KR20030007338A - System for controlling mobile device having credit card IC chip and method for credit card payment using the same - Google Patents

Abstract

PURPOSE: A system for controlling a mobile communication terminal having a credit card IC chip and a method for a credit card payment using the same are provided to manage a credit card payment effectively and induce a rapid transaction by managing information with respect to a credit card transaction disqualified person through a mobile communication service company, a credit card company, and a mobile communication terminal in real time. CONSTITUTION: A mobile communication terminal(10) includes a credit card IC chip. A mobile communication service company(20) is connected to the mobile communication terminal(10) through a mobile communication network and supplies a mobile communication service. A card reader(40) performs a process necessary for a credit card payment through a reading and writing operation with respect to the mobile communication terminal(10). A VAN server(50) is connected to the card reader(40) through a VAN network and processes a jon necessary for an approval and payment of a credit card. Each credit card company(30) is connected to the VAN server(50). The mobile communication service company(20) is connected to the credit card company(30). The VAN server(50) is connected between the mobile communication service company(20) and the credit card company(30), and connected to the card reader(40).

Description

System for controlling mobile device having credit card IC chip and method for credit card payment using the same}

The present invention relates to a control system of a mobile communication terminal having a credit card IC chip and a credit card payment method using the same, and more particularly, using a mobile communication terminal having an IC chip performing a credit card function. In the case of a card transaction, management of a so-called deny list having information on credit card transaction approval ineligible cards is carried out through a mobile service provider and a mobile terminal, thereby making it safer, faster and more efficient. The present invention relates to a control system and a payment method for performing a transaction.

As credit cards are widely used, various forms of credit cards have been proposed beyond the conventional method of using magnetic strips. For example, a method has been proposed in which an IC chip which performs some functions as a credit card can be embedded in a credit card and used as a credit card. In a strict sense, it is not a credit card itself but may be called a credit card payment method in a broad sense because it uses a chip that performs some or all of the functions as a credit card. . Hereinafter, in the present specification, in order to avoid confusion in such terms, the term "credit card payment method" refers to a "credit transaction method using an IC chip having a function as a credit card as well as the use of the credit card itself conventionally used. It shall be used in the meaning including ".

As the conventional technology, an IC chip inserted in a credit card and its operation will be briefly described.

FIG. 1 is a block diagram illustrating the driving principle of a credit card incorporating a conventionally used IC chip. As shown in FIG. 1, a credit card having an IC chip includes a coil that drives an embedded IC chip and serves as an antenna along the circumference of the credit card to transmit and receive data with an external card reader. It installs, drives the RF chip by inducing the voltage through the antenna by the RF radiated from the card reader, transmits and receives the necessary data by the RF, and performs the Read / Write operation.

The IC chip of FIG. 1 is usually composed of an EPROM or an EEPROM. As shown in FIG. 2, the IC chip may be divided into a common memory area and a unique memory area. Here, the common memory area may be defined as a readable area without a specific authentication means (for example, a public or private key), and the unique memory area may be defined as a read or write area only after authentication is performed through a specific key value. . However, this division is not essential, and in some cases, the entire IC chip may be used as a common memory area or a unique memory area.

In the common memory area, information related to the manufacturer such as the serial number, manufacturer, and date of manufacture of the chip manufacturer is usually recorded.In the unique memory area, information related to the credit card recorded from the credit card issuer is usually recorded. to be. For example, information such as a credit card number, expiration date (ie, all information necessary to perform a function as a credit card) is recorded from the credit card issuer. Here, the type of information recorded in the common memory area and the unique memory area, the recording area, etc. can be changed as many as possible, and it is also possible to select and configure the cooking according to the needs of a related company such as a manufacturer or an issuer. It should be noted that this is exemplary.

For example, since the common memory area can be arbitrarily read by a card reader or the like without a specific key value or the like, it is possible to record information that can be disclosed publicly, and the unique memory area must have a means such as a specific key value. Or, because it is a writeable area, important information (card number, amount used, date and time of use) can be recorded here.

When a payment function is implemented in, for example, a subway using a conventional credit card having such an IC chip, the following procedure is performed.

First, when the user brings the credit card to the card reader, the card reader reads data of a predetermined area of the IC chip to perform pre-payment processing to determine whether there is no problem with card payment. Pre-payment processing for determining whether there is a problem with the card payment means, for example, determining whether the card is a stolen or lost card or a card designated as a bad credit card transaction target. At this time, the determination of whether the card has been reported stolen or lost or the credit card transaction failure target card is made by a so-called rejection list (also called a Deny List, D / L, or Black List) held by the card reader. The reject list is transmitted and updated from the credit card company to the card reader via a card reader management server or the like at predetermined intervals.

