KR20080103952A - System for processing mobile payment by using rfid tag information - Google Patents

Abstract

A wireless payment processing system using RFID tag information is provided to reduce inconvenience such as replacing a payment unit even though a mobile terminal equipping the payment unit is lost and a mobile communication provider is changed. A storage unit(115) stores and interconnects a payment unit information and RFID tag information. After receiving the RFID tag information through a mobile terminal, a user confirms payment unit information which is interconnected with the RFID tag information received from the storage unit. A server processes the payment of a mobile terminal by using the confirmed payment unit information. The RFID tag information was encoded and processed by a encryption key in the server or the mobile terminal.

Description

Wireless payment processing system using RFID tag information {System for Processing Mobile Payment by Using RFID Tag Information}

1 is a simplified diagram of a wireless payment system and method using a payment method linked wireless ID tag according to a preferred embodiment of the present invention.

Figure 2 illustrates a card manufacturing system with a payment method associated wireless ID tag in accordance with a preferred embodiment of the present invention.

Figure 3 shows a card manufacturing and issuing system with a payment method associated wireless ID tag according to a preferred embodiment of the present invention.

Figure 4 shows the internal structure of a payment means linked wireless ID tag produced by a wireless ID tag manufacturing organization of a card issuing system according to a preferred embodiment of the present invention.

5 illustrates a memory unit of a payment method associated wireless ID tag according to a preferred embodiment of the present invention.

6 is a simplified diagram of an internal configuration of a wireless terminal according to a preferred embodiment of the present invention.

7 is a diagram illustrating a function of a wireless terminal for extracting and reading payment means-associated tag information from a payment method-associated wireless ID tag and transmitting it to a server for payment processing.

8 is a simplified diagram of a wireless payment processing system using payment method-associated tag information according to a preferred embodiment of the present invention.

9 is a simplified diagram of a wireless payment processing system using payment method-associated tag information according to a preferred embodiment of the present invention.

10 is a simplified embodiment of a wireless payment system according to a preferred embodiment of the present invention.

11 is an exemplary view of a payment screen according to a preferred embodiment of the present invention.

12 is an embodiment of a wireless payment method according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: payment method associated wireless ID tag 105: wireless terminal

110: card issuing system 115: server and payment system

The present invention relates to a storage medium for linking and storing payment means information and RFID tag information, and during a mobile phone payment process, after receiving RFID tag information through a user's mobile phone, processing associated with the received RFID tag information from the storage medium. The present invention relates to a wireless payment processing system using RFID tag information including a server for checking the payment means information and processing the payment of the mobile phone using the confirmed payment means information.

The wireless payment system includes an integrated circuit (IC) chip (e.g., a subscriber identity module (SIM), a universal identification module (UIM), a universal subscriber identity module (USIM), etc.) mounted on or detached from a wireless terminal. A credit card, debit card, check card, prepaid card, electronic wallet, financial common network, etc.) is provided on the IC chip. Payment is to be processed using a payment method.

The existing wireless payment system allows the wireless terminal to perform a series of payment processes performed by the existing IC card, and in the process, an additional interface (eg, an interface using IrFM (Infrared Financial Messaging) of the Infrared Data Association (IrDA)). ) Is provided.

However, the existing wireless payment system as described above, since the payment means is provided in the IC chip that is mounted or detached from the wireless terminal, the payment means can not be freely selected from the customer's point of view, if the wireless terminal is lost or stolen The provided IC chip is also lost, and when the mobile communication service provider issues the IC chip, the IC chip also needs to be replaced when the customer changes the mobile communication service provider.

An object of the present invention for solving the above problems is a storage medium for linking and storing payment means information and RFID tag information, and during the mobile phone payment processing, after receiving the RFID tag information through the user's mobile phone, the storage medium from the storage medium The present invention provides a wireless payment processing system using RFID tag information including a server for checking payment means information linked to received RFID tag information and processing payment of the mobile phone using the identified payment means information.

In the wireless payment processing system using the RFID tag information according to the present invention, a storage medium for linking and storing payment means information and RFID tag information, and during the mobile phone payment processing, after receiving the RFID tag information through the user's mobile phone, And a server for confirming payment means information linked to the received RFID tag information from a storage medium and processing payment of the mobile phone using the confirmed payment means information.

