KR20020079710A - Optical payment system for passage meney on a tollgate - Google Patents

Abstract

PURPOSE: A settlement system by optical payment in a toll settlement system is provided to input card information in a wireless communication terminal such as a cellular phone or a PDA(Personal Digital Assistant) and optically pay a toll using the wireless communication terminal. CONSTITUTION: An inlet side control unit(100) attaches an optical transceiver(104) to its suitable position of an entrance road, receives card information from an entrance car, transmits inlet entrance information, and records transaction items. An outlet side control unit(300) attaches an optical transceiver(306) at its suitable position of an entrance road, receives card information and inlet entrance information from the entrance car, calculates a toll to perform settlement, and records transaction items. A business office computer(200) receives the transaction items from the inlet side control unit(100) and the outlet side control unit(300), records the received transaction items, compares the recorded transaction items with the transaction items recorded in the inlet side control unit(100) and the outlet side control unit(300) per a uniform time, clears the transaction items recorded in the inlet side control unit(100) and the outlet side control unit(300) when the transaction items are identical to each other, and transmits the corresponding transaction items to a totalization server. A portable terminal optically transmits card information to the optical transceiver(104) of the inlet side entrance road, receives inlet entrance information, optically transmits card information and inlet entrance information to the optical transceiver(306) of the outlet side entrance, and receives the transaction items. The totalization server totalizes the transmitted transaction items, compares the totalized transaction items with the transaction items recorded in the business office computer(200), requests a collective admission of the totalized data when the transaction items are identical to each other, and clears the transaction items recorded in the business office computer(200).

Description

Optical payment system for passage meney on a tollgate}

The present invention relates to a payment system for calculating toll gate tolls, such as highways belonging to IPC classification H04Q7 / 24. More particularly, the present invention relates to a payment system embedded in a mobile terminal with an optical transceiver, and the payment information of the toll gate through the mobile terminal. The present invention relates to a payment system by optical payment in a toll gate toll settlement system that automatically calculates tolls.

Recently, as a payment method, a card (card) that is easy to use and carry is used more than cash. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, and transportation cards. For example, a lot of cards are used to pay for goods in general stores or department stores. The card is also used to pay the bill after adding oil at a gas station or after eating at a restaurant. In recent years, cards can be used for transportation costs such as taxis, subways and buses. In addition, on-line e-commerce and ATMs / CDs can be used for cards. Like this, the number of card merchants have increased, and the types of payments that can be made with the card have also increased. Of course, there are also fields where cards are not yet used, such as tollgates, tunnel tolls, vending machines, and kiosks.

1 is a view showing a typical credit card payment system, showing a case where you need to pay for the purchase in the general store.

The buyer delivers the credit card 11 in his possession to the seller. The credit card 11 is a magnetic card with a unique number and a user name engraved thereon. The seller recognizes the credit card information through the magnetic card reader of the credit card inquiry machine 12. The credit card inquiry machine 12 transmits the recognized credit card information to the van company system 13 to make an approval request. The credit card checker 12 and the bansa system 13 are connected through a dedicated line. The bansa system 13 applies the approval request received to the card company system 14 for the approval. The card company system 14 that receives the application for approval from the bansa system 13 checks whether the credit card is a bad card, the credit status of the credit card holder, the usage level of the credit card to be used, and checks the approval result. (13). Upon receiving the approval result from the card company system 14, the bansa system 13 notifies the credit card checker 12 of the store where the application for approval was first received. The store seller confirms the approval result and notifies the buyer. If the approval result is normal, the payment is completed by using the credit card by presenting the sales slip to the buyer for signature.

2 is a diagram illustrating a credit card payment system in a general electronic commerce, a cyber shopping mall 23 that provides goods or services, a terminal 22 of a customer who purchases goods or services by accessing the internet to the shopping mall 23, and a product. It consists of a payment gateway 24, a bansa 25 and a card company 26 involved in the financial relationship to.

The customer connects to the cyber shopping mall 23 by a terminal 22 connected to the Internet such as a computer and performs shopping. When the product is found to be purchased, the purchase intention is transmitted to the shopping mall 23. The customer inputs information of the credit card 21 possessed on the screen provided by the shopping mall 23, that is, card information such as a customer name, a card number, a password, and an expiration date. The shopping mall 23 transfers the card information presented by the customer to the payment gateway 24. The payment gateway 24 requests the approval through the card company 26 or the bansa 25 which is a payment institution for the transferred card information, and confirms the result and transmits the result to the shopping mall 23 where the transaction occurred. When the shopping mall 23 is notified that the payment processing is normally performed by the payment gateway 24, the shopping mall 23 completes the transaction by delivering the purchased goods.

