KR20020050069A - method and system for substitutionally executing charge using contactless IC chip installed card - Google Patents

Abstract

PURPOSE: A mobile charge agent service method using noncontact type IC chip built-in card and a system thereof are provided to easily and rapidly charge an express way toll and/or transaction charge of goods and service together with a mobile phone communication fee by using a small and light-weight noncontact type IC chip built-in card that can be attached on a mobile phone and simply portable. CONSTITUTION: A card driving and input/output unit(22) is installed at a terminal(30) in a toll gate or a member store so that a non-contact type IC chip built-in card(10) in which a mobile phone number itself or a card number, an ID, of a card connected to the mobile phone number is recorded are approached thereto to read the card number. An expressway business office server(20), charging an expressway use fee, records at least incoming or outgoing toll gate code in an expressway incoming or outgoing toll gate code field of the non-contact type IC chip built-in card(10) by means of the card driving and input/output unit(22), drives and controls the card driving and input/output unit(22) so as to read and store the recorded incoming or outgoing toll gate code, and refers a blacklist data on the basis of the card number to check an availability of the corresponding non-contact type IC chip built-in card(10). A host computer(50) stores a transaction itemized data from each expressway business office server(20) or the member store terminal(30), and periodically transmits the transaction itemized data to a host computer(70) of a mobile communication provider. The host computer(70) of the mobile communication provider issues a charge itemized statement and bill by charging an expressway use fee and/or a transaction charge of goods or service together with a mobile phone communication charge for a client corresponding to the mobile phone number or adds them for an automatic transfer on the basis of the transaction itemized data received from the host computer(50).

Description

Mobile charging agent service method and system using contactless IC chip embedded card {method and system for substitutionally executing charge using contactless IC chip installed card}

The present invention relates to a mobile charging agent service method and a system using a contactless IC chip embedded card, and more particularly, to a small, lightweight contactless IC chip embedded card 10 which can be easily carried by being attached to a mobile phone. Mobile billing service method and system using contactless IC chip which can charge and collect highway fee (toll) and / or transaction price of goods or service with mobile phone communication fee easily and quickly It is about.

Recently, an automatic card toll vehicle toll collection system has been disclosed in Korean Patent Application Publication No. 2000-7416 (published date: February 07, 2000). RF data retrieval driving means 223, on-vehicle transmission / reception means 224 for wireless transmission and reception driving with the gate processor 400 of the hearth side information and reception information generated in the RF data retrieval driving means 223, and An onboard processor (200) including an onboard controller (208) for controlling the RF data retrieval driving unit (223) and the onboard transceiver unit (224); The onboard processor 200 includes a plurality of gate transmission / reception means 4011 to 401N for driving wireless transmission and reception, a gate control unit 402 and a modem 403 for receiving card information received from them and controlling a side-floor system. And a gate processor 400 including a gate memory 405 or the like having blacklist data in which credit card information is updated from an upper system.

The conventional technology is to use a prepaid and postpaid RF card / self-strip card to pass a toll road with a free pass, and use a toll system based on an automatic vehicle identification (AVI) system. The vehicle is equipped with a vehicle that reads the information recorded in the vehicle, and a grounded person who performs wireless communication with the vehicle and collects the unique information and the information recorded in the information matrix is installed on the euro road to calculate the fee information of the vehicle. Japanese Patent Application Laid-Open No. 62-44898, "Toll Transfer System," and an urgent antenna for communicating wirelessly with the vehicle to the first to third gantry, antenna controller, photographing means and master controller, for confirmation Install the smart card (prepaid card, credit card, postfade card) in the vehicle installation by installing antenna, vehicle separator, etc. Korean Patent Application Publication No. 94-20266 "Electronic Toll Collection System, which acquires value added and personal information / vehicle information through charging antennas and antenna controllers, withdraws charges from personal balances, or takes measures for fraudulent traffic. And a vehicle identification device ". In other words, it is difficult to overcome the limitations of the use in such a system because it is not used as a vehicle pass card, which is widely used for buses and subway cards, and prepaid card type used only for buses. Or a combination of credit cards, etc., because of different system environments for processing tolls, they cannot be used interchangeably, and nonstop traffic of vehicles on highways such as highways, even if they are developed as integrated types. This is to solve the problem that it can not be used.

