KR20050047310A - System and method for charging the prepaid card function in mobile devices - Google Patents

Abstract

According to the present invention, a card having a radio frequency identification (RFID) tag for storing at least one payment means and predetermined wireless ID tag information associated with the payment means, and a predetermined prepaid card function are provided. A method and system for charging a prepaid card function in a wireless terminal, comprising a wireless terminal provided and a server or device for charging a prepaid card function provided in the wireless terminal. Thereby, the charge amount can be easily charged to the prepaid card function provided in the wireless terminal using a card owned by the customer provided with the wireless ID tag.

Description

System and Method for Charging the Prepaid Card Function in Mobile Devices}

The present invention provides a predetermined prepaid card function provided in a wireless terminal using a card having a radio frequency identification (ID) tag for storing at least one payment means and predetermined wireless ID tag information associated with the payment means. Prepaid Card Function), which charges the recharge amount, the payment means information of the payment means provided on the card issued to the customer in a storage medium on the network, and the wireless ID tag of the wireless ID tag attached to the card provided with the payment means. After linking and storing the information, the wireless terminal extracts and reads the wireless ID tag information associated with the payment means of the card from the wireless ID tag attached to the card owned by the customer, and transmits the wireless ID tag information to the server. And extracting the payment means information of the payment means associated with the wireless ID tag information from the storage medium by the server, and Submitted payment method information to provide a prepaid card function within a wireless terminal pre-paid card function charging system and method as the method of payment for the charge amount charged included in the wireless terminal.

Prepaid Cards issue cards by recording the payment limit and / or the number of times used on the card, providing the customer with the amount of the recorded payment limit and / or the number of times of use, and the products purchased from the merchant and And / or a payment method for deducting the corresponding payment amount or the number of times of use in the payment process for the service and recording it on the card, and paying the payment in advance, but the payment process is made with a shadow account. It features.

The prepaid card pays the amount prepaid, so that prepaid card customers, like credit cards, purchase goods and / or services without a direct payment of cash, and for card issuers reduce the amount of overdue and / or unnecessary banpies. Although it may be a payment method, the process of paying the prepaid amount of payment, that is, the cumbersome process of charging the prepaid amount of the prepaid card includes an inconvenient problem.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to wirelessly process a wireless ID tag information provided in a wireless ID tag provided on a card and at least one payment means provided on the card, and then the wireless terminal The wireless ID tag information is extracted from the ID tag, and the charging amount is simply charged to the prepaid card function provided in the wireless terminal by using the payment means associated with the wireless ID tag information.

Another object of the present invention is to provide a prepaid card function provided in the wireless terminal in the amount of charge, the process of inputting the payment means information and / or card information to the wireless terminal provided with a wireless card owned by the customer This is done automatically through the ID tag. As a result, a simple prepaid card charging is provided in which a cumbersome input process of a customer is omitted.

The present invention provides a predetermined prepayment provided in a wireless terminal using a card owned by a customer having at least one or more payment means and a radio frequency identification (RFID) tag for storing predetermined wireless ID tag information associated with the payment means. The prepaid card function charging system in the wireless terminal that charges a prepaid card function charge amount is attached to a specific card, and is processed in association with at least one payment means information provided in the specific card. A wireless ID tag for storing predetermined wireless ID tag information, a storage medium for linking and storing wireless ID tag information stored in the wireless ID tag and payment means information associated with the wireless ID tag information, and a wireless terminal provided in the wireless terminal; In order to charge the prepaid card function, the wireless ID tag information is read from the wireless ID tag. Receiving a wireless terminal providing the read wireless ID tag information and the prepaid card function charge amount information to a server or a device, and receiving the wireless ID tag information provided from the wireless terminal, and being associated with the received wireless ID tag information. Extract predetermined payment means information and / or card information from the storage medium, and prepay in the wireless terminal by the amount of the charge using the payment means and / or card through the extracted payment means information and / or card information. It characterized in that it comprises a server or device for charging the card function.

According to the present invention, at least one payment means is provided, and a card having a wireless ID tag attached therein for storing wireless ID tag information processed in association with the payment means includes an IC card and an MS equipped with an IC (Integrated Circuit) chip. Magnetic Stripe) is characterized in that it includes both the MS card and the like.

According to the present invention, in the card manufacturing process and issuing process, the card is attached with a wireless ID tag for storing at least one or more payment means and wireless ID tag information associated with the payment means, which is provided in the card The payment means includes at least one of a credit card, a debit card, a check card, a prepaid card, and an electronic wallet.

According to a preferred embodiment of the present invention, the wireless ID tag information is processed in association with and stored in the storage medium, the payment means information for at least one or more payment means provided on the card and / or the wireless ID tag is attached And card information of the card. In particular, the payment means information associated with the wireless ID tag information, characterized in that at least one or more payment means provided in the card, includes all the information required to process the payment using a specific payment means. For example, if the payment method is a credit card, the payment method information corresponds to credit card information including a credit card number, an expiration date, and the like.

According to the present invention, the wireless ID tag attached to the card includes a memory unit for storing predetermined information data processed in association with payment means information of at least one or more payment means provided in the card as predetermined wireless ID tag information. And an antenna unit for providing the wireless ID tag information stored in the memory unit to a predetermined reading device or a terminal, wherein the wireless ID tag information stored in the memory unit of the wireless ID tag, the structure of the memory unit, and the like. Is generated and / or determined by a card issuing agency and / or a RIFD manufacturing organization in the card manufacturing process and issuing process, and recording the wireless ID tag information in the memory unit of the wireless ID tag during the card manufacturing process and issuing process. Performed by a RIFD manufacturing organization, the wireless ID tag information stored in the memory unit of the wireless ID tag and the associated processing Registering the payment means information of the means in the storage medium on the network is performed by the card issuing agency during the card manufacturing process and issuance process, or after the card is issued to the customer, the customer may access the storage medium through at least one or more communication means. This is done through a registration process.

According to the present invention, the wireless ID tag information stored in the wireless ID tag is stored, including a predetermined non-overlapping unique code provided to be associated with the payment means information of at least one or more payment means provided in the card. The unique code, which is not duplicated, conforms to the wireless ID tag-related standard and also identifies a specific card issued to a specific customer among cards of the same type as a unique code included in the execution data among the RIFD tag information stored in the wireless ID tag. The wireless ID tag information including the non-overlapping unique code and the payment means information associated with the same are stored in a storage medium on the network, so that the charging amount of the prepaid card function in the wireless terminal is charged. The server or device is based on the wireless ID tag information received from the wireless terminal. The prepaid card function provides a basis for determining a payment means for charging a charged amount.

According to a preferred embodiment of the present invention, the wireless ID tag information is provided corresponding to a predetermined decryption key decrypted by a wireless terminal for extracting and reading the wireless ID tag information from the wireless ID tag for high security. At least one server and / or device present on the path through which the wireless ID tag information transmitted from the wireless terminal is transmitted, and / or encrypted by the encryption key of the wireless ID tag information. Is encrypted and stored with a predetermined encryption key provided corresponding to a predetermined decryption key decrypted by a server and / or an apparatus for receiving the information, or extracts and reads the wireless ID tag information from a wireless ID tag. Predetermined to correspond to a predetermined decryption key decrypted by the wireless terminal Secondary encryption is performed by a predetermined encryption key which is first encrypted and stored by an encryption key, and corresponds to a predetermined decryption key which is decrypted by a path through which the wireless ID tag information is transmitted and / or a server and / or a device that is received. And is stored.

However, in the case where the wireless ID tag information is encrypted, the encryption and / or decryption algorithm may use all kinds of encryption and / or decryption algorithms applicable between the wireless terminal and the server. The encryption method of information is not limited to a specific method.

In the case of the wireless ID tag information encrypted as described above, even if wireless ID tag information is extracted from another wireless ID reading device and / or terminal other than the wireless terminal, the specific content thereof is not read. In particular, since wireless ID tag information encrypted to be decrypted by a specific customer's wireless terminal is not decrypted by a wireless terminal other than the wireless terminal, even if one of the cards or the wireless terminal is lost, the wireless ID tag may be inappropriately transmitted. You can prevent the prepaid card from charging.

