KR20030067193A - Internet phone and method for recharging and settling card using that - Google Patents

Abstract

PURPOSE: An Internet phone and a method for charging and settling a card using the same are provided to manage and charge the card conveniently by making the user charge a transportation card and perform the settlement of a pass-card through the Internet phone. CONSTITUTION: A card reader(40) reads the IC information including the card use information stored in the card and outputs the read information to a CPU(50). A fare charger(90) stores the charging price data of a transportation charging company received through a network connector(80) under the control of the CPU(50). A memory(60) stores the information including the list information of each bank and the address information of each bank server. The CPU(50) determines the settlement information such as an account number and the price from an output signal of the card reader(40), and connects to the bank server through the network connector(80) by reading the bank server address if a connection request is received from the card reader(40).

Description

Internet phone and card charging / payment method using same {INTERNET PHONE AND METHOD FOR RECHARGING AND SETTLING CARD USING THAT}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an internet phone. In particular, the present invention provides a phone service through the Internet, and has an IC lead device built therein to read information such as a transportation card, a credit card, and a department store card. The present invention relates to an internet phone and a card charging / payment method using the same.

The Internet is a new communication concept that has a lot of influence on personal life. That is, in the past, voice communication was made possible by connecting a wired or wireless telephone with a terminal of the other party through a PSDN or a wireless telephone network.However, with the advent of the Internet, a remote site can be accessed using an internet network without using an existing PSDN or wireless telephone network. You can now talk to someone on the phone.

As a call method using the Internet network, a PC to PC method using a headset (head set) that enables voice input and output by connecting to a PC and a PC that can be connected to the Internet network and the Internet network is used. The PC to PC method is still in use today. The voice information transmitted from the calling party's PC through the headset is transmitted to the receiving PC through the Internet and output through the receiving headset.

However, the PC to PC method requires a PC supporting an Internet service, a device functioning as a microphone and a speaker such as a headset, and the service is provided through an Internet communication support site while the PC is connected to the Internet for a call. Should be provided. Therefore, the user has to bear the disadvantages of cost, time loss, and hassle for making an internet call.

However, the shortcomings of the PC to PC have been solved by an internet phone (IP), also known as an IP phone, which has been developed as the Internet technology and the communication technology gradually progress. The Internet phone takes the form of a regular wired phone and has a built-in modem or VoIP device that supports the Internet protocol. It can be directly connected to the Internet without a PC or connected to a PC connected to the Internet. By using the network and the existing network to overcome the existing shortcomings and enable the PC to phone, and phone to phone.

Therefore, the user can make a call with the other party of the remote place at a price lower than the existing phone cost as with a normal phone.

However, the service needs of the user are not satisfied with the provision of the voice communication and the service added to the voice communication simply by using the Internet phone, and are required to provide various services using the Internet phone.

On the other hand, public transportation, such as buses and subways that are currently being used is equipped with a card recognition device to pay for the use fee with a card rather than cash so that users can easily and comfortably use public transportation. In this case, a smart card having an integrated chip (IC) such as a pass card, a credit card, or a department store card of a charging card or a general card company is used. A certain amount of money is charged to the card so that the amount is depleted when using public transportation. A pass card, a department store card, a credit card, etc. are a post-payment method.

By the way, when using the transportation card, if you run out of the full amount of charge, you have to recharge it, but you have to charge it only at the designated charging place, and in the case of a postpaid card, you cannot use it if you do not meet the payment date. have.

The present invention has been made to solve the above-mentioned problems, and an object of the present invention is to provide an internet phone for performing voice calls, transportation card charging, payment of credit cards, and the like.

1 is a block diagram of an Internet phone service network used by an Internet phone according to an embodiment of the present invention.

2 is a block diagram of an Internet phone according to an embodiment of the present invention.

3 is a perspective view of an Internet phone according to an embodiment of the present invention.

4 is a flowchart illustrating a voice call service operation of the Internet phone according to an embodiment of the present invention.

5 is a flowchart of card charging and transferring using an Internet phone according to an embodiment of the present invention.