In this way, if the card does not have a problem, the remaining processing required for the transaction, for example, the amount of use, the date and time of use, etc. are recorded in the IC chip, and the payment information necessary for card payment is stored in the card reader.

However, in this case, there is a fundamental problem in that the reject list must have data on each card reader (terminal) side. Because, as the number of card issuance increases, the reject list also increases, and eventually, the physical space for the reject list to be stored in the card reader must increase accordingly, which leads to a high cost structure.

In addition, even if the physical space for storing the rejection list is increased, in the process of determining whether the card belongs to the rejection list when performing a transaction, the larger the size of the rejection list itself is, the longer the delay occurs.

In addition, since the same reject list must be stored separately in each card reader, this is an inefficient method as a whole.

On the other hand, in recent years, a technology for embedding an IC chip capable of performing a credit card function in various mobile communication terminals such as a mobile phone and a PDA has been proposed. However, even in such a case, the management of the reject list is stored, maintained, and discriminated in each card reader (terminal) as described above.

In view of this, it can be said that there is a demand for a method of improving the credit card transaction method using the IC chip by managing the reject list more efficiently and at a lower cost in the credit card transaction method using the IC chip.

The present invention is to overcome this limitation, in performing a credit card payment method using a mobile communication terminal having an IC chip that implements a credit card function, a rejection list which is information on the ineligible credit card transaction A credit card IC chip that is more efficient, easier to maintain and leads to faster transactions by eliminating the need for a rejection list in a card reader by real-time online management through mobile service providers, credit card companies and mobile terminals. An object of the present invention is to provide a control system of a mobile communication terminal having a and a credit card payment method using the same.

1 is a block diagram illustrating the driving principle of a credit card incorporating a conventionally used IC chip;

2 is an example of the configuration of an IC chip;

3 is a block diagram showing a configuration and a mobile communication service provider of a mobile communication terminal having an IC chip for implementing a credit card function according to the present invention;

4 is a block diagram showing a configuration of a control system of a mobile communication terminal having a credit card IC chip according to the present invention;

5 is an example of a reject list identification data record;

6 is a reference diagram for explaining a procedure of controlling a mobile communication terminal under the system shown in FIG. 5;

7 is a block diagram showing the configuration of a credit card payment system using a mobile communication terminal having a credit card IC chip according to the present invention;

8 is a reference diagram showing an example of recording approval information and reject list discrimination data;

9 is a flowchart illustrating a process of performing a credit card payment process according to the present invention.

<Description of Signs of Major Parts of Drawings>

10 mobile communication terminals, 11 credit card IC chips,

12 credit card IC chip control unit, 13 central control unit,

14 antenna, 20 mobile service provider,

30 credit card companies, 40 card readers,

50 ... VAN server, 60 ... approved VAN server

The present invention for achieving the above object, in the control system of a mobile communication terminal having a credit card IC chip, the mobile communication terminal, providing a mobile communication service to the mobile communication terminal, each mobile communication terminal Is connected to a mobile communication service provider having availability data and / or availability data of a credit card IC chip provided in each mobile communication terminal through a mobile communication network, and the credit card IC chip of the mobile communication terminal is When the mobile communication terminal is in an incapable state of communication, it becomes in an unusable state, and the mobile communication service provider is required to switch each of the mobile communication terminals to an unusable state or is provided with a credit card IC chip provided in each mobile communication terminal. Cannot use credit card IC chip to the mobile terminal A control signal instructing to make a state, and the mobile communication terminal receiving the control signal is provided with a credit card IC chip, wherein the credit card IC chip is disabled in accordance with the control signal. It provides a control system of a mobile communication terminal.

The control system of the mobile communication terminal according to the present invention is further characterized in that the switching of the credit card IC chip into an unusable state is achieved by recording predetermined data in a predetermined area of the credit card IC chip.

In addition, the control system of the mobile communication terminal according to the present invention, the mobile communication service provider is connected to a credit card company, whether the mobile communication service provider has a credit card IC chip provided in each mobile communication terminal availability Data is based on control signals and / or data from the credit card company.