According to the present invention, a storage medium for linking and storing wireless ID tag information stored in the wireless ID tag and payment means information and / or card information associated with the wireless ID tag information may be stored in a network accessible to a wireless terminal of a customer. A database (D / B) provided in a digital storage device and / or a server on a network, the charge amount is charged to the prepaid card function in the wireless terminal based on the wireless ID tag information provided by the wireless terminal. The server or device, or the card company server or financial company server and / or VAN (Value Added Network) server and / or the mobile communication company server is characterized in that it is located.

According to a preferred embodiment of the present invention, the storage medium further includes wireless ID tag information stored in a wireless ID tag attached to a card and payment means information and / or card information associated with the wireless ID tag information. Personal information (e.g., name, social security number, etc.) and / or wireless terminal information (e.g., wireless terminal phone number, serial number, etc.) and / or IC chip information (e.g., IC chip serial number) mounted or detached from the wireless terminal. , The authentication certificate information, biometric information, etc.) provided in the IC chip is preferably further stored. To this end, the process of providing the wireless ID tag information and payment means information and / or card information associated with the storage medium, or in addition to or after the customer's personal information, wireless terminal information, and / or in the wireless terminal The process of providing and storing the integrated IC chip information is further performed.

According to the present invention, a wireless terminal for extracting and reading wireless ID tag information stored in the wireless ID tag and providing the same to the server or device includes a predetermined program for performing a prepaid card function and a key for charging the prepaid card function. An input unit for receiving a charge amount through an input, a reading unit for reading the wireless ID tag information from the wireless ID tag, and the tag information read out from the reading unit and the charging amount information input through the input unit to a server or an apparatus And a transmission unit or the like.

The wireless terminal may further include a decryption unit configured to decrypt the encrypted wireless ID tag information by using a decryption key when the wireless ID tag information stored in the wireless ID tag is encrypted by an encryption key. It is characterized by comprising.

According to a preferred embodiment of the present invention, a predetermined program for performing the prepaid card function provided in the wireless terminal is a memory unit in the wireless terminal and / or a memory unit in the integrated circuit (IC) chip mounted or detached in the wireless terminal In particular, when the IC chip is equipped with a prepaid card function, the prepaid card function is an IC card standard such as ISO / IEC 7816 and / or ISO / IEC 14443 and EMV (Europay, Master, VISA). Follows the financial IC chip standard.

According to the present invention, the server or device for charging the prepaid card function in the wireless terminal through the payment means information provided in the storage medium is processed in connection with the wireless ID tag information received from the wireless terminal, the prepaid card function A prepaid charging interface for connecting a communication session with a wireless terminal and providing an interface for charging a charged amount with a prepaid card function provided in the wireless terminal, and from the storage medium based on wireless ID tag information provided from the wireless terminal. A charging means extraction unit for extracting payment means information of a payment means linked to wireless ID tag information, and determining the payment means information as a charge amount charging means of a prepaid card function provided in a wireless terminal; At least one payment server and finance through extracted prepaid card function charging means And a prepaid charge performing unit for charging the prepaid card function in the wireless terminal through a server.

When the wireless ID tag information stored in the wireless ID tag is encrypted by an encryption key, the server or the device decrypts the encrypted wireless ID tag information provided from the wireless terminal using a predetermined decryption key. Characterized in that it further comprises a decryption unit.

According to a preferred embodiment of the present invention, the server or device corresponds to a server or device provided in a prepaid card function issuer in a wireless terminal and / or a card issuing organization with the wireless ID tag. For example, the server or device preferably comprises a card company server or a financial company server and / or a mobile communication company server.

According to another embodiment of the present invention, the server or device is a service for charging a prepaid amount of money in the prepaid card function through an explicit or implicit business cooperation with the card issuing institution with the prepaid card function and / or the wireless ID tag. Corresponds to the server or device provided in the institution that has been entrusted to. For example, the server or device may be made up of a prepaid card charging service providing server on a network, and / or a VAN company server. However, in this case, in order for the server or the device to charge the prepaid amount with the prepaid card function provided in the wireless terminal, a process of receiving approval from the prepaid card function and / or the card issuing institution with the wireless ID tag is added. It is preferable.

According to the present invention, the payment means information of the payment means provided on the card owned by the customer and stored in the wireless ID tag attached to the card, and also associated with the payment means using the wireless ID tag information stored in the storage medium on the network In the method of charging a prepaid card function in a wireless terminal, a server on a wired / wireless network associates tag information stored in the wireless ID tag with payment means information and / or card information associated with the tag information, and stores them in a predetermined storage medium. Doing; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge the prepaid card function provided in the wireless terminal; Providing charge amount information from the wireless terminal to the server or device through the connected communication session; Reading tag information from a wireless ID tag provided in the card at the wireless terminal and providing the read tag information to the server or device through the connected communication session; Receiving the tag information provided from the wireless terminal at the server or the device, and extracting predetermined payment means information and / or card information associated with the received tag information from the storage medium; And charging the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal using the payment means and / or card through the extracted payment means information and / or card information in the server or device. It characterized by including.

The method of charging a prepaid card function in the wireless terminal may include a predetermined storage by linking tag information stored in the wireless ID tag with payment means information and / or card information associated with the tag information in a server on a wired / wireless network. Storing in a medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge the prepaid card function provided in the wireless terminal; Reading tag information from a wireless ID tag included in the card at the wireless terminal and providing the read tag information and the prepaid card function charge amount information to the server or the device through the connected communication session; Receiving the tag information provided from the wireless terminal at the server or the device, and extracting predetermined payment means information and / or card information associated with the received tag information from the storage medium; And charging the prepaid card function in the wireless terminal by the charge amount by using the payment means and / or the card through the extracted payment means information and / or card information in the server or the device. It is done.

According to the present invention, the charging data generated to charge the prepaid card function in the wireless terminal by the amount of charge is required to balance the prepaid card function by the amount of charge. The value added by the charge amount is updated to the amount charged in the prepaid card function in the wireless terminal.

According to a preferred embodiment of the present invention, if the prepaid card function in the wireless terminal is a prepaid card program provided in the memory unit of the wireless terminal, the charging data is characterized in that the file structure that the prepaid card program can recognize. In addition, when the prepaid card function in the wireless terminal is the prepaid card storage information provided in the IC chip mounted or detached from the wireless terminal, the charging data is APDU (Application Protocol Data) according to the standards of ISO / IEC 7816 and EMV. It characterized in that it comprises a data structure that can be written to the IC chip through a unit).

According to a preferred embodiment of the present invention, in the method of charging a prepaid card function in a wireless terminal, the step of connecting a communication session between a wireless terminal and a server or a device may include a mobile communication network having at least one wireless section and a wired section. And a method of connecting a communication session through a gateway (G / W) connecting the mobile communication network with a server or a device, and a wireless terminal having at least one local area communication device (eg, a local area communication device). , KIOSK, etc.) and the short-range communication session, and the short-range communication means is connected to the server or the device via the network consisting of the short-range communication device and the short-range communication means through the short-range communication means And a method of connecting a short range communication session with an established server or device.

According to a preferred embodiment of the present invention, the wireless terminal reads wireless ID tag information from the wireless ID tag provided in the card, and the connected wireless session information and the prepaid card function charge amount information are connected to the communication session. The providing to the server or the device through the step of receiving a predetermined PIN (Personal Identification Number) from the card customer in the wireless terminal; And authenticating the validity of the card through the PIN at the wireless terminal. To this end, the wireless terminal memory unit extracts from a predetermined PIN and a wireless ID tag attached to the card. The wireless ID tag information to be read is provided.

According to a preferred embodiment of the present invention, when wireless ID tag information stored in a wireless ID tag attached to the card owned by the customer is encrypted to be decrypted by the wireless terminal, the wireless ID tag information is provided to the server or the device. Preferably, the wireless ID tag information is decrypted by the wireless terminal before authentication, and the wireless ID tag information is encrypted by the server or the device when the wireless ID tag information is encrypted to be decrypted by the server or the device. Before extracting the payment means and / or the card information associated with the ID tag information, it is desirable that the server or the device is decrypted and validated.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

The following embodiment is stored in the payment means information of the payment means provided on the card owned by the customer and the wireless ID tag attached to the card, and wirelessly using the wireless ID tag information stored in the storage medium on the network in association with the payment means The prepaid card function charging system in a terminal is provided with a storage medium in a server or an apparatus operated by a card issuing organization according to a preferred embodiment of the present invention, and the prepaid card function charging method generates a charging data in a wireless terminal, and The present invention relates to a case where a charging approval code for charging a prepaid card function in a wireless terminal is received and charged based on the charging data. However, if one of ordinary skill in the art to which the present invention pertains, the storage medium is provided at a location other than the server, or the wireless terminal is charged from the server according to another embodiment of the present invention based on the following embodiments. Receiving data and charging the prepaid card function in the wireless terminal may be relatively easy to infer.

