KR20050058906A - Method and system for providing fair charging service by using mobile telecommunication network and mobile communication terminal and fair charging management server therefor - Google Patents

Abstract

The present invention relates to a method and a system for providing a charge charging service using a mobile communication network.

Use the transportation fee payment service by embedding or installing an IC chip that has been charged in a certain amount, and when receiving a callback URL short message, input the kit value to approve the charging, send a charge request signal, and receive the charging data signal to charge One or more mobile communication terminals to perform; And determining whether the remaining amount is less than a predetermined amount by real-time monitoring the remaining amount for each of the mobile communication terminals, and confirming the charging target communication terminal having the remaining amount less than the predetermined amount and generating the callback URL short message. A charge charging service providing system using a mobile communication network includes a charge charging management server transmitting through the mobile communication network and generating and transmitting the charge data signal when the charge request signal is received.

According to the present invention, it is possible to automatically charge the amount of money without the user checking the remaining amount recorded in the IC chip of the mobile communication terminal.

Description

Method and System for Providing Charge Charging Service Using Mobile Communication Network, Method and System for Providing Fair Charging Service by Using Mobile Telecommunication Network and Mobile Communication Terminal and Fair Charging Management Server Therefor}

The present invention relates to a method and system for providing a charge charging service using a mobile communication network, a mobile communication terminal and a charge charging management server therefor. More specifically, a callback URL for monitoring whether the user pays the transportation fee by using a mobile terminal and asking whether the amount can be charged if the balance falls below a predetermined amount. The present invention relates to a method and a system for providing a charging service for charging a money message by transmitting a short message and immediately transmitting the money charging data to a corresponding mobile communication terminal.

In general, people use public transportation such as buses and subways to move from one place to another, and at this time, it is cumbersome to purchase each ticket used in a bus or subway each time or in a fixed amount. Moreover, in the case of buses, it is difficult to find a ticket office, so if you cannot buy a ticket, you have to pay cash.

In order to improve such a problem, there have been proposed methods for performing payment or settlement of the corresponding fare in one card when using public transportation such as a taxi, bus, subway, or the like. Among them, a typical method is to use a smart card with an integrated circuit (IC) chip. Smart cards have a microprocessor and a built-in memory that can perform simple computational tasks on their own. Smart cards can store and delete financial payment functions that can be used in various fields such as electronic money and transportation cards on IC chip type cards.

On the other hand, smart cards can be roughly divided into a contact IC card and a contactless IC card according to the interface method.

A contact IC card is a card that requires physical contact with a card reader to obtain a power and clock signal for the operation of the IC chip. The embedded microprocessor uses a complex encryption algorithm through physical contact with a card reader. It operates by getting enough power to process. Contact IC cards are used for financial applications, such as electronic money, where security is important, and for network access.

The contactless IC card is designed to prevent physical contact between the card reader and the card in order to solve the disadvantage that the chip recognition may fail due to contact point damage due to the careless handling of the contact IC card. A card that communicates with a card reader by bringing it within a certain distance without being inserted into the card. In general, a contactless IC card communicates with a card reader through RF communication.

Among these, the non-contact IC card is divided into close type and remote type according to the approach distance, and the remote type is further divided into proximity type, vicinity type, and microwave type. . The close contactless IC card gets its power from capacitive coupling, and the other remote contactless IC card gets its power from inductive coupling. In the case of a contactless IC card, the data transfer is limited to a few hundred bytes because the time required for authentication and payment is very short, approximately 200 ms, when the user passes the card reader. Therefore, contactless IC cards are widely used in single applications such as traffic cards and access control cards, which require faster transaction processing speed than contact cards.

1 is a block diagram briefly illustrating an operation principle of a conventional contactless IC card 110.

Referring to the principle of data transmission and reception between the contactless IC card 110 and the card reader 120, the user presses a specific switch to transmit and receive data with the contactless IC card 110 using the card reader 120 Set the card reader 120 to an active state. Here, the active state refers to a state in which data transmission and reception can be made between the contactless IC card 110 and the card reader 120 at once. In the active state, the card reader 120 continuously transmits a signal of a specific frequency band to the outside to transmit and receive data with the contactless IC card 110.

On the other hand, the card reader 120 consumes a large amount of current of about 30 to 40 mA to maintain an active state. In addition, a traffic card reader fixedly installed in a subway ticket office or a bus is always set to an active state and consumes a lot of power, so that power is supplied through a separate power supply.

When the contactless IC card 110 approaches the card reader 120, an induced current is generated in the antenna 114 of the contactless IC card 110 by a signal transmitted from the card reader 120, and the induced current is generated. Electromotive force is generated. Here, the antenna 114 of the contactless IC card 110 is also made of a magnetic coil. When electromotive force is formed in the contactless IC card 110, a DC voltage is generated through a kind of rectifier circuit.

The non-contact IC card 110 outputs a return signal including information of various cards from the IC chip 112 when a certain amount of voltage is accumulated through the induced current, and the output return signal is the card reader 120. Is received by the antenna 122. The card reader 120 receiving the return signal from the contactless IC card 110 transmits and receives data with the contactless IC card 110 using a frequency band of 13.56 MHz when transmitting data and a frequency band of 847 KHz when receiving data. Done.

The RF module 126 included in the card reader 120 extracts information (such as the unique serial number of the card, the user's credit information and other application information) included in the signal received from the contactless IC card, and the like. The control unit 124 and the security application module (SAM) are transmitted to 128.

