KR20010114048A - Method for settlement in portable telephone with RF IC chip - Google Patents

Abstract

The present invention provides a mobile phone in which a non-contact electronic chip is embedded, wherein a non-contact electronic chip in which a user charges a predetermined amount in a prepaid form to an operator server and receives various services provided by the operator server using the charged amount is embedded. It relates to a payment method of a mobile phone.

A feature of the present invention is that when a user transmits information for charging a certain amount to a mobile phone, the financial server inquires the user using the information, and if it is determined to be a normal user, charges the corresponding amount to the operator server. Is in point.

According to the present invention, by managing the charge amount in the operator server, even if the user loses a mobile phone with a built-in contactless electronic chip, the other person cannot use the charge amount, and the user uses another mobile phone. If registered on the operator server, the user can use the amount charged to the operator server, there is an advantage that the economic loss is prevented.

Description

Method for settlement in portable telephone with RF IC chip}

The present invention relates to a payment method of a mobile phone with a contactless electronic chip, and more particularly, in a mobile phone with a contactless electronic chip, a user charges a predetermined amount in a prepaid form to an operator server and charges the charged amount. The present invention relates to a payment method of a mobile phone in which a contactless electronic chip is built to receive various services provided by an operator server.

With the establishment of the information age, various kinds of cards have been diversified, and from simple recording media such as magnetic stripe cards to electronic cards with integrated IC chips (Integrated Circuit Chips) are now being provided.

That is, an electronic chip embedded electronic card ("Pass card") that can be used in a subway or a bus is classified into a contact card by a contact terminal, a chip, and an RF contactless card. Among them, the contactless card has a loop antenna and a contactless electronic chip (RF IC chip) embedded therein, and communicates with a card reader installed in a bus or subway, so that the fee is settled by a financial server.

That is, in this type of electronic card, after the user is first provided with the service, the fee information for the provided service and the unique identifier information of the electronic chip embedded in the electronic card are immediately or artificially transmitted to the financial server. After a certain period of time (payment date), the customer pays a post-pay method, or the user pays a certain amount at a charging station equipped with a charging device and charges the amount paid. This prepayment method is used to make a payment.

According to the conventional RF contactless card, the user is inconvenient to carry the card separately, there is a risk of losing the card, there is a problem in that the inconvenience to go to the charging station to charge the amount of money in the card.

In order to solve this problem, the present applicant has incorporated a non-contact electronic chip into a flip or folder of a mobile phone which a large number of users carry at all times, and the patent application No. 1999-24789 (filed date: 1999. 11 12) (name of the invention: a mobile phone with a contactless electronic chip).

In the conventional mobile phone with a contactless electronic chip, the contactless electronic chip embedded in the transportation card can be embedded in or attached to a flip or folder of the mobile phone, thereby preventing the loss of the transportation card and satisfying the purpose of using the card. There is an advantage that can be conveniently settled using the wireless communication method.

By the way, according to the conventional payment method of a mobile phone incorporating a contactless electronic chip, the following problem (s) occurs.

That is, in the case of the prepaid method, it is inconvenient because each time the balance is used up, the user has to pay after paying a certain amount at the charging station where the charging device is installed.

In addition, when the mobile phone is lost, the balance of the non-contact electronic chip cannot be recovered, and another person who has acquired the mobile phone can use the balance of the non-contact electronic chip, resulting in economical loss.

On the other hand, in the case of the postpay method, the financial institution or operator who issues the contactless electronic chip embedded in the mobile phone has to perform a credit check on the mobile phone user before shipping the mobile phone with the embedded electronic chip. Since the use of the electronic chip can only be permitted if it meets the criteria set by the financial institution or the operator, the diffusion effect of the mobile phone in which the electronic chip is embedded is reduced.