1 is a diagram of a prepaid card function charging system in a wireless terminal 140 using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

Referring to FIG. 1, a prepaid card function charging system in a wireless terminal 140 using wireless ID tag information stored in a storage medium in association with a payment means may include a wireless ID tag 135 according to a preferred embodiment of the present invention. A wireless terminal 140 for extracting and reading wireless ID tag information from the attached card, the wireless ID tag 135, and transmitting the extracted wireless ID tag information to a server or device 100 on a network, and the wireless terminal 140 and the server or device. Payment means information corresponding to the charging means of the prepaid card function from the storage medium 125 based on the mobile communication network connecting the communication session between the mobile terminal 100 and the wireless ID tag information received from the wireless terminal 140; And / or a server or device 100 on a network that extracts card information to charge the prepaid card function, and the server or device 100 is used to charge the prepaid card function. At least it composed of one or more of the financial server, or the financial server 145 for.

The wireless ID tag 135 attached to the card stores wireless ID tag information stored in a storage medium in association with at least one or more payment means provided in the card or the card information. According to the wireless ID tag information, the wireless ID tag 135 is double-encrypted so as to be decrypted by the wireless terminal 140 and the server 100 as shown in FIG. And / or before the card is issued to a customer and the prepaid card function charging service in the wireless terminal 140 is started, the RIFD tag information and the wireless terminal 140 for authenticating the RIFD tag information as shown in FIG. The PIN is provided to the wireless terminal 140.

The wireless terminal 140 charging the prepaid card function provided in the wireless terminal 140 through the server or the device 100 on the network using the wireless ID tag information is a prepaid card function provided in the wireless terminal 140. Receives charged charge amount information, generates charge data, and temporarily stores charge data. Also, from the wireless ID tag 135 attached to the card, payment means information and / or card information of the corresponding card is provided. Extract and read wireless ID tag information stored in the storage medium 125 on the network (e.g., decryption when validity authentication for the wireless ID tag information and / or the wireless ID tag information is encrypted to be decrypted in the wireless terminal). The server or the device 100 on the network sequentially or simultaneously with the read wireless ID tag information and / or charge amount information. After transmitting, on the basis of the charge authorization code received from the server or the device 100 using the charging data, it characterized in that the pre-paid card having a function for wireless terminal 140 for charging by the charge amount.

The mobile communication network connecting the communication session between the wireless terminal 140 and the server or the device 100 includes at least one wireless section (eg, wireless terminal and base station) and a wired section (eg, base station, control station, switching center, HLR). (Home Location Register) / VLR (Visitor Location Register) and Gateway.

According to another exemplary embodiment of the present invention, a communication session between the wireless terminal 140 and the server or the device 100 may include at least one short-range communication section (eg, short-range communication between the wireless terminal and KISOK) and a wired section (eg, Wired communication between the KISOK and the server or the device), or the wireless terminal 140 and the server or the device 100 can be directly connected by a short range communication session.

The server or device 100 for charging the prepaid amount by the prepaid card function provided in the wireless terminal 140 based on the RIFD tag information and the recharge amount information received from the wireless terminal 140 includes a prepaid charge interface 120. Decryption unit 105, the charging means extraction unit 110, the storage medium 125 for storing and processing the payment means information and / or card information and the wireless ID tag information for the card, and prepaid charging The execution unit 115, and the charge history D / B (130).

The prepaid charging interface 120 connects a communication session between the wireless terminal 140 and the server or the device 100, receives the wireless ID tag information and the charge amount information from the wireless terminal 140, and further includes the wireless session. It provides a communication interface for transmitting a charge approval code to the terminal 140. For example, when the wireless terminal 140 connects to the wireless Internet and establishes a communication session with the server or the device 100, the prepaid charging interface 120 performs the function of the wireless Internet server.

When the wireless ID tag information received from the wireless terminal 140 is encrypted to be decrypted by the server or the device 100, the decryption unit 105 uses the decryption key included in the storage medium 125 to transmit the wireless ID tag information. And decoding the ID tag information.

The charging means extracting unit 110 retrieves wireless ID tag information matching the wireless ID tag information from the storage medium 125 using the wireless ID tag information received from the wireless terminal 140, and searches for the wireless ID. When the wireless ID tag information matching the tag information is searched, the payment means information and / or card information associated with the retrieved wireless ID tag information is extracted, and the payment means information and / or card information is transmitted to the wireless terminal 140. Characterized in that determined by the charging means of the prepaid card function provided in.

The prepaid charging unit 115 extracts the payment means information and / or card information, which is processed in association with the wireless ID tag information, from the storage medium 125 by the charging means extraction unit 110 to charge the prepaid card function. If it is determined, the card corresponding to the payment means and / or card information corresponding to the payment means information through the payment server or the financial server 145 on the network based on the charge amount information received from the wireless terminal 140 From the wireless terminal 140 to the prepaid card function provided in the charge amount is characterized in that for transferring the charge amount.

For example, if the payment means information and / or card information corresponds to the credit card payment means, the prepaid charging unit 115 processes the credit card payment by the amount corresponding to the amount of charge through the payment server 145, the payment The amount of charge is transferred from the payment means corresponding to the means information and / or the card corresponding to the card information to the prepaid card function provided in the wireless terminal 140.

In addition, for example, if the payment means information corresponds to a bank account and / or electronic bank account, the prepaid charging unit 115 transfers the account as much as the charge amount through the bank's financial server 145, the payment means The amount of charge is transferred to the prepaid card function provided in the wireless terminal 140 from the payment means corresponding to the information and / or the card corresponding to the card information.

When the amount of charge is transferred from the payment means corresponding to the payment means information and / or the card corresponding to the card information to the prepaid card function provided in the wireless terminal 140 through the above process, the prepaid charge is performed. The unit 115 stores the charge history in the charge history D / B 130, generates a charge approval code to be charged by the prepaid card function to the charge amount in the wireless terminal 140, the charge approval The code is transmitted to the wireless terminal 140 through the prepaid charging interface 120.

2 is a diagram of a preferred wireless terminal internal structure for charging a prepaid card function provided in the wireless terminal 140 through a server or device 100 on a network using wireless ID tag information.

Referring to FIG. 2, the wireless terminal 140 basically includes a control unit 200, a screen output unit 230, a key input unit 235, a wireless processing unit 245, a short range communication unit 250, and a voice processing unit 255. And a memory unit 260 and a battery 275 for power supply, and are linked with payment means information and / or card information from a wireless ID tag 135 attached to a card according to a preferred embodiment of the present invention. A wireless ID extracting unit 240 for extracting wireless ID tag information stored in a storage medium, a reading unit 210 for extracting wireless ID tag information extracted by the wireless ID extracting unit 240, and the wireless ID tag 135 ) Is decrypted when the wireless terminal 140 is encrypted to decrypt the decryption unit 215, the input unit 205 for receiving the charge amount, the wireless ID tag information and the charge amount information server or device on the network Transmitter 220 and wireless to transmit to (100) Charge processing unit 225 for charging with a prepaid card function provided in the terminal 140 and the IC chip 270 mounted or detached in the prepaid card program or wireless terminal 140 provided in the memory unit 260 ) Is made up of prepaid card storage information and the like.

The controller 200 is a general term for an operating system, a terminal control management program, and a wireless terminal agent program that are booted and / or loaded after being booted and / or are loaded. It controls and manages the overall operation. That is, all functions and / or tasks performed through the wireless terminal 140 are performed through the controller 200, which is configured to perform at least one or more function performing units (eg, provided in the wireless terminal 140). , At least one function and / or task in conjunction with a screen output unit, a key input unit, a wireless processing unit, and / or a voice processing unit).