The security application module 128 authenticates the contactless IC card 110 using the information received from the RF module 126 and transmits the authentication result to the controller 124. The controller 124 records the transaction result in a storage device (not shown) and transmits the transaction result to a management computer (not shown) connected to the card reader 120 through a serial communication cable.

On the other hand, when the contactless IC card described in FIG. 1 is used as a transportation card which is a transportation fee payment card, it is inconvenient to visit the transportation card charging station and charge the fee when the charged fee is exhausted. In addition, since the contactless IC card is mainly carried in a wallet or the like, there is a problem in that the risk of loss is large, and the amount of charge charged is lost. In order to solve this problem and seek convenience of use, recently, a mobile payment service for inserting a contactless IC card in a mobile communication terminal or incorporating an IC chip to pay for a transportation fee has been provided. The mobile payment service is divided into three types according to a method of mounting a subscriber identification module (SIM) chip for user authentication and an IC chip for financial settlement in a mobile communication terminal.

The first is a dual slot method, in which a separate smart card reader slot is installed in a mobile communication terminal to insert an IC card storing a financial payment application. The second is a dual chip method, which uses a mobile payment service by separately embedding an IC chip for financial settlement in a SIM chip and a mobile communication terminal. However, these two methods have a disadvantage in that the volume of the mobile communication terminal becomes large and the weight becomes heavy because a separate slot or a separate IC chip is embedded in the mobile communication terminal. The third method that improves these shortcomings is the One Chip method, in which an IC chip for financial settlement is integrated into one SIM chip. The terminal adopting the one-chip method has the advantages of being smaller and lighter than the dual slot terminal or the dual chip terminal, making it easy to carry and easy to manufacture.

In the mobile payment service described above, a predetermined amount is charged in a payment IC chip installed or embedded in a mobile communication terminal. If a user pays a transportation fee using a mobile communication terminal, the amount charged is reduced by the amount paid. Is updated and stored. Therefore, when the amount charged in the payment IC chip is exhausted or insufficient, a certain amount of money is recharged by accessing a specific web page through a wireless Internet connection using a mobile communication terminal or a wired Internet connection using a computer.

However, this conventional transportation card charging method is cumbersome for the user to check the remaining amount of money and carry out the remaining amount, and when the remaining amount is exhausted or there is not enough money left to pay the transportation fee. Even when the user is not aware of the fact that often try to pay for the transportation fee see a failure occurs.

In order to solve the above-mentioned problems, the present invention monitors the details of the user paying the transportation fee using a mobile communication terminal, and if the balance falls below a predetermined amount, a callback URL short message asking whether the amount can be charged is provided. It is an object of the present invention to provide a method and system for providing a charge charging service in which a charge is transmitted by directly transmitting a charge data to a corresponding mobile communication terminal when the charge is approved.

According to a first object of the present invention for solving the above problems, in a system for providing a charge charging service using a mobile communication network, a predetermined price including a traffic charge settlement service is embedded by mounting or mounting an IC chip that is charged in advance. When using a payment service, when receiving a callback URL short message transmitted through the mobile communication network, a kit value is input to approve the charging to send a charge request signal, and a charge data signal transmitted through the mobile communication network is used to perform charging. One or more mobile communication terminals to perform; And receiving and storing transaction history data of a payment service of each mobile communication terminal through a communication network, and monitoring the remaining amount for each mobile communication terminal in real time to determine whether the amount is less than a predetermined predetermined amount. Identifying the mobile terminal to be charged less than the predetermined amount of money, generates the callback URL short message and transmits it to the mobile terminal through the mobile communication network, and generates the charging data signal when the charging request signal is received. It provides a charge charging service providing system using a mobile communication network comprising a charge charging management server for transmitting.

According to a second object of the present invention, a predetermined fee including a traffic fare payment service through a fare payment or fare charging process using a mobile communication terminal equipped with or embedded with an IC chip in which certain amount of information and one or more financial applications are recorded. A method of providing a charge recharge service including a charge recharge management server for recharging a predetermined amount by real-time monitoring of the remaining amount charged to the mobile communication terminal to provide a payment service, wherein the charge recharge management server (a Receiving, classifying and storing transaction history data including the remaining amount periodically transmitted through the communication network; (b) determining whether the remaining amount is less than a predetermined amount; (c) generating a callback URL short message to the mobile communication terminal when the remaining amount is less than the predetermined amount; (d) receiving a charge approval signal for the callback URL short message from the mobile communication terminal through a mobile communication network; And (e) generating a charging data signal and transmitting the charging data signal to the mobile communication terminal through the mobile communication network when the charging approval signal is received. .

According to a third object of the present invention, a mobile communication terminal for charging a fee from an external fee charging management server via a mobile communication network to use for a predetermined payment service including payment of a traffic fee, wherein the mobile communication terminal is a certain number. An IC chip with a precharged amount is embedded or installed, and (a) receives and displays a chargeback confirmation callback URL short message from the charge management server, and (b) inputs a kit value to approve charging from the user. If a charge request signal is generated, and transmits to the charge management server via the mobile communication network, (c) charge the amount by receiving the charge data signal transmitted from the charge management server to store / update the IC chip And (d) a decision for the predetermined payment service through a contact or contactless data transmission / reception scheme. Provides for the terminal device and the service fee charged characterized in that the billing rates for receiving data for a payment service for the mobile terminal.