Internet phone of the present invention according to the characteristics for achieving the above technical problem, a handset for input and output of voice, a keypad unit for dialing and function selection, a display unit for information display, a voice signal processor for the VoIP function, a packet to the network In the Internet phone including a network connection for transmitting and receiving, and a CPU for overall control of the device,

A card reader unit for reading and reading IC information stored in a card and outputting the read information to the CPU; And a charge charging unit configured to store the charge amount data of the transportation card charging company received through the network connection unit on the card under the control of the CPU, wherein the memory unit stores list information of each bank and address information of each bank server. And the CPU determines the payment information such as the payment account number and the use amount information from the output signal of the card reader unit, and stores the information stored in the memory unit if there is a connection request from the keypad unit to the corresponding bank. The address of the bank server is read to access the bank server through the network connection.

According to another aspect of the present invention, there is provided a card charging / payment method using an Internet phone, comprising: a first step of reading IC information stored in a card; A second step of displaying the card usage information among the read card IC information for the user to check; A third step of selecting banks by providing bank list information according to a user's transfer request; A fourth step of accessing a server of a bank selected by the user and performing an authentication procedure; A fifth step of, after completion of the authentication, making a transfer request to the bank server so that the amount designated by the user is transferred to the management company of the card; And a sixth step of receiving result data of the transfer request from the bank server.

Hereinafter, with reference to the accompanying drawings will be described an Internet phone according to an embodiment of the present invention.

First, an internet phone service network using an internet phone according to an embodiment of the present invention will be described with reference to FIG.

1 is a configuration diagram of an Internet phone service network used by an Internet phone according to an embodiment of the present invention, and more specifically, a configuration diagram of a VoIP service network. As shown in FIG. 1, the Internet phone service network includes an Internet network N1, a PSTN N2, and a mobile phone network N3 connected to each other by the VoIP gateway 200, and each network N1 and N2. , N3) are connected to a plurality of Internet phones 100, mobile terminals M, and general telephones T, respectively.

Here, the Internet phone connected to the Internet network (N1) is classified into a standalone Internet phone and an attached Internet phone according to the Internet access method. More specifically, the stand-alone Internet phone 10 is an Internet phone that directly accesses the Internet, and has a built-in voice over IP (VoIP) device, and the attached Internet phone 11 can perform a VoIP function. It connects to the Internet network N1 through a RG (Residential Gateway) connecting to (N1) or through an AG and PBX (private branch exchange) similar to RG.

The VoIP gateway 200 allows an internet network N1, a PSTN N2, or a mobile phone network N3 such as cellular, PCS, or IMT-2000 to access an existing service network.

In addition, the traffic network management system 300 and the respective bank server (410, 420, ...), card company server (510, 520, ...) is connected to the Internet network (N1). At this time, the bank servers (410, 420, ...) are connected to the bank common network (not shown) is connected to the Internet network (N1).

2 is a block diagram of an Internet phone according to an embodiment of the present invention. Internet phone 100 of the present invention is connected to the Internet network (N1) to be able to talk to the remote terminals (M, T), the user can check the information stored on the card and the bank server ( Or it is configured to enable the bank transfer by accessing the bank common network management server).

That is, as shown in Figure 2, the Internet phone of the present invention is a keypad unit (key pad 10), handset 20, voice processing unit 30, card reader unit (card reader: 40), CPU 50 , A memory unit 60, an LCD display unit 70, a network connection unit 80, and a charge charging unit 90.

The keypad unit 10 includes a plurality of function buttons for setting and selecting a user input and a built-in function, and a dial button for inputting a number such as a phone number input. When the corresponding function button or the dial button is turned on, a DTMF signal or The command signal is generated and output to the CPU 50.

The handset 20 performs a function of a microphone and a speaker for receiving and amplifying a user's voice or amplifying a voice signal to be output.

The voice processing unit 30 converts an analog voice signal from the handset 20 into data of an IP protocol format corresponding to the Internet network, and processes a signal applied from the outside to output the analog voice signal to the handset 20. In more detail, the voice processor 30 includes a PCM codec / coder 31, an AD / DA converter 32, and a voice codec 33. The PCM codec unit 31 modulates the voice signal input from the handset 20 to PCM (pulse code modulation) and outputs it to the AD / DA converter 32, and the PCM modulation input from the AD / DA converter 32. The signal is restored to an analog voice signal and output to the handset 20. The AD / DA converter 32 converts an analog signal input from the PCM codec unit 32 into a digital signal, converts a digital signal input from the voice codec unit 33 into an analog signal, and converts the PCM codec unit 31 into an analog signal. Will output The voice codec unit 33 compresses the digital signal converted by the AD / DA converter 32, restores the compressed digital voice signal input through the network connection unit 80, and then converts the AD / DA converter ( 32).

