KR20060042826A - System and method for accumulating mobile royalty, recording medium - Google Patents

Abstract

The present invention provides a wireless terminal having an IC chip having at least one payment means mounted or detached thereon, and a predetermined short distance wireless communication means for payment processing using a payment means provided in the IC chip, and the short range wireless communication. In the wireless loyalty earning method comprising a payment terminal connected to the wireless terminal through the communication, and a server connected to the payment terminal through a predetermined payment network, when the payment processing using the wireless terminal, Receiving predetermined payment means information from the wireless terminal through the short range wireless communication means at the payment terminal; Generating, by the payment terminal, a payment request message including the received payment means information and a predetermined payment amount, and transmitting the generated payment request message to the server through the payment network; Reading the full text of the payment request from the server to determine whether the payment is approved, and when the payment is approved, extracting or generating predetermined royalty information corresponding to the payment amount; Generating, by the server, the royalty information into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal; Transmitting the generated royalty applet to the wireless terminal at the server; And mounting and / or storing and / or updating the royalty applet on the IC chip provided in the wireless terminal in the wireless terminal. It is about. Accordingly, the advantage of storing and managing a predetermined loyalty point generated in a predetermined payment process using an IC chip mounted or detached from a wireless terminal in the IC chip having excellent security and minimizing the risk of theft or theft. There is an advantage in that the loyalty point can be used both online and / or offline through the shadow account function of the IC chip.

Payment method, wireless terminal, royalty

Description

 Wireless loyalty accrual method and system and recording medium therefor {System and Method for Accumulating Mobile Royalty, Recording Medium}             

1 is a view showing a wireless loyalty earning system according to a preferred embodiment of the present invention.

2 is a diagram showing the configuration of a wireless terminal for wireless loyalty accumulation according to a preferred embodiment of the present invention.

Figure 3 is a view showing the functional configuration of the payment terminal for wireless loyalty credit in accordance with a preferred embodiment of the present invention.

4 is a diagram illustrating a preferred embodiment of transmitting payment means information from a wireless terminal to a payment terminal according to a preferred embodiment of the present invention.

FIG. 5 is a diagram illustrating another process of transmitting payment means information to a payment terminal in a wireless terminal according to a preferred embodiment of the present invention.

6 is a diagram illustrating a payment processing process using payment means information received from a wireless terminal in a payment terminal according to a preferred embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of generating payment processing and wireless royalty using a payment request message received from a payment terminal in a server according to a preferred embodiment of the present invention.

8 is a diagram illustrating a process of transferring a royalty applet from a server to a wireless terminal according to a preferred embodiment of the present invention and accumulating it on an IC chip.

<Description of main parts of drawing>

100: server 105: storage medium

110: receiving unit 115: payment processing unit

120: confirmation unit 125: loyalty generation unit

130: extraction unit 135: applet generation unit

140: applet transmission unit 145: IWF

150: exchange office 155: HLR / VLR

160: control station 165: base station

200: wireless terminal 300: payment terminal

The present invention provides a wireless terminal having an integrated circuit (IC) chip having at least one payment means mounted thereon or detached thereon, and having a predetermined short range wireless communication means for payment processing using the payment means provided in the IC chip. And a payment terminal connected to the wireless terminal through the short range wireless communication, and a server connected to the payment terminal through a predetermined payment network for a payment transaction. Generating royalty-free information, generating a royalty-free applet containing the royalty-free information from the server, and transmitting the wireless terminal over a modified wireless network, and the wireless terminal mounts the royalty-applet to the IC chip. Wireless royale, characterized in that earned by saving and / or renewal To provide a method and system earn and recording medium therefor.

Loyalty service is a sales promotion means for securing loyal customers, and earns loyalty points corresponding to a predetermined financial transaction amount and / or payment amount during a financial transaction and / or settlement process, and the accumulated loyalty points are predetermined If the standard is exceeded, the corresponding service is granted to the customer.

Recently, the electronic financial transaction and / or electronic payment using the IC (Magnetic Stripe) card and / or IC card and / or the IC chip that is mounted on or detached from the wireless terminal has become popular, in the electronic financial transaction and / or electronic payment process The electronic device has been developed in such a way that the predetermined loyalty point corresponding to the predetermined financial transaction amount and / or payment amount is electronically accumulated in a storage medium on the network.

However, in the conventional loyalty service such as the electronic financial transaction and / or electronic payment, the loyalty points are accumulated in the storage medium on the network, whereby the range of utilization of the loyalty points can access the storage medium. There are problems that are limited to financial transactions and / or electronic payments.

Loyalty points generated by a payment terminal and / or a server on a network in a wireless payment process using a wireless terminal in which an IC chip having at least one or more payment means is mounted or detached, is derived to solve the above problems. Wireless loyalty earning method, characterized in that for transmitting from the server to the wireless terminal via a predetermined wireless network, and the loyalty point is mounted and / or stored and / or updated in the IC chip in the wireless terminal and earned; It aims at the system and the recording medium therefor.

The present invention for achieving the above object is a wireless terminal equipped with a predetermined short-range wireless communication means for payment processing using the payment means provided on the IC chip is mounted or detached with at least one payment means And a payment terminal connected to the wireless terminal through the short range wireless communication, and a server connected to the payment terminal through a predetermined payment network. Receiving, by the payment terminal, predetermined payment means information from the wireless terminal through the short range wireless communication means in the payment processing; Generating, by the payment terminal, a payment request message including the received payment means information and a predetermined payment amount, and transmitting the generated payment request message to the server through the payment network; Reading the full text of the payment request from the server to determine whether the payment is approved, and when the payment is approved, extracting or generating predetermined royalty information corresponding to the payment amount; Generating, by the server, the royalty information into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal; Transmitting the generated royalty applet to the wireless terminal at the server; And mounting and / or storing and / or updating the loyalty applet on the IC chip provided in the wireless terminal in the wireless terminal.

According to a preferred embodiment of the present invention, the step of receiving the predetermined payment means information from the wireless terminal through the short-range wireless communication means in the payment terminal, from the wireless terminal through the short-range wireless communication means at the payment terminal; Preferably, the method further includes receiving predetermined wireless terminal information.

According to a preferred embodiment of the present invention, after generating a payment request message including the received payment means information and a predetermined payment amount in the payment terminal, the generated payment request message to the server through the payment network; The transmitting may include transmitting, when the payment terminal receives predetermined wireless terminal information from the wireless terminal through the short range wireless communication unit, the wireless terminal information received by the payment terminal to the server through the payment network. It is preferable that the step further comprises a step.

According to a preferred embodiment of the present invention, the wireless royalty earning method comprises the steps of reading the predetermined billing customer information and / or payment means information by reading the full payment request in the server; And

And reading wireless terminal information linked to the read customer information and / or payment means information from a predetermined storage medium storing customer information in the server. Reading predetermined payment information and / or payment means information by reading the full payment request message from a server; And confirming wireless terminal information corresponding to the read customer information and / or payment means information in cooperation with the mobile communication company server in the server.

According to a preferred embodiment of the present invention, the step of transmitting the generated royalty applet from the server to the wireless terminal, the predetermined information of the wireless terminal corresponding to the wireless terminal in the payment terminal, the server in the And transmitting the generated royalty applet to the wireless terminal based on the wireless terminal information, and / or read the full text of the payment request from the server to obtain predetermined customer information and / or payment means information. Reading; Reading wireless terminal information processed in association with the read customer information and / or payment means information from a predetermined storage medium storing customer information in the server; And transmitting the generated royalty applet to the wireless terminal based on the read wireless terminal information in the server, and / or reading the full text of the payment request from the server. Reading customer information and / or payment means information; Confirming wireless terminal information corresponding to the read customer information and / or payment means information by interworking with a mobile communication company server in the server; And transmitting, by the server, the generated royalty applet to the wireless terminal based on the confirmed wireless terminal information.

According to a preferred embodiment of the present invention, the wireless terminal information preferably includes at least one of telephone number information, ENUM (tElephone NUmber Mapping) information, and network address information of the wireless terminal.

According to a preferred embodiment of the present invention, the wireless royalty earning method comprises the steps of: generating a predetermined payment request message by a payment request command including a payment amount in the payment terminal; Searching whether there is a wireless terminal that can communicate through the short range wireless communication means in the payment terminal; And transmitting the payment request message to the wireless terminal through the short range wireless communication means in the payment terminal if the wireless terminal exists as a result of the search.

According to a preferred embodiment of the present invention, the wireless loyalty accumulating method, if the personal identification number (PIN) input when the payment mode is selected in the wireless terminal matches the number previously stored in the IC chip, the short-range wireless Transitioning to a message reception waiting state through a communication means; Determining, at the wireless terminal, whether a payment request message is received through the short range wireless communication means; And when the payment request message is received as a result of the determination, reading the payment means information from the IC chip in the wireless terminal and transmitting the payment means information in response to the payment request message. When the message is received, the step of reading the payment means information from the IC chip in the wireless terminal and transmitting in response to the payment request message, the wireless terminal includes a predetermined phone number and / or network address of the wireless terminal; Preferably it further comprises the step of transmitting the wireless terminal information in response to the payment request message.

According to a preferred embodiment of the present invention, the wireless loyalty earning method is a payment that can be communicated through the short-range wireless communication means, if the personal identification number input when the payment mode selected in the wireless terminal and the number previously stored in the IC chip Searching whether the terminal exists; And if the search result payment terminal exists, reading the predetermined payment means information from the IC chip by the wireless terminal and transmitting the predetermined payment means information to the payment terminal through the short range wireless communication means. If there is a payment terminal as a result of the search, the wireless terminal reads predetermined payment means information from the IC chip and transmits the predetermined payment means information to the payment terminal through the short range wireless communication means. Preferably, the method further includes transmitting predetermined wireless terminal information including a number and / or a network address to the payment terminal.

According to a preferred embodiment of the present invention, the short-range wireless communication means, infrared communication means, UWB (Ultra Wide Band) communication means, RF (Radio Frequency) communication means, Bluetooth (BlueTooth) communication means, wireless LAN communication At least one means, Wi-Fi communication means, Wi-bro communication means, Wi-Max communication means is preferably included.

According to a preferred embodiment of the present invention, the payment network is a value added network connecting the payment terminal and the server for a payment transaction corresponding to a predetermined payment means included in the IC chip mounted in the wireless terminal. And VAN), and / or ADSL and / or VDSL and / or to which the payment terminal connects for a payment transaction corresponding to a predetermined payment means included in the IC chip mounted on the wireless terminal. It is preferable to include a high speed Internet network including at least one cable communication, and / or at least one of a mobile communication network and / or a wireless data communication network and / or a wireless LAN and / or a portable Internet network to which the wireless terminal is connected. It is preferable to comprise as mentioned above.

According to a preferred embodiment of the present invention, the loyalty information includes at least points and / or mileages and / or reserves and / or coupons that the server gives to the wireless terminal user in response to the payment amount. It is preferable to include one or more.

According to a preferred embodiment of the present invention, the wireless terminal comprises a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal and / or a Personal Digital Cellular (PDC) and And / or a portable mobile communication terminal including at least one or more of a personal handyphone system (PHS) terminal and / or a personal digital assistant (PDA) and / or a smart phone. And / or at least one wireless data communication terminal and / or a portable internet terminal.

According to a preferred embodiment of the present invention, the server comprises at least one of a mobile telecommunication company server and / or IC chip issuing agency server and / or card company server and / or financial company server mounted on or detached from the wireless terminal. desirable.

According to the present invention, a system for achieving the wireless loyalty earning method includes a wireless terminal for providing the payment means information provided in the IC chip to the payment terminal using a predetermined short-range wireless communication during the payment processing; A payment terminal for generating a payment request message including payment means information provided by the wireless terminal and a predetermined payment amount, and transmitting the generated payment request message to a server through a predetermined payment network; And a server processing the payment approval after reading the payment request text and determining whether the payment is approved. The payment processing system comprising: the predetermined royalty information corresponding to the payment amount; Extract or generate a royalty, the royalty information into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal, and then transmit the generated royalty applet to the wireless terminal. Is mounted and / or stored and / or updated in the IC chip provided in the wireless terminal.