Referring to FIG. 1 according to a preferred embodiment of the present invention, the control unit 200 receives an input amount of money from the key input unit 235 and provides it to the charging processing unit 225, and a wireless ID extracting unit ( A reading unit 210 that receives and reads wireless ID tag information from 240, a decryption unit 215 for decrypting the wireless ID tag information when the wireless ID tag information is encrypted to be decrypted by the wireless terminal 140, and the input unit 205. After generating the charging data from the charge amount information provided from the temporary storage in the memory, and receives the charge approval code from the server or device 100, the prepaid provided in the wireless terminal 140 using the temporarily stored charging data The card function (e.g., prepaid card program provided in the wireless terminal memory unit, or prepaid card storage information provided in the IC chip mounted or detached in the wireless terminal); The charging processing unit 225 performs balancing to charge the charged amount, and the wireless processing unit 245 stores the charged amount information and wireless ID tag information provided by the reading unit 210 and / or the decryption unit 215. And / or a transmission unit 220 for transmitting / receiving to or from the server or the device 100 through the local area communication unit 250.

According to a preferred embodiment of the present invention, when the prepaid card function is provided in the IC chip 270, the charge processor 225 performs a function of a card terminal program for the IC chip 270, or When the prepaid card function is provided in the memory in the wireless terminal 140, it is preferable that the prepaid card function corresponds to a part of the agent program and / or the wireless terminal configuration that is linked with the prepaid card function.

The screen output unit 230 receives at least one or more key data generated from the key input unit 235 and / or various information and signals generated and / or generated during the control process of the control unit 200. It is characterized in that it serves to output to the screen (for example, LCD (Liquid Crystal Display)) provided in.

The key input unit 235 includes a plurality of number keys, a character key for inputting a character, and at least one function key, and the like. When a key is pressed, corresponding key data are generated and provided to the controller 200.

According to a preferred embodiment of the present invention, a charge amount to be charged by the prepaid card function provided in the wireless terminal 140 is input to the input unit 205 through the key input unit 235, and the input unit 205 receives the charge amount. Information is provided to the charging processing unit 225, and the charging processing unit 225 generates and temporarily stores charging data for charging the prepaid card function in the wireless terminal 140 as much as the charged amount, and then stores the charged amount information on the network. Send to server or device 100.

The radio processor 245 may process radio frequency signals transmitted and received in a radio communication section between the radio terminal 140 and the base station on the mobile communication network through radio frequency (RF).

According to a preferred embodiment of the present invention, the wireless processing unit 245 connects a communication session between the wireless terminal 140 and the server or the device 100 through a mobile communication network.

The local area communication unit 250 includes at least one local area communication means of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN, and Wi-Fi within a short range communication range. It is characterized in that for transmitting and receiving data with an external local area communication device through.

According to a preferred embodiment of the present invention, the short range communication unit 250 connects a communication session between the wireless terminal 140 and the server or the device 100 through short range communication.

The voice processor 255 encodes a voice signal input from a microphone and transmits the encoded audio signal to the wireless processor 245 through the controller 200, and decodes a signal received through the wireless processor 245. And a function of outputting as a voice signal to the speaker via 200. In particular, the voice signal input and output through the voice processor 255 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 245.

The memory unit 260 may include a predetermined program code for controlling the overall operation of the wireless terminal 140 and a space in which information and / or data input and / or outputted when an operation by the program code is performed and And / or a generic term for a storage area, typically wireless in the form of read-only memory such as read only memory (ROM) and read / write memory such as electrically erasable and programmable read only memory (EEPROM) or flash memory (FM). Characterized in that the terminal 140 is provided.

According to a preferred embodiment of the present invention, the memory unit 260 is provided with a prepaid card program as an agent program executable in the wireless terminal 140. In addition, the memory unit 260 is generated by the charging processing unit 225 to balance the amount of charge with the prepaid card function in the wireless terminal 140 until the charge approval code is received from the server or the device 100 on the network. A function of temporarily storing one charging data is provided.

According to another exemplary embodiment of the present invention, the charging data may be generated by the server or the device 100 and provided to the wireless terminal 110. At this time, the charging data is directly received from the server or the device 100 to the wireless terminal 140.

Referring to Figure 2 according to a preferred embodiment of the present invention, the wireless terminal is provided with an IC chip 270 that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, or EMV standards, etc., the IC chip 270 ) And an IC chip interface 265 for performing APDU communication with the IC chip 270 based on the ISO / IEC 7816 for data exchange between the wireless terminal 240 and the wireless terminal 240.

3 is a simple diagram of an IC chip 270 equipped with a prepaid card function.

The IC chip 270 mounted or detached from the wireless terminal 140 is an IC chip 270 mounted or detached from the wireless terminal 140 and includes ISO / IEC 7816 and / or ISO / IEC 14443. Referring to the IC chip standard and the EMV standard, the wireless banking IC chip includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and / or An input / output interface 300 that communicates with the card terminal device through a contact point such as an input / output (I / O), a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, etc. At least one including a processor unit 305 including at least one computing element, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. It consists of a memory unit 310 consisting of the above memory element, in particular the memory At least one of the devices is provided with a Chip Operating System (COS) for managing and operating the smart card internal resources, and at least one or more of the remaining memory devices for providing a service using a smart card IC chip storage information 315 is provided.

The IC chip storage information 315 included in the memory unit 310 on the wireless banking IC chip is a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program, and / or And a processing unit for storing and driving a program module (e.g., JAVA Applet) that can be used by the card terminal program, and the like. In particular, the program processing unit includes a card configuration (e.g., a COS or an open smart card). It is part of a virtual machine, or it works with card configuration.

The prepaid card storage information 320 among the payment account means provided in the wireless banking IC chip is based on at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443, and the banking IC chip standard such as EMV. A prepaid card dedicated file including an identifier for prepaid card storage information, and a plurality of element files including at least one data set and program code required for performing the prepaid card function.

The prepaid card information storage unit (EF IEP) stores the parameters and fixed data of the prepaid card which are recorded or modified while the prepaid card service is provided, and information on the prepaid card encryption key is managed separately in the COS. Information stored in the card information storage unit includes a security parameter, a prepaid card parameter, an issuer identifier, a branch code, a serial number, an algorithm identifier, an issue date, an expiration date, an active date, an inactive date, and the like.

Primary Account Number (PAN) Information storage unit (EF PAN) stores the main account information required when the value is charged with a prepaid card, consisting of a business code, bank code, digit separation code, and account number.

The prepaid card balance storage (EF BAL) stores the stored value balances charged and / or balanced on the prepaid card, the current balance of the prepaid card, the checksum of the current balance (check sum for validation of the balance) , Backup balance, checksum of backup balance, maximum storage limit amount, one-time maximum withdrawal amount, and card transaction serial number.

Last transaction history storage unit (EF LPT) stores the last transaction history that has been successfully executed, transaction type, transaction serial number, total amount, Purchase Secure Application Module (PSAM) identifier, PSAM transaction serial number, transaction amount, and completion code. Etc. are included.

The Purchase Transaction History Storage (EF PLOG) stores at least one recent purchase transaction and cancellation transaction history.The transaction type, transaction serial number, total transaction amount, post-transaction balance, transaction date, PSAM issuer, PSAM identifier, PSAM. Transaction serial number, completion code, etc.

The value filling history storage unit (EF LLOG) stores at least one or more recently made value filling data, and includes a transaction type (eg, value filling), a transaction serial number, a balance after a transaction, a transaction amount, a completion code, and the like.

The parameter update history storage unit (RF ULOG) stores the most recent prepaid card-related parameter update data, and includes a transaction type (e.g., parameter update), transaction serial number, SAM identifier, parameter identifier, pre-update parameter, post-update parameter, Complete code;

The cardholder information storage unit (EF cardholder) stores information about the prepaid cardholder, and thus it is possible to apply a different transportation fare according to the identity of the cardholder when using transportation such as a bus or subway. Cardholder information includes cardholder identification codes and cardholder validity periods.

The transfer information storage unit (EF transfer information) stores the information for the fare discount according to the transfer between transportation means, recently used transportation, bus boarding station code, bus boarding date and time, subway boarding / getting off station code, subway boarding / getting off Station date and time.

According to the present invention, the charging data generated based on the charge amount information input and provided through the input unit provided in the wireless terminal is characterized in that the balance of the prepaid card balance storage unit EF BAL is balanced.