In addition, if the user loses the cellular phone, the financial institution or the operator must report that the cellular phone is lost so that others cannot use it.The financial institution retrieves the lost electronic chip ID and transmits the lost data to the card reader. Then, the card reader must go through a complicated series of procedures to control the use of the inappropriate electronic chip by taking a way to control the use of the electronic chip when the lost ID is close.

Accordingly, the present invention is to solve such a problem (s), the object of the present invention is to access the operator server using a mobile phone, after charging a certain amount of money to the operator server, the amount of money information charged to the operator server The present invention provides a payment method for a mobile phone in which a contactless electronic chip is built to receive various services provided by an operator server.

In addition, another object of the present invention is a contactless electronic chip that prevents a person who has acquired a mobile phone from illegally using a service using an amount charged in an electronic chip in the mobile phone even when a user loses the mobile phone. It is to provide a payment method of the built-in mobile phone.

1 is a conceptual diagram for explaining the configuration of a payment system applied to the present invention,

2 is a perspective view of a mobile phone incorporating a contactless electronic chip applied to the present invention,

3 is an operation flowchart showing a process of performing a payment method for a mobile phone with a contactless electronic chip according to the present invention,

4A to 4I are display state diagrams of the cellular phone according to the present invention.

<Description of the code | symbol about the principal part of drawing>

100: mobile phone 101: key pad

102: non-contact electronic chip 103: display unit

200: user 300: base station

400: financial server 500: operator server

A feature of the present invention for achieving such an object (s) is that a contactless electronic chip which charges an amount using a mobile phone having a built-in contactless electronic chip and uses a service provided by an operator server with the charged amount is provided. A payment method of a built-in mobile phone, comprising: a user selecting one of a pre-registered trading bank name using a mobile phone, inputting user information and a charge amount; Bank name, user information and charge amount information are transmitted to the financial server through the mobile phone; Inquiring that the financial server is a normal user by using the transaction bank name and the user information transmitted from the mobile phone; If the search result is a normal user, the recharge amount is charged to the operator server within the account balance of the trading bank designated by the user; The user authenticates the user through the identifier of the electronic chip in the card reader connected to communicate with the operator server as the user accesses the cellular phone in which the contactless electronic chip is embedded, and within the user's charge amount charged to the operator server. It is to allow the use of the service.

Here, the user information preferably includes account number information and password information of the trading bank selected by the user.

Hereinafter, exemplary embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a conceptual diagram for explaining the configuration of a payment system applied to the present invention, Figure 2 is a perspective view of a mobile phone embedded with a contactless electronic chip applied to the present invention, Figure 3 according to the present invention An operation flowchart showing a process of performing a payment method of a mobile phone with a contactless electronic chip therein is shown, and FIG. 4 is a display state diagram of the mobile phone applied to the present invention.

First, the configuration of the present invention will be described with reference to FIGS. 1 and 2.

1 and 2, when the user 200 having the mobile phone 100 operates the keypad 101 of the mobile phone 100 to select the electronic money charging function, the mobile phone 100 The signal transmitted from the) is transmitted to the financial period 400 through the base station 300, and as the financial institution 400 requests the money to be charged, the financial institution 400 operates by using the bank balance of the user 200. The server 500 is configured to charge the amount requested by the user 200.

Thus, the user 200 is configured to use the corresponding service (transportation equipment, goods purchase, infrastructure, etc.) provided by the operator server 500 using the personal information stored in the electronic chip 102 in the mobile phone 100. do.

In addition, the user 200 may visually confirm that the amount requested by the user 200 has been charged to the operator server 500 through the display unit 103 of the mobile phone 100.

Referring to Figures 3 and 4 with respect to the operation of the present invention having such a configuration as follows.

First, as shown in FIG. 4A, when the user 200 selects an electronic chip charging function from various menus of the mobile phone 100 (S1), the mobile phone 100 displays the registered bank name of the user 200. ) (See FIG. 4B), and as the user 200 selects one of the displayed bank names (S2), the mobile phone 100 displays the account number and personal information of the corresponding bank (for example, a social security number). And sequentially display windows for inputting the passphrase and the like (see FIGS. 4C to 4E).

