KR20050061009A - Electronic-cash auto-charging method to mobile phone and the mobile phone - Google Patents

Abstract

The automatic charging method of the present invention in the mobile phone is stored prepaid electronic money,

Receiving a final balance updated as a result of using the electronic money;

Checking whether the balance value is less than or equal to a set limit balance;

If it is determined that the limit is less than the balance, generating a charging request data and transmitting the electronic money management server through a wireless mobile communication network;

And storing the electronic money value data received from the electronic money management server through a wireless mobile communication network in the mobile phone.

Description

Automatic charging method of electronic money to mobile phone and its mobile phone {ELECTRONIC-CASH AUTO-CHARGING METHOD TO MOBILE PHONE AND THE MOBILE PHONE}

The present invention relates to an automatic charging method using a mobile communication network in a mobile phone that stores electronic money value therein.

Existing real money not only has problems such as inconvenience of transaction, inconvenience of carrying, and cost of making money, but also makes it unsuitable for purchasing goods from far away. Electronic money is a currency composed of digital data to play the role of coins or banknotes in the virtual space of digital society based on digital data. More specifically, electronic money refers to goods that can be traded through a network such as the Internet or a communication network. . The need for such electronic money is greatly increased due to the rapid development of the Internet and electronic commerce, and it is also used as a means for micropayment mainly in the transactions between individuals and companies. In other words, electronic money is widely used for payment methods of several hundred won to tens of thousands of won.

Electronic money includes network type electronic money and card type electronic money. Network type electronic money is a value stored in an electronic wallet program installed on a computer. For security reasons, transactions are mainly performed online (in connection with an electronic money management server). Card-type electronic money can be implemented more safely and conveniently through smart cards, and is expected to be deployed in this direction in the future. In general, smart cards are defined as `` credit card-sized plastic cards with integrated circuit chips that have the ability to handle specific transactions by having a microprocessor, card operating system, security module, memory, etc. '' . Types of such smart cards are classified into contact cards, contactless cards, and mixed cards according to data reading methods.

The contact card refers to an interface device that accommodates it, that is, a card that is activated by contact of the card with the contact of the interface device when inserted into the card terminal. There is a risk of damage, but it is used in a field that requires a high level of security and needs to perform a specific encryption algorithm in the card. It is the same as the card, but the power supply for driving the chip in the card is made through the electromagnetic coupling of the coil in the card and means a type of card using the electromagnetic induction method for communication with the interface device. The non-contact card is strong in the external environment because there is no direct contact with the interface device, and there is an advantage that the chip in the card is broken by the static electricity induced at the contact point, but the manufacturing cost and the interface device accommodating it are The disadvantage is that it is 1.5 to 2.5 times more expensive. Generally, a contactless card is applied to traffic, parking, access control, or the like, which is a type of service which directly manipulates information in the card or requires less confirmation.

Finally, the hybrid card is a type of card that supports both contact and contactless card types, such as a Combi card (Combi card) and a hybrid card (Hybrid card). The two cards have something in common in that they support both contact and contactlessness, but the architecture is slightly different. Combi cards are chemically combined cards that share parts that can be shared by contact / contactless cards within a single card.The combination card allows the integration of heterogeneous applications (eg chip operating system, same key or password) through internal resource sharing. Can bring However, if the shared memory area is compromised, both contact / contactless card functionality can be paralyzed. Hybrid cards exist in a single card, in which physical contact cards and contactless cards exist in separate forms. Therefore, in the use of hardware resources (e.g., using independent memory) and software resources (e.g., a separate operating system must exist) It is inefficient and the manufacturing cost is also somewhat high.

Card-type electronic money is divided into pre-paid and post-paid. Prepaid is a method in which the user pays the amount in advance and charges and stores the value of the electronic money in the card. The usage history is collected and settled to the user later.

The smart chip used in the card-type electronic money was originally intended to be used as a smart card embedded in a credit card-sized plastic card. However, many implementations have been conceived in the mobile phone for user convenience and various applications. In this case, the smart chip embedded in the mobile phone becomes a so-called SIM type chip inserted into a socket provided on the mobile phone to perform data communication with the mobile phone in a contact manner. A SIM is a smart chip that contains subscriber personal information that is specified in the IMT2000 specification to be inserted into a socket provided in a mobile phone. In order to implement the RF traffic card function in a mobile phone, the smart chip must have a terminal for connecting an external loop type RF antenna in addition to a terminal for being inserted into a SIM socket of the mobile phone.