On the other hand, according to another aspect of the present invention, as a credit card payment method using a mobile communication terminal having a credit card IC chip, the mobile communication service provider connected through the mobile communication terminal and the mobile communication terminal, It has data of availability and / or data of the availability of credit card IC chip provided in each mobile communication terminal, and if each mobile communication terminal needs to switch to an unusable state or credit provided in each mobile communication terminal. When it is necessary to switch the card IC chip into an unusable state, a reject list recording signal is transmitted to the corresponding mobile communication terminal, and pre-approval information including a pre-approved balance in the first predetermined area of the credit card IC chip of the mobile communication terminal. Is recorded in the second predetermined area of the credit card IC chip of the mobile communication terminal. Rejection list discrimination data recorded based on a recording signal is recorded, and approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is determined by the mobile communication terminal according to a predetermined condition. A credit card payment method using a mobile communication terminal having a credit card IC chip, which is requested and updated by a credit card company server, wherein the card reader preprocesses the credit card payment for the credit card IC chip of the mobile communication terminal. Performing; A card reader reading preauthorization information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal, and preparing prepayment payment based on the preauthorization information; And performing a credit card payment processing by the card reader, and updating the approval information for the credit card IC chip of the mobile communication terminal. Provide a card payment method.

In addition, the credit card payment method using a mobile communication terminal having a credit card IC chip according to the present invention, the availability data of the credit card IC chip provided in each mobile communication terminal of the mobile communication service provider is credit card Another feature is that the server is updated in real time by a signal from the company server.

In addition, in the credit card settlement method using a mobile communication terminal having a credit card IC chip according to the present invention, the approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is the upper limit of the approved amount. And a predetermined condition that includes the sum, the lower limit, and the maximum number of approvals within a predetermined period, wherein the predetermined condition in which the approval information is updated is when the user request or the current approval balance is smaller than the lower limit of the approval amount. It is done.

In addition, in the credit card payment method using a mobile communication terminal having a credit card IC chip according to the present invention, when the mobile communication terminal requests the approval information update according to the predetermined condition, the number of approval approval updates is counted. The method may further include requesting to update the approval information only when the approval is updated within the maximum number of updates within the predetermined period.

Further, in the credit card payment method using a mobile communication terminal having a credit card IC chip according to the present invention, the step of performing the credit card payment pre-processing, the card reader is the second predetermined of the credit card IC chip Another feature is the step of reading the reject list determination data of the area.

In addition, in the credit card payment method using a mobile communication terminal having a credit card IC chip according to the present invention, the preparing of the prepaid payment may include: the first predetermined area of the credit card IC chip of the mobile communication terminal; It is another feature that the step of determining whether the approval balance included in the approval information recorded in the greater than or equal to the payment amount.

In addition, in the credit card payment method using a mobile communication terminal having a credit card IC chip according to the present invention, the step of performing the credit card payment processing and updating the approval information, subtract the payment amount from the approval balance Another feature is the step of replacing one balance with an approved balance.

In addition, in a credit card payment method using a mobile communication terminal having a credit card IC chip according to the present invention, the mobile communication terminal is another feature of switching the credit card IC chip to an unusable state when the communication is in an inactive state It is done.

On the other hand, according to another aspect of the present invention, a credit card payment method using a mobile communication terminal having a credit card IC chip, the mobile communication service provider connected through the mobile communication terminal and the mobile communication terminal, each mobile communication terminal Has data of availability and / or data of credit card IC chip provided in each mobile communication terminal, and each mobile communication terminal is required to switch to an unusable state or is provided in each mobile communication terminal. When the credit card IC chip is to be disabled, the reject list recording signal is transmitted to the mobile communication terminal, and the first predetermined area of the credit card IC chip of the mobile communication terminal includes an approved balance. Information is recorded, and the rejection is made in the second predetermined area of the credit card IC chip of the mobile communication terminal. Rejection list discrimination data recorded based on the test record signal is recorded, and the approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is updated in the mobile communication terminal according to a predetermined condition. A credit card payment method using a mobile communication terminal having a credit card IC chip, the method comprising: performing a credit card payment preprocess by a card reader on a credit card IC chip of the mobile communication terminal; A card reader reading preauthorization information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal, and preparing prepayment payment based on the preauthorization information; And performing a credit card payment processing by the card reader, and updating the approval information for the credit card IC chip of the mobile communication terminal. Provide a card payment method.

In addition, the availability data of the credit card IC chip provided in each mobile communication terminal owned by the mobile communication service provider is further characterized in that it is updated in real time by a signal from the server of the credit card company.

The approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal includes an upper limit amount, a lower limit amount, and a maximum number of approvals within a predetermined period, wherein the approval information is updated. The predetermined condition may be another case where the user request or the current approved balance is smaller than the lower limit of the approved amount.

In addition, when the mobile communication terminal requests the approval information update according to the predetermined condition, the approval approval update count is counted, and the approval information is updated only when it is within the maximum approval update range within the predetermined period. It is another feature.

The performing of the credit card pre-processing may further include the card reader reading the reject list determination data of the second predetermined area of the credit card IC chip.

The preparing of the first payment may include determining whether a first approval balance included in first approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is greater than or equal to the amount to be paid. It is another feature to include the step.

In addition, the step of performing the credit card payment processing and updating the approval information, characterized in that it comprises the step of replacing the balance after deducting the payment amount from the approval balance to the approval balance.

In addition, the mobile communication terminal is another feature of switching the credit card IC chip to an unusable state when the communication is disabled.

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

3 is a block diagram illustrating a configuration of a mobile communication terminal 10 having an IC chip for implementing a credit card function according to the present invention and a mobile communication service company. As shown in Fig. 3, the mobile communication terminal 10 according to the present invention is provided with an IC chip 11 (hereinafter simply referred to as a credit card IC chip) for implementing a credit card function, and the credit card IC chip ( A credit card IC chip controller 12 serving as a controller for controlling 11), and a central controller 13 for controlling the operation of the entire mobile communication terminal 10.

In addition, an antenna (coil) 14 for transmitting / receiving an RF signal for driving and operating the credit card IC chip 11 from (or to a card reader) as shown in FIG. 1 is formed.

Herein, the mobile communication terminal 10 is a terminal for transmitting / receiving voice / data through a mobile communication network, and includes a cellular phone, a PCS phone, a PDA having a mobile communication function, or a mobile computer. In addition, the internal configuration of the mobile communication terminal 10 of FIG. 3 includes other components in addition to those shown in FIG. 3, but parts not related to the present invention are omitted and detailed description thereof will be omitted.

The credit card IC chip 11 is a credit card IC chip 11 having a configuration and a function similar to those shown in Figs. 1 and 2, and provides basic information as a credit card for implementing a function as a credit card therein (credit card). Number, expiration date, etc.). Of course, in addition to such information, it may include other information (manufacturer identification information, card issuer identification information, etc.) for the necessary payment processing through the card reader. The credit card IC chip 11 is connected to the credit card IC chip control unit 12, and when the card reader approaches the card reader within a predetermined distance, it is driven by RF to transmit and receive data to and from the card reader according to a predetermined procedure. Perform the necessary procedures for payment.

The credit card IC chip control unit 12 of FIG. 3 is a controller that controls various operations including the enabled / disabled state of the credit card IC chip 11, and basically performs the following operations.

1) Send and receive control signals and data from the central control unit 13 to transmit and receive various control signals and data required for the credit card IC chip 11, and access a specific area of the credit card IC chip 11, Data can be recorded.

2) The enable / disable state of the credit card IC chip 11 is controlled. As described in FIG. 1, the IC chip itself can be driven by RF from a card reader without a power source, but the credit card IC chip 11 of FIG. 3 can be enabled / disabled by the credit card IC chip controller 12. Configure it to switch to state. Basically, the enable / disable state of the credit card IC chip 11 is controlled according to the enable / disable state of the mobile communication terminal 10, but this is not necessarily the case.

By this operation, it is possible to control the use of the credit card IC chip 11, and also to avoid storing the reject list in the card reader, which will be described in detail with reference to FIG.

4 is a block diagram showing the configuration of a control system of a mobile communication terminal having a credit card IC chip according to the present invention.

The system of FIG. 4 comprises a mobile communication terminal 10 having a credit card IC chip 11 and a mobile communication service company 20 connected to the mobile communication terminal 10 via a mobile communication network.

The mobile communication service provider 20 has availability data 21 of each mobile communication terminal and / or availability data 22 of a credit card IC chip 11 provided in each mobile communication terminal.

Here, the availability data 21 of each mobile communication terminal serves as a rejection list for the mobile communication terminal 10 itself, and whether the credit card IC chip 11 provided in each mobile communication terminal can be used. The data 22 serves as a reject list for the credit card IC chip 11.