According to a preferred embodiment of the present invention, the payment terminal receives predetermined wireless terminal information from the wireless terminal through the short range wireless communication means, and then transmits the received wireless terminal information to the server through the payment network. It is desirable to.

According to a preferred embodiment of the present invention, the wireless terminal comprises: an applet receiving unit for receiving a royalty applet including predetermined royalty information from the server; And a loyalty earning unit configured to store and / or store and / or update the received loyalty applet on the IC chip.

According to a preferred embodiment of the present invention, if the short range wireless communication means corresponds to an infrared communication means based on Infrared Financial Messaging (IrFM) of Infrared Data Association (IrDA), the wireless terminal may be configured according to the IrFM payment protocol. Preferably, the payment terminal further comprises an IrFM processing unit for transmitting predetermined payment means information and / or telephone number and / or network address of the wireless terminal, and / or the short range wireless communication means corresponds to the UWB communication means. In this case, it is preferable that the UWB processing unit further comprises a UWB processing unit for transmitting predetermined payment means information and / or telephone number and / or network address of the wireless terminal to the payment terminal according to the UWB payment protocol. If the communication means corresponds to the RF communication means, the communication means according to the RF payment protocol Preferably, the payment terminal further comprises an RF processor for transmitting predetermined payment means information and / or telephone number and / or network address of the wireless terminal, and / or the short range wireless communication means corresponds to the Bluetooth communication means. In the case, the Bluetooth payment protocol further comprises a Bluetooth processing unit for transmitting predetermined payment means information and / or telephone number and / or network address of the wireless terminal to the payment terminal according to the Bluetooth payment protocol, and / or the short range wireless communication. If the communication means corresponds to a wireless LAN communication means, Wi-Fi communication means, or Wi-bro communication means, or Wi-Max communication means, the wireless LAN or Wi-Fi or Wi-bro or Wi-Max payment protocol To transmit predetermined payment method information and / or telephone number and / or network address of the wireless terminal to the payment terminal according to It is preferable that the wireless LAN processing unit further comprises.

According to a preferred embodiment of the present invention, the wireless terminal has a function of receiving a royalty applet containing predetermined royalty information from the server; And recording a predetermined program for realizing a function of mounting and / or storing and / or updating and storing the received loyalty applet on the IC chip.

According to a preferred embodiment of the present invention, the server comprises: a receiving unit for receiving a payment request message transmitted from the payment terminal; A royalty generation unit generating predetermined royalty information corresponding to the payment amount upon approval of a read result of the payment request specialist; An applet generation unit including the royalty information and generating a predetermined royalty applet mounted and / or stored and / or updated in an IC chip provided in the wireless terminal; And a applet transmitter for transmitting the generated royalty applet to the wireless terminal, wherein the receiver further comprises receiving a telephone number and / or a network address of the wireless terminal from the payment terminal. It is preferable.

According to a preferred embodiment of the present invention, the server reads the payment request text and reads predetermined customer information and / or payment means information, and then the customer information and / or payment means information and the payment information of the customer owning the wireless terminal. Extracting the telephone number and / or network address of the wireless terminal matching the read customer information and / or payment means information in association with a predetermined storage medium that matches and stores the telephone number and / or network address of the wireless terminal. It is preferable that the extraction section.

According to a preferred embodiment of the present invention, the server reads the payment request message transmitted from the payment terminal, reads predetermined customer information and / or payment means information, and then links the read customer with a mobile communication company server. It is preferable to further comprise a confirmation unit for confirming the telephone number and / or network address of the wireless terminal matching the information and / or payment means information.

According to the present invention, a predetermined recording medium provided in the wireless loyalty earning system has a function of receiving a payment request message transmitted from a predetermined payment terminal; A function of generating predetermined royalty information corresponding to the payment amount upon approval of a read result of the payment request specialist; A function of generating a predetermined royalty applet including the royalty information and mounted and / or stored and / or updated in an IC chip provided in the wireless terminal; And a predetermined program for realizing the function of transmitting the generated royalty applet to the wireless terminal.

According to a preferred embodiment of the present invention, it is preferable that the program further realize a function of receiving a telephone number and / or a network address of the wireless terminal from the payment terminal, and / or read the full text of the payment request. A predetermined storage medium for reading customer information and / or payment means information of the wireless terminal, and matching and storing customer information and / or payment means information of the customer owning the wireless terminal with the telephone number and / or network address of the wireless terminal; It is preferable to further realize a function of extracting a telephone number and / or a network address of the wireless terminal that matches the read customer information and / or payment means information by interworking, and / or the payment transmitted from the payment terminal. After reading the entire request, reading predetermined customer information and / or payment method information, That member and cooperating with the read realizing more functions to get the phone number and / or network address of the customer information and / or payment means information and matching the radio terminal to be preferred.

According to a preferred embodiment of the present invention, the recording medium is preferably located in a mobile communication company server and / or IC chip issuing agency server and / or card company server and / or financial company server mounted or detached to the wireless terminal.

According to another exemplary embodiment of the wireless loyalty earning method according to the present invention, an IC chip including at least one payment means is mounted or demounted, and predetermined short distance wireless communication for payment processing using the payment means provided in the IC chip is performed. And a wireless terminal equipped with a means, a payment terminal connected with the wireless terminal through the short range wireless communication, and a server connected with the payment terminal through a predetermined payment network. In the payment processing using the wireless terminal, the payment terminal receiving the predetermined payment means information from the wireless terminal through the short-range wireless communication means; Generating predetermined royalty information based on the payment means information and a predetermined payment amount received by the payment terminal; Generating, by the payment terminal, a payment request message including the received payment means information and a predetermined payment amount, and transmitting the generated payment request message and the generated royalty information to the server through the payment network; ; Reading the payment request message from the server to determine whether the payment is approved, and when the payment is approved, generating royalty information transmitted by the payment terminal into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal; Transmitting the generated royalty applet to the wireless terminal at the server; And mounting and / or storing and / or updating the loyalty applet on the IC chip provided in the wireless terminal in the wireless terminal.

In addition, another wireless loyalty earning system of the present invention according to the wireless loyalty earning method, a wireless terminal for providing the payment means information provided in the IC chip to the payment terminal using a predetermined short-range wireless communication at the time of payment processing; A payment terminal for generating a payment request message including payment means information provided by the wireless terminal and a predetermined payment amount, and transmitting the generated payment request message to a server through a predetermined payment network; And a server processing the payment approval after determining the payment approval by reading the full text of the payment request, wherein the payment terminal comprises a predetermined royalty corresponding to the payment amount. And extracting or generating information, and transmitting the royalty information to the server, wherein the server is a predetermined royalty applet that can be loaded on the IC chip provided in the wireless terminal. And generating and transmitting the generated royalty applet to the wireless terminal, wherein the wireless terminal mounts and / or stores the royalty applet transmitted from the server to an IC chip provided in the wireless terminal. And / or update.

In addition, a predetermined recording medium provided in another wireless loyalty earning system of the present invention according to the wireless loyalty earning method has a function of receiving a payment request full text and royalty information transmitted from a predetermined payment terminal during a payment processing using a wireless terminal. ; A function of generating a predetermined royalty applet that includes the received royalty information and is mounted on and / or stored and / or updated on an IC chip provided in the wireless terminal upon approval of a payment result of the payment request specialist; And a predetermined program for realizing the function of transmitting the generated royalty applet to the wireless terminal.

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.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention to be carried out in the near-field wireless communication using the infrared communication means based on IrFM IrDA of the wireless terminal and the payment terminal in order to efficiently describe the technical components constituting the present invention Although a communication means is provided and the technical configuration of the present invention is described by calculating a preferred case in which the wireless terminal is connected to a mobile communication network, a person having ordinary skill in the art to which the present invention pertains will be given the following drawings and description. Short-range wireless communication means provided between the wireless terminal and the payment terminal based on UWB communication means, RF communication means, Bluetooth communication means, wireless LAN communication means and Wi-Fi communication means, Wi-bro communication means, It may be replaced by a Wi-Max communication means, and the wireless network to which the wireless terminal and the wireless terminal is connected It will be clearly understood that it may be replaced with a wireless data communication network and / or a wireless LAN and / or a portable Internet network.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a wireless loyalty earning system according to a preferred embodiment of the present invention.

In more detail, in FIG. 1, a wireless payment session based on IrFM IrFM is connected between a wireless terminal 200 and a payment terminal 300, and a mobile communication network is established between the wireless terminal 200 and the server 100. The present invention relates to a preferred wireless loyalty earning system characterized in that the transmission and reception of predetermined information or data.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the wireless terminal 200 basically provides a voice call function and a data communication function, is connected to or subscribed to a predetermined mobile communication network, and is connected to a mobile communication network from a user side. It comprises a function of the interface device for wireless communication for terminating the wireless line of.

The mobile communication network to which the wireless terminal 200 connects includes at least one base transceiver station (BTS) connected to a wireless path by connecting through a wireless section based on a code division multiple access (CDMA) stack; A predetermined control station 160 that connects the base station 165 and the switching center 150 through a wired section and manages a network control process such as polling, selection, and recovery. An exchange station 150 that configures an access point for user traffic between a BTS System Controller (BSC) and another mobile switching center (MSC) in a mobile communication network and a general telephone network, the same or another mobile communication network, Home Location Register (HLR) 155 / Visitor Location Register (VLR) 155 for registering subscriber location and / or visitor location subscribing to the mobile communication network, and wireless data communication in network infrastructure for voice call And an Interworking Function (IWF) 145 for providing circuit data services and / or packet data services for connection to other networks.

Referring to FIG. 1, the wireless terminal 200 may include a credit card and / or a debit card and / or a check card and / or a prepaid card and / or an electronic wallet. (IC Wallet) and / or Electronic Bankbook and / or Financial IC chip 245 equipped with a payment means including at least one or more financial common network is characterized in that the mounting or detachment, ISO / IEC A function of determining the validity (eg, confidentiality, authentication, integrity, and nonrepudiation) of the IC chip 245 is provided according to the 7816 standard. In addition, according to a preferred embodiment of the present invention, the wireless terminal 200 is characterized in that a wireless payment session is connected to a predetermined payment terminal 300 provided in a store or a merchant through an infrared communication function according to IrFM standard of IrDA. It is done.

The payment terminal 300 is basically characterized in that it comprises at least one or more Credit Authorization Terminal (CAT) and / or Point of Sales Terminal (POS) terminal provided in the store or affiliated shop, According to a preferred embodiment, the wireless terminal 200 and the infrared communication function according to the IrFM standard of IrDA is provided.

The payment terminal 300 may include a high speed internet network including at least one ADSL and / or VDSL and / or cable communication to which a predetermined payment network (eg, a Value Added Communication Network (VAN) and / or the payment terminal 300 is connected); And / or the wireless terminal including at least one mobile communication network and / or wireless data communication network and / or wireless LAN and / or portable internet network when the payment terminal 300 is provided with a wireless communication function). It is characterized in that connected with.

Server 100 is a mobile communication company server 100 and / or the IC chip 245 issuing agency server 100 and / or card company server 100 and / or financial company server mounted on or detached from the wireless terminal 200 (100) and / or at least one server 100 provided separately on the network, characterized in that the predetermined payment request received from the payment terminal 300 in the electronic payment and / or wireless payment process In response to the full text, a royalty applet including predetermined royalty information and / or the royalty information may be generated and transmitted to the wireless terminal 200. In the case of Figure 1 according to a preferred embodiment of the present invention, the server 100 is a mobile carrier server 100 (e.g., the billing server 100 of the mobile carrier) equipped with a predetermined payment processing function and / or the wireless Corresponds to the IC chip 245 issuer server 100 (eg, the payment server 100 of a card company and / or a financial company) mounted on or detached from the terminal 200.