At present, all of these card-type or mobile phone-type prepaid electronic money must be charged in advance for a certain amount of value in the card, but it is not convenient for the card user to go to a separate charger for charging.

In order to solve the inconvenience, application number 10-1998-0016230 "bill payment system using a wireless mobile communication network" has been proposed. The application is an invention for charging the electronic money for the RF card embedded in the mobile phone using a mobile communication network.

With the above application, a mobile phone type prepaid electronic money user can immediately recharge anytime and anywhere through a mobile communication network. However, if a user is aware of the lack of electronic money embedded in the mobile phone on a busy day, It is necessary to carry out the filling by busy operation, which is impossible in reality and must pay extra cash.

The present invention has been made to solve the above problems, in the mobile phone is stored prepaid electronic money, to provide an automatic charging method for automatically charging when the amount of charged electronic money falls below a certain level. There is this.

In the automatic charging method of the present invention for achieving the above object in the procedure performed by the control unit of the mobile phone is stored prepaid electronic money,

Receiving a final balance updated as a result of using the electronic money;

Checking whether the balance value is less than or equal to a set limit balance;

If it is determined that the limit is less than the balance, generating a charging request data and transmitting the electronic money management server through a wireless mobile communication network;

And storing the electronic money value data received from the electronic money management server through a wireless mobile communication network in a mobile phone.

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

The whole electronic money system in which the present invention is used,

A controller for controlling the overall operation of the mobile phone, a wireless communication module for performing data communication for voice call and electronic money charging, an electronic money value storage for storing value information of a prepaid electronic money, and the charged Electronic money payment means for forming a communication channel with an external electronic money terminal to perform payment processing with electronic money, and controls the overall operation of the mobile phone, and if the amount of electronic money charged in the mobile phone is less than the set limit balance, the wireless communication. A mobile phone 100 including a control unit for sending a charging request to an electronic money management server through a module;

A wireless mobile communication network (400) for relaying charge request data for an amount requested by the user from the mobile phone to an electronic money management server;

Receiving an automatic charge request for the automatic charge amount from the mobile phone through a wireless mobile communication network, and after querying the preset user's account, attempts to transfer the account for the requested charge amount, if the account transfer fails, the signal not charging The electronic money management server 300 transmits a charging signal for the requested charging amount to the mobile phone through the wireless mobile communication network when the bank transfer is successful.

The present invention relates to a prepaid electronic money stored in a mobile phone, where the electronic money can be implemented both network type electronic money and smart card type electronic money in the form of data stored in a simple program, but is widely used for security purposes and offline. Card type electronic money is preferable because of compatibility with the smart card type electronic money.

(Example 1)

In the case of a card-type electronic money, the value of electronic money is stored in the smart chip installed in the mobile phone. The authentication, payment and charging processing of electronic money data is performed by the controller in the smart chip, and the mobile phone serves as a data transmission path. Only carry. The smart chip is implemented as a SIM type chip which is required to be equipped as a standard in the IMT2000, and an RF loop antenna is connected to the SIM type chip for RF transactions such as traffic cards, and installed in a mobile phone. .

In order to implement the RF type transportation card collection system in the entire electronic money system of the present invention, the electronic money value storage unit is a combination smart chip having an RF output terminal, and the electronic money payment means is mounted in a mobile phone and the combination It consists of RF antenna and related RF module connected to the chip,

In order to perform payment processing such as traffic charges to the entire electronic money system, an RF terminal 200 which performs data communication with the smart chip in an RF method should be further included.

The electronic money management server 300 is a transaction history processing unit for receiving the transaction history from the electronic money terminal and performs settlement, and transmits the electronic money charging data to the smart chip in response to the charging request received from the smart chip as described above. It should include a filling section.

In order to use the present embodiment, the user must set a limit balance, which is a reference value in which automatic charging is performed in advance, and a request charging amount when the automatic charging request is made. The limit balance and the requested charge amount are preferably recorded in an internal memory as an electronic money control program module in a mobile phone for the convenience of changing the setting. However, depending on the implementation, the limit balance and the requested charge amount may be recorded in the smart chip. It can also be recorded on the electronic money management server.