On the other hand, electronic money is used as a new payment method besides cash or card. Electronic money can be divided into network type, IC type, and microelectronic money using telephone number. The network type is a method of storing the actual value of money in a specific database on the network and transferring it as needed when paying on-line and cannot be used off-line. IC card type electronic money is a Mondex card as a representative example. Electronic money for small payments using a phone number is registered in the relevant electronic money seller and when you purchase any goods or services on the Internet, you enter your mobile phone number instead of credit card information. This method is added to the mobile communication fee of the service.

However, toll gates such as expressways cannot use the above credit cards as means of payment. On toll roads such as highways, you will receive a magnetic ticket with information on the starting point, time, etc. at the toll gate at the point of departure, and submit the ticket at the toll gate at the point of arrival. Put the bill to tell. Toll gate users pay their fees in cash.

In the conventional toll gate toll settlement method, the driver must lower the window of the car and stop for a while to receive the ticket. When paying the fare, he must pass the ticket to the cashier, check the fare, and pay the cash. This is a problem that causes traffic jams.

Accordingly, an object of the present invention is to provide an optical system in a toll gate toll settlement system that allows card information to be input to a portable device such as a mobile communication terminal such as a mobile phone or a PDA, and the toll gate toll can be paid by using the mobile device as a card substitute. To provide a payment system by payment.

1 is a block diagram showing a payment system using a general credit card,

2 is a view showing a credit card payment system in a typical e-commerce,

3 is a schematic view showing a light payment system according to the present invention;

4 is a configuration diagram showing a toll gate toll settlement system to which the payment method by the optical payment of the present invention is applied;

5 is a flowchart illustrating an operation for toll payment of a toll gate entrance vehicle;

6 is a flowchart for explaining an operation for toll settlement of a toll gate exit vehicle.

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

100,200: entrance and exit control unit 200: office computer

101,301: Lane controller 102,103: Vehicle entry and departure detection

104,306: Two-way optical transceiver 105: Passport issuer

106: vehicle classifier 302: vehicle detector

303: fixed amount ticket checker 304: receipt issued machine

305: Pass Control

In order to achieve the above object, a feature of the present invention is a toll gate toll settlement system, in which an optical transmitter and receiver are attached to an appropriate position of an access road to receive card information from an entrance vehicle, transmit entrance and exit information, and record transaction details. An entrance side control unit, an exit side control unit for receiving a card information and an entrance entrance information from an entry vehicle, calculating and paying a toll, and recording a transaction history by attaching an optical transmitter / receiver at an appropriate position of the entrance road; Receives and records the transaction history of the exit control part, and compares the transaction history recorded in the entrance control part and the exit control part at a certain time point, and if it matches, clears the transaction history recorded in the entrance control part and the exit control part and matches the transaction. Office computer that delivers the details to the aggregation server, and optical transmission and reception of the entrance ramp for payment of tolls By optically transmitting card information and receiving entrance and exit information, and transmitting and transmitting card information and entrance and entrance information to the optical transmitter of the exit side entrance, and receiving a transaction history, and connecting each office computer and controlling it centrally. In the optical settlement system including an aggregation server that aggregates the transaction details delivered and compares them with the transaction details recorded on the office computer, and applies for collective approval of the aggregate data and clears the transaction history recorded on the office computer.