4 is a simplified diagram of wireless ID tag information stored in a storage medium in association with a payment means provided in a card according to a preferred embodiment of the present invention.

The wireless ID tag 135 is a transponder (general term for a wireless transceiver that automatically returns a specific signal in response to an external signal) and is generally composed of a single chipset. It is divided into low frequency tag and high frequency tag according to tag, passive tag, and frequency band used by antenna part.

Referring to FIG. 4, the wireless ID tag 135 includes a control unit 400, a memory unit 405, an antenna unit 410, a power supply unit 415, and the like. It is possible to be provided outside the ID tag 135, the power supply 415 is omitted and can be provided through the electromagnetic induction coupling through the antenna unit 410.

The control unit 400 of the wireless ID tag 135 responds to the wireless ID tag information transmission request signal received by the antenna unit 410 of the wireless ID tag 135 through an antenna provided in the wireless ID reader and / or the terminal device. Correspondingly, a process of inputting and outputting wireless ID tag information included in the memory unit 405 and transmitting the input and output wireless ID tag information to the outside through the antenna unit 410 is provided.

The memory unit 405 of the wireless ID tag 135 is a memory for storing wireless ID tag information to be transmitted to the wireless ID reader and / or the terminal device according to the wireless ID tag information transmission request signal transmitted and received through the antenna unit 410. For example, referring to FIG. 4, the memory unit 505 includes a service header 420, a service identifier 425, execution data 430, an error detection code (EDC) 435, and the like.

The service header 420 of the memory unit 405 stores header information on a service provided by the wireless ID tag 135, and the service identifier 425 is required to identify a service provided by the wireless ID tag 135. The identification code is stored, and the execution data 430 stores a unique code that does not overlap, and the EDC 435 stores a detection code for checking whether an error is issued in the information stored in the memory unit 405.

According to a preferred embodiment of the present invention, the wireless ID tag information may be provided with payment means association data as a non-overlapping unique code stored in the execution data area of the memory unit 405, and the payment means association data is duplicated. It is desirable that the card issuing institution decide or create and manage the information.

Referring to (a) of FIG. 4, the payment means association data stored in the execution data area is first encrypted to be decrypted by the server 100 and secondly encrypted to be decrypted by the wireless terminal 140. The payment means association data before encryption and a decryption key for decrypting the wireless ID tag information encrypted to be decrypted by the server 100 are provided on the card together with the payment means information of the payment means associated with the wireless ID tag information. It is provided. Of course, the wireless terminal 140 of the customer has a decryption key (eg, wireless terminal information) for decrypting the wireless ID tag information encrypted to be decrypted by the wireless terminal 140 during the card issuing process and / or purchasing the wireless terminal. , Or personal information of the customer).

Referring to (b) of FIG. 4, the payment means association data stored in the execution data area is not encrypted, but is transmitted to the wireless terminal 140 of the customer during the card issuance process and / or the wireless terminal purchase process. The payment means association data included in the wireless ID tag information and a PIN (Personal Identification Number) for authenticating the validity of the payment means association data is provided. According to a preferred embodiment of the present invention, the payment means associated data and PIN is included in the prepaid card program provided in the wireless terminal 140 is preferably provided in the wireless terminal 140, or inside the wireless terminal 140 Memory unit 260, or a memory unit on IC chip 270 mounted on or detached from the wireless terminal 140.

In addition, referring to (a) to (b) of FIG. 4, the storage medium includes a card issuing process and / or a purchase of a wireless terminal of a customer, registration of subscriber information with a mobile communication company, or a storage medium through a wireless terminal 140. Access to register and / or update the wireless terminal information (eg, wireless terminal telephone number) of the customer in the storage medium. The wireless terminal information additionally registered and / or updated in the storage medium is provided to the server or the device 100 by a code division multiple access (CDMA) stack, through which the server or the device 100 transmits a wireless ID tag. It is possible to determine the validity of the information.

According to the present invention, (a) to (b) of FIG. 4 are specially described the characteristics of the wireless ID tag information proposed by the present invention, and the actual wireless ID tag information is not encrypted or is a wireless terminal with a PIN. 140 may not be provided. Of course, even when the wireless ID tag information is encrypted, it may be encrypted so as to be decrypted only once in the wireless terminal 140 or the server 100, or may be provided in the wireless terminal 140 together with encryption and a PIN. .

5 is a simple flowchart illustrating a method of charging a prepaid card function in a wireless terminal using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

Referring to FIG. 5, in order to charge a prepaid card function provided in the wireless terminal 140 using wireless ID tag information stored in a storage medium in association with a payment means, the wireless terminal 140 and the server or the device are first used. The communication session between the 100 must be connected (500).

According to a preferred embodiment of the present invention, the communication session connection process is a process of accessing the wireless Internet as shown in (a), (b), (c), and (d) of FIG. The prepaid charging interface 120 provided in the wireless terminal 140 provides a communication interface for wireless Internet access.

According to another embodiment of the present invention, the communication session connection process is connected to the server or device 100 through a client connected to the Internet, as shown in Figure 7 (a), (b), and (c), The server or device 100 allows the wireless terminal 140 to access the server or the device 100 through a callback URL. The prepaid interface 120 provided in the server or the device 100 is used. ) Provides a communication interface for a wireless connection using callback UE.

When the communication session between the wireless terminal 140 and the server or the device 100 is connected, it determines a charging method for the prepaid card function provided in the wireless terminal 140 (505). In the case of FIG. 6, the charging method of the prepaid card function is determined in (c) and (d), and the charging method is determined in (a) of FIG.

If the charging method of the prepaid card function provided in the wireless terminal 140 does not use the wireless ID tag 135 as suggested by the present invention (510), the wireless terminal 140 and / or the server or device ( In operation 515, the charge amount is charged to the prepaid card function through a charging method other than the wireless ID tag 135.

On the other hand, if the charging method of the prepaid card function provided in the wireless terminal 140 uses the wireless ID tag 135 as suggested by the present invention (520), the server or device 100 is the wireless terminal 140 of FIG. Request information on the amount of charge corresponding to the amount of charge to be charged by the prepaid card function provided in the wireless terminal 140 and wireless ID tag information required to extract the charging means for charging the prepaid card function from a storage medium. In step 525, the process is performed by the prepaid charging interface 120 provided in the server or the device 100.

According to the preferred embodiment of the present invention, when the server or the device 100 requests the charge amount information and the wireless ID tag information from the wireless terminal 140 as described above, the screen of the wireless terminal is shown in FIG. (f) or as shown in (d) to (e) of FIG. Referring to a preferred embodiment of the present invention and to Figures 6 to 7, although the charge amount is input first and the wireless ID tag information is extracted, the order may be changed in practice.

When the server or the device 100 requests the charge amount information and the wireless ID tag information from the wireless terminal 140 as described above, the wireless terminal 140 inputs the input unit as shown in (e) of FIG. 6 to (d) of FIG. Through 205, a charge amount is input to a prepaid card function provided in the wireless terminal 140, and the charged amount is provided to the charge processor 225.

According to a preferred embodiment of the present invention, when the charge amount to be charged by the prepaid card function provided in the wireless terminal 140 is input through the input unit 205, the input unit 205 is the charge processing unit 225 The charging processing unit 225 provides the charging data required for balancing the charging amount corresponding to the charging amount information to the prepaid card function provided in the wireless terminal 140 according to the preferred embodiment of the present invention. It generates and temporarily stores in the memory (530).

If the charge amount information is input through the input unit 205 as described above, and the charge data for balancing the charge amount corresponding to the charge amount information to the prepaid card function in the wireless terminal 140 according to a preferred embodiment, The wireless ID extracting unit 240 of the wireless terminal 140 automatically activates a function of extracting wireless ID tag information from the wireless ID tag 135, (f) to (e) of FIG. Request the customer to access the wireless terminal 140 with a card having the wireless ID tag 135 stored therein stored in the storage medium in association with payment means information and / or card information. In operation 535, the wireless ID tag information is extracted from the wireless ID tag 135 accessing the wireless terminal 140.