Referring to FIG. 1, the server 100 includes a receiver 110 for receiving a full payment request message transmitted from the payment terminal 300; A payment processor 115 for reading the full text of the payment request and performing a predetermined payment procedure corresponding to the payment means included in the full text of the payment request when the reading result is approved; A royalty generation unit 125 generating predetermined royalty information corresponding to the payment amount upon approval of payment; An applet generating unit 135 including the royalty information and generating a predetermined royalty applet mounted and / or stored and / or updated in the IC chip 245 included in the wireless terminal 200; And the applet transmitter 140 for transmitting the generated royalty applet to the wireless terminal 200.

According to a preferred embodiment of the present invention, when the receiving unit 110 receives the payment request message from the payment terminal 300, the royalty-free applet generated in the payment request message is transmitted to the wireless terminal 200. It is preferable to include the predetermined radio terminal information for reception.

According to another exemplary embodiment of the present invention, in the case where the wireless terminal information is not included in the payment request message received by the receiving unit 110, customer information basically included in the payment request message on the network and And / or match and store payment method information and wireless terminal information (for example, telephone number information, wireless telephone NUmber mapping (ENUM) information, and IP-based network address information) of the wireless terminal 200. It is preferable to have a storage medium 105, in this case, the server 100 from the storage medium 105 provided on the network and the customer information contained in the payment request text contained in the payment request text and / / Or it is preferable that the extraction unit 130 for extracting the wireless terminal information matched with the payment means information.

According to another exemplary embodiment of the present invention, when the wireless terminal information is not included in the payment request message received by the receiving unit 110, the server 100 includes the customer information and / or included in the payment request message. Or by querying the mobile communication company server 100 (not shown) based on payment means information (for example, when the issuer of the IC chip 245 mounted or detached from the wireless terminal 200 is a mobile communication company). It is preferable that a confirmation unit 120 for confirming wireless terminal information corresponding to the customer information and / or payment means information is provided from the HLR / VLR 155 provided in the mobile communication network.

The receiving unit 110 is connected to the payment terminal 300 through a predetermined payment network, and when a predetermined payment processing is requested in the payment terminal 300, the payment terminal 300 to the wireless terminal. Payment means information read from the IC chip 245 mounted or detached and / or wireless terminal information and / or the payment terminal (required to transmit a predetermined royalty applet from the server 100 to the wireless terminal 200). Characterized in that the 300 (received from the POS terminal), the payment request made by including the payment amount, characterized in that for receiving.

When the payment processing unit 115 receives a predetermined payment request message from the payment terminal 300 through the receiving unit 110, the payment processing unit 115 reads the payment request message and processes the approval of the payment, and at least related thereto. A predetermined payment procedure including one or more additional functions is performed. For example, if the payment means included in the full payment request correspond to a credit card, and the server 100 is a payment server 100 provided in a card company, the payment processing unit 115 is the credit card and / or Determining whether the payment is approved by checking the limit amount, etc., and when the payment is approved, generate a payment approval message including a predetermined payment approval result and transmit it to the payment terminal 300, and settle and / or settle the payment amount. A series of procedures for transmitting to the billing server 100 (for example, the server 100 that calculates the settlement sum amount and bills the customer) is performed. Alternatively, if the payment means included in the payment request message corresponds to the electronic bank account, and the financial server 100 provided in the server 100 bank, the payment processing unit 115 withdraws the amount deposited in the electronic bank account. Then, the payment terminal 300 is transferred to the account of the store or affiliated store, and generates a payment approval message including the account transfer result and performs a series of procedures for transmitting to the payment terminal 300. Of course, if the server 100 is a server 100 provided separately on the network to achieve the present invention, the payment processing unit 115 may be omitted.

When the payment requested by the payment processing unit 115 through the payment request message is approved (or normally processed), the royalty generating unit 125 may provide predetermined royalty information (eg, loyalty points) corresponding to the payment amount. ), And the policy for generating the royalty information is an institution (eg, a mobile communication company and / or an IC chip 245 issuer and / or a card company and / or a financial company) that operates the server 100. It is desirable to be subject to the policy of the

According to another exemplary embodiment of the present invention, the loyalty information is generated in the payment terminal 300 (for example, when the loyalty point corresponding to the payment amount is independently accumulated in a store or an affiliated store provided with the payment terminal 300). In this case, the royalty generation unit 125 may be omitted in the server 100, in which case the payment terminal 300 generated in the payment request message received by the receiving unit 110 is generated. It is desirable to include royalty information.

When the predetermined royalty information corresponding to the payment amount is generated by the royalty generating unit 125, the applet generating unit 135 is mounted or detached from the wireless terminal 200 including the royalty information. A predetermined royalty applet is mounted and / or stored and / or updated on the IC chip 245.

According to a preferred embodiment of the present invention, the wireless terminal information, the IC chip 245 that is mounted on or detached from the wireless terminal 200, the predetermined loyalty information generated by the royalty generation unit 125 is accumulated. It is preferable to include predetermined IC chip 245 information for determining whether a card applet is preloaded, and the applet generating unit 135 is based on the IC chip 245 information. When the card applet in which the loyalty information is accumulated is mounted in 245), it is preferable to generate a loyalty applet that accumulates loyalty points of the card applet, and the card applet in which the loyalty information is accumulated in the IC chip 245 is stored. If it is not mounted, it is preferable to generate a royalty applet for post-issuing a card application that earns a predetermined loyalty point with the IC chip 245.

According to another exemplary embodiment of the present invention, a predetermined card applet in which royalty information generated by the royalty generating unit 125 is accumulated is mounted to the IC chip 245 mounted or detached from the wireless terminal 200. If it is not possible to determine whether or not, the applet generating unit 135 is a loyalty applet for accumulating the loyalty information with a card applet preloaded in the IC chip 245 and a predetermined loyalty point with the IC chip 245. It is preferable to generate all of the loyalty applets for post-issuing a card application for earning credits, and it is possible to determine in the wireless terminal 200 which loyalty applets are applied among the loyalty applets.

The applet transmitter 140 transmits the royalty applet generated by the applet generator 135 to the wireless terminal 200 through the mobile communication network, and the royalty to the wireless terminal 200. If the applet cannot be immediately transmitted, after matching and storing the wireless terminal information and the royalty applet in a predetermined storage medium 105, if the condition for transmitting the royalty applet to the wireless terminal 200 is secured, The royalty applet is extracted from the storage medium 105 and transmitted to the wireless terminal 200.

According to a preferred embodiment of the present invention, the applet transmitter 140 may approve the loyalty applet to the wireless terminal 200 and a predetermined callback URL for the server 100. It is preferable to transmit a message including a, the wireless terminal 200 to connect the callback UEL to the server 100, and to transmit the generated royalty applet to the wireless terminal 200.

2 is a diagram illustrating a functional configuration of a wireless terminal 200 for wireless loyalty accumulation according to a preferred embodiment of the present invention.

In terms of hardware, a wireless terminal providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 265, and internally, CDMA. (Code Division Multiple Access) A predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) and various memories incorporating functions such as a modem, CPU / MPU (Central Processing Unit / Micro Processing Unit), vocoder, etc. Device, a duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high power transmission signal from returning in reverse RF / IF SAW filter for eliminating out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and V for the reference clock source Voltage Controlled Temperature Compensated X-tal Oscillator (CTCXO), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are directly integrated in the modem chip.

Referring to the hardware configuration of the wireless terminal providing a wireless loyalty earning function with reference to the hardware characteristics of the wireless terminal, as shown in Figure 1, the control unit 205, the screen output unit 210 and the key input unit 215 And a sound processor 220, a wireless processor 225, a memory 240, and a battery 265 for power supply, and interface with an IC chip 245 mounted or detached from the wireless terminal 200. An IrFM processor 230 for connecting the payment terminal 300 and the payment session based on the IC chip interface 235 and IrDM of IrDA is further provided.

The control unit 205 of the wireless terminal 200 includes a processor and execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a function specific to a wireless terminal from a predetermined memory device. And a program routine (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, and a predetermined memory element in software Or a generic term for program routines and / or program data loaded from the chipset into the execution memory and computed through the processor to perform specific functions (hence, in the present invention, recording of a wireless terminal to provide wireless loyalty earning functionality). A predetermined program routine recorded on the medium is provided in the control unit 205. By the controller 205, various functions to be implemented in the wireless terminal are realized by the control unit 205, and the overall operation of the wireless terminal is controlled and managed to realize the above functions. . In particular, when power is input to the wireless terminal to perform a function of the control unit 205 for controlling and managing the overall operation of the wireless terminal, an operating system routine, a system management routine, and / or stored in a predetermined memory element System variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 210 of the wireless terminal 200 is a liquid crystal display (LCD) driver for screen output, and the controller 205 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the key input unit 215, and various information, signals, and / or contents (e.g., text content, image content) extracted and / or generated in the course of performing a predetermined function included in the wireless terminal. , And / or multimedia content) is output to the LCD, and the screen output unit is provided to the wireless terminal through the screen output unit 210 and the LCD.

The key input unit 215 of the wireless terminal 200 is provided from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Reading predetermined information or a signal corresponding to the at least one input key data (for example, reading from a table storing information or a signal matching the key data) and delivering the information or signal to the controller 205. The key input unit provided in the wireless terminal is provided through the key input unit 215 and the keypad.

The sound processor 220 of the wireless terminal 200 encodes a predetermined sound signal input from a microphone provided in the wireless terminal to provide to the controller 205, or the controller 205 extracts and / or Alternatively, a predetermined sound signal generated is decoded and output through a speaker. For this purpose, the sound processor 220 includes a predetermined vocoder and a codec. Sound input means provided in the wireless terminal is provided through the sound processor 220 and a microphone, or sound output means provided in the wireless terminal is provided through the sound processor 220 and a speaker.

The wireless processing unit 225 of the wireless terminal 200 may register location and / or slot mode and / or power control in association with the control unit 205 (eg, a program routine for providing a mobile communication service). And a mobile communication service including a power control and / or hand-off and / or call processing procedure, wherein the mobile communication network is provided in a process of providing the mobile communication service. And an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) for transmitting and receiving radio frequency signals with the mobile base station 165 corresponding to the termination. In particular, the wireless processing unit 225 processes the information or signal transmitted from the mobile terminal to the mobile base station 165 in a CDMA stack or provides a CDMA received from the mobile base station 165 to provide the mobile communication service. It is characterized in that it provides a function for reading a predetermined information or signal from the stack.

According to a preferred embodiment of the present invention, the wireless processing unit 225 is preferably connected to a predetermined data communication channel for receiving a predetermined royalty applet including the royalty information and the server 100 via a mobile communication network. Do.

The memory unit 240 of the wireless terminal 200 performs an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal. A general term for a memory device that stores information and / or data input and output when a memory device is stored. (Electrically Erasable and Programmable Read Only Memory) and the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal and information or data therefor. The EEPROM stores terminal registration related parameters, wireless terminal information, or at least one or more information and / or data extracted and / or generated while executing an application provided in the wireless terminal.

The IC chip interface 235 of the wireless terminal 200 is wireless through the IC chip 245 standard including ISO / IEC 7816 and / or ISO / IEC 14443 and the financial IC chip 245 standard including EMV. It is characterized in that it provides information and / or data exchange between the IC chip 245 associated agent (eg, loyalty accumulator 275) and the financial IC chip 245 provided in the terminal 200. For example, IC chip interface 235 provides information and / or data exchange between IC chip 245 agent program and financial IC chip 245 via an Application Protocol Data Unit (APDU).