The card reader unit 40 is a device that reads information stored in a card (hereinafter referred to as a smart card) that contains an IC composed of a microprocessor and a memory.

Here, a card containing a microprocessor and a memory is called a smart card, which may be a contact card, a contactless card, a hybrid card, or a combi depending on how data is read. ) Are divided into cards.

A contact card is a type of card that is activated by contacting the card with the contact of the IFD when inserted into an interface device (IFD). It is a card made through the electromagnetic coupling of coils in the card and for the wireless communication with the IFD. A hybrid card is a card in which physically contacted and contactless cards exist in a separate form, and a combination card is identical in one card. A card that has a memory but has an external interface in two forms: contact and contactless.

The card reader unit 40 of the present invention is constituted by a device capable of reading all four types of cards, but is preferably configured to correspond to a contactless card and a hybrid card that output radio signals. In more detail, the card reader 40 is composed of a wireless signal output from a traffic card for a bus or subway, and a configuration for reading a wireless signal output from a credit card but having a traffic pass function. Read the usage history information.

At this time, since the radio signal output from the card is a radio frequency (RF) signal, a radio frequency signal, and an infrared signal, the internal configuration of the card reader unit 40 may be configured correspondingly.

It is obvious that a person skilled in the art can easily configure the card reader unit 40 according to the type of card and the type of wireless signal outputted as described above from a known IC card terminal or a credit card payment terminal.

The memory unit 60 includes a ROM and a RAM for storing a program for performing an overall operation of the Internet phone 100 and telephone number information input by a user.

The LCD display unit 70 displays letters, numbers, or symbols in liquid crystal so that a user can check the information determined by the CPU 50.

The network connection unit 80 serves as an interface of a local area network (LAN) or an internet network (N1) to packetize and transmit a signal processed by the CPU 50, or a packet received from the internet network (N1) or LAN. As a device for transferring the normalized data to the CPU 50, a transceiver for transmitting / receiving packets is built in. The transceiver may be an Ethernet transceiver or an Internet transceiver depending on the type of network to which the transceiver is connected.

The CPU 50 determines the telephone number of the destination from the DTMF signal input from the keypad unit 10, changes the stored function mode from the input of the signal corresponding to the function button, or controls the entire apparatus to operate the corresponding function. . The CPU 50 reads the IC information input from the card reader unit 40 and compares the read contents with the information stored in the memory unit 60 to determine whether the card is a traffic card or a credit card of a bank. In the case of a card, the amount of money consumed is determined and how much to be charged. The server address of the management company for the determined credit card is determined to determine a user's desired request, that is, a charge request and a payment request. ..), so that the charge is transferred from the bank server to the account of the transportation card management company server 300.

In addition, when the CPU 50 receives the traffic card charging data through the network connection unit 80, the CPU 50 compares the charge amount with the amount transferred from the bank to the traffic card management company 300 to determine whether it is correct. Output the data corresponding to the charge charging unit 90.

The charging unit 90 outputs data corresponding to the input charging amount as wireless data corresponding to the card read through the card reader unit 40.

Then, the CPU embedded in the card signals the wireless data received from the charge charging unit 90 and stores it in its own stored memory so that the usage fee is charged.

3 is a perspective view of an Internet phone according to an embodiment of the present invention. As shown in FIG. 3, the Internet phone 100 of the present invention has a handset 20 for inputting or outputting a voice signal, which is connected to the PCM codec unit 31 by wire, and forms a keypad unit 10. Buttons for setting and selecting various functions and numeric buttons for dialing are formed, and an LCD display unit 70 for displaying the operation status or stored information of the Internet phone is formed, and an insertion groove (p) is formed on one side. Is formed.

A traffic card or a pass card is inserted into the insertion groove p, and the inserted card can be recognized to be in contact with the card reader unit 40 or the card reader unit 40 can receive a radio signal output from the card. To the point where it is. At this time, the charge charging unit 90 is mounted in a position where the card to which the wireless signal to be output is inserted into the insertion groove p can be received.

In addition, one side of the Internet phone 100 is connected to an Internet-only line (eg, UTP cable) or a line connected to a PC.

Hereinafter, the voice call service operation of the Internet phone according to an embodiment of the present invention with reference to FIG.