According to a fourth object of the present invention, a charge charging interoperating with a mobile communication network to remotely charge an amount of money to a mobile communication terminal that can be used as a payment means for a predetermined payment service by embedding or mounting an IC chip capable of storing price information A management server, comprising: (a) receiving, storing, and managing transaction history data of the predetermined payment service for each mobile communication terminal; and (b) monitoring a remaining amount of money for each mobile communication terminal in real time. When the remaining amount is less than the predetermined amount compared to the amount, a callback URL short message for requesting yog charging is generated and transmitted to the corresponding mobile communication terminal. (C) When a charge request signal is transmitted from the corresponding mobile communication terminal. And generating a charging data signal and transmitting the charging data signal to the corresponding mobile communication terminal. Provides fee charging management server.

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

First, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

2 is a block diagram schematically illustrating a traffic fare charging service system 200 using a mobile communication network according to an exemplary embodiment of the present invention.

Traffic fare charging service system 200 using a mobile communication network according to a preferred embodiment of the present invention is a mobile communication terminal 210, card reader 220, traffic operator server 230, dedicated communication network 240, wireless access network ( 250, a mobile switching center 260, a short message service center 270, and a charge charging management server 280 for managing the user database 282, and the like.

The mobile communication terminal 210 has a built-in or mounted IC chip having a traffic fee payment function to pay a traffic fee, display a payment history and remaining amount, and recharge when the remaining amount is exhausted or falls below a certain amount. It is a terminal. Here, the IC chip embedded in or mounted on the mobile communication terminal 210 includes a contactless type, and when the mobile communication terminal 210 approaches the card reader 220 within a predetermined distance, the IC chip is supplied with power and driven to perform a payment function. . Of course, when the IC chip is mounted on the mobile communication terminal 210 may include a contact type.

In the IC chip embedding or mounting method, an integrated IC chip in which a predetermined amount of IC chips are pre-charged in a manufacturing step of the mobile communication terminal 210 may be embedded separately from the SIM chip or combined with the SIM chip. In addition, a user may separately purchase an IC chip, which is charged at a predetermined sales location, and mount it on the mobile communication terminal 210. After removing the battery of the mobile communication terminal 210, the user installs the IC chip in an IC chip mounting slot (not shown) formed on the back of the mobile communication terminal 210, and then removes the battery. Can be used in combination with the mobile communication terminal 210 again. Among the three methods described above, an integrated IC chip in which a SIM chip in which user authentication information is stored and an IC chip in which a financial settlement application is stored are combined.

In addition, according to an embodiment of the present invention, the mobile communication terminal 210 receives a callback URL short message transmitted through the mobile communication network when the remaining amount charged to the IC chip is exhausted or less than a predetermined amount, Sends a charge request signal containing information about the system. A method of charging a traffic fare for the mobile communication terminal 210 according to an embodiment of the present invention will be described later together with the charge charging management server 280.

Meanwhile, the mobile communication terminal 210 according to the embodiment of the present invention may be a PDA (Personal Digital Assistant), a cellular phone, a Trunked Radio System (TRS) phone, a PCS (Personal Communication Service) phone, a GSM (Global System). for Mobile (W Mobile) phone, Wideband CDMA (W-CDMA) phone, CDMA-2000 phone, Mobile Broadband System (MBS) phone and the like. Here, MBS phone refers to a mobile phone to be used in the fourth generation system currently being discussed.

On the other hand, the internal configuration and function of the mobile communication terminal 210 according to an embodiment of the present invention will be described in more detail with reference to FIG.

The card reader 220 is installed in public transportation means such as subway ticket gates, buses, taxis, and the like and communicates with the IC chip built in or mounted in the mobile communication terminal 210 within a predetermined distance. Receive payment and store transaction history. Here, the transaction details may include transaction date and time, transaction amount, remaining amount information, user information, and the like.

The traffic service provider server 230 is a server installed in a traffic service operator that operates a subway, a bus, a taxi, and the like, and receives and stores transaction history data stored in a plurality of card readers 220 using a wired or wireless communication method. Perform the function. In addition, the transportation service provider server 230 periodically transmits the transaction history data received and stored from the plurality of card readers 220 to the charge charging management server 280 through the dedicated communication network 240 such as once or twice a day. It also performs the function of transmitting.

A radio access network (RAN) 250 receives a callback URL short message transmitted from the charge management server 280 through the mobile switching center 260 to transmit a mobile communication terminal 210 through a paging channel. ), Handoff, and radio resource management.

Meanwhile, the radio access network 250 includes a base station transmitter 252 and a base station controller 254 and supports both synchronous and asynchronous mobile communication systems. Here, in the synchronous mobile communication system, the base station transmitter 252 is a base transceiver station (BTS), the base station controller 254 is a base station controller (BSC), and in the case of an asynchronous mobile communication system, the base station transmitter 252 is a RTS (Radio). The base station controller 254 is a radio network controller (RNC). Of course, the wireless access network 250 according to the embodiment of the present invention is not limited to a synchronous or asynchronous CDMA mobile communication network, but includes an access network of a GSM network and a fourth generation mobile communication system (All-IP communication network) currently being standardized. can do.

The base station transmitter 252 receives the charge request signal from the mobile communication terminal 210 through the traffic channel of the signal channel and transmits it to the base station controller 254. In general, the base station controller 254 controls the base station transmitter 252, and assigns and releases radio channels for the mobile communication terminal 210, controls the transmission output of the mobile communication terminal and the base station transmitter 252, and soft handoffs. Handoff and Hard Handoff decisions are made.

The mobile switching center (MSC) 260 is equipped with a plurality of electronic exchanges for basic and additional service processing, incoming and outgoing call processing of subscribers, location registration and handoff procedures, and interworking with other networks. Perform. The mobile switching center 250 according to the embodiment of the present invention supports both IS-95 A / B / C systems, 3rd generation and 4th generation mobile communication networks in synchronous and asynchronous mobile communication networks.