However, although the above-mentioned existing technologies are specifically designed to accept both prepaid and postpaid RF cards and magnetic strip cards, and to collect the toll roads non-stop free-pass, the free pass using smart cards. For this purpose, there is a problem that a high power RF signal must be output, and furthermore, there is a problem that postpaid fee collection is cumbersome.

Accordingly, the present invention is to solve such a problem, by using a small, lightweight, contactless IC chip built-in card that can be easily carried by attaching to a mobile phone, the highway fee (toll) and / or transaction price of goods or services The purpose of the present invention is to provide a mobile billing agent service method and system using a contactless IC chip embedded card, which can be easily and quickly collected and collected along with a mobile communication fee.

1 is a schematic perspective view showing a state suspended to a mobile phone for carrying a contactless IC chip embedded card,

2 is a schematic structural diagram of an embodiment of a mobile charging agency service system using a contactless IC chip embedded card according to the present invention;

3 is a flow chart illustrating an embodiment of a mobile charging agency service method using a contactless IC chip embedded card according to the present invention;

4 is a configuration diagram of a data record for a billing agent service of a contactless IC chip embedded card used in FIG. 3;

Figure 5 is a flow chart illustrating another embodiment of a mobile charging agency service method using a contactless IC chip embedded card according to the present invention.

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

1: cell phone 10: IC card with a contactless IC chip

20: highway sales office server 21: controller

22: card driving and input / output means 30: merchant terminal

41: Internet network 42: Public telephone network (PSTN / DNS)

50: host computer of VAN Corporation 60: host computer of Korea Expressway Corporation

70: host computer of mobile carrier

In order to achieve the above object, an embodiment of a mobile billing service method using a contactless IC chip embedded card according to the present invention is provided in close proximity to a card driving and input / output means installed in a toll gate of a highway to enter a contactless IC chip embedded card. Reading a card number which is an identification number of the cell phone number itself or the card itself connected thereto; Recording the entry toll gate code in the highway entry toll gate code field of the read contactless IC chip embedded card; Confirming the validity of the corresponding contactless IC chip embedded card by reading the blacklist code from the transaction stop field when the card number is read or after the reading at the highway sales office server of the entry tollgate; Reading a card number and an entry toll gate code by approaching a card driving and input / output means installed in a toll gate of a highway to which the contactless IC chip embedded card is to enter; If the contactless IC chip embedded card is a valid card, storing the read card number and the entry toll gate code together with the exit toll gate code by the highway sales office server of the exit toll gate; Calculating a section highway fee from a highway office server based on the entrance toll gate code and the exit toll gate code and periodically transmitting the calculated transaction details data to a host computer of a settlement van through a network such as an internet network; In the host computer of the settlement bansa step of storing the transaction history data transmitted from each highway office server, and periodically periodically sent to the host computer of the mobile communication company; In addition, the host computer of the mobile communication company adds up to charge or automatically transfer the expressway fee with the mobile phone communication fee to the customer corresponding to the mobile phone number based on the transaction history data transmitted from the host computer of the settlement company. And issuing a bill together.

