KR20020048926A - Settlement method using electronic cash coupled usb connector and rf-chip - Google Patents

Abstract

PURPOSE: A method for paying by using the electronic cash combined with a USB(Universal Serial Bus) and an RF(Radio Frequency) chip is provided to directly connect the electronic cash to a USB port of a computer by embedding the USB and the RF chip in the electronic cash, to charge the electronic cash regardless of the place and time by storing the personal information and authenticated information in an embedded memory, and to widely use a small sum payment. CONSTITUTION: The method comprises steps of a management server(123) giving a user ID and a password, performing charging after the authentication and payment with response to a charge request signal from a user, and storing the user information, the changed amount, transaction information, the balance, and actual results in the electronic cash and the management server. The user requests for charging by inputting the number of the electronic cash and personal information. The user ID and the password given by the management server are recorded in the electronic cash and the database of the management server.

Description

Settlement method using electronic money combining USB and RF chip {SETTLEMENT METHOD USING ELECTRONIC CASH COUPLED USB CONNECTOR AND RF-CHIP}

The present invention relates to a payment method using electronic money to freely use public transport such as a bus or subway, and more particularly, to directly charge a USB serial port (USB Port: Universal Serial Bus Port) of a computer to charge money. The present invention relates to a payment method using electronic money that combines USB and RF chip to enable authentication and financial settlement of internet access service.

The electronic money for carrying out the present invention includes a transportation card, which can be equally applied as a means of payment when using all public transportation means including buses or subways. This may also apply to the case where

Recently, an electronic money system in the form of a small card payment (RF-CARD) has been introduced so that both buses and subways can be used.

By the way, the charge of the electronic money must be used at the designated place of the bus stop or the ticket office in the subway station, and the current balance can be checked only after use, and it is not possible to pay with a credit card. Has

In addition, in case of authentication and microfinance payment for the use of internet access service, there is a separate equipment that can recognize RF card, and the post-paid electronic money which is combined with credit card increases the risk of loss. There is this.

After all, in order to use the conventional RF card, it is used as a means of payment due to the increase in demand for transportation and micro internet payment, but the method for acknowledging financial settlement relies mostly on software, and the hardware is also simply used as a serial number. It is difficult to activate due to weak safety because illegal copying is not sufficiently blocked by the input method of.

In addition, when the RF card used as electronic money is damaged or lost, it is difficult to check the balance and receive a refund. In some cases, the balance cannot be confirmed.

The present invention has been made to solve the above problems, the purpose of which is built into the electronic money USB (USB) and RF chip (RF-CHIP) directly to the USB port of the computer (USB Port) without a separate device directly It allows you to connect and store personal data and authenticated information of USB and RF card in the built-in memory so that users can charge regardless of time and place. At the same time, it is to provide a payment method using electronic money that combines USB and RF chip to enable a wide range of applications such as various payments, electronic commerce, micropayments in transportation and application fields.

According to a feature of the present invention for achieving the above object, in a method for enabling payment in a commerce system using electronic money equipped with USB (USB) connection terminal and RF chip (RF-Chip),

A first process of providing a user ID and a password in the management server when the electronic money of the user is connected to the USB port of the computer and the computer is connected to the management server through an Internet communication network; A second process of performing charging after performing authentication and payment from an authentication server and a financial server when a charging request signal is input through wired / wireless wires of USB and RF; And when the user's electronic money is connected to the USB port of the computer and a product payment request signal is input from the user through the e-commerce space to the e-commerce server and the management server, the user's personal information, amount, credit, etc. The present invention provides a payment method using electronic money combined with USB and RF chip, which includes a third process of checking and paying user information and recording information such as transaction information, balance and performance in electronic money and management server, respectively.

In this case, according to an additional feature of the present invention, the first step may include a first step of requesting personal information such as a product number and a user's identity of an electronic money from a management server; And a second step of assigning a user ID and a password in the management server and recording them in the electronic money and the database in the management server, respectively.

According to another additional aspect of the present invention, the second process includes a first step of performing user authentication by requesting input of a user ID and password when a charge request signal is input from a user; A second step of confirming a user's credit status by sending a credit confirmation request signal to the authentication server after the first step is performed; After the second step is performed, if the credit status is recognized as normal in the authentication server, the management server requests the user to perform financial settlement by credit card, mobile phone or cash, and according to the input information, such as a credit card company, a communication company, a bank, etc. A third step of performing a payment by sending a payment authentication request signal to a financial server; And a fourth step of performing charging by recording the financial transaction information and the amount in the management server and the electronic money after the third step is performed.

In addition, according to another additional feature of the present invention, in the third process, when the user wants to trade and use electronic money in the micro payment terminal, not the Internet, the RF reader or USB port installed in the micro payment terminal (USB Port) It is preferable that the balance is confirmed and settled through the step of making a payment.

1 is a block diagram showing the configuration of a system for implementing the present invention.