4 is a flowchart illustrating a voice call service operation of the Internet phone according to an embodiment of the present invention. As shown in Figure 4, when the user operates the keypad unit 10 of the Internet phone 100 of the present invention to input the telephone number of the destination terminal, the CPU 50 is a DTMF signal input from the keypad unit 10 The phone number of the called terminal and the called network are determined (S410).

The called network may be one of an internet network N1, a PSTN N2, and a mobile communication network N3. Herein, the called network is called a PSTN (N2) which is a general public telephone network.

In response to the determination, the CPU 50 drives the network connection unit 80 to be connected to the Internet network N1 (S411), and then delivers the incoming telephone number to the PSTN (N2) through the VoIP gateway 200. (S412).

When the called phone number is delivered to the PSTN N2, the switch of the PSTN N2 determines the telephone to be received through the received phone number (S413), and establishes a call path with the called terminal T (S414).

Then, a ring signal is generated at the called terminal T, whereby a call between the called party and the caller is made. At this time, when the caller inputs the voice through the handset 20 (S415), the input voice signal is compressed by the PCM codec unit 31, the AD / DA converter 32, the voice codec unit 33 The digital voice signal is converted (S416), the network connection unit 80 is converted into a packet according to the Internet protocol and transmitted to the Internet network (N1) (S417).

The packetized voice data is transmitted to the destination terminal T through the Internet network N1, the VoIP gateway 200, and the PSTN N2, and is output as an analog voice signal by the destination terminal T (S418). ).

On the other hand, when the called party transmits the packetized voice data, the network connection unit 80 of the Internet phone 100 receives the packetized voice data and transfers it to the voice codec unit 33 (S419). Then, the voice codec unit 33, the AD / DA converter 32, and the PCM codec unit 31 recover the packetized voice data, convert the packetized voice data into an analog voice signal, and output the signal to the handset 20 so that the caller can call the recipient. The voice can be heard (S421).

Thus, the caller is provided with a general telephone, mobile telephone service through the Internet phone 100 of the present invention.

Hereinafter, a card charging / payment method using an Internet phone according to an embodiment of the present invention will be described with reference to FIG. 5.

Figure 5 is a flow chart of the card charging and transfer operation of the Internet phone according to an embodiment of the present invention. As shown in Fig. 5, the user inserts a traffic card or a pass card (credit card combined transportation card) into the home P of the Internet phone 100. Then, the card reader unit 40 receives the frequency generated from the inserted card, reads the IC information of the card, and transmits it to the CPU 50 (S510).

Then, the CPU 50 determines from the IC information of the card input from the card reader unit 40 the traffic pass use amount, the remaining amount, the card unique number, and the account number to be settled (S511).

In addition, the CPU 50 drives the LCD display unit 70 so that the user can check the IC information of the traffic card or the pass card determined as described above, and the displayed contents are used amount and remaining amount. (S512).

The user determines the charge amount (or payment amount) by checking the usage fee and remaining amount through the LCD display unit 70, and a keypad unit for selecting the charging (or payment) function if the user wants to charge (or transfer) ( Press the corresponding button of 10) (S513).

The CPU 50 reads the bank list information stored in the memory unit 60 according to a signal for the charging function input from the keypad unit 10 so that it is displayed on the LCD display unit 70 (S514). Then, the user selects a desired one from the bank list list using the direction change key of the keypad unit 10 (S515).

In this case, the memory unit 60 of the Internet phone 100 stores information for connecting to each bank server (or a bank common network management server), and the CPU 50 stores the information under the control of the CPU 50. To provide.

If the user selects one bank, the CPU 50 reads the server address of the selected bank from the memory unit 60, determines the bank address, and controls the network connection unit 80 to be connected to the determined bank server (S516).

When the Internet phone 100 is connected to the bank server, the bank server transmits initial access information to the Internet phone 100 as voice data or text data, and the Internet phone 100 connects the network connection unit 80 to the bank phone. Receive through.

The initial access information transmitted from the bank server is information for security, and asks for user identity information, opened account number, password of the account, and the like. The information received from such a bank server is output to the handset 20 or the LCD display unit 70 can be confirmed by the user, according to the received information, social security number, payment account number, password, transfer bank account number, transfer amount, Transfer passwords and the like are sequentially input through the keypad unit 10 (S517) to request a transfer.

Accordingly, the CPU 50 transmits a signal input through the keypad unit 10 to the bank server 410 or 420, ... through the network connection unit 80.

Then, the bank server (410, 420, ...) performs the transfer from the bank account to be paid according to the input signal to the transportation card management company or the transfer account of the card management company, and also informs the user of the transfer (S518) ).