In addition, another embodiment of the mobile charging agent service method using a contactless IC chip embedded card according to the present invention, the contactless IC chip embedded card in close proximity to the card drive and input and output means of the merchant terminal, the mobile phone number itself or a card connected thereto Reading a card number which is its own identification number; Transaction data of goods or services, including the card number of the contactless IC chip embedded card, is read and transmitted from the merchant terminal to the host computer through the public telephone network (PSTN / DNS). Requesting; In the host computer of the settlement Bansa company to check the blacklist data for the card number requested for approval, check the validity of the corresponding contactless IC chip built-in card, and transmit the approval, and storing it in the transaction history database; Periodically transmitting the transaction history data from the transaction history database stored in the host computer of the settlement company to the host computer of the mobile communication company; And issuing a bill together with the billing history by summing to charge or automatically transfer the transaction of the goods or services together with the mobile communication fee for the customer corresponding to the mobile phone number at the host computer of the mobile communication company. It is characterized in that the configuration.

In addition, the mobile billing service system using a contactless IC chip embedded card according to the present invention is a service system for billing the fee for the use of highways or transactions of goods or services, the identification of the mobile phone number itself or the card itself connected thereto. Card driving and input / output means installed in a toll gate or affiliated store terminal on a highway to read a card number by bringing a contactless IC chip embedded card having at least a card number recorded therein; In the case of the toll gate of the highway, the card driving and input / output means for recording at least the entry or exit toll gate code in the highway entry or exit toll gate code field of the read contactless IC chip embedded card and read and store the recorded entry or exit toll gate code. Drive the device, query the blacklist data based on the read data, check the validity of the corresponding non-contact IC chip embedded card, calculate the section highway fee from the highway sales office server by using the entry toll gate code and the exit toll gate code. A highway sales office server for periodically transmitting the calculated transaction history data to a host computer of a settlement van through a network such as an internet network or a public telephone network; Stores transaction history data sent from each expressway office server or merchant terminal, and checks the validity of the contactless IC chip built-in card by checking the blacklist data in case of the transaction price of goods or services, and transmits the transaction status. A settlement computer for storing in a database, and for periodically transmitting the transaction history data to the host computer of the mobile communication company periodically; Based on the transaction history data sent from the settlement computer of the settlement company, the mobile phone communication fee for the customer corresponding to the mobile phone number, together with the mobile phone communication charges and / or the transaction fee for the goods or services, are added together to charge or transfer the bill. And a host computer of a mobile communication company for issuing an invoice.

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

The present invention basically uses the non-contact IC chip embedded card 10 as shown in FIG. 1 to read / write the card in close proximity to the driving and input / output means 22, and to charge the toll (toll) and / or goods or services. To provide a mobile billing service method and system using a contactless IC chip built-in card that can be easily and quickly billed and collected with the mobile communication fee of the transaction, Figure 1 is a contactless IC chip built-in card ( 10 shows one method of carrying easily, and is configured to be suspended from the mobile phone 1 so that it can be easily carried with the mobile phone 1. It is also possible to separate and carry separately.

Figure 2 is a schematic block diagram of an embodiment of a mobile billing service system using a contactless IC chip embedded card according to the present invention.

The mobile billing service system using the contactless IC chip built-in card 10 and a network such as the Internet network 41 or the public telephone network (PSTN / DNS) 42 is, as an example, shown in FIG. IC chip built-in card 10, card drive and input / output means 22, highway office server 20 and / or merchant terminal 30, the host computer 50 of the settlement company, and the host computer of the mobile communication company ( 70), and may be configured to include the host computer 60 of the Korea Expressway Corporation connected to the host computer 50 of the settlement bansa to manage the collection of the expressway fee according to the law and the like.

The card driving and input / output means 22 is a toll gate of the highway so as to read the card number by bringing the contactless IC chip embedded card 10 in which at least the card number which is the identification number of the cell phone number itself or the card itself connected thereto is read. Or it is installed in the merchant terminal 30.

The non-contact IC chip built-in card 10 is a data record structure stored in a memory unit such as an EPROM or an EEPROM, and the like, as shown in FIG. The toll gate code field, the toll gate entry time field, the entry toll gate code field, the toll gate entry time field, and the mileage field may be configured.