2 is a block diagram schematically showing the configuration of an embodiment of an electronic money for carrying out the present invention;

<Explanation of symbols for the main parts of the drawings>

110: electronic money 121: computer

122: Internet communication network 123: management server

124: authentication server 125: financial server

126: e-commerce server 127: charging terminal

128: RF reader 129: micropayment terminal

130: system security device

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

In the present invention, the wired USB and the RF chip are rarely used at the same time, so the USB signal and the RF can be used as an electronic signal by input and output. In addition, the microprocessor (CPU), EEPROM, and oscillator, etc., which are overlapping parts used in the mutual system, are shared, so that each function can be controlled by a program.

1 is a block diagram showing the configuration of a system for implementing the present invention, Figure 2 is a block diagram schematically showing the configuration of an embodiment of an electronic money for carrying out the present invention.

Referring to the configuration of a system for implementing the present invention in detail with reference to the accompanying drawings, reference numeral 110 denotes an electronic money according to the present invention in which a USB (USB) and RF chip (RF-Chip) is embedded. 121 denotes a general computer connected to the electronic money 110 through a USB connection terminal and capable of transmitting and receiving data, and 122 denotes an internet communication network to which the computer 121 is connected to enable communication with the outside. Indicates. In this case, a personal digital assistant (PDA) or the like capable of transmitting / receiving data by connecting to the electronic money 110 through a USB connection terminal may be used instead of the computer 121.

In addition, reference numeral 123 denotes a management server for recording, operating and managing the electronic money 110 and the user's information, 124 denotes an authentication server for authenticating a user's credit and transaction status, and 125 denotes the electronic server. Represents a financial server for charging an amount of money in the money 110, 126 represents an e-commerce server for operating the Internet e-commerce system to trade using the electronic money (110).

In addition, reference numeral 127 denotes a charging terminal installed in a bus, subway, convenience store, etc. to charge the electronic money 110 through the RF chip (RF-Chip), and 128 denotes the electronic money 110 of the electronic money 110. An RF reader capable of reading RF signal information is indicated, and 129 represents a micropayment terminal capable of performing micropayment according to a signal inputted through the RF reader 128. In this case, in place of the RF reader 128, a device having a built-in USB port (USB Port) may be used, and the micropayment terminal includes all of a traffic terminal, a vending machine, and an amusement facility terminal.

In addition, reference numeral 130 denotes a system security device that can control a general computer, a door, a car, and the like, and may be used as a portable storage device by embedding a flash memory.

Meanwhile, referring to FIG. 2, the configuration of the electronic money is described with reference numeral AT representing an internal antenna, reference numeral 10 representing a case of electronic money, and 11 a USB port of a general computer. 12 indicates a USB connection terminal that can be connected, 12 indicates an RF chip that is connected to the internal antenna (AT) and transmits and receives data, and 13 indicates a wired USB signal. An input / output control device for detecting a radio RF (RF) signal and transmitting the same to a microprocessor 14 of a next stage is shown.

In addition, reference numeral 14 denotes a microprocessor (CPU), and includes a logical operation unit 15, a RAM 16, and a ROM 17. The logical unit (ALU) 15 is a device that is responsible for the operation and logical operation of the data stored in the RAM (RAM) 16 by the operators in the instructions of the program, the RAM (RAM) 16 is The microprocessor 14 is a device for storing and maintaining data currently being used with an operating system and an application program in order to allow quick access. The ROM 17 is a device capable of reading data. It is a device that stores O / S (Operating System), COS (Card Operating System) and basic commands.

In addition, reference numeral 18 denotes an EEPROM in which a user can modify contents in the memory. The EPIROM 18 is a program for extending an extra instruction and a card operating system (COS), Security data such as various IDs (unique, authentication, etc.) and micropayments will be stored.

In addition, reference numeral 19 denotes an oscillator for generating an electric vibration, and 30 denotes a flash memory capable of erasing and writing the contents in block units. At this time, since the flash memory 30 is a nonvolatile storage device, the flash memory 30 is processed as a block, and thus the speed is higher than that of the ypyrom 18, which is processed in units of bytes.

Referring to the payment operation using the electronic money according to the present invention having the configuration as described above are as follows.

When the user connects the electronic money 110 to the USB port of the equipment such as the computer 121, the connection is made to the management server 123 through the Internet communication network 122. In this case, when the personal information such as the product number and the user's identity of the electronic money 110 is registered in the management server 123 to receive the user's authentication number in the electronic money 110, the management server 123 does this. The user ID and password which can be operated are recorded in the database in the electronic money 110 and the management server 123, respectively.

In the future, when the use is made, the user ID and password of the electronic money 110 and the user ID and password of the management server 123 are compared to determine whether or not they match.

When the user wants to charge the amount using the Internet communication network 122, after connecting to the management server 123, input the user ID and password and the password by the authentication number of the installed electronic money 110. At this time, if the input password is matched by the authentication server 124 to check the credit status.

If the credit status is recognized as normal in the authentication server 124, a financial settlement (credit card, mobile phone, cash, etc.) is selected by the user and the financial server 125 of a financial institution (bank, telecommunication company, credit card company, bus association, etc.) To pay)

When the work is completed, the financial transaction information and the amount are recorded and charged in the management server 123 and the electronic money 110.