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

3 is a basic conceptual diagram of a payment system using an optical payment according to the present invention, which is largely divided into a card issuing system and a payment system. The card issuing system attaches the optical transmitter and receiver to the card issuing terminal of the card company and inputs the information of the credit card to the portable terminal of the card applicant with the optical receiver for data optical transmission.The card information is input to the battery pack of the portable terminal. The card is issued through a scheme of downloading a card's information to a mobile terminal through a wired and wireless network. The card issuing system consists of a card applicant 31, a card company issuing a card 36, and a relay station 37 which transmits the information of the issued card to the portable terminal possessed by the applicant 31 using the aforementioned methods. do. Of course, the role of the relay station 37 may be directly performed by the card company 36. The communication network 38 of the mobile communication company corresponding to the mobile terminal is connected between the relay station 37 and the applicant 31 so as to RF-transmit card information to the mobile terminal possessed by the applicant 31. The relay stations 37 are connected via a telephone network (X.25). The payment system includes a mobile terminal 31 for optically transmitting the issued credit information, a credit inquiry terminal 33 for receiving credit information from a customer credit information signal transmitted by attaching an optical receiver 32 and a credit inquiry, and It consists of a payment institution 36 for credit confirmation and transaction approval. The payment institution 36 becomes a bank or a card company, and a transaction approval request is made through the bansa 35. The relay station 34 is selectively connected between the credit inquiry terminal 33 and the bansa 35 of the merchant.

The payment method by optical payment using the above portable terminal as a magnetic card can be applied to you. The present invention is applied to the toll gate toll settlement, which is a field of no-card use, so that tolls can be automatically settled at each toll gate without disturbing traffic flow.

Figure 4 shows the configuration of the toll gate toll settlement system to which the payment method by the optical payment of the present invention is applied. The system shown in FIG. 4 is provided with the control part 100,300 provided in each of the toll gate entrance side and the exit side, and the office computer 200. FIG. The entrance control unit 100 includes vehicle entry and departure detectors 102 and 103, a vehicle classifier 106, a pass ticket issuer 105, and a lane controller 101. The entrance control unit 100 includes a bidirectional optical transceiver 104 capable of transmitting and receiving. The exit side control unit 300 includes a lane controller 301, a vehicle detector 302, a fixed amount ticket checker 303, a receipt issuer 304, and a pass ticket processor 305. The outlet side control unit 300 includes a bidirectional optical transmitter 306 that can transmit and receive. The operation of the toll settlement in the toll gate system having such a configuration will be described in detail with reference to FIGS. 5 and 6.

When the vehicle arrives at the entrance of the toll gate at the departure point, the passenger points the optical payment transmitter that he carries toward the optical transmitter 104 located on the side of the entrance and then presses a transmission button. Then, the card information stored in the optical payment transmitter is transmitted in the form of an optical signal. The optical transmitter 104 receives the card information transmitted from the optical payment transmitter. The optical transceiver 104 checks the signal format of the received card information. When the signal format is normal that satisfies the determined protocol, the card information is transmitted to the lane controller 101. The lane controller 101 adds " 1 " to the number of waiting vehicles when the vehicle entry sensor 102 detects vehicle entry (step 321). Then, it is checked whether the entered vehicle is the light payment information transmitting vehicle (step 323). If the vehicle is a light payment information transmitting vehicle, the lane controller 101 transmits entrance-related entry information to the light through the optical transmitter 104 (step 324). The portable terminal, which is an optical payment transmitter, records entrance entrance information transmitted from the optical transmitter 104 in a memory. The entrance entry information includes information on the current toll gate, time information, and vehicle model. Vehicle types are classified through the vehicle classifier 106. If it is not the vehicle for transmitting the light payment information, the lane controller 101 transmits the entrance entry information to the pass issuer 105 to issue a passage containing the entrance entry information (step 325). After this process, the lane controller 101 displays a signal for approving the passage of the vehicle and notifies the driver of the passage (step 326). The lane controller 101 subtracts " 1 " from the number of waiting vehicles (step 328) when vehicle departure is detected by the vehicle departure detector 103 (step 327). The lane controller 101 transmits entrance and exit information for each vehicle to the corresponding office computer 200.

