as in FIG. 1 to perform an information processing method using a video cellular phone having a card function. First, there is a main server 100 capable of integrating the server 101 of each card company, and the server 101 of each card company is connected to each other with the main server 100 by a line 102 for communication. In addition, the main server 100 is connected to the line 102 for communication with the terminal 300 of the registered company to perform the method according to the present invention.

In the main server 100 and the server 101 of each card company, a program for performing the method of the present invention is input, respectively, and the necessary information can be exchanged with each other by this program, and if necessary, the main server 100 ) Is separately connected to the server 101 of each card company, so that the information between each card company may not leak each other. This may be controlled by existing programs or may be controlled by a physical device.

And the registered company's terminal 300 can be used to install the reader 301 used in the method according to the present invention in the existing terminal 300 as shown in Figure 1 or the reader 301 is built-in It may be a new terminal.

On one side of the reader 301, a connection code 302 is connected to connect to a video mobile phone 200 having a chip capable of performing the method according to the present invention, and is connected to the video mobile phone 200. When the code 302 is connected, the reader 301 can read information on a chip mounted inside the video mobile phone 200 and also transmit the read information to the main server 100 through the terminal 300. Can be.

The video mobile phone 200 has information registered in the card company (such as image information for identifying the user's identity) and has means for performing a card function. Means for performing such a card function include switching mode means for performing a function such as a credit card, transportation card or medical insurance card, and means such as an IC circuit capable of performing the function by such switching mode means.

If the card registered in the image mobile phone 200 is a card of a family unit, information of a family may be input and used. These features may vary slightly depending on how each card company does business.

The present invention having such a system is carried out by the following method.

This method is described with reference to the flowchart shown in FIG. 2, which is just one of the most suitable embodiments of the method according to the invention and is not limited by the following description.

First, the most suitable method for carrying out the present invention is a code input step (S1); Reader connection step (S2); Checking the use card company step (S3); Card company server access step (S4); User confirmation step (S5); Outputting user information (S6); Payment code input step (S7); It has a payment confirmation and result output step (S8).

This method involves first of all a video mobile phone 200 having a function of a card for the purpose of paying for the purchase of goods at a registered company (merchant) or for other uses (for example, for riding or medical treatment). Enter the code in).

This code input step (S1) is a step for switching the mode of selecting a card according to the use purpose and selecting a type of card for payment and inputting a password corresponding thereto, wherein the card to be used is a family unit. If you want to use the card of the family in advance to enter the information of the family on the video mobile phone 200, the user can enter his code on his video mobile phone 200 can be used.

After the code is input to the video mobile phone 200, the phone 200 is connected to the access code 302 connected to the reader 301 of the terminal 300 of the registered company. This reader connection step (S2) is a step for transmitting the card information input to the video mobile phone 200 to pay the bill, as shown in Figure 1 here, using the access code 302, the video mobile phone 200 ), But it can be connected by using IC circuit or using a function such as barcode to use for other purposes such as transportation card. In addition, the reader connection step (S2) may be performed before the input step (S1) for the convenience of the code user or functional convenience.

After the video mobile phone 200 is connected to the reader 301 as described above, the reader 301 reads the code selected by the user in the code input step S1 by the operator of the terminal 300 operator and the video mobile phone. Check the card company to be used by the user from (200). In the use card company checking step (S3) as described above, the main server 100 reads the information of the card company contracted with the user, which is input to the video mobile phone 200 through the reader 301, and interlocks with the server 101 of the card company. Will send a signal.

In response to the signal, the main server 100 drives a means for connecting the terminal 300 of the registered company and the card company contracted with the user, thereby linking each other. The means for linking the terminal 300 and the server 101 of the card company in the card company server connection step S4 may be performed by a program or by a mechanical (including electronic device) device. In addition, the program and the mechanism may be performed in combination.

When the terminal 300 of the registered company is connected to the server 101 of the card company in this way, the server 101 of the card company compares the information of the user sent from the terminal 300 through the program with the information of the card company. Check if it is. At this time, if the user using the video cell phone 200 having the function of the card is not a normal user or if the user is not confirmed, an error message is sent to proceed again from the code input step S1. This is only an example of the present invention, and the user may input the code again without separating the video mobile phone 200 from the reader 301 for the convenience of the user. When the information of the user, which is input to the server 101 of the card company and the information of the user transmitted through the terminal 300, the signal is sent to the next step.