The availability data 21 of each mobile communication terminal is data indicating whether or not the mobile communication terminal is usable / disabled, for example, when the mobile communication terminal itself is lost, and a credit card IC provided in each mobile communication terminal. The availability data 22 of the chip 11 means data indicating whether or not the IC chip 11 as a credit card is enabled / disabled by notification from the credit card company 30. To this end, the mobile communication service company 20 is connected to the credit card company 30 manages the credit card IC chip availability data 22 in real time.

On the other hand, it is preferable that the credit card IC chip 11 of the mobile communication terminal 10 to be in an unusable state when the mobile communication terminal is in a communication disabled state. The incommunication state includes all cases where the power of the mobile communication terminal is turned off or the call is released, and includes all cases where the mobile communication terminal cannot communicate with the mobile communication service provider. . This is, for example, to prevent the user who has acquired the mobile communication terminal from turning off the power of the mobile communication terminal 10 and using the credit card IC chip 11 when the user loses the mobile communication terminal. This is because the credit card IC chip 11 itself can be driven through the external RF by the antenna as described above. Therefore, in order to prevent the use of the credit card IC chip 11 due to loss of the mobile communication terminal 10 or the like, the use of the credit card IC chip 11 may be used depending on whether the mobile communication terminal 10 is enabled or disabled. It is desirable to work on / off state.

On the other hand, the mobile communication service provider 20 is required to switch the respective mobile communication terminal 10 to the unusable state or to switch to the unusable state of the credit card IC chip provided in each mobile communication terminal Sends a control signal instructing the mobile communication terminal 10 to disable the credit card IC chip, and the mobile communication terminal 10 having received the control signal transmits the control signal according to the control signal. The chip 11 is switched to an unusable state.

Here, the meaning of switching the credit card IC chip to the "unusable" state is as follows. First, it can be meant to physically stop the drive itself. Secondly, this can be done by recording identification data indicating that the credit card is physically driveable but included in the reject list in a predetermined area of the credit card IC chip 11.

If physically impossible to drive, when you want to process the payment through the mobile terminal 10, the card reader, etc., there is no reaction from the reader side can prevent use.

When the reject list identification data is recorded in a predetermined area of the chip 11, when the terminal 10 reads the terminal 10 by the card reader, it is determined whether the reject list identification data is included, and if there is no problem, the next step is performed. It will allow you to proceed and, if there is a problem, stop the transaction, preventing fraud.

The reject list identification data is recorded by, for example, recording in a predetermined area of the unique memory area as shown in FIG. Of course, the type, length and the like of the data can be selected according to necessity. In FIG. 5, the data is recorded in the unique memory area, but it may be recorded in the common memory area depending on circumstances.

A procedure for controlling the mobile communication terminal under the system as shown in FIG. 5 will be described with reference to FIG. 6. 6 illustrates a case in which a user carrying a terminal having an IC chip loses a report to a mobile communication service provider when the terminal itself is lost.

For example, when the user loses the mobile communication terminal 10 having the credit card IC chip 11, the user reports the loss of the mobile communication terminal to the mobile communication service company. At this time, after the mobile communication service provider takes necessary measures such as stopping the use of the mobile communication terminal itself, the mobile communication service provider determines whether the terminal user is provided with the IC chip 11, and holds the terminal having the credit card IC chip 11. In case of, the control signal is transmitted to the corresponding mobile communication terminal 11 to instruct to switch the credit card IC chip into an unusable state. Accordingly, the terminal 10 switches the credit card IC chip into an unusable state as described with reference to FIGS. 4 and 5. Therefore, when the terminal 10 is used against the card reader, an error message or a response is not made.

In FIG. 6, the user may report a loss to the card company, etc. In this case, the mobile communication service provider 20 records the data 22 and transmits a control signal to the terminal 10 by notification from the card company.

In addition, even if the user reports the loss to the mobile communication service provider 20, the first notice to the card company 30 and the control signal to switch the terminal 10 to the unusable state by the instruction from the card company 30 Of course, you can also send.

Through this process, the rejection list is managed by the mobile communication service provider and the card company, and therefore, there is no need to store a separate rejection list on the card reader side, and no confirmation process is required, so that a faster and more efficient transaction can be performed. do.

7 is a block diagram showing the configuration of a credit card payment system using a mobile communication terminal having a credit card IC chip according to the present invention.