Although the description and illustration of the specific configuration of the card driving and input / output means 22 and the contactless IC chip embedded card 10 are omitted, various types of structures may be employed in the present invention if the contactless type is used. Preferably, the present invention is not limited to the configuration other than the above-described configuration.

The expressway office server 20 is for charging the fee for use of the expressway, and at least enters or exits the toll gate code field of the contactless IC chip embedded card 10 by the card driving and input / output means 22. The card is driven, the card drive and input / output means 22 are driven and controlled to read and store the recorded entry or exit toll gate code, and the black list data is inquired based on the read data, especially the card number. It is configured to confirm the validity of the contactless IC chip embedded card (10). The highway sales office server 20 calculates the section highway usage fee from the highway sales office server 20 based on the entry toll gate code and the entry toll gate code, and converts the calculated transaction details data into a network such as the Internet network 41. It is configured to periodically transmit to the host computer 50 of the settlement ban through. In addition, the highway office server 20 may be configured by integrating the entry side and the exit side, may be configured separately, further, as shown in Figure 2, one highway office server 20 It may be configured to control the card driving and input / output means 22 of the plurality of toll gates via the controller 21, and each card driving and input / output means 22 is provided with control means such as an indicator (not shown). It is also possible to configure the terminal of the toll gate.

The settlement computer's host computer 50 stores transaction history data transmitted from each expressway office server 20 or affiliated terminal 30, and periodically re-enters the host computer 70 of the mobile communication company periodically. It is configured to send transaction details data. On the other hand, especially in the case of the transaction price of goods or services to check the validity of the contactless IC chip embedded card 10 by querying the blacklist data, and whether the approval is also configured to be stored in the transaction history database It is preferable.

The host computer 70 of the mobile communication company, together with the mobile phone communication charges for the customer corresponding to the mobile phone number based on the transaction history data transmitted from the host computer 50 of the settlement company, the highway fee and / or goods or It is configured to sum up for billing or direct debiting of the service and issue an invoice with the billing history.

The mobile billing service system using the contactless IC chip embedded card configured as described above is connected to a network such as the contactless IC chip embedded card 10 and the Internet network 41 or the public telephone network (PSTN / DNS) 42 in FIG. The mobile billing service system to be used is a system for billing the highway fee (toll) at the same time as the fee for using the mobile phone (for expressways) and a system for billing the transaction fee for goods or services at the same time as the fee for the phone (1). It may be configured separately (for general purchase). That is, the basic configuration of the present invention may be configured to suit the characteristics of the system including the host computer 50 or the like of the settlement van company or its configuration program for each highway or general purchase.

As an example of such various configurations, Figure 3 is a flow chart illustrating an embodiment of a mobile charging agency service method for a highway using a contactless IC chip embedded card according to the present invention, Figure 4 is a contactless IC chip used in FIG. An example of the configuration of a data record for billing the internal card is shown.

First, the basic field of the data record of the contactless IC chip embedded card 10 in FIG. 4 is a card number field for storing a card number, which may be an identification number of a mobile phone number itself or a card itself connected thereto, and an entry toll gate code. A contactless IC chip embedded card having a blacklisted card number by including an entry tollgate code field for recording a blacklist, and a transaction stop field for storing a transaction stop code indicating whether to be registered on a blacklist and its contents ( 10) can record the transaction stop code, and read the transaction stop code recorded in this way to identify whether the transaction stops quickly and easily when entering or entering the toll gate, and the contactless IC chip built-in card 10 Inability to use can be determined quickly and primarily at the time of entry. In addition, according to the regulations, whether or not the allowable time for using the expressway is passed for each section or the whole section, a penalty is imposed when the allowable time passes, and the entry and exit time of the toll gate together with the toll gate code field can be notified. It may be configured to include a field, and in the case of granting other mileage, it may be configured to include such a field as shown in FIG.