To this end, the mobile switching center 250 includes an access switching subsystem (ASS) performing distributed call processing, an INS (interconnection network subsystem) performing centralized call processing, and a centralized function of management and maintenance. Subsystem such as a Control Subsystem) and a Location Registration Subsystem (LRS) for storing and managing information on mobile subscribers. In addition, the mobile switching center 230 may include an Asynchronous Transfer Mode (ATM) switch (not shown) in order to increase data transmission rate and efficiency of line use by transmitting data in a cell-based packet manner. have.

The short message service center (SMSC) 270 receives the callback URL short message transmitted from the charge management server 280, temporarily stores the message, and stores the callback URL short message. It performs the function of transmitting to the terminal 210. The SMSC 270 uses the telephone number of the mobile communication terminal 210 included in the received callback URL short message to the mobile switching center 260 to control the area where the mobile communication terminal 210 is located. Request the identification code of. The mobile switching center 260 may identify an identification code of the wireless access network 250 using a home location register (HLR) and transmit the identification code to the SMSC 270. The SMSC 270 transmits the stored callback URL short message to the mobile communication terminal 210 using the received identification code of the wireless access network 250.

In addition, the SMSC 270 transmits the callback URL short message to the mobile communication terminal 210 through the mobile communication network, and stores the callback at periodic intervals until receiving the acknowledgment message from the mobile communication terminal 210. Attempt to send a URL short message. The SMSC 270 deletes the stored short message when receiving the acknowledgment message from the mobile communication terminal 210.

The charge charging management server 280 receives transaction history data transmitted from the plurality of transportation server servers 230 through the dedicated communication network 240 and stores the transaction history data in the user database 282 and for each user included in the transaction history data. Continuously monitor the remaining amount. In addition, if the charge charge management server 280 monitors the transaction history and determines that the remaining amount is less than or equal to the predetermined amount, the charge charge management server 280 generates a callback URL short message asking whether the amount is charged or not and moves through the SMSC 270 and the mobile communication network. Transmit to communication terminal 210. Here, the callback URL short message includes information on the remaining amount, the amount of charge, whether or not the amount is charged, and the amount of charge may be changed.

On the other hand, when the charge charge management server 280 according to an embodiment of the present invention receives a charge request signal as a response signal to the callback URL short message transmitted from the mobile communication terminal 210, the charge amount included in the callback URL short message Generates charging data for charging of and transmits the charging data to the mobile communication terminal 210 through the mobile communication network 260. Here, the charge management server 280 unconditionally checks the payment account, such as the credit card limit, the mobile phone limit of the user of the mobile communication terminal 210 that transmits the charge request signal in conjunction with an external financial institution system unconditionally Approve payment

The bill is then added to the bill, which is settled monthly and issued online or offline. Toll charge management server 280 to generate and send a callback URL short message for querying whether to charge the amount of charge for transportation charges, and to generate and transmit charge data in response to a charge request signal received from the mobile communication terminal 210 May be installed and operated in an outsourcing company commissioned by a mobile communication service provider or a mobile communication service provider.

Meanwhile, in FIG. 1, only the transportation fee payment service is described using the mobile communication terminal 210. However, the technical idea of the present invention is not limited thereto, and may be applied to payment or payment services of various items or services. will be.

3 is a block diagram schematically illustrating an internal configuration of a charge charging management server 280 according to an embodiment of the present invention.

Charge charge management server 280 according to an embodiment of the present invention is a network interface card (NIC) unit 310, transaction history processing unit 320, monitoring module unit 330, control unit 340, short message generator ( 350, a charging data generation unit 360, a charging module unit 370, a DBMS (DataBase Management System) unit 380, and the like.

The NIC unit 310 is an interface device for transmitting and receiving data for data communication between the external wired communication network and the charge management server 280, and a data communication function and a mobile communication network with the transport operator server 230 through the dedicated communication network 240. Performs data transmission and reception function with the mobile communication terminal 210 through.

The transaction history processing unit 320 collects transaction history data received by the NIC unit 310 through the traffic service provider server 230 and the dedicated communication network 240, and classifies the data by user into a user database through the DBMS unit 380. 282).

The monitoring module unit 330 monitors the remaining amount of transaction history data for each user stored in the user database 282 in real time through the DBMS unit 380 while the remaining amount is smaller than the predetermined amount. And classify the fact to the control unit 340.

The control unit 340 receives the information on the charging target user from the monitoring module unit 330, for example, a phone number of the mobile communication terminal, to identify the charging target user, and to the charging target user by the short message generator 350 to be described later. Control the creation of short messages by passing information about them. In addition, the controller 340 transmits a transaction request signal of the transaction history data to the transportation service provider server 230 through the NIC unit 310, controls to generate charging data, or controls to charge the billing management server ( 280 controls the overall operation.

When the short message generating unit 350 receives the short message generating request signal and the charging target user information from the control unit 340, the short message generating unit 350 includes charge amount, remaining amount, whether to charge the amount, and URL address information of the charge charging management server 280. The generated callback URL short message is generated and transmitted to the mobile communication terminal 210 through the NIC unit 310 and the mobile communication network. Therefore, the controller 340 controls the charging data generation unit 360 to perform a charging data generation operation when receiving the charging request signal transmitted from the mobile communication terminal 210 through the mobile communication network and the NIC unit 310.

When the charging data generation unit 360 receives the charging data generation request signal, the charging target user information, and the charging amount information from the control unit 340, the charging data generating unit 360 generates charging data and transmits the charging data to the mobile communication terminal 210 through the NIC unit 310 and the mobile communication network. To send). Here, the charging data stores information on a phone number, a charge amount, and the like of the mobile terminal to be charged.