Referring to the IC chip 245 standard including the ISO / IEC 7816 and / or ISO / IEC 14443, and the EMV standard, the financial IC chip 245 mounted or detached from the wireless terminal 200 is the financial IC. The chip 245 is a card through contact points such as power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O). A processor unit 255 including an input / output interface 250 for communicating with a terminal device and at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, or the like. And a memory unit 260 including at least one memory device including a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EPEPROM), a flash memory (FM), and the like. In particular, at least one or more of the memory elements inside the smart card A chip operating system (COS) for managing and operating resources is provided, and at least one of the remaining memory elements includes at least one IC chip 245 storing information for providing a service using a smart card. do.

The IC chip 245 storage information included in the memory unit 260 on the financial IC chip 245 includes a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program; And / or a data processing unit for storing and driving a program module (eg, JAVA Applet) that can be used by the card terminal program, and the like, and in particular, the program processing unit includes a card configuration (eg, COS or open type). It is part of a virtual machine of a smart card, or it is linked with the card configuration.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a data storage unit of the financial IC chip 245 includes a credit card, a debit card, a check card, and a prepaid card. At least one payment means including a prepaid card, an electronic wallet, an electronic wallet, an electronic bankbook, and a financial common network is provided.

According to a preferred embodiment of the present invention, the IC chip 245 and the IC chip 245 associated program provided in the wireless terminal 200 to interwork with the IC chip interface 235, the wireless terminal ( When selecting a predetermined payment mode in 200, it is preferable to provide a personal identification number input through the key input unit 215 to the IC chip 245 to authenticate the validity of the IC chip 245, and And / or read predetermined payment means information required for payment processing from the IC chip 245.

According to the present invention, the payment means information read out from the IC chip 245 includes payment means information corresponding to the payment means selected for payment processing among the payment means provided in the IC chip 245 (eg, the payment means is credited). If the card payment, credit card information, if the payment method is electronic bank account information).

According to a preferred embodiment of the present invention, the payment means information read out from the IC chip 245 includes predetermined customer information (for example, customer authentication information stored on the IC chip 245 in the process of issuing the IC chip 245). It is preferable to further include.

According to one embodiment of the present invention, the IC chip 245 equipped with at least one payment means or mounted on or detached from the wireless terminal 200 includes a subscriber identity module (SIM), a universal identification module (UIM), When performing the function of the Universal Subscriber Identity Module (USIM), it is preferable that predetermined wireless terminal information (eg, a wireless terminal telephone number) is further included in the payment means information read out from the IC chip 245.

Although a person skilled in the art of the present invention has specified that the wireless terminal 200 transmits predetermined customer information and wireless terminal information to the payment terminal 300, the payment means information read out from the IC chip 245. When the customer information and / or wireless terminal information is not included, the customer information and / or wireless terminal information may be extracted from the memory unit 240 provided in the wireless terminal 200.

According to another exemplary embodiment of the present invention, the customer information and / or wireless terminal information is not transmitted from the wireless terminal 200 to the payment terminal 300, but is stored on the storage medium 105 on the network and / or on the mobile communication network. After storing in advance in the medium 105, the server 100 may be extracted from the storage medium 105 in the step of requiring the customer information and / or wireless terminal information.

IrFM processing unit 230 of the wireless terminal 200 is provided in the IC chip 245 by a payment terminal 300 equipped with infrared communication means according to the IrFM standard of IrDA and a predetermined protocol defined in the IrFM standard. Characterized in that connecting a predetermined payment session for transmitting a predetermined payment means information to the payment terminal 300.

According to the exemplary embodiment of the present invention, the personal identification number input through the key input unit 215 by selecting a predetermined payment mode in the wireless terminal 200 is the IC chip through the IC chip interface 235. If provided to 245 and matches the number previously stored in the IC chip 245, the IrFM processing unit 230 is a reception standby for receiving a predetermined payment request message from the payment terminal 300 equipped with infrared communication means Mode is switched to determine whether a predetermined payment request message is received from the payment terminal 300 according to the IrFM standard, and when the payment request message is received as a result of the determination, the IC chip is transmitted through the IC chip interface 235. And transmitting the payment means information read out from 245 in response to the payment request message, wherein the IrFM processing unit 230 is configured to transmit the payment terminal ( In transmitting the payment means information to 300, it is preferable to further include the wireless terminal information stored in the memory unit 240 of the wireless terminal 200.

According to another exemplary embodiment of the present invention, the personal identification number inputted through the key input unit 215 by selecting a predetermined payment mode in the wireless terminal 200 is entered through the IC chip interface 235. When provided with the chip 245 and the number previously stored in the IC chip 245, the IrFM processing unit 230 is a payment terminal 300 that can connect a payment session through the infrared communication means in accordance with the IrFM standard If there is a payment terminal 300 to search for the existence of the search result and connect the payment session, the IrFM processing unit 230 reads the payment read from the IC chip 245 through the IC chip interface 235. And transmitting the means information to the payment terminal 300, wherein the IrFM processor 230 transmits the payment means information to the payment terminal 300, the wireless terminal. To transmit further comprises a mobile terminal information stored in the memory section 240 of 200 is preferred.

Referring to FIG. 2, the wireless terminal 200 is equipped with an IC chip 245 equipped with at least one payment means or mounted thereon, and is equipped with an infrared communication means based on IrFM's IrFM standard. In the basic components provided in the), the applet receiving unit for receiving a royalty applet containing a predetermined royalty information from the server (100) (270); And / or a loyalty accumulator 275 for storing the received loyalty applet on the IC chip 245 and / or storing and / or updating the loyalty applet. 270 and the royalty earning unit 275 are preferably provided as a predetermined program recorded on a recording medium provided in the wireless terminal 200.

The applet receiver 270 is connected to the applet transmitter 140 provided in the server 100 when the wireless terminal 200 accesses the server 100 through the wireless processor 225. It is characterized in that for receiving a predetermined loyalty applet to be mounted and / or stored and / or updated on the IC chip 245.

According to a preferred embodiment of the present invention, the applet receiver 270 receives the royalty applet from the server 100 through the wireless processor 225 to the IC chip 245 by the server 100. It is preferable to provide predetermined IC chip 245 information required to mount the royalty applet, whereby the applet transmitter 140 is mounted or detached from the wireless terminal 200. It is desirable to send a predetermined loyalty applet that can be credited to.

When the applet receiving unit 270 receives a predetermined royalty applet from the server 100, the royalty earning unit 275 transmits the received royalty applet to the IC chip 245 through the IC chip interface 235. ) To be mounted and / or stored and / or renewed to earn.

According to a preferred embodiment of the present invention, when the IC chip 245 is equipped with a predetermined card application capable of storing and / or updating royalty information included in the royalty applet, the royalty earning unit 275 ) Stores and / or renews the loyalty information included in the loyalty applet with the card application, and accumulates the loyalty information included in the loyalty applet on the IC chip 245 on the IC chip 245. If a predetermined card application that can store and / or update is not installed, the loyalty accumulator 275 stores the loyalty applet as a card application that is post-issued on the IC chip 245 and accumulates it. desirable.

3 is a diagram showing the functional configuration of the payment terminal 300 for wireless loyalty accumulation according to a preferred embodiment of the present invention.

Referring to FIG. 3, the payment terminal 300 basically includes a control unit 305, a memory unit 350, a card reader unit 310, a key input unit, a screen output unit 320, a communication unit 325, and an IrFM processing unit ( And a power supply unit 355 for supplying power to the print output unit 340, the payment terminal 300, and at least one terminal function unit 335.

The control unit 305 of the payment terminal 300 controls the overall operation of the payment terminal 300 in the functional configuration, manages the flow of information or data between each component, payment terminal for wireless payment and wireless loyalty credit Characterized in the control unit 300, characterized in that at least one or more processors and execution memory (e.g., registers) and predetermined, including a central processing unit (CPU) / Micro Processing Unit (MPU) in hardware A predetermined electronic function component included in the payment terminal 300 for inputting and outputting data, and at least one electronic circuit (or integrated circuit) therefor (ie, wireless payment and wireless royalty). Is shown in the control unit 305), and the payment terminal 300 to perform a specific function in software A predetermined program routine and / or program data which are loaded from the predetermined recording medium provided to the execution memory and computed by the processor. To at least one routine that constitutes a predetermined program recorded on a recording medium provided to the payment terminal 300. In particular, the controller 305 includes a predetermined operating system and / or a terminal control program routine that manages the payment terminal 300 after the payment terminal 300 is booted in software.

The memory unit 350 of the payment terminal 300 is a storage medium 105 that stores at least one or more information or data required for the control unit 305 to perform a predetermined control function. Erasable and Programmable Read Only Memory (FM), Flash Memory (FM), HDD (Hard Disk Drive) including at least one or more storage means, including the software control unit 305 to perform a predetermined control function A predetermined program routine and program data (e.g., data input or output for the program routine to perform a predetermined function).

The card reader 310 of the payment terminal 300 provides an interface between the card and the payment terminal 300 to read at least one or more information or data included in the card for a predetermined electronic payment. The MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard and the payment terminal 300 interface with the MS reader unit and / or the contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard And a contact IC reader unit for interfacing with the terminal 300 and / or a contactless IC reader unit for interfacing the payment terminal 300 with a contactless IC card based on the ISO / IEC 14443 standard.

The key input unit of the payment terminal 300 from a predetermined key input means comprising a plurality of number keys (Character Key), a function key (Function Key), etc. that can enter a character A terminal operator and / or a user inputs corresponding key data generated by clicking a predetermined key to the controller 305, and the controller 305 is key data input through a key input unit. Read and control a predetermined function and / or a predefined task corresponding to the key data in association with at least one component provided in the payment terminal 300.

The screen output unit 320 of the payment terminal 300 includes a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 305 in the payment terminal 300. And at least one information or data that is predefined or real time defined to be output, and the information or data predefined to be output on the screen by the payment terminal 300 is input through the key input unit. Key data, information stored or generated by the components provided in the payment terminal 300, information transmitted and received through the transaction communication unit 325, data corresponding to a predetermined operation result performed by the payment terminal 300 It is made to include.

The communication unit 325 of the payment terminal 300 is a communication means for performing a transaction function (for example, a payment transaction function between the payment terminal 300 and the payment server 100) provided in the payment terminal 300. And a server on a wired / wireless network through at least one wired network including a VAN, a financial common network or an ADSL, and at least one wireless network including a mobile communication network or a wireless data communication network. 100) and transactional communication.

According to a preferred embodiment of the present invention, the communication unit 325 includes a server 100 on at least one wired network including a VAN or a financial common network or an ADSL in hardware, or a mobile communication network or a wireless data communication network. It comprises a modem or a network interface card (NIC) for connecting a predetermined communication session for transactional communication with the server 100 on at least one wireless network, the server on the wired / wireless network in software And a predetermined communication protocol and communication application for connecting the communication session with the 100.

The IrFM processing unit 330 of the payment terminal 300 is mounted on the wireless terminal 200 by a wireless terminal 200 equipped with an infrared communication means according to the IrFM standard of IrDA and a predetermined protocol defined in the IrFM standard. And a predetermined payment session for receiving predetermined payment means information provided on the detachable IC chip 245.

According to an exemplary embodiment of the present invention, when a predetermined payment request message is generated by a payment request command including a payment amount in the payment terminal 300, the IrFM processing unit 330 may communicate wirelessly through infrared communication means. Search whether the terminal 200 exists, and if the wireless terminal 200 exists, the IrFM processing unit 330 transmits the payment request message to the wireless terminal 200 through the infrared communication means. Preferably, the wireless terminal 200 receives payment means information read from the IC chip 245 in response to the payment request message, and the IrFM processor 330 receives the payment from the wireless terminal 200. In receiving the means information, it is preferable to further include wireless terminal information extracted from the memory unit 260 of the wireless terminal 200.