In one embodiment of the mobile billing service method for the highway in Figure 3, basically reading the card number when entering the toll gate (S15), validation step (S16) of the contactless IC chip embedded card 10, entry gate code recording step ( S19), reading the card number and the entry toll gate code when entering the toll gate (S20), storing the card number, the entry toll gate code and the entering toll gate code (S26), calculating the section toll highway fee (S26), and transmitting transaction history data ( S27 and S28), and by including the mobile communication fee and the expressway fee charge step (S29) basically by reading the card number and entry tollgate code when using a valid contactless IC chip built-in card 10, the highway sales office of the exit tollgate Since the expressway fee (toll) can be calculated in the server 20, the steps of the present invention alone Charging agency services can be realized. Other steps in FIG. 3 are preferably included for better embodiments.

In FIG. 3, first, in step S11, the blacklist data is inputted by inputting the blacklist data of the customer via the host computer 70 of the mobile communication company, and at the same time, the blacklist is set to the lease line L / L ( leased line) or the like, or through the magnetic recording medium, to the host computer 50 of the settlement van. The host computer 50 of the settlement van again transmits a network such as the Internet network 41 to the host computer 50. It transmits to each expressway office server 20, builds the blacklist database (step S12), builds the blacklist database in each expressway office server 20, and periodically transmits the database with the received blacklist data. Update is made (step S14).

In step S15, the card driving and input / output means 22 of the terminal installed at each toll gate of each expressway office allows the customer to tag the contactless IC chip embedded card 10 attached to the mobile phone 1, etc. Read card information. The card number input through the terminal is checked by comparing and searching the blacklist data of the blacklist database in the highway sales office server 20 to confirm the validity of the contactless IC chip embedded card 10 (step S16). As a result, when blacklisted, the transaction stop code is sent to the customer's contactless IC chip embedded card 10, recorded in the transaction stop field, and an existing pass ticket is issued (instead of issuing such a conventional pass ticket, a contactless type It is also possible to use the IC chip built-in card 10 as a ticket only, and to notify the payment of tolls by a method other than the billing service system). At this time, it is also possible to return to step S15 and tag the non-contact IC chip built-in card 10 again for a predetermined number of times such as two times to check again.

In the step of confirming the validity of the above-described contactless IC chip embedded card 10 may include the step of notifying through the display means of the terminal immediately at the expressway office server 20 of the entry toll gate with the cause of the invalid card. The validation step may be performed after the card number is read by the expressway office server 20 of the entry toll gate. In this case, the mobile phone 1 may be notified, or a notice may be made through the display means at the exit toll gate, and the toll may be paid in cash.

When not listed in the blacklist in step S16, the card driving and input / output means 22 of the terminal of the toll gate is transmitted from the expressway office server 20 to the card driving and input / output means 22 of the terminal of the toll gate, and the card driving of the terminal of each toll gate is performed. The expressway office code and current time are recorded on the card via the input / output means 22 in the expressway entry toll gate code field and entry time field of the card in step S19.

Thereafter, the exit toll gate is reached, and the customer reads the card information by causing the card driving and input / output means 22 of the exit toll gate to tag the contactless IC chip embedded card 10 in step S20. If the card is a valid card determined from the information of the transaction stop field, the read card number and the entry toll gate code are stored together with the entry toll gate code by the highway sales office server 20 of the entry toll gate in the transaction history database ( Step S25).

At this time, in order to more clearly clarify the responsibility for the validity of the card, it may be desirable to confirm once again by inquiring and comparing the black list whether the card is valid until the advancement time (step S21). Even in this case, as a result, when it is listed on the blacklist, the transaction stop code is transmitted to the customer's contactless IC chip embedded card 10 and recorded in the transaction stop field (step S22), and the toll is collected by the existing toll payment method. At this time, it is also possible to return to step S20 and tag the non-contact IC chip built-in card 10 again for a predetermined number of times such as two times to check again.