The charging module unit 370 receives the charging control signal together with the charging target user information and the charging amount information from the controller 340 to generate the communication charge data for the corresponding user, and adds the charged amount to process the communication charge data. Perform the function to create.

The DBMS unit 380 performs operations such as storing, deleting, editing, searching, and extracting transaction history data stored in the user database 282 under the control of the controller 340. The DBMS unit 380 is a relational database management system (RDBMS) such as MySQL, Oracle, Infomix, Sybase, or an object-oriented database such as Gemston, Orion, O2, etc. It can be implemented for the purpose of the present invention using an XML native database such as management system (OODBMS) and Excelon, Tamino, Sekaiju, etc., and achieves its own functions. It may have a suitable field or elements to do so.

Since the construction and management of the database required for the present invention can be sufficiently performed by those skilled in the art, detailed description thereof will be omitted.

4 is a block diagram briefly illustrating an internal configuration of a mobile communication terminal 210 according to an embodiment of the present invention.

The mobile communication terminal 210 according to the embodiment of the present invention may be largely classified into a mobile communication terminal unit 410 and an RF IC (hereinafter, referred to as an RF IC) unit 420.

The mobile communication terminal 410 includes an antenna 411, a wireless receiver 412, a signal branch 413, a general signal processor 414, a wireless transmitter 415, an LCD display 416, and a key input unit 417. And a signal controller 418 and a signal converter 419. In addition, the RF IC unit 420 includes an RF IC antenna 421, an RF modulator 422, a control unit 423, and a memory unit 424.

The antenna 411 down-converts the frequency band of the received signal received through the mobile communication network, modulates it into a low frequency band that is easy to process, and transmits the frequency band to the wireless receiver 412.

The wireless receiver 412 checks parity in the received signal or performs a cyclic redundancy check (CRC) in order to verify whether the received signal input from the antenna 411 is normally received. If a lot of errors occur that cannot be decoded, the decoded message is transmitted to the signal branch unit 413. When decoding is impossible, the signal controller 418 transmits a signal retransmission message to the mobile communication network through the antenna 411 to receive the signal again.

The signal branching unit 413 determines whether the received signal decoded by the wireless receiving unit 412 is a callback URL short message signal, a voice signal, a general data signal, or a charging data signal. Performs the function of discriminating by using the code recorded in the) part. When the signal branch unit 413 determines the type of the received signal and determines that the received signal is a voice signal, a general data signal, and a callback URL short message signal, the signal branch unit 413 transfers the received signal to the general signal processor 414. The general signal processor 414 transmits the received signal received from the signal branch unit 413 to the signal controller 418 through a demodulation operation. On the other hand, if it is determined that the received signal is a charging data signal, the signal branching unit 413 notifies the signal controller 418 that the charging data signal has been received.

The wireless transmitter 415 receives a charging success signal from the signal controller 418 indicating that the charging of the money has been successfully performed, and transmits the signal to the charge management server 280 through the antenna 411. The liquid crystal display (LCD) display unit 416 displays the callback URL short message received by the mobile communication terminal 210 under the control of the signal control unit 418, and proceeds to charge the amount of money, the amount of charge, the amount of success or failure of the charge. Display characters about the text. The key input unit 417 is a component that transmits the kit value input from the user to the signal controller 418. The key input unit 417 performs a function for inputting a charge amount data of the received callback URL short message.

The signal controller 418 receives the charge data signal from the signal branch unit 413, and converts the charge amount included in the charge data signal and the memory address of the memory unit 423 to store the charge amount into the signal converter 419. To pass.

The signal converter 419 which receives the charge amount information and the memory address information from the signal controller 418 modulates a signal including the charge amount information and the memory address information and transmits the modulated signal to the RF demodulation unit 422.

The RF IC antenna 421 is driven by receiving power from the card reader 220 through RF communication to perform data communication for paying a transportation fee. The RF IC antenna 421 transfers the transaction history data received from the card reader 220 to the RF modulator 422.

The RF demodulation unit 422 demodulates a transaction history data signal received from the RF IC antenna 421 and a modulation signal including charge amount information and memory address information received from the signal conversion unit 419 to the control unit 423. To pass.

The control unit 423 stores the transaction history data in the memory unit 424 using demodulated transaction history data, charge amount information, memory address information, etc. received from the RF modulation and demodulation unit 422, and stores the charge amount in the corresponding memory address. Save on to control your transportation charges to be charged.

5 is an exemplary screen illustrating a traffic fare charging process of a traffic fare charging service displayed on the mobile communication terminal 210 according to an embodiment of the present invention.

The mobile communication terminal 210 which receives the callback URL short message transmitted from the charge management server 280 through the mobile communication network demodulates the callback URL short message and displays the contents of the callback URL short message on the LCD display 416 as 5A. Is displayed. Referring to 5A, it can be seen that the contents of the balance (1,000 won) and the charged amount (30,000 won) recorded in the user's mobile communication terminal 210 and whether to charge the mobile terminal are displayed. Therefore, the user can check the balance and the amount of charge, for example, send a charge request signal by pressing the "confirm" button or immediately terminate the charging operation by pressing the "cancel" button.

When the user presses the "OK" button at 5A, a screen indicating that the charge request signal is being transmitted is displayed at the same time as the charge request signal is transmitted as shown in 5B. When the mobile communication terminal 210 receives the charging data signal through the charge charge management server 280 and the mobile communication network, the mobile communication terminal 210 displays a screen indicating that the charging operation is in progress as shown in 5C. When the charging operation is completed in 5C, the mobile communication terminal 210 displays the content indicating that the charging operation is completed, such as 5D and the balance after charging (31,000 won). Of course, if the charge amount is unconditionally approved on the screen of 5A or the screen of 5D, it will be desirable to be displayed along with the content that will be charged in addition to the future communication charges.