After the wireless terminal 140 extracts the wireless ID tag information stored in the storage medium by being processed in association with the payment means information and / or the card information as described above, the extracted wireless ID tag information is displayed as shown in FIG. If the wireless terminal 140 is encrypted to be decrypted, the decryption unit 215 provided in the wireless terminal 140 decrypts the wireless ID tag information (for example, the decryption key is provided in the wireless terminal memory unit, Or input from a customer through a key input unit), and when the wireless terminal memory unit 260 is provided with PIN-based wireless ID tag information as shown in FIG. Entering a PIN through the key input unit 235 provided in the, and determining whether the PIN matches the PIN of the PIN-based wireless ID tag information provided in the wireless terminal 140, the wireless ID tag definition The wireless ID tag information validity is determined (540) including determining a customer's confidentiality, authentication, integrity, nonrepudiation, and the like of the security information. Of course, if the wireless ID tag information is not encrypted to be decrypted in the wireless terminal 140 or if the wireless terminal 140 is not provided with the PIN-based wireless ID tag information, the process of determining the validity of the wireless ID tag information is omitted. It may be.

If the validity of the wireless ID tag information is not authenticated in the process (545), the wireless terminal 140 has a wireless ID tag 135 to the customer as shown in (f) to (e) of FIG. A request is made to access the attached card, and the process of extracting wireless ID tag information from the wireless ID tag 135 and determining validity is repeated.

On the other hand, as the charge amount is input as described above, charge data is generated to charge the charge amount information and the charge amount information corresponding to the charge amount information to the prepaid card function provided in the wireless terminal 140, and the wireless ID tag 135 When the validity of the extracted wireless ID tag information is verified (550), the transmitting unit 220 of the wireless terminal 140 is the charge amount information and (g) of Figure 6 (f) and Figure 7 (f) And / or transmitting the wireless ID tag information to the server 100 through the communication session, and charging the charge with the prepaid card function provided in the wireless terminal from the server 100 with a charge approval code or an error message. If not approved) and the like to receive (555).

(Hereinafter, description of Figure 5 (b))

As described above, when the charge amount information and the wireless ID tag information are received from the wireless terminal 140 to the server or the device 100 on the network, the server or the device 100 indicates that the received wireless ID tag information is shown in FIG. In the case where the server or the device 100 is encrypted so as to be decrypted as in a), the decryption unit 215 provided in the server or the device 100 decrypts the wireless ID tag information (for example, the storage key is a storage medium. A code division multiple access (CDMA) stack if the storage medium is provided with wireless terminal information (e.g., wireless terminal telephone number). Extracting the wireless terminal information from a packet of charge amount information and / or wireless ID tag information received through a prepaid charging interface based on the By comparing the information with the wireless terminal information provided in the storage medium, the validity of the wireless ID tag information is determined, including determining the confidentiality, authentication, integrity, and nonrepudiation of the customer with respect to the wireless ID tag information. 500a). Of course, when the wireless ID tag information is not encrypted to be decrypted by the server or the device 100 or when the wireless terminal information is not provided in the storage medium, the process of determining the validity of the wireless ID tag information may be omitted.

If the validity of the wireless ID tag information is not authenticated in the process (505a), the server or the device 100 generates an error message and transmits it to the wireless terminal 140 through the communication session, the wireless terminal 140 ), The error message is output (510a).

On the other hand, if the validity of the wireless ID tag information is authenticated (515a), the server or device 100 extracts the payment means information and / or card information stored in association with the wireless ID tag information from the storage medium, The payment means information and / or card information is determined as the charging means of the prepaid card function provided in the wireless terminal 140 (520a).

When the charging means of the prepaid card function provided in the wireless terminal 140 is determined as described above, the server or the device 100 determines the payment means information and / or the card extracted from the storage server (eg, the storage medium) based on the charging means. If the information corresponds to a credit card, the bank account corresponds to a payment server for charging the prepaid card function provided in the wireless terminal through credit card payment and / or a financial server (eg, payment means information extracted from a storage medium). In this case, it is determined whether or not the amount of charge can be charged by the prepaid card function in the wireless terminal 140 through a bank transfer) (eg, a financial server for charging the prepaid card function provided in the wireless terminal) (525a).

For example, when the payment means information and / or card information extracted from the storage medium is a credit card, the possibility of accepting the credit card payment of the customer corresponds to the possibility of charging the amount by the prepaid card function in the wireless terminal 140. In addition, when the payment means information extracted from the storage medium is a bank account, the amount of charge can be charged by the prepaid card function in the wireless terminal 140 only when the balance of the galaxy account is larger than the charge amount.

If the validity of the charge is not authenticated by the prepaid card function in the wireless terminal 140 (530a), the server or the device 100 generates an error message to generate the wireless terminal 140 through the communication session. The error message is output to the wireless terminal 140.

On the contrary, if the validity of the charge is authenticated by the prepaid card function in the wireless terminal 140 (535a), the server or the device 100 corresponds to the payment means information through the payment server or the financial server 145. The amount of money corresponding to the charged amount is transferred from the card corresponding to the payment means and / or the card information to the prepaid card function provided in the wireless terminal 140 (540a).

For example, if the payment means information and / or card information corresponding to the charging means is a credit card, payment processing corresponding to the charge amount through the credit card. Or, if the payment means information corresponding to the charging means is a bank account, the account transfers as much as the amount of the charge from the bank account.

If the amount of money corresponding to the amount of the charge is transferred from the payment means and / or card to the prepaid card function provided in the wireless terminal 140 through the above process, the server or device 100 charge approval code Generate and transmit to the wireless terminal 140 through the communication session (545a).

According to a preferred embodiment of the present invention, the charge approval code is a protocol promised between the transmission unit 220 provided in the wireless terminal 140 and the server or the device 100, and is provided in the wireless terminal 140. The charging processing unit 225 includes a Boolean code that authorizes the charging unit 225 to charge the amount corresponding to the charging amount through the prepaid card function provided in the wireless terminal 140 through the charging data.

According to another exemplary embodiment of the present invention, if charging data corresponding to the charging amount information is not generated in the process of generating the charging amount information by inputting the charging amount in the wireless terminal 140, the server or the device 100 In addition to the charge approval code, it is possible to directly generate the charge data and transmit it to the wireless terminal 140.

When the charging approval code is received by the wireless terminal 140 through the above process, the charging processing unit 225 included in the wireless terminal 140 uses the charging data on the basis of the charging approval code. In step 550a, a prepaid card function provided in FIG. 140 balances the charged amount as much as the charged amount.

When the charge amount is charged by the prepaid card function provided in the wireless terminal 140, the amount charged by the prepaid card function provided in the wireless terminal 140 as shown in (h) to (g) of FIG. The total amount charged in the prepaid card function is output (555a).

According to the present invention, a predetermined prepaid card provided in a wireless terminal using a card having at least one payment means and a radio frequency identification (ID) tag for storing predetermined wireless ID tag information associated with the payment means. By charging the prepaid card function, a prepaid card can be used to make the prepaid card more convenient by preventing the inconvenience of charging the prepaid card. .

1 is a diagram of a prepaid card function charging system in a wireless terminal using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

2 is a diagram of a preferred wireless terminal internal structure for charging a prepaid card function provided in a wireless terminal through a server or a device on a network using wireless ID tag information.

3 is a simple diagram of an IC chip equipped with a prepaid card function.

4 is a simplified diagram of wireless ID tag information stored in a storage medium in association with a payment means provided in a card according to a preferred embodiment of the present invention.

5 is a simple flowchart illustrating a method of charging a prepaid card function in a wireless terminal using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

6 is a simplified illustration of a process of charging a prepaid card function using wireless ID tag information in a wireless network according to the present invention.

7 is a simplified illustration of a process of charging a prepaid card function using wireless ID tag information on a wired network in accordance with the present invention.