On the other hand, when the user charges the amount wirelessly rather than the Internet communication network 22, the charge is made in the designated charging terminal 127, and the authentication server 124 of the certification authority (bus combination, etc.) connected wirelessly The electronic money 110 is charged and recorded in the management server 123 by the authentication and settlement procedure of the management server 123.

On the other hand, when the user selects and pays for the product in the e-commerce space of the Internet communication network 122, the e-commerce server 126 notifies the management server 123, and the electronic money 110 to the computer 121 After confirming the user information (identity, amount, credit, etc.) through the management server 123, the e-commerce server 126 and the management server 23 is settled. Accordingly, the procedure of the separate authentication server 124 or the financial server 125 is eliminated, so that the transaction information of the user can be recorded at the same time as the user's transaction information is recorded and the balance and the performance can be checked.

In addition, when the user wants to trade and use the electronic money 110 at a small payment terminal 128 such as a vending machine, etc., in a place other than the Internet, the RF reader 129 installed at the small payment terminal 128 or You must have a device with a USB port connected, and you can use it in the same way as a conventional smart card. After use, the payment method is selected and settled by the management server 123, which also records the use.

On the other hand, according to another embodiment of the present invention, it can be applied to the system security device 130 by utilizing the USB (USB) and RF IC (RF-IC). Scope of application can control and control door, car, computer, ID card, authentication key, parking management, etc., and can combine with flash memory to serve as portable removable storage device.

On the other hand, briefly look at the operation in the electronic money according to the present invention, the USB connection terminal 11 to operate by wire and the RF chip 12 to operate wirelessly is not used at the same time. Therefore, an initial voltage is generated through either the USB connection terminal 11 or the RF chip 12, and the voltage is supplied to each device and stored in the ROM 17. Will boot.

In the above operation, the input / output control device 13 automatically detects a voltage generation signal and connects either the USB connection terminal 11 or the RF chip 12 to the microprocessor 14. That is, the device detects the USB signal or the RF signal to determine the device to which the signal is input, and connects the device to the microprocessor 14 through a switching operation.

The data input through the USB connection terminal 11 or the RF chip 12 is stored in the RAM 16 and then logically operated in association with the data in the YPIROM 18 or the flash memory 30 by an execution program. It is processed through the device 15 and then written back to the RAM 16.

The data processed by the microprocessor 14 is transferred to an application program in each system such as a computer, PDA, RF reader, etc. through a reconnected device, and operated according to its utilization.

According to this operation, the electronic money to which the present invention is applied can be charged by the conventional method, and the user can charge the money by connecting to the USB port of a general computer as needed. In addition, by using KEY LOCK, you can make small payments at vending machines, leisure facilities, fast food or the Internet, including various financial settlements, e-commerce, transportation, etc., while maintaining security. It can be used extensively.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, when the payment method using electronic money combined with the USB and RF chip of the present invention is applied, the USB (USB) and RF chip (RF-CHIP) is built in a separate USB port (USB Port) of the computer By enabling the connection without the device of the user can be charged regardless of the location and time, there is an effect that can improve the ease of use.

In addition, using KEY LOCK, you can securely and efficiently use the Internet access service through wired / wireless authentication and microfinancial settlement. Therefore, you can increase the utilization by extending the use of electronic money. It has an effect.

Claims (4)

Claims [1] A method for enabling a payment in a commerce system using an electronic money equipped with a USB connector and an RF chip. A first process of providing a user ID and a password in the management server when the electronic money of the user is connected to the USB port of the computer and the computer is connected to the management server through an Internet communication network; A second process of performing charging after performing authentication and payment from an authentication server and a financial server when a charging request signal is input through wired / wireless wires of USB and RF; And When the user's electronic money is connected to the USB port of the computer and the product payment request signal is input from the user through the e-commerce space to the e-commerce server and the management server, the user's identity, amount and credit And a third process of checking and paying the user information and recording information such as transaction information, balance, and performance in the electronic money and the management server, respectively. The method of claim 1, The first step may include a first step of requesting personal information such as a product number and a user's identity of an electronic money from a user by a management server; And And a second step of writing a user ID and a password in the management server and recording them in the electronic money and the database in the management server, respectively. The method of claim 1, In the second process, if a charge request signal is input from a user, a first step of requesting input of a user ID and a password to perform user authentication; A second step of confirming a user's credit status by sending a credit confirmation request signal to the authentication server after the first step is performed; After the second step is performed, if the credit status is recognized as normal in the authentication server, the management server requests the user to perform financial settlement by credit card, mobile phone or cash, and according to the input information, such as a credit card company, a communication company, a bank, etc. Transmitting a payment authentication request signal to a financial server to perform payment; And And a fourth step of performing charging by recording the financial transaction information and the amount in the management server and the electronic money after the third step is carried out. The method of claim 1, In the third process, when a user intends to trade and use electronic money in a micro payment terminal, not through the Internet, the balance is checked and settled through an RF reader or USB port installed in the micro payment terminal. Payment method using electronic money combined USES and RF chip, characterized in that it comprises a step.