According to another exemplary embodiment of the present invention, when a payment request command including a payment amount is input from the payment terminal 300, the IrFM processing unit 330 receives a reception for receiving payment means information through an infrared communication means. It is preferable to switch to the mode, and the payment means information read from the IC chip 245 from the predetermined wireless terminal 200, the IrFM processing unit 330 receives the payment means information from the wireless terminal 200. In the reception, it is preferable to further include wireless terminal information extracted from the memory unit 260 of the wireless terminal 200.

The print output unit 340 of the payment terminal 300 processes a predetermined function and / or a job using a card in the payment terminal 300 and / or predetermined information or data generated as a result. A print protocol and a print device driver for printing the print information or data through a predetermined print device in accordance with a predefined print form; It is made, including.

The terminal function unit 335 of the payment terminal 300 is provided to the payment terminal 300 for the purpose and / or a predetermined purpose or role of the components provided in the payment terminal 300 in addition to the components shown in FIG. Representative components include, typically, a Secure Application Module (SAM) and / or a bill dispenser for cash payment. Those skilled in the art to which the present invention pertains will easily understand each terminal function unit 335 provided according to the characteristics of the payment terminal 300, so a detailed description thereof will be omitted.

Referring to Figure 3, the payment terminal 300 is a basic component equipped with an electronic payment processing function, to process the wireless payment based on IrFM IrFM standard, and to earn wireless royalties in the wireless payment process And a royalty generation unit 125 for generating royalty information corresponding to a predetermined payment amount to be processed through payment means information received from the wireless terminal 200 through the IrFM processing unit 330. The royalty information generated by the royalty generating unit 125 is included in the payment request message transmitted from the payment terminal 300 to the server 100 for payment processing, characterized in that transmitted. By this, the receiving unit 110 provided in the server 100 receives the full payment request message by the royalty generating unit 125 provided in the payment terminal 300. The generated royalty information is further received.

4 is a diagram illustrating a preferred embodiment of transmitting the payment means information from the wireless terminal 200 to the payment terminal 300 according to the preferred embodiment of the present invention.

In more detail, FIG. 4 illustrates an embodiment in which the wireless terminal 200 transmits predetermined payment means information from the IC chip 245 to the payment terminal 300 based on the IrFM of the IrDA, and includes the predetermined payment means information in the IrFM message. As an illustration, the function of the IrFM server that the payment terminal 300 equipped with infrared communication means conforming to the IrFM standard searches for the wireless terminal 200 equipped with infrared communication means conforming to the IrFM standard based on the IrFM protocol. Is for when you do.

Referring to FIG. 4, the wireless terminal 200 selects a payment mode by selecting a payment menu or clicking a payment button. When the payment mode is selected, the wireless terminal 200 uses a key input unit 215 provided in the wireless terminal 200. When a predetermined personal identification number is input, a program related to a predetermined IC chip 245 provided in the wireless terminal 200 provides the personal identification number to the IC chip 245 through the IC chip interface 235. By determining the validity of the IC chip 245 (400).

According to a preferred embodiment of the present invention, the payment is selected from at least one or more payment means provided in the IC chip 245 in the process of selecting the payment mode, or the validity of the IC chip 245 is authenticated. It is preferable that the predetermined payment means to be used is selected.

If the validity of the IC chip 245 using the personal identification number is not authenticated (405), the wireless terminal 200 releases the payment mode and uses the payment means provided in the IC chip 245. Terminate the payment.

On the other hand, if the validity of the IC chip 245 is authenticated (405), the wireless terminal 200 is switched to the state to receive a predetermined payment request message through the IrFM in the payment mode, the same through the IrFM In operation 410, it is determined whether a payment request message is received through the IrFM from the payment terminal 300 having an IrFM function.

Before or during or after the series of processes in the wireless terminal 200, the payment terminal 300 to which the wireless terminal 200 and the payment session using the IrFM are connected is a predetermined payment amount. Generate a payment request message to be transmitted to the wireless terminal 200 by the payment request command including a (415), and searches the wireless terminal 200 to be transmitted to the payment request message based on the IrFM protocol (420) ).

According to a preferred embodiment of the present invention, the infrared communication means based on IrFM IrFM for connecting a payment session between the wireless terminal 200 and the payment terminal 300 is a directional short range wireless communication means, the payment mode and / or When the wireless terminal 200 waiting to receive a payment request message and the payment terminal 300 optically face each other, the wireless terminal 200 is searched by the payment terminal 300 by the IrFM protocol.

According to another exemplary embodiment of the present invention, a payment session connecting the wireless terminal 200 and the payment terminal 300 may include RF communication means and / or Bluetooth communication means and / or wireless LAN communication means and / or Wi-Fi communication. The wireless terminal 200 and the payment terminal 300 when connected via at least one communication means of non-directional short-range wireless communication means including a means and / or a Wi-bro communication means and / or a Wi-Max communication means. It is possible to search for the wireless terminal in the payment terminal 300 through a predetermined pilot signal corresponding to the communication means even without facing optically.

If the wireless terminal 200 is found in the payment terminal 300 (425), the payment terminal 300 transmits the payment request message to the searched wireless terminal 200 through IrFM (430) In step 435, the wireless terminal 200 receives a predetermined IrFM message corresponding to the response of the payment request message through IrFM.

If the payment request message is received from the payment terminal 300 through the IrFM (440), the wireless terminal 200 reads predetermined payment means information from the IC chip 245 (445), Generate an IrFM message including the payment means information (eg, payment means information and / or customer information and / or wireless terminal information) read out from the IC chip 245 (450), and generate the information including the payment means information. The IrFM message is transmitted to the payment terminal 300 through IrFM in response to the payment request message (455).

If the payment terminal 300 is received through the IrFM from the wireless terminal 200 while maintaining the reception of the response to the payment request message (460), the payment terminal 300 is included in the IrFM The payment is processed according to a predefined procedure using the payment method information.

5 is a diagram illustrating another process of transmitting payment means information from the wireless terminal 200 to the payment terminal 300 according to a preferred embodiment of the present invention.

In more detail, FIG. 5 illustrates an embodiment in which the wireless terminal 200 transmits predetermined payment means information from the IC chip 245 to the payment terminal 300 based on the IrFM of IrDA, including the predetermined payment means information from the IC chip 245. As shown, the wireless terminal 200 equipped with infrared communication means complying with the IrFM standard of the IrFM server for searching the payment terminal 300 equipped with infrared communication means conforming to the IrFM standard based on the IrFM protocol This is for the case of performing a function.

Referring to FIG. 5, the wireless terminal 200 selects a payment mode by selecting a payment menu or clicking a payment button. When the payment mode is selected, the wireless terminal 200 uses a key input unit 215 provided in the wireless terminal 200. When a predetermined personal identification number is input, a program related to a predetermined IC chip 245 provided in the wireless terminal 200 provides the personal identification number to the IC chip 245 through the IC chip interface 235. By determining the validity of the IC chip 245 (500), a predetermined payment means to be used for the payment is selected from at least one or more payment means provided in the IC chip 245 in the process.

If the validity of the IC chip 245 using the personal identification number is not authenticated (505), the wireless terminal 200 releases the payment mode and uses the payment means provided in the IC chip 245. Terminate the payment.

On the other hand, if the validity of the IC chip 245 is authenticated (505), the wireless terminal 200 is transmitted through the IrFM message payment means information read from the IC chip 245 in the payment mode through the IrFM message The payment terminal 300 is searched (510).

Before the process of searching for the payment terminal 300 through the IrFM in the wireless terminal 200 as described above or during or after the flood, the payment session using the wireless terminal 200 and the IrFM is performed. The payment terminal 300 to be connected is switched to a reception standby mode for receiving an IrFM message including predetermined payment means information in the wireless terminal 200 by a payment request command including a predetermined payment amount (515). When the wireless terminal 200 and the payment terminal 300 face each other in the IrFM message reception standby mode as described above, the payment terminal 300 is searched by the wireless terminal 200.

If a payment terminal 300 to which a payment session using IrFM is connected in the wireless terminal 200 is searched for (520), the wireless terminal 200 is connected to the wireless terminal 200 from the IC chip 245. Read payment means information (525), generate an IrFM message including the payment means information (e.g., payment means information and / or customer information and / or wireless terminal information) read out from the IC chip (245); In operation 530, the IrFM message including the payment means information is transmitted to the payment terminal 300 through IrFM in response to the payment request message (535).

If the payment terminal 300 receives an IrFM message including predetermined payment means information from the wireless terminal 200 in the standby mode for receiving the IrFM message including the payment means information (540), the payment terminal ( 300 processes the payment according to a predefined procedure using the payment means information included in the IrFM.

6 is a diagram illustrating a payment process using the payment means information received from the wireless terminal 200 in the payment terminal 300 according to a preferred embodiment of the present invention.

According to a preferred embodiment of the present invention Figure 6, the payment terminal 300 of the various implementation methods of the present invention and the predetermined royalty information generated in the payment request and sent to the server 100 and In order to explain the case in which all the royalty information is not generated, a step 605 of determining whether to generate royalty information in the payment terminal 300 is added. It only needs to be performed before transmitting to the server 100, and when a person skilled in the art of the present invention has fixed the location (eg, payment terminal 300 or server 100) where the royalty information is generated, the royalty information The step of determining whether to generate is omitted.

Referring to FIG. 6, the wireless terminal 200 includes predetermined payment means information (eg, payment means information and / or customer information and / or wireless terminal information) from the wireless terminal 200 through IrFM. When receiving an IrFM message 600, the payment terminal 300 determines whether to generate predetermined royalty information corresponding to the payment amount included in the payment request command in FIGS. 4 to 5.

If it is determined that predetermined royalty information is generated in the payment terminal 300 (605), the payment terminal 300 generates royalty information including a predetermined royalty point corresponding to the payment amount; 610), the payment means information received from the wireless terminal 200 and the payment amount and payment terminal 300 information (eg, merchant information and / or payment terminal 300 serial number) and the generated royalty information A payment request message is generated that includes more (615).

On the other hand, if it is determined that predetermined royalty information is not generated in the payment terminal 300 (for example, when royalty information is generated in the server 100) (605), the payment terminal 300 is the wireless terminal ( In operation 615, a payment request message including payment method information received from the payment method information, payment amount, and payment terminal 300 information (eg, merchant information and / or payment terminal 300 serial number) is generated (615).

When the payment request message is generated as described above, the payment terminal 300 transmits the payment request message to the server 100 through a predetermined payment network (620), and the payment request message from the server 100. In operation 625, the mobile terminal 100 enters a reception waiting state for a payment approval text corresponding to and determines whether the payment approval text is received from the server 100 (625).

If a predetermined payment approval text is received from the server 100 (630), the payment terminal 300 reads the payment approval text to confirm the payment processing result (eg, payment approval or payment error), A predetermined receipt including the payment result is output (635).

FIG. 7 is a diagram illustrating a process of generating payment processing and wireless royalty using the payment request message received from the payment terminal 300 in the server 100 according to a preferred embodiment of the present invention.

When a predetermined payment request message is received from the payment terminal 300 to the server 100 through a series of processes as illustrated in FIG. 6 (700), the server 100 transmits the payment request message. In operation 705, it is determined whether to approve the payment requested by the payment terminal 300 in response to the payment means information read from the IC chip 245 mounted on or detached from the wireless terminal 200.

If the payment process requested by the payment terminal 300 is not approved (710), the server 100 generates a predetermined payment approval message including the payment error information and the payment terminal 300 through the payment network. (715).

On the other hand, if the payment process requested by the payment terminal 300 is approved (710), the server 100 performs a predetermined predetermined payment procedure for payment processing in response to the payment means information included in the full payment request. In operation 720, a predetermined payment approval text including the payment approval result is generated and transmitted to the payment terminal 300 through the payment network (725).

After the predetermined payment approval text including the payment approval result as described above is transmitted to the payment terminal 300 (725), the server 100 is generated by the payment terminal 300 in the payment request message. It is determined whether predetermined royalty information (for example, a loyalty point requested to be earned by a customer at a store or a merchant) is included (730). If the royalty information is fixed to be generated by the server 100, the determination step may be omitted. Do.