When the vehicle passing through the source toll gate reaches the destination toll gate, the driver (or passenger) directs the optical paper transmitter to the optical transmitter 306 attached to the toll gate access path and then presses the transmit button. Then, the optical paper transmitting apparatus optically transmits the built-in card information, and also optically transmits the entrance entrance information stored in the memory. The optical transmitter 306 receives the card information and the entrance entrance information which are optically transmitted from the optical paper transmitter. The optical transmitter 306 checks the signal format of the information transmitted from the optical paper transmitter. If the signal format is normal, the optical transceiver 306 transmits the received information to the lane controller 301. The lane controller 301 adds " 1 " to the number of waiting vehicles (step 332) when vehicle entry is detected by the vehicle detector 302 (step 331). Then, it is checked whether the entered vehicle is the light payment information transmitting vehicle (step 333). If the vehicle is a light payment information transmitting vehicle, the lane controller 301 calculates a toll for the corresponding toll section based on the transmitted information and collects the toll in association with the card information (step 334). The lane controller 301 records this transaction in the memory of the optical transmitter / receiver 306 and simultaneously transmits the transaction to the optical payment transmitter to record the accumulated amount of payment fees (step 335). This transaction history is also transmitted to the office computer 200 and recorded. On the other hand, if the vehicle is not a light payment information transmission, the pass right processor 305 receives the pass issued by the driver at the departure toll gate and collects the toll charges in cash or fixed amount (step 336). In the case of payment in a flat-rate ticket, the difference is displayed after the payment of the fee through the flat-rate checker 303 and returned. When a fee is collected through this process, a receipt is issued through the receipt issuer 304. The lane controller 301 displays the pass approval after the toll settlement is completed (step 337). The lane controller 301 subtracts " 1 " from the number of waiting vehicles (step 339) when vehicle entrance is detected by the vehicle detector 302 (step 338).

The office computer 200 checks whether the transaction history recorded for the entry / exit vehicle coincides with the transaction history recorded in the optical transceivers 104 and 306 attached to the toll gate at every predetermined time. The office computer 200 clears the records of the optical transmitters and receivers 104 and 306 when the two data match, and transmits the transaction details to an aggregation server (not shown). Here, the aggregation server is a central server that connects each office computer to the central control. The aggregate server checks whether the transaction history recorded in the office computer 200 and the aggregate data match and transmits the aggregate data to the batch card company server only when they match. Then, all the recorded data of the office computer 200 is cleared.

As described above, the payment system by the optical payment in the toll gate toll settlement system according to the present invention uses a bidirectional optical transmitter / receiver capable of transmitting and receiving optical signals such as payment information, toll gate information, and transit time of the toll user. By sending and receiving the entrance and exit information, it is possible to automatically pay the toll at each toll gate, and has the effect of preventing the leakage of personal information and providing a smooth passage of traffic.

Claims (4)

In the toll gate toll settlement system, An entrance control unit to which an optical transmitter and receiver are attached at an appropriate position of the access road to receive card information from the entrance vehicle, transmit entrance entrance information, and record transaction details; An exit side control unit having an optical transmitter and receiver attached to an appropriate position of the access road to receive card information and entrance entrance information from an entry vehicle, calculate a toll fee, and settle a payment, and record a transaction history; Receives and records the transaction details of the entrance control section and the exit control section, and compares the transaction details recorded at the entrance control section and the exit control section at a predetermined point in time, and if they match, the transaction history recorded in the entrance control section and the exit control section is recorded. Business office computer to clear and deliver the transaction details to the aggregation server; A mobile terminal for optically transmitting card information to an optical transmitter of an entrance side entrance and receiving entrance entrance information, and optically transmitting card information and entrance entrance information to an optical transmission receiver of an exit entrance and receiving transaction details; And Central office control by connecting each office computer, and counts the transaction details delivered and compares them with the transaction history recorded in the office computer. Photo payment system. According to claim 1, wherein the inlet side control unit A vehicle entry sensor for detecting a vehicle entry; An optical transmitter / receiver for checking the signal format of the received card information and transmitting the card information to the lane controller if the predetermined protocol is satisfied, and optically transmitting the entrance entrance information; A pass ticket issuer for issuing a pass containing entrance entrance information; And And a lane controller for confirming whether the vehicle is an optical payment information transmission vehicle and transmitting the entrance entrance information to one of the optical transceiver and the ticket issuer. The optical payment system of claim 2, wherein the entrance entry information includes information on a current toll gate, time information, and vehicle type. The method of claim 1, wherein the outlet side control unit A vehicle detector for detecting a vehicle entry; An optical transmitter and receiver that checks the signal format of the received card information and the entrance / entrance information, and if it is normal, transmits the information to the lane controller and records and transmits the toll collection details. And When the vehicle is detected, the vehicle checks whether it is a light payment information transmitting vehicle, and if it is confirmed as a light payment information transmitting vehicle, it calculates tolls as much as the corresponding toll section from the entrance entrance information, collects tolls in connection with the card information, and collects the collection details. Optical payment system having a lane controller for transmitting to the transceiver.