On the other hand, it is described in Figures 2 to 5 that the callback URL short message includes only one specific charge amount information and the content to query the charge or not for the charge amount, but is not limited thereto. That is, the callback URL short message may include a charge amount selectable means for allowing a user to specifically enter a charge amount or to select one of the plurality of candidate charge amounts.

6 is a flowchart illustrating a traffic charge charging service process in the mobile communication terminal 210 according to an embodiment of the present invention.

The user uses a transportation fee payment service using a mobile communication terminal 210 equipped with or embedded with an IC chip in which a financial payment application and a charge amount are recorded (S600). The card reader 220 performing data communication with the mobile communication terminal 210 transmits the generated transaction details data to the traffic service provider server 230 periodically through wired / wireless communication (S602).

The transportation service provider server 230 receiving and storing transaction history data from the plurality of card readers 220 collects the transaction history data and periodically transmits the transaction data to the charge management server 280 through the dedicated communication network 240. (S604). The charge charging management server 280 that receives the transaction history data through the dedicated communication network 240 is classified by user and stored in the user database 282 (S606). Here, the dedicated communication network refers to a communication network in which a communication provider provides a part of a public communication network so that a specific group or user can configure a unique communication network that can be used for own communication.

The monitoring module unit 330 of the charge management server 280 checks the remaining amount stored in the user database 282 in real time (S608). The charge charging management server 280 determines whether the remaining amount is less than the predetermined amount as a result of the check in step S608 (S610).

If it is determined in step S610 that the remaining amount is less than the predetermined amount, the charge charging management server 280 generates a callback URL short message and transmits it to the mobile communication terminal 210 through the mobile communication network (S612). The mobile communication terminal 210 receiving the callback URL short message through the mobile communication network demodulates and displays the callback URL short message (S614). In addition, when a user of the mobile communication terminal 210 checks the callback URL short message displayed on the LCD display unit 416 and inputs a predetermined kit value, a response signal is transmitted from the mobile communication terminal 210.

The charge management server 280 receives the response signal transmitted from the mobile communication terminal 210 through the mobile communication network (S616), and determines whether the charging approval signal (S618). If the charge management server 280 determines that the charge approval signal as a result of the determination in step S618, the charge charge management server 280 generates the charge amount data without querying or inquiring the balance of the user's payment account to the mobile communication terminal 210 through the mobile communication network. It transmits (S620).

The mobile communication terminal 210 having received the charge amount data through the mobile communication network completes the charging operation by demodulating the charge amount data and storing the charged amount in the memory area of the IC chip (S622). When the charging operation in step S622 is completed, the mobile communication terminal 210 displays the charging amount and the charging result on the screen (S624).

The above description is merely illustrative of the present invention, and those skilled in the art to which the present invention pertains may various modifications without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto shall be construed as being included in the scope of the present invention.

As described above, there is a problem that the user needs to perform a cumbersome process such as inputting and transmitting the charge amount through the charging station or the wireless Internet when the user wants to check the remaining amount in the transportation charge charging service using the conventional mobile communication terminal. However, according to the present invention has the advantage of automatically notifying the need for charging by monitoring the remaining amount of the user in real time on the server.

In addition, it is possible to immediately charge by omitting the financial information inquiry procedure such as checking the balance of the user's payment account in the process of recharging, thereby improving the shortcomings of the conventional transportation fare charging service that cannot be charged because there is no user balance. It works.

1 is a block diagram briefly showing the operating principle of a conventional contactless IC card;

2 is a block diagram schematically illustrating a traffic fare charging service system using a mobile communication network according to an embodiment of the present invention;

3 is a block diagram briefly showing an internal configuration of a charge management server according to an embodiment of the present invention;

4 is a block diagram schematically showing an internal configuration of a mobile communication terminal according to an embodiment of the present invention.

5 is an exemplary screen illustrating a traffic fare charging process of a traffic fare charging service displayed on a mobile communication terminal according to an embodiment of the present invention;

6 is a flowchart illustrating a traffic charge charging service process in a mobile communication terminal according to an embodiment of the present invention.

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

110: contactless IC card 112: IC chip

114, 122, 411: Antenna 120, 220: Card Reader

210: mobile communication terminal 230: traffic operator server

240: dedicated communication network 250: wireless access network

260: mobile switching center 270: short message service center

280: charge management server 282: user database

320: transaction history processing unit 330: monitoring module unit

340 control unit 350 short message generating unit

360: charging data generation unit 370: charging module unit

380: DBMS unit 410: mobile communication terminal unit

412: wireless receiver 413: signal branch

414: general signal processing unit 415: wireless transmission unit

416: LCD display unit 417: key input unit

418: signal controller 419: signal converter

420: RF IC unit 421: RF IC antenna

422: RF modulation and demodulation unit 424: Memory unit

Claims (40)