If the predetermined payment information is not included in the payment request text (735), the server 100 provides royalty information including predetermined royalty points corresponding to the payment amount of the payment request text message according to a predetermined royalty policy. Generate 740.

On the other hand, if the payment request message includes the predetermined royalty information generated in the payment terminal 300 (735), the server 100 extracts the royalty information from the payment request message (745).

According to one embodiment of the present invention, the loyalty points to be credited to the customer are simultaneously generated by the payment terminal 300 (eg, a store or an affiliated store) and the server 100 (eg, a card company or a mobile carrier) to the customer. It is clear that you can earn.

When the royalty information is generated and / or extracted as described above, the server 100 transmits the royalty information to the wireless terminal 200 in real time to determine whether to accumulate the IC chip 245 (750). . For example, a fee required to transmit a royalty applet including the royalty information to the wireless terminal 200 (for example, a royalty point included in the royalty information is paid for transmitting a packet to the wireless terminal 200 through a mobile communication network). Cost), the royalty information is preferably not transmitted to the wireless terminal 200.

According to an exemplary embodiment of the present invention, the server 100 does not transmit the generated royalty information to the wireless terminal 200 in real time to a predetermined storage medium 105 that is reserved for storing the royalty information on a network. After storing and accumulating, if the loyalty point included in the predetermined royalty information exceeds a reference value, the loyalty point is extracted from the storage medium 105 and transmitted to the wireless terminal 200, or when the predetermined period elapses, the storage medium ( Extracted from 105 and periodically transmitted to the wireless terminal 200.

If it is determined that the royalty information is not transmitted in real time to the wireless terminal 200 (755), the server 100 accumulates and stores the royalty information in the storage medium 105 on the network (760). ), The royalty information stored in the storage medium 105 is transmitted to the wireless terminal 200 after the predetermined reference value or a predetermined period elapses and is accumulated in the IC chip 245.

On the other hand, if it is determined that the royalty information is accumulated in the IC chip 245 by transmitting the royalty information to the wireless terminal 200 in real time (755), the server 100 includes the royalty information. A loyalty applet that can be accumulated in the IC chip 245 included in the wireless terminal 200 is generated (765).

According to an exemplary embodiment of the present invention, the server 100 may include information about an IC chip 245 including an issuer, a platform, and / or an operating system type and version of the IC chip 245 included in the wireless terminal 200. It is possible to know, through this to generate a predetermined loyalty applet that can be earned by mounting and / or storage and / or update in the IC chip 245 including the royalty information. In addition, the wireless terminal 200 transmits the IC chip 245 information as described above from the wireless terminal 200 to the payment terminal 300 and the IrFM message transmitted from the payment terminal 300 to the server 100. It is possible to check through the full payment request sent to.

8 is a diagram illustrating a process of transferring a royalty applet from the server 100 to the wireless terminal 200 and accumulating the IC chip 245 according to the preferred embodiment of the present invention.

When the royalty applet is generated through the process as shown in FIG. 7, the server 100 wirelessly transmits the royalty applet to the wireless terminal 200 to the payment request message received from the payment terminal 300. It is determined whether the terminal information is included (800).

If the wireless terminal information is not included in the full text of the payment request (805), the server 100 from the storage medium 105 for matching and storing the wireless terminal information and the customer information and / or payment means information; Loyalty applet is transmitted to extract the wireless terminal information to be stored in the IC chip 245, or a storage medium 105 (for example, HLR / VLR 145 to match and store the wireless terminal information and customer information on a mobile communication network) The loyalty applet is transmitted from)) to extract wireless terminal information to be accumulated in the IC chip 245 (810).

On the other hand, if the wireless terminal information is included in the payment request message (805), the server 100 extracts the wireless terminal information to be credited to the IC chip 245 is transmitted to the loyalty applet from the payment request message (815).

When the loyalty applet is transmitted as described above and the wireless terminal information to be accumulated in the IC chip 245 is extracted, the server 100 may store predetermined loyalty information (eg, the IC chip 245 provided in the wireless terminal 200). ) To generate a message including a credit point generated corresponding to the payment amount) and a callback UEL for the server 100 (820), and generates the generated message through the extracted wireless terminal information. Transmit (825).

When a message including a predetermined royalty earning content and a callback UEL is received from the server 100, the wireless terminal 200 outputs the message on a screen, and the royalty point included in the royalty information is stored in the wireless terminal ( In operation 830, it is determined whether to accumulate by mounting and / or storing and / or updating the IC chip 245 provided in the chip.

According to a preferred embodiment of the present invention, by accessing the server 100 through the callback UEL in the wireless terminal 200 to accumulate the royalty information to the IC chip 245 provided in the wireless terminal 200 It is advisable to consider doing so.

If it is not approved to accumulate the royalty information in the IC chip 245 provided in the wireless terminal 200 (835), the wireless terminal 200 receives the royalty applet from the server 100 The process of mounting and / or storing and / or updating the IC chip 245 is not performed.

On the other hand, if the wireless terminal 200 is approved to accumulate the royalty information in the IC chip 245 provided in the wireless terminal 200 (835), the wireless terminal 200 is a callback UEL included in the message Access to the server 100 through the server 100 receives a loyalty applet containing the loyalty information to be mounted and / or stored and / or updated in the IC chip 245 from the server (100), the reception The loyalty applet is mounted and / or stored and / or updated by the IC chip 245 to accumulate.

 According to the present invention, a predetermined loyalty point generated during a predetermined payment process using an IC chip mounted or detached from a wireless terminal is stored and managed in the IC chip having excellent security and minimizing the risk of theft or theft. There is an advantage, and if the loyalty point exceeds the reference amount, there is an advantage that the loyalty point can be used both online and / or offline through the shadow account function of the IC chip.

Claims (98)