As shown in FIG. 7, the system is connected to a mobile communication terminal 10 having a credit card IC chip 11 and the mobile communication terminal 10 through a mobile communication network to provide a mobile communication service. A card reader 40 for performing a process required for credit card payment through a read, read and / or write operation with respect to the mobile communication service provider 20 and the mobile communication terminal 10 having the credit card IC chip; And a VAN server 50 connected to the card reader 20 through a VAN network to process operations required for credit card approval and payment, and each credit card company 30 connected to the VAN server 50. do. In addition, the mobile communication service provider 20 is directly connected to the credit card company 30, and the pre-approved VAN server 60 that performs the procedure required for approval is the mobile communication service provider 20 and the credit card company 30 ) Is also connected to the card reader 40.

The mobile communication terminal 10 includes a credit card IC chip 11 that performs a credit card function, and the card reader 40 performs a read, read and / or write operation with respect to the credit card IC chip 11. Proceed with the necessary procedures for card payment.

The VAN server 50 and the credit card company 30 are general ones, and thus will not be described in detail.

The pre-approved VAN server 60 performs all processing related to pre-approval given to the mobile communication terminal, receives a pre-approval from the credit card company 30, and transmits the pre-approval to the mobile communication service provider, and also from the card reader 40. After receiving and paying the credit card transaction information of the credit card company 30 sends and receives the necessary data.

In FIG. 7, the mobile communication service provider 20 uses the availability data 21 of each mobile communication terminal and / or the credit card IC chip 11 provided in each mobile communication terminal, as described in FIG. 4. If there is availability data 22, and each mobile communication terminal 10 needs to be switched to an unusable state, or if the credit card IC chip provided in each mobile communication terminal is to be disabled, The reject list recording signal is transmitted to the communication terminal 10 side.

Here, the "unusable state" has the meaning as described in FIG.

In addition, the "reject list recording signal" refers to a predetermined area of the credit card IC chip 11 in order to disable the credit card IC chip toward the mobile communication terminal 10 as described in FIG. 4. It means an instruction signal to record the reject list discrimination data indicating that the credit card IC chip included in the reject list.

On the other hand, the availability data 22 of the credit card IC chip provided in each mobile communication terminal of the mobile communication service provider 20 may be updated in real time by a signal from the credit card company.

On the other hand, the mobile communication terminal of FIG. 7 switches the credit card IC chip to an unusable state when the communication is not available (for example, the power is turned off or the call is released).

In addition, approval information including the current approval balance is recorded in the first predetermined area of the credit card IC chip 11 of the mobile communication terminal 10. Here, " preauthorization " refers to the amount set by the card company 30 and the contract in advance with respect to the amount that can be used by the credit card IC chip 11. For example, if the approved amount is 100,000 won according to the agreement with the card company 30, the approved amount is recorded in a predetermined area of the credit card IC chip 11, and this approved amount is used each time the IC chip 11 is used. Pre-approval means to subtract payment amount from. The approval information for such approval may include a current approval balance, an upper limit of the approval amount, a lower limit amount, and a maximum number of approvals within a predetermined period. In addition, the approval information may include the approval number, which is a unique identification number assigned when the approval is granted through the approval VAN server 60 and the credit card company 30, This preliminary approval number is used to perform processing such as settlement of the use amount for each predetermined period.

On the other hand, the second predetermined area of the credit card IC chip 11 of the mobile communication terminal 10 is recorded based on the reject list recording signal, and the card reader determines whether the IC chip 11 is included in the reject list. Rejection list discrimination data is recorded so that it can be done.

An example of recording such approval information and reject list discrimination data is shown in FIG.

Meanwhile, the approval information recorded in the first predetermined area of the credit card IC chip 11 of the mobile communication terminal 10 of FIG. 7 is transmitted to the credit card company server through the mobile communication service provider according to the predetermined condition. Updated by request.

Here, the predetermined condition may be a case of a user request. Alternatively, the above approved information may be a case where the current approved balance is smaller than the lower limit of the approved amount. Whether or not the current approved balance is smaller than the lower limit of the approved amount can be determined by a predetermined period. For example, it may be checked every 30 minutes, and if the balance is smaller than the lower limit, the mobile communication service provider 20 may request a new approval from the card company 30.

On the other hand, when the mobile communication terminal 10 requests the approval information update, the terminal 10 itself counts the number of approval approvals, and the maximum approval number of updates within a predetermined period included in the approval information. Only if it is not over can it be requested to update the approval information. This is one method for preventing excessive card use through the use of the IC chip 11 by limiting the number of approvals within a predetermined period and minimizing the burden caused by loss or theft.

In this state, a process of performing a credit card payment process using the mobile communication terminal 10 through a card reader will be described with reference to the flowchart of FIG. 9.