In the charge charging service providing system using a mobile communication network, Kit value is provided by using a predetermined payment service including an integrated charge (IC) chip, which is charged in a predetermined amount, and including a transportation fee payment service, and receiving a callback URL short message transmitted through the mobile communication network. At least one mobile communication terminal configured to accept charging by transmitting a signal, to send a charge request signal, and to receive a charging data signal transmitted through the mobile communication network to perform charging; And Receive and store transaction history data of payment service of each mobile communication terminal through a communication network, and monitor the remaining amount for each mobile communication terminal in real time to determine whether it is less than a predetermined predetermined amount, Identify the mobile terminal to be charged that the remaining amount is less than the predetermined amount, generate the callback URL short message, transmit the generated callback URL short message to the mobile terminal through the mobile communication network, and receive the charging data signal when the charging request signal is received. Charge Management Server that creates and sends Charge charging service providing system using a mobile communication network comprising a. The method of claim 1, The callback URL short message provides a charge charging service using a mobile communication network, characterized in that at least one of a charge amount, a remaining amount, a content related to a query for charging or not, and URL address information of the charge management server. system. The method of claim 1, The charging data signal is a charge charging service providing system using a mobile communication network, characterized in that the charge amount data to be charged in the mobile communication terminal. The method of claim 1, And at least one of information on identification information, transaction date and time, transaction amount, and remaining amount of each of the mobile communication terminals is stored in the transaction history data. The method of claim 1, The IC chip is a charge charging service providing system using a mobile communication network, characterized in that one or more financial applications (Application) for using the predetermined payment service is stored. The method of claim 5, The IC chip is a charge charging service providing system using a mobile communication network, characterized in that for transmitting and receiving data through the RF (Radio Frequency) method. The method according to claim 1 or 5, The mobile communication terminal is a charge charging service providing system using a mobile communication network comprising a separate mounting slot for mounting the IC chip. The method according to claim 1 or 5, And the mobile communication terminal embeds the IC chip separately from a subscriber identification module (SIM) chip or integrates the IC chip in the SIM chip. The method of claim 1, The fare charging service providing system receives and stores the transaction history data through a card reader installed at a predetermined place or transportation means and transmits the transaction history data to the fare charging management server through a communication network. Toll charging service providing system using a mobile communication network, characterized in that it further comprises one or more transport operator server. The method of claim 1, The charge charging service providing system includes a short message service center (SMSC) that receives and temporarily stores the callback URL short message from the charge management server and transmits the short message message to the corresponding mobile communication terminal through the mobile communication network. Charge charging service providing system using a mobile communication network characterized in that it further comprises. The method of claim 1, The charge charging management server is a charge charging service providing system using a mobile communication network, characterized in that interlocking with the user database that stores the transaction history data classified by user. The method of claim 1 or 10, wherein the charge management server A transaction history processing unit classifying the transaction history data received for each user and storing the transaction history data in the user database; A monitoring module unit for monitoring the remaining amount in real time for each user to determine whether the remaining amount is less than the predetermined amount and delivering a determination result; A control unit configured to receive the determination result, generate and transmit a callback URL short message transmission signal, and generate and transmit a charging data transmission signal; A short message generating unit which receives the callback URL short message transmission signal from the control unit and generates and transmits the callback URL short message; A charging data generation unit configured to receive the charging data transmission signal from the control unit and generate and transmit the charging data; And Charging module unit for charging the user the charge amount recorded in the charge data Charge charging service providing system using a mobile communication network comprising a. The method according to claim 11 or 12, The charge charging management server further includes a database management system (DBMS) for storing the transaction history data in the user database or deleting, searching, extracting, and changing the transaction history data stored in a mall user database. Charge charging service providing system using a mobile communication network, characterized in that. The method of claim 12, wherein the charging module unit (a) receiving an amount corresponding to the charged amount from an external banking system having a charging user's account; (b) charging the sum of the charges to the communication fee of the corresponding mobile communication terminal; And (c) a method of requesting / approving a credit card payment for the recharge amount from a credit card system associated with the recharging user; Toll charging service providing system using a mobile communication network, characterized in that operated in one or more ways. The method of claim 1, The mobile terminal includes a PDA (Personal Digital Assistant), a cellular phone, a Trunked Radio System (TRS) phone, a PCS (Personal Communication Service) phone, a GSM (Global System for Mobile) phone, W-CDMA (Wideband CDMA) A charge charging service providing system using a mobile communication network, characterized in that at least one of the phone, CDMA-2000 phone, MBS (Mobile Broadband System) phone. The method of claim 1, The mobile communication network includes a wireless access network and a mobile switching center, wherein the wireless access network includes a base transceiver station (BTS) and a base station controller (BSC) in a synchronous mobile communication system, and an RTS (radio transceiver) in an asynchronous mobile communication system. Subsystem) and RNC (Radio Network Controller) system for providing a charge charging service using a mobile communication network, characterized in that. The mobile terminal is provided with a predetermined amount of information and at least one financial application, or a mobile terminal equipped with or embedded therein, to provide a predetermined payment service including a transportation fee payment service through a fee payment or charge charging process. A charge charging service including a charge charging management server configured to monitor a residual amount charged in a communication terminal in real time to charge a predetermined amount, and the charge charging management server includes: (a) receiving, classifying and storing transaction history data including the remaining amount periodically transmitted through the communication network; (b) determining whether the remaining amount is less than a predetermined amount; (c) generating a callback URL short message to the mobile communication terminal when the remaining amount is less than the predetermined amount; (d) receiving a charge approval signal for the callback URL short message from the mobile communication terminal through a mobile communication network; And (e) generating a charging data signal when receiving the charging approval signal and transmitting the charging data signal to the mobile communication terminal through the mobile communication network; Charge charging service providing method using a mobile communication network comprising a. 18. The method of claim 17, wherein in step (a) And the transaction history data further includes at least one of identification information of the mobile communication terminal, transaction date and time, and transaction information. The method of claim 18, The identification information of the mobile communication terminal includes a charge number service providing method using a mobile communication network. 