When the user of the mobile phone of the present embodiment approaches the mobile phone to the electronic money terminal installed on the bus, for example, to ride a bus, a data transmission channel is formed between the terminal and the smart chip by an RF antenna, and thereby the electronic money data stored in the smart chip is formed. A subtraction payment processing operation is performed (S102). When the payment processing is performed by the smart chip, the final balance value is transmitted to the mobile phone controller as a result (S104), and the operation of the following mobile phone controller is performed.

The mobile phone control unit notifies the user by displaying the final balance value on the display of the mobile phone and checks whether the final balance value is smaller than the limit balance (S106). If it is above the limit balance, the procedure is terminated as it is (depending on the implementation of the service, the final balance is displayed on the mobile phone).

In the automatic charging, the communication procedure between the smart chip and the electronic money management server is preferably implemented similarly to a charging protocol in a charging terminal of a general smart card electronic money. do). The security key for charging is held by the smart chip and the electronic money management server, and the communication procedure is as follows. The mobile phone controller requests the smart chip to create charging request data in the request charge liquid (S112). The smart chip creates charging request data including the request charge amount and the electronic money (and / or user) identification number (S114) and digitally signs it with its own security key (S116) and transmits it to the mobile phone controller. Some implementations may encrypt the entire data so that it is not visible to the outside world. The mobile phone control unit transmits the signed charge request data to the electronic money management server through a mobile communication network (S118), and it is preferable to use short-term data transmission with low cost. The electronic money management server verifies the authenticity of the charging request data by decrypting the electronic signature attached to the charging request data received through the mobile communication network with its own charging security key (S122). When the authenticity is confirmed, the electronic money (or user) identification number of the received information is searched in the user information DB to search the user's account number, and attempts to transfer as much charge as requested from the account (S124). If the account transfer is successful, the charge instruction data is created (S126) and the electronic signature is attached thereto (S128), and the automatic charge request is transmitted through the wireless communication network (S132). The mobile phone which has received the electronic signature charge instruction data transmits it to the smart chip (S132). The smart chip decrypts the attached electronic signature to check its authenticity (S134), and performs charging according to the instructions (S136).

When the bank transfer fails due to insufficient balance, the electronic money management server transmits a message explaining the reason for the lack of balance to a mobile phone that has received an automatic charging request (S142), and the mobile phone displays a message such as insufficient balance on the display. (S144), the procedure ends.

In the above process, the mobile phone controller stores the electronic money value data received from the electronic money management server through the wireless mobile communication network in the mobile phone, and when the automatic charging is completed, it is preferable to display the completion of the automatic charging through the mobile phone display. .

If the balance is insufficient as a result of using the electronic money as described above, automatic charging is attempted immediately. However, if automatic charging fails due to the departure of the call right, the controller of the mobile phone stores the automatic charging request data and implements it again when entering the call right. Should be.

The mobile phone used in the automatic charging method of the present embodiment includes a control unit for controlling the overall operation of the mobile phone, a wireless communication module for performing voice communication and data communication, and an electronic money value for storing value information of a charged prepaid electronic money. A mobile phone including a storage unit and an electronic money payment means for forming a communication channel with an external electronic money terminal so that payment processing can be performed with the charged electronic money. If less than the set limit balance, characterized in that the charging request to the electronic money management server through the wireless communication module.

(Example 2)

The whole system in which the present embodiment is implemented includes: a mobile phone having a smart chip storing electronic money data therein and having an infrared communication unit for using the electronic money;

An electronic money terminal of an infrared communication method for performing payment processing with electronic money stored in the smart chip;

It consists of a transaction history processing unit for receiving the transaction history from the electronic money terminal to perform the settlement, and a charging processing unit for transmitting the electronic money charging data to the smart chip in response to the charging request received from the smart chip. .

In the present embodiment, only the method of using the electronic money charged in the mobile phone is specified as an infrared communication method, and thus the automatic charging method and procedure, which is a feature of the present invention, are the same and detailed description thereof will be omitted.