In response to the signal, the server 101 of the card company sends the user's information to the terminal 300 of the registered company through the main server 100 and outputs the user's information through the terminal 300 or the video mobile phone 200. do. At this time, the user's information is provided with only the brief information (such as the user's photo) so that the user registered with the card company can check whether the user registered with the card company is the same person. Do not. This is to prevent the leakage of the user's personal information.

By doing so, the registrar can verify that the person currently using the service is a legitimate user, thereby preventing others from using the card to prevent damage or crime. After confirming whether the user is a legitimate user in the user information output step (S6), the operator of the terminal 300 of the registered company inputs a code to the terminal 300 for payment, and enters the main server ( The signal is sent to the server 101 of the card company through 100).

By the payment code input step S7 as described above, the card company's server 101 checks the payment price, processes the payment, records the result, and sends the output to the terminal 300 of the registered company. When the payment is completed by the payment confirmation and result output step (S8) as described above is terminated.

In this way, several other functions can be integrated into one. For example, functions such as medical insurance can be performed, and in the case of a family card, each user code can be used differently.

According to the present invention, functions such as credit cards, transportation cards, and other medical insurance cards can be performed without using each card.

In addition, according to the present invention, all the functions of the card are integrated into one video mobile phone, so that it is easy to store and convenient to use.

In addition, the security function that was difficult to perform in the existing card, that is, even if you lose the video phone, you must enter the user's code, and also the user's information is provided when using the user can verify the user to prevent theft It is possible to prevent damage to the credit card company.

Claims (6)

In the method for paying with a card, Inputting a unique code of a user (S1); Connecting the image mobile phone 200 having the function of a card to a reader (S2); Identifying a card company to be used by the user (S3); Connecting the terminal 300 of the registered company and the server 101 of the card company (S4); Comparing the information of the user input to the server 101 of the card company through the information transmitted through the video mobile phone 200 to identify the user (S5); Outputting the confirmed user information (S6); Inputting a payment code (S7) to pay a price to be paid by the user; And a step (S8) of confirming the payment and outputting a result thereof. The method of claim 1, The video mobile phone 200 is pre-input of information (such as image information for identifying the user's identity) registered with the card company, and processes various functions such as credit cards, transportation cards or health insurance cards of individual or family units. Information processing method using a video mobile phone, comprising means for performing a switching mode. In the system for paying with a card, Server 101 of the card company; A main server 100 which relays the server 101 and the terminal 300 of each card company; A video cellular phone 200 having a card function; And a terminal 300 equipped with a reader 301 having a code 302 for connecting the video mobile phone 200, wherein the server 101 of the card company and the terminal 300 have a line for communication ( Information processing system using an image mobile phone having a card function that is connected to the main server 100 by 102. The method of claim 3, wherein The video mobile phone 200 is pre-input of information (such as image information for identifying the user's identity) registered with the card company, and processes various functions such as credit cards, transportation cards or health insurance cards of individual or family units. And an information processing system comprising means for performing a switching mode. In the method for paying with a card, Inputting a unique code of a user (S1); Connecting the image mobile phone 200 having the function of a card to a reader (S2); Identifying a card company to be used by the user (S3); Connecting the terminal 300 of the registered company and the server 101 of the card company (S4); Comparing the information of the user input to the server 101 of the card company through the information transmitted through the video mobile phone 200 to identify the user (S5); Outputting the confirmed user information (S6); Inputting a payment code (S7) to pay a price to be paid by the user; A computer-readable recording medium having recorded thereon a program for executing the step of checking the payment and outputting the result accordingly. The method of claim 5, The video mobile phone 200 is pre-input of information (such as image information for identifying the user's identity) registered with the card company, and processes various functions such as credit cards, transportation cards or health insurance cards of individual or family units. Computer-readable recording medium comprising means for performing a transition mode for the purpose of operation.