When the bank server (410 or 420, ...) transfers to the transfer account of the transportation card management company (or card management company), the traffic card management system 300 corresponds to the transfer amount to the Internet phone (100) To transmit the data signal for the charge amount or electronic money, the Internet phone 100 receives through the network transmission unit 80 (S519).

When the network transmission unit 80 converts the charged amount data received in the packet into data that the CPU 50 can read and transmits the converted amount amount to the CPU 50, the CPU 50 determines the charged amount from the charged amount data. The bank server stored in the memory unit 60 compares the amount information transferred to the transportation card management company to determine whether the bank server is identical.

If the transfer amount and the charge amount match in the above determination, the CPU 50 outputs data corresponding to the charge amount to the charge charging unit 90, and the charge charging unit 90 outputs data corresponding to the input charging amount to the card. The wireless signal is converted to match the output to the card to be charged (S520).

On the other hand, when the bank server transfers the payment amount to the transfer account of the card manager, the card manager server will pay the amount used by the transfer amount.

At this time, the traffic card management system 300 can determine the information of the transfer customer is that when the Internet phone 100 of the present invention accesses the bank server, the phone number or unique identification number assigned to the bank server is transmitted to the bank server. This is because the bank server transmits the received telephone number or unique identification number of the Internet phone 100 to the transportation card management system 300 upon transfer.

On the other hand, when the card read by the card reader unit 40 of the present invention is an Internet card, that is, a card used to charge the electronic money, the Internet phone 100 of the present invention is described with reference to FIG. Through the same process, the money can be transferred to a company that provides electronic money so that the electronic money can be charged to the card.

In addition, the present invention has been described as charging and payment for the transportation fare as an embodiment, it is possible to perform a general credit card payment, that is, a postpaid payment. In the case of performing the postpaid payment, the user first accesses the card company server using the Internet phone 100 of the present invention to check the usage fee, and then accesses the bank server where the account is opened and the payment account of the card company ( This is accomplished by making a payment by transferring money to a payment bank account).

The technical spirit of the present invention has been described above with reference to the accompanying drawings, but this is by way of illustration of a preferred embodiment of the present invention by way of example and not by way of limitation.

In addition, it is obvious that any person skilled in the art can make various modifications and imitations without departing from the scope of the technical idea of the present invention.

The present invention has the effect of allowing a user to make a payment for a transportation card and a pass card through an Internet phone, thereby facilitating card management payment and card charge charging.

Claims (6)

Handset for input and output of voice, keypad for dialing and function selection, display for information display, voice signal processing unit for processing and encoding or decoding voice signals for VoIP function, network connection unit for transmitting and receiving packets to and from the network; In the Internet phone including a CPU for overall control of the device, A card reader unit for reading and reading IC information including card usage information stored in a card and outputting the read information to the CPU; And A charge charging unit configured to store the charge amount data of the transportation card charging company received through the network connection unit in the card under the control of the CPU; The memory unit stores information including list information of each bank and address information of each bank server, and the CPU determines payment information such as a payment account number and an amount of use information from the output signal of the card reader unit, and the keypad. And an Internet phone which reads an address of the bank server stored in the memory unit and connects to the bank server through the network connection unit when a connection request is made to the bank. The method of claim 1, The card reader unit Internet phone, characterized in that for receiving and reading the radio signal output from the card. The method of claim 1, The card reader unit contacts the card to activate the card to read the card usage information stored in the card. A first step of reading IC information stored in the card; A second step of displaying the card usage information among the read card IC information for the user to check; A third step of selecting banks by providing bank list information according to a user's transfer request; A fourth step of accessing a server of a bank selected by the user and performing an authentication procedure; A fifth step of, after completion of the authentication, making a transfer request to the bank server so that the amount designated by the user is transferred to the management company of the card; And And a sixth step of receiving result data of the transfer request from the bank server. The method of claim 4, wherein The fourth step, Provide the unique number information of the Internet phone to the bank server when performing the authentication procedure so that the card management company knows the unique number information of the Internet phone when the bank server performs a fee transfer to the card management company. Card charging / payment method using an Internet phone, characterized in that. The method of claim 4, wherein Receiving the charge charging data for card charging from the server of the card management company, and storing the received charge charging data in the card to charge the card using the Internet phone, characterized in that the card further comprises: /Payment Method.