(Example 3)

The system configuration of the present embodiment is the same as the first embodiment or the second embodiment, and in the method procedure for performing automatic charging, if the balance is less than the limit balance as described above, the user does not immediately perform automatic charging. We have added a procedure implementation to verify. In this implementation, when the mobile phone controller determines that the balance is insufficient as a result of using the electronic money, first, the user indicates that the balance is low by a ring tone and a mobile phone display, and waits for a charging instruction from the user. The charging instruction (and charge holding instruction) is preferably made of one key input for the user's convenience.

Therefore, the mobile phone control unit of the present embodiment outputs a charge shortage message through an audiovisual output unit (display and a ringtone speaker) of the mobile phone when the amount of electronic money charged in the mobile phone is less than the set limit balance, and waits for a response from the user. When the charge hold instruction is input from the user, the mobile phone controller terminates the procedure, and when the charge instruction is input, the mobile phone controller performs the same charging method procedure as the first embodiment by performing step S112.

In the above description, if the electronic money management server transfers the recharge amount from the user's account, depending on the implementation, it may be implemented to convert the amount of the virtual account into electronic money or recharge it, or to transfer it from the credit account. And it is obvious that belongs to the scope of the present invention because the technical configuration is not different from the present invention despite the policy difference.

Electronic money system in which the present invention is used,

A control unit for controlling the overall operation of the mobile phone, a wireless communication module for performing voice calls and data communication, an electronic money value storage unit for storing value information of a prepaid electronic money, and a payment processing with the charged electronic money Electronic money payment means for forming a communication channel with an external electronic money terminal to perform the operation, and controls the overall operation of the mobile phone, the charge request through the wireless communication module if the amount of electronic money charged in the mobile phone is less than the set limit balance A mobile phone including a control unit for transmitting the electronic money management server;

A wireless mobile communication network for relaying charge request data for an amount requested by the user from the mobile phone to an electronic money management server;

Receiving an automatic charge request for the automatic charge amount from the mobile phone through a wireless mobile communication network, inquires the user's account set in advance, and attempts to transfer the account for the charge amount, if the account transfer fails, the charge impossible signal, If the bank transfer is successful, the electronic money management server for transmitting a charge signal for the automatic charge amount to the mobile phone through the wireless mobile communication network.

The above-mentioned technical part of the entire electronic money system is a part for performing the characteristic operation of the present invention, and in order to be used as an RF traffic card widely used in recent years, the smart chip is a combination chip having an RF output terminal. The electronic money payment means is an RF antenna mounted in a mobile phone and connected to the combi chip, and performs data communication with the smart chip in an RF manner to perform payment processing such as traffic charges for the entire electronic money system. It should further include a terminal.

As described above, if the mobile phone using the automatic charging method of the prepaid electronic money of the present invention is used, even if a person cannot use a postpaid transportation card because the credit card is not issued due to age or poor credit, the mobile phone is prepaid. Issuing and using the electronic money for the transportation card is stored, there is an effect that eliminates the hassle to recharge each time.

Users of mobile phones can feel the convenience of using a prepaid electronic money that performs transportation card functions and distribution transactions with a single mobile phone, and the related business operators can use a prepaid electronic money that is not clear for payment. In addition, there is an effect that can provide a convenient service that does not require charging.

1 is a flowchart illustrating a process of performing an electronic money automatic charging method of the present invention.

2 illustrates an electronic money system in which the electronic money automatic charging method of the present invention is performed.

Claims (2)

Receiving a final balance updated as a result of using the electronic money; Checking whether the balance value is less than or equal to a set limit balance; If it is determined that the limit is less than the balance, generating a charging request data and transmitting the electronic money management server through a wireless mobile communication network; A method for automatically charging electronic money to a mobile phone, comprising the steps of storing the electronic money value data received from the electronic money management server through a wireless mobile communication network in a mobile phone. A controller for controlling the overall operation of the mobile phone, a wireless communication module for performing data communication for voice call and electronic money charging, an electronic money value storage for storing value information of the charged electronic money, and the charged electronic money A mobile phone including an electronic money payment means for forming a communication channel with an external electronic money terminal so that payment processing can be performed by The control unit is characterized in that the mobile phone, characterized in that the charge request sent to the electronic money management server through the wireless communication module if the amount of electronic money charged in the mobile phone is less than the set limit.