An IC chip having at least one payment means is mounted or demounted, and is provided with a wireless terminal having predetermined short range wireless communication means for payment processing using a payment means provided in the IC chip, and through the short range wireless communication. In the wireless terminal earning method, characterized in that it comprises a payment terminal connected to the wireless terminal, and a server connected to the payment terminal through a predetermined payment network, Receiving payment means information from the wireless terminal through the short-range wireless communication means at the payment terminal in the payment processing using the wireless terminal; Generating, by the payment terminal, a payment request message including the received payment means information and a predetermined payment amount, and transmitting the generated payment request message to the server through the payment network; Reading the full text of the payment request from the server to determine whether the payment is approved, and when the payment is approved, extracting or generating predetermined royalty information corresponding to the payment amount; Generating, by the server, the royalty information into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal; Transmitting the generated royalty applet to the wireless terminal at the server; And And loading and / or storing and / or updating the royalty applet on the IC chip provided in the wireless terminal in the wireless terminal. The method of claim 1, wherein the receiving terminal receives the predetermined payment means information from the wireless terminal through the short-range wireless communication means, And receiving predetermined wireless terminal information from the wireless terminal through the short range wireless communication means at the payment terminal. The method of claim 1, wherein the payment terminal generates a payment request message including the received payment means information and a predetermined payment amount, and then transmits the generated payment request message to the server through the payment network. Is, When the payment terminal receives predetermined wireless terminal information from the wireless terminal through the short-range wireless communication means, transmitting the received wireless terminal information from the payment terminal to the server through the payment network; Wireless loyalty earning method, characterized in that made. The method of claim 1, Reading predetermined payment information and / or payment means information by reading the payment request message in the server; And And reading wireless terminal information linked to the read customer information and / or payment means information from a predetermined storage medium storing the customer information in the server. . The method of claim 1, Reading predetermined payment information and / or payment means information by reading the payment request message in the server; And And confirming wireless terminal information corresponding to the read customer information and / or payment means information in connection with the mobile communication company server in the server. The method of claim 1, wherein after determining the approval of the payment by reading the full text of the payment request in the server, and extracting or generating predetermined royalty information corresponding to the payment amount when the payment is approved, Storing, at the server, the royalty information on a storage medium on a network; Determining whether the server transmits the royalty information to the wireless terminal; And extracting the royalty information from the storage medium when the royalty information is transmitted to the wireless terminal as a result of the determination. The method of claim 1, wherein the transmitting of the generated royalty applet from the server to the wireless terminal comprises: And transmitting the generated royalty applet to the wireless terminal based on the wireless terminal information in the server, when the payment terminal transmits predetermined wireless terminal information corresponding to the wireless terminal. The method of claim 1, wherein the transmitting of the generated royalty applet from the server to the wireless terminal comprises: Reading predetermined payment information and / or payment means information by reading the payment request message in the server; Reading wireless terminal information processed in association with the read customer information and / or payment means information from a predetermined storage medium storing customer information in the server; And And transmitting the generated royalty applet to the wireless terminal on the basis of the read wireless terminal information in the server. The method of claim 1, wherein the transmitting of the generated royalty applet from the server to the wireless terminal comprises: Reading predetermined payment information and / or payment means information by reading the payment request message in the server; And Confirming wireless terminal information corresponding to the read customer information and / or payment means information in association with a mobile communication company server in the server; And And transmitting the generated royalty applet to the wireless terminal based on the confirmed wireless terminal information in the server. The wireless terminal information according to any one of claims 1 to 9, wherein Wireless loyalty accrual method comprising at least one of telephone number information, ENUM (tElephone NUmber Mapping) information, network address information of the wireless terminal. The method of claim 1, Generating a predetermined payment request message by a payment request command including a payment amount in the payment terminal; Searching whether there is a wireless terminal that can communicate through the short range wireless communication means in the payment terminal; And And transmitting the payment request message to the wireless terminal through the short range wireless communication means in the payment terminal if the wireless terminal exists as a result of the search. The method of claim 1, If the personal identification number input when the payment mode is selected in the wireless terminal coincides with the number previously stored in the IC chip, switching to the message receiving standby state through the short range wireless communication means; Determining, at the wireless terminal, whether a payment request message is received through the short range wireless communication means; And And if the payment request message is received as a result of the determination, reading the payment means information from the IC chip in the wireless terminal and transmitting the payment means information in response to the payment request message. The method of claim 12, wherein if the payment request message is received, the wireless terminal reads payment means information from the IC chip and transmits the payment means information in response to the payment request message. And transmitting, by the wireless terminal, predetermined wireless terminal information including a telephone number and / or a network address of the wireless terminal in response to the payment request message. The method of claim 1, If the personal identification number input when the payment mode is selected in the wireless terminal coincides with the number previously stored in the IC chip, searching whether there is a payment terminal that can communicate through the short range wireless communication means; And And if the payment result exists in the payment terminal, reading the predetermined payment means information from the IC chip by the wireless terminal and transmitting the predetermined payment means information to the payment terminal through the short range wireless communication means. How to earn. 15. The method of claim 14, wherein if the search result payment terminal is present, the wireless terminal reads predetermined payment means information from the IC chip and transmits the predetermined payment means information to the payment terminal through the short range wireless communication means. And transmitting, by the wireless terminal, predetermined wireless terminal information including the telephone number and / or a network address of the wireless terminal to the payment terminal. The method of claim 1, wherein the near field communication means, Infrared communication means, UWB (Ultra Wide Band) communication means, RF (Radio Frequency) communication means, Bluetooth communication means, wireless LAN communication means, Wi-Fi communication means, Wi-bro communication means, Wireless loyalty accrual method comprising at least one Wi-Max communication means. The method of claim 1, wherein the payment network, Wireless royalties comprising a Value Added Network (VAN) connecting the payment terminal and the server for a payment transaction corresponding to a predetermined payment means included in the IC chip mounted on the wireless terminal. How to earn. The method of claim 1, wherein the payment network, A high speed internet network including at least one ADSL and / or VDSL and / or cable communication to which the payment terminal is connected for payment transactions corresponding to a predetermined payment means included in the IC chip mounted on the wireless terminal. Wireless loyalty earning method, characterized in that made. The method of claim 1, wherein the payment network, Wireless loyalty accrual method characterized in that it comprises at least one of a mobile communication network and / or a wireless data communication network and / or wireless LAN and / or a portable Internet network to which the wireless terminal is connected. The method of claim 1, wherein the royalty information, Wireless loyalty earning method characterized in that it comprises at least one or more points and / or mileage and / or reserves and / or coupons that the server gives to the user of the wireless terminal in response to the payment amount . The method of claim 1, wherein the wireless terminal Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Wireless loyalty earning method characterized in that it comprises a portable mobile communication terminal comprising at least one or more of a personal digital assistant (PDA) and / or a smart phone (Smart Phone). The method of claim 1, wherein the wireless terminal Wireless loyalty accrual method comprising at least one of a wireless data communication terminal and / or a portable Internet terminal. The method of claim 1, wherein the server Wireless loyalty accrual method comprising at least one of a mobile communication company server and / or an IC chip issuing agency server and / or card company server and / or financial company server mounted on or detached from the wireless terminal. A wireless terminal for providing payment means information provided in the IC chip to a payment terminal using a predetermined short range wireless communication during a payment processing; A payment terminal for generating a payment request message including payment means information provided by the wireless terminal and a predetermined payment amount, and transmitting the generated payment request message to a server through a predetermined payment network; And In the payment processing system comprising a; server for processing the payment approval after determining the payment approval by reading the payment request full text, The server, Extract or generate predetermined royalty information corresponding to the payment amount, generate the royalty information into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal, and then generate the generated royalty applet to the wireless terminal. Characterized in that the transmission, The wireless terminal, Wireless loyalty earning system generated during payment processing, characterized in that the loyalty applet transmitted from the server is mounted and / or stored and / or updated in the IC chip provided in the wireless terminal. The method of claim 24, wherein the payment terminal, And after receiving predetermined wireless terminal information from the wireless terminal through the short range wireless communication means, transmitting the received wireless terminal information to the server through the payment network. The method of claim 24, wherein the wireless terminal, An applet receiver configured to receive a royalty applet including predetermined royalty information from the server; Wireless loyalty earning system comprising a; loyalty earning unit for mounting and / or storing and / or update the received loyalty applet on the IC chip. The method of claim 24, wherein the wireless terminal, When the near field communication means corresponds to infrared communication means based on IrFM of IrDA, And an IrFM processor for transmitting predetermined payment means information and / or telephone number and / or network address of a wireless terminal to the payment terminal according to the IrFM payment protocol. The method of claim 24, wherein the wireless terminal, When the near field communication means corresponds to the UWB communication means, And a UWB processing unit which transmits predetermined payment means information and / or telephone number and / or network address of the wireless terminal to the payment terminal device according to the UWB payment protocol. The method of claim 24, wherein the wireless terminal, When the near field communication means corresponds to the RF communication means, And a RF processing unit for transmitting predetermined payment means information and / or telephone number and / or network address of the wireless terminal to the payment terminal device according to the RF payment protocol. The method of claim 24, wherein the wireless terminal, When the near field communication means corresponds to the Bluetooth communication means, Wireless loyalty credit system further comprises a Bluetooth processor for transmitting predetermined payment means information and / or phone number and / or network address of the wireless terminal to the payment terminal device in accordance with the Bluetooth payment protocol. The method of claim 24, wherein the wireless terminal, When the short range wireless communication means corresponds to a wireless LAN communication means, Wi-Fi communication means, Wi-bro communication means, or Wi-Max communication means, Further comprising a wireless LAN processing unit for transmitting predetermined payment means information and / or phone number and / or network address of the wireless terminal to the payment terminal according to the wireless LAN or Wi-Fi or Wi-bro or Wi-Max payment protocol Wireless loyalty earning system, characterized in that made by. The method of claim 24, wherein the wireless terminal, Receiving a royalty applet including predetermined royalty information from the server; And Wireless loyalty earning, characterized in that it comprises a recording medium characterized in that a predetermined program for realizing the function of mounting and / or storing and / or update the received loyalty applet on the IC chip; system. The wireless terminal of claim 24, wherein the wireless terminal is Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal Wireless loyalty earning system comprising a portable mobile communication terminal including at least one of a personal digital assistant (PDA) and / or a smart phone. The wireless terminal of claim 24, wherein the wireless terminal is Wireless loyalty earning system, characterized in that it comprises at least one or more wireless data communication terminal and / or portable Internet terminal. The method of claim 24, wherein the server, Receiving unit for receiving the payment request message sent from the payment terminal; A royalty generation unit generating predetermined royalty information corresponding to the payment amount upon approval of a read result of the payment request specialist; An applet generation unit including the royalty information and generating a predetermined royalty applet mounted and / or stored and / or updated in an IC chip provided in the wireless terminal; Wireless loyalty earning system comprising a; applet transmitter for transmitting the generated royalty applet to the wireless terminal. The method of claim 24, wherein the receiving unit, Wireless loyalty earning system, characterized in that further receiving the telephone number and / or network address of the wireless terminal from the payment terminal. The method of claim 24, wherein the server, After reading the payment request message and reading predetermined customer information and / or payment means information, matching the customer information and / or payment means information of the customer owning the wireless terminal with the telephone number and / or network address of the wireless terminal. And a extraction unit for extracting a telephone number and / or a network address of the wireless terminal matching the read customer information and / or payment means information in association with a predetermined storage medium to be stored. Earning system. The method of claim 24, wherein the server, Read the payment request message transmitted from the payment terminal to read predetermined customer information and / or payment means information, and then wirelessly match with the read customer information and / or payment means information in conjunction with a mobile communication company server. Wireless loyalty earning system, characterized in that further comprising a confirmation unit for confirming the phone number and / or network address of the terminal. The server of claim 24, wherein the server is Wireless loyalty earning system, characterized in that it comprises at least one or more mobile communication server server and / or IC chip issuer server and / or card company server and / or financial company server mounted on or detached from the wireless terminal. The method of claim 24, wherein the near field communication means, Infrared communication means, UWB (Ultra Wide Band) communication means, RF (Radio Frequency) communication means, Bluetooth communication means, wireless LAN communication means, Wi-Fi communication means, Wi-bro communication means, Wireless loyalty earning system, characterized in that comprises at least one Wi-Max communication means. The system of claim 24, wherein the payment network is Wireless royalties comprising a Value Added Network (VAN) connecting the payment terminal and the server for a payment transaction corresponding to a predetermined payment means included in the IC chip mounted on the wireless terminal. Earning system. The system of claim 24, wherein the payment network is Including a high-speed Internet network including at least one of the ADSL and / or VDSL and / or cable communication to which the payment terminal is connected for payment transactions corresponding to a predetermined payment means provided in the IC chip mounted on the wireless terminal; Wireless loyalty earning system, characterized in that made. The system of claim 24, wherein the payment network is Wireless loyalty earning system, characterized in that it comprises at least one or more mobile communication network and / or wireless data communication network and / or wireless LAN and / or portable Internet network to which the wireless terminal is connected. The method of claim 24, wherein the royalty information, Wireless loyalty earning system, characterized in that it comprises at least one or more points and / or mileage and / or reserves and / or coupons that the server gives to the wireless terminal user in response to the payment amount . An IC chip having at least one payment means is mounted or demounted, and is provided with a wireless terminal having predetermined short range wireless communication means for payment processing using a payment means provided in the IC chip, and through the short range wireless communication. In the wireless terminal earning method, characterized in that it comprises a payment terminal connected to the wireless terminal, and a server connected to the payment terminal through a predetermined payment network, Receiving payment means information from the wireless terminal through the short-range wireless communication means at the payment terminal in the payment processing using the wireless terminal; Generating predetermined royalty information based on the payment means information and a predetermined payment amount received by the payment terminal; Generating, by the payment terminal, a payment request message including the received payment means information and a predetermined payment amount, and transmitting the generated payment request message and the generated royalty information to the server through the payment network; ; Reading the payment request message from the server to determine whether the payment is approved, and when the payment is approved, generating royalty information transmitted by the payment terminal into a predetermined royalty applet that can be mounted on an IC chip provided in the wireless terminal; Transmitting the generated royalty applet to the wireless terminal at the server; And And mounting and / or storing and / or updating the loyalty applet on the IC chip provided in the wireless terminal in the wireless terminal. 46. The method of claim 45, wherein the receiving terminal receives predetermined payment means information from the wireless terminal through the short range wireless communication means. And receiving predetermined wireless terminal information from the wireless terminal through the short range wireless communication means at the payment terminal. 