<Description of main parts of drawing>

100: server or device 105: decryption unit

110: charging means extraction unit 115: prepaid charge performing unit

120: prepaid charging interface 125: storage medium

130: charge history D / B 135: wireless ID tag

140: wireless terminal 145: payment server or financial server

Claims (36)

Charging a card having at least one payment means and a wireless ID tag storing predetermined tag information associated with the payment means, a wireless terminal having a predetermined prepaid card function, and a prepaid card function provided in the wireless terminal. A method of charging a prepaid card function in a wireless terminal, comprising a server or a device, A step in which a server on a wired / wireless network associates tag information stored in the wireless ID tag with payment means information and / or card information associated with the tag information, and stores the tag information in a predetermined storage medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge a prepaid card function provided in the wireless terminal; Providing charge amount information from the wireless terminal to the server or device through the connected communication session; Reading tag information from a wireless ID tag provided in the card at the wireless terminal and providing the read tag information to the server or device through the connected communication session; Receiving the tag information provided from the wireless terminal at the server or the device, and extracting predetermined payment means information and / or card information associated with the received tag information from the storage medium; And Charging the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal using the payment means and / or card through the extracted payment means information and / or card information in the server or device; Prepaid card function charging method in a wireless terminal comprising a. The method of claim 1, wherein the tag information, And a method of charging a prepaid card function in a wireless terminal, characterized in that the data is encrypted and stored by a predetermined encryption key provided corresponding to a predetermined decryption key decrypted by the server, the device or the wireless terminal. The method of claim 1, wherein when the wireless terminal desires to charge a prepaid card function provided in the wireless terminal, in the wireless terminal, connecting a communication session with the server or device, The communication session connection, the communication session connection using a wireless communication network and / or a communication session connection using a local area network comprises a prepaid card function charging method in a wireless terminal. The method of claim 1, wherein the providing of the charge amount information to the server or the device through the connected communication session in the wireless terminal comprises: And receiving request information for providing a payment amount payment means provided from the server or the device in the wireless terminal. The method of claim 1, wherein the wireless terminal reads tag information from a wireless ID tag included in the card, and provides the read tag information to the server or the device through the connected communication session. Receiving a predetermined PIN from the card customer at the wireless terminal; And And authenticating the validity of the card through the PIN at the wireless terminal. The method of claim 1, wherein the wireless terminal reads tag information from a wireless ID tag included in the card, and provides the read tag information to the server or the device through the connected communication session. When the tag information stored in the wireless ID tag is encrypted by an encryption key, And deciphering the encrypted tag information by using a predetermined decryption key in the wireless terminal. The method of claim 1, wherein the server or the device receives the tag information provided from the wireless terminal and extracts predetermined payment means information and / or card information associated with the received tag information from the storage medium. Is, When the tag information stored in the wireless ID tag is encrypted by an encryption key, And deciphering the encrypted tag information by using a predetermined decryption key in the server. The prepaid card in the wireless terminal according to claim 1, wherein the amount of charge provided from the wireless terminal using the payment means and / or card through the payment means information and / or card information extracted by the server or the device. Charging the function, And charging the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal through a communication session connected to the wireless terminal in the server or the device. The method according to claim 1 or 8, wherein the charge amount provided from the wireless terminal using the payment means and / or card through the extracted payment means information and / or card information in the server or device is zero. The step of charging the prepaid card function in the terminal, And storing, in the database, a payment history of the payment processing using the payment means and / or the card in the predetermined database in the server or the device. The wireless device of claim 1, wherein the server or the device uses the payment means information and / or card information extracted from the wireless terminal by using the payment means and / or card. Charging the prepaid card function in the terminal, The payment means information and / or card information and the prepaid card charge amount information in the wireless terminal are provided to the payment means and / or card issuing server by referring to the extracted payment means information and / or card information from the server or device. To request payment approval; And Charging the prepaid card function in the wireless terminal by the charge amount after obtaining the payment approval from the payment means and / or the card issuing server in the server or the device; Function charging method. Charging a card having at least one payment means and a wireless ID tag storing predetermined tag information associated with the payment means, a wireless terminal having a predetermined prepaid card function, and a prepaid card function provided in the wireless terminal. A method of charging a prepaid card function in a wireless terminal, comprising a server or a device, A step in which a server on a wired / wireless network associates tag information stored in the wireless ID tag with payment means information and / or card information associated with the tag information, and stores the tag information in a predetermined storage medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge a prepaid card function provided in the wireless terminal; Reading tag information from a wireless ID tag provided in the card at the wireless terminal and providing the read tag information and the prepaid card function charge amount information to the server or the device through the connected communication session; Receiving the tag information provided from the wireless terminal at the server or the device, and extracting predetermined payment means information and / or card information associated with the received tag information from the storage medium; And Charging the prepaid card function in the wireless terminal by the charge amount by using the payment means and / or the card through the extracted payment means information and / or card information in the server or device; Payment processing method. The method of claim 11, wherein the tag information, And a method of charging a prepaid card function in a wireless terminal, characterized in that the data is encrypted and stored by a predetermined encryption key provided corresponding to a predetermined decryption key decrypted by the server, the device or the wireless terminal. 12. The method of claim 11, wherein when the wireless terminal desires to charge a prepaid card function provided in the wireless terminal, in the wireless terminal, connecting a communication session with the server or device, The communication session connection, the communication session connection using a wireless communication network and / or a communication session connection using a local area network comprises a prepaid card function charging method in a wireless terminal. The wireless terminal of claim 11, wherein the wireless terminal reads tag information from a wireless ID tag included in the card, and reads the read tag information and the prepaid card function charge amount information to the server or the device through the connected communication session. The steps provided are: Receiving a predetermined PIN from the card customer at the wireless terminal; And And authenticating the validity of the card through the PIN at the wireless terminal. The wireless terminal of claim 11, wherein the wireless terminal reads tag information from a wireless ID tag included in the card, and reads the read tag information and the prepaid card function charge amount information to the server or the device through the connected communication session. The steps provided are: When the tag information stored in the wireless ID tag is encrypted by an encryption key, And deciphering the encrypted tag information by using a predetermined decryption key in the wireless terminal. The method of claim 11, wherein the server or the device receives the tag information provided from the wireless terminal and extracts predetermined payment means information and / or card information associated with the received tag information from the storage medium. Is, When the tag information stored in the wireless ID tag is encrypted by an encryption key, And deciphering the encrypted tag information by using a predetermined decryption key in the server. The prepaid card in the wireless terminal according to claim 11, wherein the amount of charge provided from the wireless terminal using the payment means and / or card through the payment means information and / or card information extracted by the server or the device. Charging the function, And charging the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal through a communication session connected to the wireless terminal in the server or the device. 18. The wireless communication apparatus according to claim 11 or 17, wherein the amount of charge provided from the wireless terminal using the payment means and / or card through the payment means information and / or card information extracted from the server or the device is wireless. Charging the prepaid card function in the terminal, And storing, in the database, a payment history of the payment processing using the payment means and / or the card in the predetermined database in the server or the device. 18. The wireless communication apparatus according to claim 11 or 17, wherein the amount of charge provided from the wireless terminal using the payment means and / or card through the payment means information and / or card information extracted from the server or the device is wireless. Charging the prepaid card function in the terminal, The payment means information and / or card information and the prepaid card charge amount information in the wireless terminal are provided to the payment means and / or card issuing server by referring to the extracted payment means information and / or card information from the server or device. To request payment approval; And Charging the prepaid card function in the wireless terminal by the charge amount after obtaining the payment approval from the payment means and / or the card issuing server in the server or the device; Function charging method. A card having a wireless ID tag for storing at least one payment means and predetermined wireless ID tag information associated with the payment means, a wireless terminal having a predetermined prepaid card function, and a prepaid card function provided in the wireless terminal. In the wireless terminal prepaid card function charging method comprising a server or device for charging, Cooperatively processing wireless ID tag information stored in the wireless ID tag, payment means information and / or card information associated with the wireless ID tag information in a server on a wired / wireless network, and storing the wireless ID tag information in a predetermined storage medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge a prepaid card function provided in the wireless terminal; Receiving the charge amount to be charged in the prepaid card function in the wireless terminal and providing charge amount information to the server or the device through the connected communication session; Reading wireless ID tag information from the wireless ID tag provided in the card at the wireless terminal and providing the read wireless ID tag information to the server or device through the connected communication session; Receiving the wireless ID tag information provided from the wireless terminal at the server or the