In addition, if, in step S23, for example, it is prescribed to collect a fine when exceeding 1 day, the entrance time and the exit time of the toll gate are calculated to confirm that the passage time is within 1 day, and the offending customer is treated according to the regulations (step S24), only when less than one day, as shown in Figure 3 to store the card number, entry office code, entry time, entry time data entered through the terminal through the highway sales office server 20 in the transaction history database It may be configured as well.

Subsequently, in step S26, the toll gate code or the expressway office code is calculated by the expressway toll gate code or the expressway office code at the exit toll gate to calculate the section fee between the exit highway office or the toll gate and store it in the transaction history database. Bansa periodically transmits to the host computer 50 via a network such as the Internet network 41 in a batch method. At this time, in case of an error, it would be desirable to notify the toll through the display means of the terminal so that the objection can be immediately raised.

Subsequently, in step S28, the transaction history data from each KNO office is sorted by customer number, time zone, and sales office, and periodically the host computer 70 of the corresponding mobile communication company and the host computer 60 of the Korea Expressway Corporation. In the step S29, the mobile communication company charges the customer with the communication fee of the month according to the transaction history transmitted from the host computer 50 of the settlement company. That is, the host computer 70 of the mobile communication company charges or automatically transfers the fee for using the highway together with the mobile phone communication fee for the customer corresponding to the mobile phone number based on transaction data transmitted from the host computer 50 of the settlement company. To sum up, issue a bill together with the bill.

When the charge is received from the customer to the mobile communication company (step S30), the transaction amount excluding the charging agency fee and the settlement VAN fee is paid to the Korea Expressway Corporation in step S31, and the Korea Expressway Corporation pays the settlement VAN fee to the settlement van company. (Step S32).

To this end, the transaction history data received from the host computer 70 of the mobile communication company is processed and transmitted to the host computer 50 of each settlement company and the host computer 60 of the Korea Highway Corporation. A customer who has not received money is created as a blacklist and processed as described above, and later deleted or released from the blacklist when the money is deposited, and the system of the present invention can be used using the customer's contactless IC chip embedded card 10. To help.

On the other hand, Figure 5 is shown as a flow chart of an embodiment of a general billing mobile charging agent service method using a contactless IC chip embedded card according to the present invention.

First, in step S51, the blacklist data is input by inputting the blacklist data of the customer via the host computer 70 of the mobile communication company, and the blacklist is leased (L / L (leased line)) in step S52. Or through the magnetic recording medium to the host computer 50 of the settlement van, and the host computer 50 of the settlement van establishes a blacklist database (step S53) and periodically transmits it. It periodically updates its database with the received blacklist data.

Then, when payment is requested to the contactless IC chip embedded card 10 in the purchase price in step S54, after inputting the transaction amount in the merchant terminal 30 (step S55), the customer is a merchant terminal installed in the general merchant ( When the non-contact IC chip embedded card 10 is tagged to the card driving and input / output means 22 of step 30 (step S56), the terminal information is transmitted through a communication line such as a public telephone network (PSTN / DNS) 42 in step S57. Send the card number and transaction amount online. At this time, the blacklist is searched for the mobile communication telephone number corresponding to the card number that the authorization request came from in step S58, the validity is transmitted, and the approval is transmitted. When the blacklist is registered in step S58, the transaction stop code is transmitted to the customer's contactless IC chip embedded card 10, and the transaction stop code is recorded in the transaction stop field (step S59), and the transaction is performed by an existing method other than the billing service system. Make sure you pay the amount. At this time, it is also possible to return to step S56 and tag the non-contact IC chip built-in card 10 again for a predetermined number of times, such as twice, to check again.

When not listed on the blacklist, the merchant information, transaction date and time, transaction amount, and card (member) number are stored in the transaction history database at the host computer 50 of the settlement company in step S60, and entered from each general merchant in step S61. The transaction history data is sorted by customer number and transmitted to the host computer 70 of the corresponding mobile communication company at a predetermined interval in a batch manner. In step S62, the customer charges the transaction amount transmitted from the settlement bansa together with the monthly communication fee. That is, the host computer 70 of the mobile communication company charges or automatically charges the transaction amount along with the mobile communication rate for the customer corresponding to the mobile phone number based on the transaction history data transmitted from the host computer 50 of the settlement company. To make a transfer, add the bill together with the bill.