18. The process of claim 17, wherein in step (c) The callback URL short message provides a charge charging service using a mobile communication network, characterized in that at least one of a charge amount, a remaining amount, a content related to a query for charging or not, and URL address information of the charge management server. Way. The method of claim 20, Receiving the callback URL short message, the mobile terminal displays the charge amount, the remaining amount, and the contents of the charge availability query, and generates a charge approval signal when the kit value corresponding to the charge approval is input. A charge charging service providing method using a mobile communication network, characterized in that the transmission to the charge management server. 18. The process according to claim 17, wherein in step (d) The charge charging management server receives the charge approval signal and simultaneously generates and transmits the charge data signal. 18. The process according to claim 17, wherein in step (e) The charging data signal is a charge charging service providing method using a mobile communication network, characterized in that the charge amount data to be charged in the mobile communication terminal. The method of claim 23, The mobile communication terminal receiving the charge data signal performs a charging operation for storing a predetermined charge amount in the IC chip using the charge amount data. The method of claim 24, And when the charging operation is successfully performed, the mobile terminal displays the predetermined charging amount, the remaining amount updated after charging, and a success message of the charging operation. The method of claim 17, (f) the charge recharging management server further comprises the step of performing the charge for the charge amount, the charge charging service providing method using a mobile communication network. 27. The method of claim 26, wherein step (f) comprises: (f1) receiving an amount corresponding to the charged amount from an external banking system having a charging user's account; (f2) charging the sum of the charges to the communication fee of the corresponding mobile communication terminal; And (f3) request / authorization of credit card payment for the charge amount from the credit card system associated with the charging user; Method of providing a charge charging service using a mobile communication network, characterized in that made of one or more of. A mobile communication terminal for charging a fee from an external fee charging management server via a mobile communication network for use in a predetermined payment service including payment of a transportation fee, wherein the mobile communication terminal has a built-in IC chip in which a predetermined amount is charged in advance. Or is fitted, (a) receiving and displaying a chargeback confirmation callback URL short message from the charge management server; (b) when a kit value for approving charging is input from the user, a charging request signal is generated and transmitted to the fee charging management server through the mobile communication network; (c) charges the amount of money by receiving the charging data signal transmitted from the charge management server, storing and updating the IC chip, (d) Receiving payment by receiving payment terminal device and payment data for the predetermined payment service through contact or contactless data transmission and reception method; Mobile communication terminal for providing a charge charging service, characterized in that. The method of claim 28, The callback URL short message may include at least one of a charge amount, a remaining amount, a content related to a query for charging or not, and URL address information of the charge management server. . The method of claim 28, And at least one of the callback URL short message and the charge request signal includes a charge amount selectable means for allowing a user to specify a charge amount. The method of claim 30, The charging amount selectable means lists a plurality of target charging amounts for the user to select one, or the mobile communication terminal for providing a charge charging service, characterized in that the user is configured to input the charging amount. 29. The method of claim 28, wherein the mobile communication terminal (e) a mobile communication terminal for providing a charge recharge service after displaying the charge and / or after performing the predetermined payment service, displaying the fact of charge or fact of payment and balance information. A billing management server interworking with a mobile communication network to remotely charge an amount to a mobile communication terminal that can be used as a payment means of a predetermined payment service by embedding or mounting an IC chip capable of storing price information. (a) receiving, storing and managing transaction history data of the predetermined payment service for each mobile communication terminal; (b) monitoring the remaining amount in real time for each mobile communication terminal in real time and generating a callback URL short message for querying the charge of the yog when the remaining amount is less than the predetermined amount, and generating a callback URL short message; To, (c) generating a charging data signal and transmitting the charging data signal to the corresponding mobile communication terminal when the charging request signal is transmitted from the corresponding mobile communication terminal; Charge charging management server, characterized in that. The method of claim 33, wherein The callback URL short message may include at least one of a charge amount, a remaining amount, a content related to a charge or not query, and URL address information of the charge charge management server. The method of claim 33, wherein And at least one of the callback URL short message and the charge request signal includes a charge amount selectable means for allowing a user to specify a charge amount. 36. The method of claim 35 wherein The charge amount selectable means may be configured to list a plurality of target charge amounts for the user to select one, or to allow the user to input the charge amount. 34. The method of claim 33, wherein the charge management server A transaction history processing unit classifying the transaction history data received for each user and storing the transaction history data in the user database; A monitoring module unit for monitoring the remaining amount in real time for each user to determine whether the remaining amount is less than the predetermined amount and delivering a determination result; A control unit configured to receive the determination result, generate and transmit a callback URL short message transmission signal, and generate and transmit a charging data transmission signal; A short message generating unit which receives the callback URL short message transmission signal from the control unit and generates and transmits the callback URL short message; A charging data generation unit configured to receive the charging data transmission signal from the control unit and generate and transmit the charging data; And Charging module unit for charging the user the charge amount recorded in the charge data Charge charging management server comprising a. The method of claim 37, wherein the charging module unit (a) receive a payment from the external banking system where the account of the charging user is located; (b) charges the sum of the charges to the communication fee of the corresponding mobile communication terminal; (c) charging the recharge amount by requesting / authorizing a credit card payment for the recharge amount from a credit card system associated with the recharging user; Charge charging management server, characterized in that. The method of claim 33, wherein And at least one of information on identification information, transaction date and time, transaction amount, and remaining amount of each of the mobile communication terminals is stored in the transaction history data. The method of claim 33, wherein The charge charging management server receives and stores the transaction history data from an external payment service payment terminal device using a wired or wireless communication means.