device, extracting predetermined payment means information and / or card information associated with the received wireless ID tag information from the storage medium to the wireless terminal. Determining as a charging means of a prepaid card function provided therein; Transfer the value from the payment means and / or card to the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal by using the extracted payment means information and / or card information from the server or device. Doing; Generating, by the server or device, charging data required to charge the prepaid card function in the wireless terminal by the amount of charge and transmitting the charge data to the wireless terminal; And Charging the prepaid card function in the wireless terminal by the charge amount using the charging data received from the server or the device in the wireless terminal. A card having a wireless ID tag for storing at least one payment means and predetermined wireless ID tag information associated with the payment means, a wireless terminal having a predetermined prepaid card function, and a prepaid card function provided in the wireless terminal. In the wireless terminal prepaid card function charging method comprising a server or device for charging, Cooperatively processing wireless ID tag information stored in the wireless ID tag, payment means information and / or card information associated with the wireless ID tag information in a server on a wired / wireless network, and storing the wireless ID tag information in a predetermined storage medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge a prepaid card function provided in the wireless terminal; The wireless terminal reads wireless ID tag information from the wireless ID tag included in the card, receives a charge amount to be charged in the prepaid card function in the wireless terminal, and charges the read wireless ID tag information and the prepaid card function. Providing money information to the server or device via the connected communication session; Receiving the wireless ID tag information provided from the wireless terminal at the server or the device, extracting predetermined payment means information and / or card information associated with the received wireless ID tag information from the storage medium to the wireless terminal. Determining as a charging means of a prepaid card function provided therein; Transfer the value from the payment means and / or card to the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal by using the extracted payment means information and / or card information from the server or device. Doing; Generating, by the server or device, charging data required to charge the prepaid card function in the wireless terminal by the amount of charge and transmitting the charge data to the wireless terminal; And Charging the prepaid card function in the wireless terminal by the charging amount using the charging data received from the server or the device in the wireless terminal. A card having a wireless ID tag for storing at least one payment means and predetermined wireless ID tag information associated with the payment means, a wireless terminal having a predetermined prepaid card function, and a prepaid card function provided in the wireless terminal. In the wireless terminal prepaid card function charging method comprising a server or device for charging, Cooperatively processing wireless ID tag information stored in the wireless ID tag, payment means information and / or card information associated with the wireless ID tag information in a server on a wired / wireless network, and storing the wireless ID tag information in a predetermined storage medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge a prepaid card function provided in the wireless terminal; Receiving, by the wireless terminal, a charge amount to be charged in the prepaid card function, generating charge data and temporarily storing the charge data in a memory, and providing charge amount information to the server or the device through the connected communication session; Reading wireless ID tag information from the wireless ID tag provided in the card at the wireless terminal and providing the read wireless ID tag information to the server or device through the connected communication session; Receiving the wireless ID tag information provided from the wireless terminal at the server or the device, extracting predetermined payment means information and / or card information associated with the received wireless ID tag information from the storage medium to the wireless terminal. Determining as a charging means of a prepaid card function provided therein; Transfer the value from the payment means and / or card to the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal by using the extracted payment means information and / or card information from the server or device. Doing; Generating, by the server or the device, a charge approval code for charging the prepaid card function in the wireless terminal by a charging amount using the charging data temporarily stored in the wireless terminal memory and transmitting the charge approval code to the wireless terminal; And Charging the prepaid card function in the wireless terminal by the amount of the charge by using the charging data temporarily stored in a memory based on the charge approval code received from the server or the device in the wireless terminal. How to charge the prepaid card function in the terminal. A card having a wireless ID tag for storing at least one payment means and predetermined wireless ID tag information associated with the payment means, a wireless terminal having a predetermined prepaid card function, and a prepaid card function provided in the wireless terminal. In the wireless terminal prepaid card function charging method comprising a server or device for charging, Cooperatively processing wireless ID tag information stored in the wireless ID tag, payment means information and / or card information associated with the wireless ID tag information in a server on a wired / wireless network, and storing the wireless ID tag information in a predetermined storage medium; Connecting a communication session with the server or the device in the wireless terminal when the wireless terminal intends to charge a prepaid card function provided in the wireless terminal; The wireless terminal receives the charge amount to be charged in the prepaid card function, generates charging data, and temporarily stores the charging data in the memory. Then, the wireless terminal reads wireless ID tag information from the wireless ID tag provided on the card. Providing the wireless ID tag information and the prepaid card function charge amount information to the server or the device through the connected communication session; Receiving the wireless ID tag information provided from the wireless terminal at the server or the device, extracting predetermined payment means information and / or card information associated with the received wireless ID tag information from the storage medium to the wireless terminal. Determining as a charging means of a prepaid card function provided therein; Transfer the value from the payment means and / or card to the prepaid card function in the wireless terminal by the charge amount provided from the wireless terminal by using the extracted payment means information and / or card information from the server or device. Doing; Generating, by the server or the device, a charge approval code for charging the prepaid card function in the wireless terminal by a charging amount using the charging data temporarily stored in the wireless terminal memory and transmitting the charge approval code to the wireless terminal; And Charging the prepaid card function in the wireless terminal by the charging amount by using the charging data temporarily stored in a memory based on the charging approval code received from the server or the device in the wireless terminal. Treatment method. A radio ID tag (RFID tag; radio frequency identification tag) for storing predetermined tag information associated with at least one payment means information included in the specific card, the tag being attached to a specific card; A storage medium for linking and storing tag information stored in the wireless ID tag and payment means information and / or card information associated with the tag information; A wireless terminal for reading tag information from the wireless ID tag and providing the read tag information and the prepaid card function charge amount information to a server or a device when the prepaid card function provided in the wireless terminal is to be charged; And Receiving the tag information provided from the wireless terminal, extracting predetermined payment means information and / or card information associated with the received tag information from the storage medium, and extracting the extracted payment means information and / or card information. And a server or device for charging the prepaid card function in the wireless terminal by the amount of the charge by using the payment means and / or a card through the prepaid card function charging system in the wireless terminal. The method of claim 24, wherein the in-card payment means, Credit card payment method, debit card payment method, check card payment method, prepaid card payment method, electronic wallet payment method, financial common network A prepaid card function charging system in a wireless terminal, characterized in that it comprises at least one payment means. The tag information of claim 24, wherein the tag information stored in the memory comprises: And a server or device or a prepaid card function charging system in a wireless terminal, characterized in that the data is encrypted and stored by a predetermined encryption key provided corresponding to a predetermined decryption key decrypted by the wireless terminal. The method of claim 24, wherein the storage medium, A prepaid card function charging system in a wireless terminal, characterized in that located on the server or device, or located in the card company server or financial company server and / or VAN company server and / or mobile communication company server. The method of claim 24, wherein the wireless terminal, A program for performing a prepaid card function; An input unit for receiving a charge amount when the prepaid card function is charged; A reading unit that reads the tag information from the radio ID tag; And And a transmission unit which transmits the tag information read by the reading unit and the charge amount information input through the input unit to a server or a device. The method of claim 24 or 28, wherein the wireless terminal, And a charging processing unit configured to receive predetermined charging data from a server or a device, and to charge the prepaid card function in the wireless terminal by using the received charge data. The method of claim 24 or 28, wherein the wireless terminal, Generate charging data corresponding to the charging amount input through the input unit and store the charging data in a predetermined memory, receive a predetermined charging approval code from the server or the device, and store the charging data stored in the memory based on the charging approval code. And a charging processing unit for charging the prepaid card function in the wireless terminal using data. The method of claim 24 or 28, wherein the wireless terminal, When the tag information stored in the wireless ID tag is encrypted by an encryption key, And a decryption unit for decrypting the encrypted tag information using a predetermined decryption key. 29. The wireless terminal of claim 24 or 28, wherein the wireless terminal is A prepaid card function charging system in a wireless terminal, characterized in that a predetermined program for performing a prepaid card function is provided in a memory unit provided in the wireless terminal. 29. The wireless terminal of claim 24 or 28, wherein the wireless terminal is A prepaid card function charging system in a wireless terminal, characterized in that a predetermined program for performing a prepaid card function is provided in a memory unit provided in an IC chip mounted or detached from a wireless terminal. The method of claim 24, wherein the server or device, When the tag information stored in the wireless ID tag is encrypted by an encryption key, And a decryption unit for decrypting the encrypted tag information provided from the wireless terminal using a predetermined decryption key. 35. The method of claim 24 or 34, wherein the server is A prepaid card function charging system in a wireless terminal, comprising a card company server or a financial company server and / or a VAN company server and / or a mobile communication company server. 35. The apparatus of claim 24 or 34, wherein the device is A prepaid card function charging system in a wireless terminal, characterized in that it is interlocked with a card company server or financial company server and / or VAN company server and / or mobile carrier server.