When the charge amount is received from the customer to the mobile communication company (step S63), the transaction amount excluding the charging agency fee and the settlement van fee is paid to each affiliated store in step S64, and the VAN fee is settled to the settlement van company in step 65. To this end, the transaction history data received from the host computer 70 of the mobile communication company is processed and transmitted to the host computer 50 of each settlement company. The customer who has not received the payment is blacklisted as described above.

On the other hand, it may be configured to store and read the usage history within the memory allowance of the contactless IC chip embedded card, and various conventional transaction authentication methods may be employed together. It is also possible for the present invention to include conventional methods for making claims and payments online, and to use various computer systems similar to the present invention, such as using computer systems through other social institutional organizations instead of the host computer 70 of the mobile communication company. The billing method may be embodied, and furthermore, the concept of the contactless IC chip embedded card 10 according to the present invention is combined with various contactless IC chip built-in cards such as a prepaid card, a credit card, an ID card, or the mobile phone 1 itself. It may be embodied.

According to the mobile billing service method using the contactless IC chip embedded card according to the embodiment of the present invention described above, and the configuration and operation of the system, a small, lightweight, non-contact IC chip built into the mobile phone can be easily carried. By using the card, it is possible to easily and promptly charge and collect the highway fee (toll) and / or the transaction price of goods or services together with the mobile communication fee.

Claims (5)