First, the card reader performs a credit card payment preprocess on the credit card IC chip 11 of the mobile communication terminal 10 (S100).

Herein, the payment preprocessing means all the necessary processing steps before the actual card payment processing is performed in the card reader 40 using the IC chip 11. In this process, for example, when the IC chip is placed on the reader, the reader reads data of a specific area of the IC chip to check whether the chip itself is in error, or the key value is read by the reader based on the data of the specific area of the IC chip. It includes the process of preparing to read the data of the specific area of the IC chip by transferring to the chip. That is, it means a kind of setup process required between the chip 11 and the reader 40 to perform the payment process itself. In addition, in this invention, using reject list determination data is also included in the pre-payment process. That is, the process of determining whether the chip 11 is usable / disabled by reading the reject list discrimination data recorded in the predetermined area of the chip 11 by the reader 40 is also included in the pre-payment process.

Next, a pre-approval payment preparation process is performed (S200). The preliminary approval settlement preparation process includes reading the preauthorization information recorded in the predetermined region of the chip 11 and determining whether the current preliminary balance included in the preauthorization information is greater than or equal to the amount to be paid. . That is, it is determined whether the amount to be paid currently can be paid by the approved balance recorded in the chip 11. If the current prepaid balance is smaller than the payment amount, an error message is output and the procedure ends.

If the pre-approval payment preparation process is passed, the payment process is performed and the pre-approval information is updated (S300). Performing the settlement process includes subtracting the settlement amount from the current pre-approved balance of the chip 11 and replacing the subtracted balance with the current pre-approved balance. In addition, the process of storing the card payment information necessary for settlement in the reader 40 to the credit card company 30 through the VAN server later.

Meanwhile, in the embodiment of FIG. 9, the mobile communication terminal 10 has been described as receiving approval from the credit card company 30 through the mobile communication service company, but the mobile communication terminal 10 re-approves the approval by itself. It can also be configured to. The re-grant of the pre-approval by the terminal means that the pre-approval amount of the predetermined area is changed by the control module inside the terminal. Even in this case, the re-grant may be a case where the user request or the current pre-approval balance is smaller than the lower limit. In this case, however, it would be desirable to secure a higher number of approvals and a lower amount of approvals for the safety of the transaction.

In the above, preferred embodiments of the present invention have been described, but various modifications and changes can be made without departing from the spirit of the present invention. For example, in the above embodiments, the RF card has been described as an example, but the present invention is not limited thereto. For example, the present invention can be applied to a method such as using a contact smart card or IrDA.

According to the present invention, in performing a credit card payment method using a mobile communication terminal having an IC chip that implements a credit card function, a rejection list, which is information on a credit card transaction ineligible subject, is provided by a mobile communication service company or a credit card company. And a credit card IC chip capable of more efficient, convenient maintenance, and prompt transaction, by eliminating the need for a rejection list in the card reader by real-time online management through the mobile communication terminal. It is possible to provide a control system and a credit card payment method using the same.

Claims (19)