46. The apparatus of claim 45, wherein the payment terminal generates a payment request message including the received payment means information and a predetermined payment amount, and then generates the generated payment request message and the generated royalty information through the payment network. The step of transmitting to the server, When the payment terminal receives predetermined wireless terminal information from the wireless terminal through the short-range wireless communication means, transmitting the received wireless terminal information from the payment terminal to the server through the payment network; Wireless loyalty earning method, characterized in that made. The method of claim 45, Reading predetermined payment information and / or payment means information by reading the payment request message in the server; And And reading wireless terminal information linked to the read customer information and / or payment means information from a predetermined storage medium storing the customer information in the server. . The method of claim 45, Reading predetermined payment information and / or payment means information by reading the payment request message in the server; And And confirming wireless terminal information corresponding to the read customer information and / or payment means information in connection with the mobile communication company server in the server. 46. The method of claim 45, wherein after determining the payment approval by reading the full text of the payment request in the server, and extracting or generating predetermined royalty information corresponding to the payment amount when the payment is approved, Storing, at the server, the royalty information on a storage medium on a network; Determining whether the server transmits the royalty information to the wireless terminal; And extracting the royalty information from the storage medium when the royalty information is transmitted to the wireless terminal as a result of the determination. 46. The method of claim 45, wherein transmitting the generated royalty applet from the server to the wireless terminal comprises: And transmitting the generated royalty applet to the wireless terminal based on the wireless terminal information from the server when the payment terminal transmits predetermined wireless terminal information corresponding to the wireless terminal. 46. The method of claim 45, wherein transmitting the generated royalty applet from the server to the wireless terminal comprises: Reading predetermined payment information and / or payment means information by reading the payment request message in the server; Reading wireless terminal information processed in association with the read customer information and / or payment means information from a predetermined storage medium storing customer information in the server; And And transmitting the generated royalty applet to the wireless terminal based on the read wireless terminal information in the server. 46. The method of claim 45, wherein transmitting the generated royalty applet from the server to the wireless terminal comprises: Reading predetermined payment information and / or payment means information by reading the payment request message in the server; And Confirming wireless terminal information corresponding to the read customer information and / or payment means information in association with a mobile communication company server in the server; And And transmitting the generated royalty applet to the wireless terminal based on the confirmed wireless terminal information in the server. The wireless terminal information according to any one of claims 45 to 53, wherein Wireless loyalty accrual method comprising at least one of telephone number information, ENUM (tElephone NUmber Mapping) information, network address information of the wireless terminal. The method of claim 45, Generating a predetermined payment request message by a payment request command including a payment amount in the payment terminal; Searching whether there is a wireless terminal that can communicate through the short range wireless communication means in the payment terminal; And And transmitting the payment request message to the wireless terminal through the short range wireless communication means in the payment terminal if the wireless terminal exists as a result of the search. The method of claim 45, If the personal identification number input when the payment mode is selected in the wireless terminal coincides with the number previously stored in the IC chip, switching to the message receiving standby state through the short range wireless communication means; Determining, at the wireless terminal, whether a payment request message is received through the short range wireless communication means; And And if the payment request message is received as a result of the determination, reading the payment means information from the IC chip in the wireless terminal and transmitting the payment means information in response to the payment request message. 59. The method of claim 56, wherein if the payment request message is received as the determination result, the wireless terminal reads payment means information from the IC chip and transmits the payment means information in response to the payment request message. And transmitting, by the wireless terminal, predetermined wireless terminal information including a telephone number and / or a network address of the wireless terminal in response to the payment request message. The method of claim 45, If the personal identification number input when the payment mode is selected in the wireless terminal coincides with the number previously stored in the IC chip, searching whether there is a payment terminal that can communicate through the short range wireless communication means; And And if the payment result exists in the payment terminal, reading the predetermined payment means information from the IC chip by the wireless terminal and transmitting the predetermined payment means information to the payment terminal through the short range wireless communication means. How to earn. 59. The method of claim 58, wherein if the search result payment terminal is present, the wireless terminal reads predetermined payment means information from the IC chip and transmits the predetermined payment means information to the payment terminal through the short range wireless communication means. And transmitting, by the wireless terminal, predetermined wireless terminal information including the telephone number and / or a network address of the wireless terminal to the payment terminal. The method of claim 45, wherein the near field communication means, Infrared communication means, UWB (Ultra Wide Band) communication means, RF (Radio Frequency) communication means, Bluetooth communication means, wireless LAN communication means, Wi-Fi communication means, Wi-bro communication means, Wireless loyalty accrual method comprising at least one Wi-Max communication means. 46. The system of claim 45, wherein the payment network is Wireless royalties comprising a Value Added Network (VAN) connecting the payment terminal and the server for a payment transaction corresponding to a predetermined payment means included in the IC chip mounted on the wireless terminal. How to earn. 46. The system of claim 45, wherein the payment network is Including a high-speed Internet network including at least one of the ADSL and / or VDSL and / or cable communication to which the payment terminal is connected for payment transactions corresponding to a predetermined payment means provided in the IC chip mounted on the wireless terminal; Wireless loyalty earning method, characterized in that made. 46. The system of claim 45, wherein the payment network is Wireless loyalty accrual method characterized in that it comprises at least one of a mobile communication network and / or a wireless data communication network and / or wireless LAN and / or a portable Internet network to which the wireless terminal is connected. The method of claim 45, wherein the royalty information, Wireless loyalty accrual method characterized in that it comprises at least one or more points and / or mileage and / or reserves and / or coupons that are granted to the wireless terminal user corresponding to the payment amount. 46. The wireless terminal of claim 45, wherein the wireless terminal is Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal Wireless loyalty accrual method comprising a portable mobile communication terminal including at least one of a personal digital assistant (PDA) and / or a smart phone (Smart Phone). 46. The wireless terminal of claim 45, wherein the wireless terminal is Wireless loyalty accrual method comprising at least one of a wireless data communication terminal and / or a portable Internet terminal. 46. The server of claim 45, wherein the server is Wireless loyalty accrual method comprising at least one of a mobile communication company server and / or an IC chip issuing agency server and / or card company server and / or financial company server mounted on or detached from the wireless terminal. A wireless terminal for providing payment means information provided in the IC chip to a payment terminal using a predetermined short range wireless communication during a payment processing; A payment terminal for generating a payment request message including payment means information provided by the wireless terminal and a predetermined payment amount, and transmitting the generated payment request message to a server through a predetermined payment network; And In the payment processing system comprising a; server for processing the payment approval after determining the payment approval by reading the payment request full text, The payment terminal, Extracting or generating predetermined royalty information corresponding to the payment amount, and transmitting the royalty information to the server; The server, After generating the royalty information transmitted by the payment terminal to a predetermined loyalty applet that can be mounted on the IC chip provided in the wireless terminal, and transmits the generated royalty applet to the wireless terminal, The wireless terminal, Wireless loyalty earning system generated during payment processing, characterized in that the loyalty applet transmitted from the server is mounted and / or stored and / or updated in the IC chip provided in the wireless terminal. 69. The method of claim 68, wherein the payment terminal, And after receiving predetermined wireless terminal information from the wireless terminal through the short range wireless communication means, transmitting the received wireless terminal information to the server through the payment network. The method of claim 68, wherein the wireless terminal, An applet receiver configured to receive a royalty applet including predetermined royalty information from the server; Wireless loyalty earning system comprising a; loyalty earning unit for mounting and / or storing and / or update the received loyalty applet on the IC chip. The method of claim 68, wherein the wireless terminal, When the near field communication means corresponds to infrared communication means based on IrFM of IrDA, And an IrFM processor for transmitting predetermined payment means information and / or telephone number and / or network address of a wireless terminal to the payment terminal according to the IrFM payment protocol. The method of claim 68, wherein the wireless terminal, When the near field communication means corresponds to the UWB communication means, And a UWB processing unit which transmits predetermined payment means information and / or telephone number and / or network address of the wireless terminal to the payment terminal device according to the UWB payment protocol. The method of claim 68, wherein the wireless terminal, When the near field communication means corresponds to the RF communication means, And a RF processing unit for transmitting predetermined payment means information and / or telephone number and / or network address of the wireless terminal to the payment terminal device according to the RF payment protocol. The method of claim 68, wherein the wireless terminal, When the near field communication means corresponds to the Bluetooth communication means, Wireless loyalty credit system further comprises a Bluetooth processor for transmitting predetermined payment means information and / or phone number and / or network address of the wireless terminal to the payment terminal device in accordance with the Bluetooth payment protocol. The method of claim 68, wherein the wireless terminal, When the short range wireless communication means corresponds to a wireless LAN communication means, Wi-Fi communication means, Wi-bro communication means, or Wi-Max communication means, Further comprising a wireless LAN processing unit for transmitting predetermined payment means information and / or phone number and / or network address of the wireless terminal to the payment terminal according to the wireless LAN or Wi-Fi or Wi-bro or Wi-Max payment protocol Wireless loyalty earning system, characterized in that made. The method of claim 68, wherein the wireless terminal, Receiving a royalty applet including predetermined royalty information from the server; And Wireless royalties comprising a recording medium for recording a predetermined program for realizing a function of mounting and / or storing and / or updating and storing the received royalty applet on the IC chip. Earning system. 69. The wireless terminal of claim 68, wherein the wireless terminal is Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal Wireless loyalty earning system comprising a portable mobile communication terminal including at least one of a personal digital assistant (PDA) and / or a smart phone. 69. The wireless terminal of claim 68, wherein the wireless terminal is Wireless loyalty earning system, characterized in that it comprises at least one or more wireless data communication terminal and / or portable Internet terminal. The method of claim 68, wherein the server, Receiving unit for receiving the payment request information and royalty information transmitted from the payment terminal; Upon approving the payment result of the payment request specialist, the applet generation unit including the received royalty information and generating a predetermined royalty applet mounted and / or stored and / or updated on the IC chip provided in the wireless terminal ; Wireless loyalty earning system comprising a; applet transmitter for transmitting the generated royalty applet to the wireless terminal. The method of claim 68, wherein the receiving unit, Wireless loyalty earning system, characterized in that further receiving the telephone number and / or network address of the wireless terminal from the payment terminal. The method of claim 68, wherein the server, After reading the payment request message and reading predetermined customer information and / or payment means information, matching the customer information and / or payment means information of the customer owning the wireless terminal with the telephone number and / or network address of the wireless terminal. And a extraction unit for extracting a telephone number and / or a network address of the wireless terminal matching the read customer information and / or payment means information in association with a predetermined storage medium to be stored. Earning system. The method of claim 68, wherein the server, Read the payment request message transmitted from the payment terminal to read predetermined customer information and / or payment means information, and then wirelessly match with the read customer information and / or payment means information in conjunction with a mobile communication company server. Wireless loyalty earning system, characterized in that further comprising a confirmation unit for confirming the phone number and / or network address of the terminal. 69. The server of claim 68, wherein the server is Wireless loyalty earning system, characterized in that it comprises at least one or more mobile communication server server and / or IC chip issuer server and / or card company server and / or financial company server mounted on or detached from the wireless terminal. The method of claim 68, wherein the near field communication means, Infrared communication means, UWB (Ultra Wide Band) communication means, RF (Radio Frequency) communication means, Bluetooth communication means, wireless LAN communication means, Wi-Fi communication means, Wi-bro communication means, Wireless loyalty earning system, characterized in that comprises at least one Wi-Max communication means. 69. The system of claim 68, wherein the payment network is Wireless royalties comprising a Value Added Network (VAN) connecting the payment terminal and the server for a payment transaction corresponding to a predetermined payment means included in the IC chip mounted on the wireless terminal. Earning system. 69. The system of claim 68, wherein the payment network is Including a high-speed Internet network including at least one of the ADSL and / or VDSL and / or cable communication to which the payment terminal is connected for payment transactions corresponding to a predetermined payment means provided in the IC chip mounted on the wireless terminal; Wireless loyalty earning system, characterized in that made. 69. The system of claim 68, wherein the payment network is Wireless loyalty earning system, characterized in that it comprises at least one or more mobile communication network and / or wireless data communication network and / or wireless LAN and / or portable Internet network to which the wireless terminal is connected. The method of claim 68, wherein the royalty information, Wireless loyalty earning system, characterized in that it comprises at least one or more points and / or mileage and / or reserves and / or coupons that the server grants to the wireless terminal user in response to the payment amount . When processing payment using a wireless terminal, A function of receiving a payment request message transmitted from a predetermined payment terminal; A function of generating predetermined royalty information corresponding to the payment amount upon approval of a read result of the payment request specialist; A function of generating a predetermined royalty applet including the royalty information and mounted and / or stored and / or updated in an IC chip provided in the wireless terminal; And And a predetermined program for realizing the function of transmitting the generated royalty applet to the wireless terminal. 90. The system of claim 89, wherein the program comprises: And a function of receiving a telephone number and / or a network address of the wireless terminal from the payment terminal. 90. The system of claim 89, wherein the program comprises: After reading the payment request message and reading predetermined customer information and / or payment means information, matching the customer information and / or payment means information of the customer owning the wireless terminal with the telephone number and / or network address of the wireless terminal. And extracting a telephone number and / or a network address of the wireless terminal matched with the read customer information and / or payment means information in association with a predetermined storage medium to be stored. 90. The system of claim 89, wherein the program comprises: Read the payment request message transmitted from the payment terminal to read predetermined customer information and / or payment means information, and then wirelessly match with the read customer information and / or payment means information in conjunction with a mobile communication company server. A recording medium, characterized by further realizing a function of identifying a telephone number and / or a network address of a terminal. 90. The apparatus of claim 89, wherein the recording medium is And a IC chip issuer server and / or a card company server and / or a financial company server mounted on or detached from a mobile communication company server and / or the wireless terminal. When processing payment using a wireless terminal, A function of receiving payment request text and royalty information transmitted from a predetermined payment terminal; A function of generating a predetermined royalty applet that includes the received royalty information and is mounted on and / or stored and / or updated on an IC chip provided in the wireless terminal upon approval of a payment result of the payment request specialist; And And a predetermined program for realizing the function of transmitting the generated royalty applet to the wireless terminal. 95. The method of claim 94, wherein the program comprises: And a function of receiving a telephone number and / or a network address of the wireless terminal from the payment terminal. 95. The method of claim 94, wherein the program comprises: After reading the payment request message and reading predetermined customer information and / or payment means information, matching the customer information and / or payment means information of the customer owning the wireless terminal with the telephone number and / or network address of the wireless terminal. And extracting a telephone number and / or a network address of the wireless terminal matching the read customer information and / or payment means information in association with a predetermined storage medium to be stored. . 95. The method of claim 94, wherein the program comprises: Read the payment request message transmitted from the payment terminal to read predetermined customer information and / or payment means information, and then wirelessly match with the read customer information and / or payment means information in conjunction with a mobile communication company server. A recording medium, characterized by further realizing a function of identifying a telephone number and / or a network address of a terminal. 95. The apparatus of claim 94, wherein the recording medium is And a IC chip issuer server and / or a card company server and / or a financial company server mounted on or detached from a mobile communication company server and / or the wireless terminal.

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