Reading a card number which is a mobile phone number itself or an identification number of the card itself connected thereto by approaching the card driving and input / output means 22 installed in the toll gate of the highway to enter the contactless IC chip embedded card 10; Recording the entry toll gate code in the highway entry toll gate code field of the read-out contactless IC chip embedded card 10; Read the blacklist code from the transaction stop field at the time of reading the card number or reading the card number at the tollgate's highway office server 20 or check the blacklist data to check the validity of the corresponding contactless IC chip embedded card 10. Doing; Reading the card number and the entry toll gate code by approaching the card driving and input / output means 22 installed in the toll gate of the highway to which the contactless IC chip embedded card 10 is to advance; If the contactless IC chip embedded card 10 is a valid card, storing the read card number and the entry toll gate code together with the exit toll gate code by the highway sales office server 20 of the exit toll gate; Transmitting the transaction details data, which calculates the highway express fee from the highway sales office server 20 by the entry toll gate code and the entry toll gate code, to the host computer 50 of the settlement ban company through a network such as the Internet network 41. step; The settlement computer's host computer 50 stores transaction history data transmitted from each expressway office server 20, and periodically sorts the transaction history data and transmits the data to the host computer 70 of the respective mobile communication company. And, In the host computer 70 of the mobile telecommunication company, to charge or automatically transfer the highway fee, together with the mobile phone communication fee for the customer corresponding to the mobile phone number, based on transaction data transmitted from the host computer 50 of the settlement company. Mobile billing service method using a contactless IC chip built-in card comprising the step of issuing a bill together with the billing history. According to claim 1, wherein the host computer 70 of the mobile communication company inputs the blacklist data of the customer and transmits the blacklist or via the magnetic recording medium of the host computer 50 and each highway office server 20 Constructing a database of the blacklist data and periodically updating the database; If the contactless IC chip built-in card 10 is an invalid card, further including a step of notifying the highway sales office server 20 of the entry tollgate that the card is invalid to be paid in cash; In the entry toll gate code recording step, at least the entry time is recorded by the expressway sales office server 20 of the entry toll gate in the toll gate entry time field of the contactless IC chip embedded card 10, and necessary measures for entering the highway use time allowed. And reading out the entry time by the expressway office server 20 of the exit toll gate to determine whether or not the advancement time is within a legitimate allowable time, so as to be able to do so. Transfer the transaction history data to the host computer 60 of the Korea Expressway Corporation at the same time or before or after the step of transferring the transaction history data from the highway office server 20 or the host computer 50 of the settlement bansa, and the billing agent fee and Processing the transaction data excluding the settlement van fee and processing the transaction data received from the host computer 70 of the mobile communication company to pay the settlement van fee to the settlement van company. Mobile charging agency service method using a contactless IC chip embedded card, characterized in that it comprises a. Reading the card number which is the identification number of the mobile phone number itself or the card itself connected thereto by bringing the contactless IC chip embedded card 10 into the card driving and input / output means 22 of the merchant terminal 30; Transaction history data of goods or services, including the card number of the non-contact IC chip embedded card 10, is read from the merchant terminal 30 together with the merchant terminal 30 information, such as a public telephone network (PSTN / DNS) 42 Requesting for approval by transmitting online to the host computer 50 of the payment company; The settlement computer's host computer 50 checks the blacklist data for the card number requested for approval, checks the validity of the corresponding contactless IC chip built-in card 10, and transmits the approval, and transmits it to the transaction history database. Storing; Periodically sorting the transaction history data from the transaction history database stored in the host computer 50 of the settlement van company and transmitting the transaction history data to the host computer 70 of the corresponding mobile communication company; And, A step of issuing a bill together with the billing history by summing in order to charge or automatically transfer the transaction of the goods or services together with the mobile communication fee for the customer corresponding to the mobile phone number at the host computer 70 of the mobile communication company; Mobile charging agency service method using a contactless IC chip embedded card, characterized in that configured to. 4. The host computer 70 of the mobile communication company inputs the blacklist data of the customer and transmits the blacklist, or transmits the blacklist through the host computer 50 of the settlement company via the magnetic recording medium. Establishing a database, and periodically updating the database; Processing and transmitting the transaction details data deposited by the host computer 70 of the mobile communication company to pay the transaction amount excluding the billing agent fee and the settlement van fee to pay the settlement van fee to the settlement van company. Mobile charging agency service method using a contactless IC chip embedded card, characterized in that it further comprises. In the service system for charging the highway fee or the transaction price of goods or services: Driving a card installed in the toll gate or affiliated store terminal 30 of the highway to read the card number by bringing the contactless IC chip embedded card 10 at least recorded with the card number which is an identification number of the mobile phone number itself or the card itself connected thereto; Input / output means 22; In the case of the toll gate of the highway, at least the entry or exit toll gate code is recorded in the highway entry or exit toll gate code field of the read-out contactless IC chip embedded card 10, and the card is driven to read and store the recorded entry or exit toll gate code. And driving the input / output means 22, querying the blacklist data based on the read data to confirm the validity of the corresponding non-contact IC chip embedded card 10, and the highway sales office by the entry toll gate code and the exit toll gate code. Transmitting transaction history data, which calculates the section highway usage fee, from the server 20 to the host computer 50 of the settlement company periodically through communication lines such as the Internet network 41 and the public telephone network (PSTN / DNS) 42. Highway office server 20 for; Store the transaction history data transmitted from each expressway office server 20 or the merchant terminal 30, and check the validity of the contactless IC chip embedded card 10 by inquiring the blacklist data in the case of the transaction price of goods or services, A settlement computer's host computer 50 for transmitting approval status, storing it in the transaction history database, and periodically transmitting the transaction history data to the host computer 70 of the mobile communication company; Based on transaction history data sent from the settlement computer of the settlement company, the mobile phone communication charges for customers corresponding to the mobile phone numbers are added together to charge or automatically transfer the transaction fee of the highway fee and / or goods or services. Mobile billing service system using a contactless IC chip built-in card, characterized in that it comprises a host computer (70) of the mobile communication company for issuing the bill with the billing history.