When the user 200 enters the account number and personal information (S3), the mobile phone 100 displays a window for inputting the amount of money information to be charged (see FIG. 4F), and the user 200 charges it. If the amount is input (S4), the mobile phone 100 is connected to the financial server 400 through the base station 300 (S5).

When the financial server 400 is connected, the mobile phone 100 transmits the transaction bank name, the account number, and the personal information input by the user, and the financial server 400 transmits the corresponding user 200 by using the transmitted information. Inquire (S6). Here, if it is determined that the user is not a normal user (S7), the financial server 400 transmits information indicating that the user is not a normal user to the mobile phone 100, the mobile phone 100 from the financial server 400 A text message indicating that the charging function cannot be performed according to the transmitted information is displayed on the display unit 103 (S8) (see FIG. 4G).

If, as a result of inquiring in the above step (S6), it is determined that the normal user (200) (S7), the financial server 400, the money information transmitted from the mobile phone 100 and the balance of the transaction bank of the user 200 Comparing (S9), if the bank balance is less than the amount to be charged, the information indicating the lack of balance is transmitted to the mobile phone (100). Accordingly, the mobile phone 100 displays a text message indicating that the balance is insufficient in accordance with the information transmitted from the financial server 400 (S10) (see Fig. 4H).

If the bank balance is greater than the amount to be charged in step S9 above, the financial server 400 charges the operator server 500 by the corresponding amount (S11), and displays the information indicating that the charging is completed. Send to 100. Accordingly, the cellular phone 100 displays a text message indicating that charging is completed on the display unit 103 (S12) (see Fig. 4I).

As a result, in the present invention, when the user 200 accesses the financial server 400 using the mobile phone 100 and requests to charge a predetermined amount from the balance of the trading bank, the financial server 400 corresponds to the request of the user. By charging the amount to the operator server 500, when the user 200 approaches the card reader with a mobile phone (100) containing a contactless electronic chip, the card reader connected to communicate with the operator server 500 After confirming the user's charge amount through the user information stored in the electronic chip, and allowing the user to provide the desired service, even if the mobile phone is lost, another user charges at the request of the user 200 Cannot be used illegally.

As described above, although the specific embodiment (s) have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiment (s), but should be defined by the claims below and equivalents thereof.

As a result, according to the payment method of a mobile phone incorporating a contactless electronic chip according to the present invention, the following advantage (s) occurs.

That is, by taking a prepaid method, it is not necessary to check the user's credit in advance in the financial institution, it is easy to issue the electronic chip, thereby maximizing the diffusion effect.

In addition, by managing the charge amount in the operator server, even if the user loses a mobile phone with a built-in contactless electronic chip, other people can not use the charge amount, and the user is using the other mobile phone operator server If you register for, the user can use the money charged to the operator server, thereby avoiding economic losses.

Claims (2)

In the payment method of a mobile phone with a built-in contactless electronic chip which charges an amount using a mobile phone with a contactless electronic chip and uses the service provided by the operator server with the charged amount: Selecting a transaction bank name registered by the user using the mobile phone and inputting user information and a charge amount; Transmitting the transaction bank name, the user information, and the recharge amount information to a financial server through the mobile phone; Inquiring that the financial server is a normal user using the transaction bank name and the user information transmitted from the mobile phone; And If the inquiry result is a normal user, recharging the recharge amount to the operator server within the account balance of the trading bank designated by the user; The user authenticates the user through the identifier of the electronic chip in the card reader connected to communicate with the operator server as the mobile phone in which the contactless electronic chip is embedded approaches the operator, and is charged in the operator server. A payment method for a mobile phone with a built-in contactless electronic chip, characterized in that the user is allowed to use the service within a user's recharge amount. The method of claim 1, wherein the user information, A payment method of a mobile phone incorporating a contactless electronic chip containing account number information and password information of the bank selected by the user.