In the control system of a mobile communication terminal having a credit card IC chip, The mobile communication terminal provides a mobile communication service to the mobile communication terminal, and has a mobile communication service having availability data of each mobile communication terminal and / or availability data of a credit card IC chip provided in each mobile communication terminal. The credit card IC chip of the mobile communication terminal is disabled when the mobile communication terminal is in an incapable communication state. When the mobile communication service provider needs to switch each mobile communication terminal to an unusable state or when it is necessary to convert a credit card IC chip provided in each mobile communication terminal into an unusable state, the mobile communication service provider can use the credit card to the mobile communication terminal. Transmits a control signal instructing the IC chip to be disabled, The mobile communication terminal receiving the control signal is a control system of a mobile communication terminal having a credit card IC chip, characterized in that for switching the credit card IC chip into an unusable state according to the control signal. The method of claim 1, The switching of the credit card IC chip into an unusable state is performed by recording predetermined data in a predetermined area of the credit card IC chip. The method according to claim 1 or 2, The mobile service provider is connected to a credit card company, Data on whether the credit card IC chip provided in each mobile communication terminal of the mobile communication service provider is usable is based on a control signal and / or data from the credit card company. Control system of a mobile communication terminal provided. A credit card payment method using a mobile communication terminal having a credit card IC chip, The mobile communication service provider connected to the mobile communication terminal through a mobile communication network has data on availability of each mobile communication terminal and / or data on availability of credit card IC chips provided in each mobile communication terminal. When the communication terminal needs to be in an unusable state or when the credit card IC chip provided in each mobile communication terminal needs to be in an unusable state, a reject list recording signal is transmitted to the corresponding mobile communication terminal. In the first predetermined area of the credit card IC chip of the mobile communication terminal, preauthorization information including the approved balance is recorded, and the reject list recording signal is recorded in the second predetermined area of the credit card IC chip of the mobile communication terminal. Rejection list discrimination data recorded according to this is recorded. The approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is updated by the mobile communication terminal requested by the credit card company server through the mobile communication service provider according to a predetermined condition. In the credit card payment method using a mobile communication terminal having a, A card reader performing credit card payment preprocessing on the credit card IC chip of the mobile communication terminal; A card reader reading preauthorization information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal, and preparing prepayment payment based on the preauthorization information; And Performing a credit card payment process by the card reader, and updating the approval information for the credit card IC chip of the mobile communication terminal. Credit card payment method using a mobile communication terminal having a credit card IC chip comprising a. The method of claim 4, wherein The availability data of the credit card IC chip provided in each mobile communication terminal of the mobile communication service provider, Updated in real time by signals from the credit card company's server Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 4, wherein The approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal includes an upper limit amount, a lower limit amount, and a maximum number of approvals within a predetermined period of time, The predetermined condition in which the approval information is updated is when the user request or the current approval balance is smaller than the lower limit of the approval amount. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 6, When the mobile communication terminal requests the approval information update according to the predetermined condition, counting the approval approval update number, and requesting the approval approval information update only when the mobile communication terminal is within the maximum approval update range within the predetermined period. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 4, wherein The step of performing the credit card pre-processing, The card reader reading the reject list determination data of the second predetermined area of the credit card IC chip. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 4, wherein Preparing the prepaid payment, Determining whether the approval balance included in the approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is greater than or equal to the amount to be paid. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 4, wherein Performing the credit card payment processing and updating the approval information, Replacing the balance deducted from the prepaid balance by the prepaid balance; Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 4, wherein The mobile communication terminal is to switch the credit card IC chip into an unusable state when it is in an incapable communication state. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. A credit card payment method using a mobile communication terminal having a credit card IC chip, The mobile communication service provider connected to the mobile communication terminal through a mobile communication network has data on availability of each mobile communication terminal and / or data on availability of a credit card IC chip provided in each mobile communication terminal. When the communication terminal needs to be disabled or when the credit card IC chip included in each mobile communication terminal needs to be disabled, the mobile terminal transmits a reject list recording signal. In the first predetermined area of the credit card IC chip of the mobile communication terminal, preauthorization information including the approved balance is recorded, and the reject list recording signal is recorded in the second predetermined area of the credit card IC chip of the mobile communication terminal. Rejection list discrimination data recorded according to this is recorded. In the credit card payment method using a mobile communication terminal having a credit card IC chip, the approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is updated in the mobile communication terminal according to a predetermined condition. In A card reader performing credit card payment preprocessing on the credit card IC chip of the mobile communication terminal; A card reader reading preauthorization information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal, and preparing prepayment payment based on the preauthorization information; And Performing a credit card payment process by the card reader, and updating the approval information for the credit card IC chip of the mobile communication terminal. Credit card payment method using a mobile communication terminal having a credit card IC chip comprising a. The method of claim 12, The availability data of the credit card IC chip provided in each mobile communication terminal owned by the mobile communication service provider is Updated in real time by signals from the credit card company's server Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 12, The approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal includes an upper limit amount, a lower limit amount, and a maximum number of approvals within a predetermined period of time, The predetermined condition in which the approval information is updated is when the user request or the current approval balance is smaller than the lower limit of the approval amount. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 14, When the mobile communication terminal requests to update the approval information according to the predetermined condition, counting the approval approval number of times, and updating the approval information only when it is within the predetermined maximum updating frequency range within the predetermined period. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 12, The step of performing the credit card pre-processing, The card reader reading the reject list determination data of the second predetermined area of the credit card IC chip. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 12, Preparing the prepaid payment, Determining whether the approval balance included in the approval information recorded in the first predetermined area of the credit card IC chip of the mobile communication terminal is greater than or equal to the amount to be paid. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 12, Performing the credit card payment processing and updating the approval information, Replacing the balance deducted from the prepaid balance by the prepaid balance; Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that. The method of claim 12, The mobile communication terminal is to switch the credit card IC chip into an unusable state when it is in an incapable communication state. Credit card payment method using a mobile communication terminal having a credit card IC chip, characterized in that.