According to the present invention, the RFID tag information is characterized in that the encryption process by a predetermined encryption key provided to correspond to the decryption key decrypted by the server or mobile phone.

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.

According to a preferred embodiment of the present invention, the drawings shown below and the following description, in order to effectively explain the features of the present invention, an IC card equipped with an IC chip as a preferred card to which a payment method linked wireless ID tag is attached The preferred payment method-associated tag information stored in the payment method-associated wireless ID tag is double-encrypted for validity authentication in a wireless terminal and validity authentication in a server. use.

However, as described above, the preferred method of the present invention is applied to the MS card in addition to the IC card, and the payment method associated wireless ID tag stored in the payment method associated wireless ID tag is encrypted only once (for example, decrypted by the server). May be encrypted or not encrypted, and the payment system to which the present invention is applied includes all kinds of wired and / or wireless payment systems that can use a wireless terminal as a payment means.

1 is a simplified diagram of a wireless payment system and method using a payment method associated wireless ID tag 100 according to a preferred embodiment of the present invention.

Referring to FIG. 1, a wireless payment system using a payment method associated wireless ID tag 100 issues a card to which a payment method linked wireless ID tag 100 is attached and is provided with at least one payment method to a customer. A card manufacturing and issuing system including at least one payment means provided in the card and payment means linked tag information stored in the payment means linked wireless ID tag 100 on a storage medium on a network; Extracting the payment means linked tag information from the payment method linked wireless ID tag 100 attached to the card issued to the customer through the 105, and payment of the payment means linked to the payment means linked tag information And a wireless payment processing system 115 for processing payment using means information.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a card manufacturing and issuing system is provided in a card issuing system 110 and a card issued to a customer through the card issuing system 110 and a card issued to the customer. Payment means and a storage medium for storing the payment means associated tag information processed in association with the payment means.

The process of issuing a card to which a payment method linked wireless ID tag 100 is attached to a customer through the preferred card manufacturing and issuing system as described above may be performed by the card issuing system 110. A card with a wireless ID tag 100 is produced, the card is issued to a customer, and the card issuing agency on the card issuing system 110 and / or the customer who issued the card is stored in the storage medium on the network. The payment means associated tag information stored in the attached payment means associated wireless ID tag 100, and the payment means information associated with the payment means linked tag information is stored through a process on a network on the network, the preferred The process is described in FIG.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a wireless payment processing system stores at least one payment means and payment means linked tag information associated with the payment means through the card manufacturing and issuing system. The linked wireless ID tag 100 is attached to a card issued to a customer, and the payment means linked tag information is extracted and read from the payment method linked wireless ID tag 100 attached to the card to the server 115. Search the wireless terminal 105 for transmitting, the payment method linked tag information received from the wireless terminal 105 and the corresponding payment method linked tag information stored in the storage medium, and the payment means associated with the customer It is determined by the payment means, and the server for processing the payment through the payment means information of the payment means.

In the process of wireless payment processing through the preferred wireless payment processing system as described above, the wireless terminal 105 extracts payment method linked tag information from the payment method linked wireless ID tag 100 attached to a card owned by the customer. The server 115 that reads, transmits the payment method-associated tag information to the server 115 to request payment processing, and receives the payment method-associated tag information from the wireless terminal 105. Search for tag information and payment method-associated tag information stored in the storage medium, and when the payment method-associated tag information matching the payment method-associated tag information is searched for in the storage medium, Determine a payment method linked and stored as a customer's payment method, and extracts payment method information of the payment method to process payment It made it.

Figure 2 shows a card manufacturing system with a payment means associated wireless ID tag 100 in accordance with a preferred embodiment of the present invention.

In particular, Figure 2 is a card manufacturing system for an IC card (or smart card) equipped with an IC chip, a payment method linked wireless ID tag 100 is stored in the card manufacturing method associated card information Thereafter, the card issuing institution is provided with the payment means information of the payment means associated with the payment means associated tag information of the payment means provided on the card, and the payment means linked tag information on the storage medium on the network. .

Referring to FIG. 2, the card issuing system 110 is composed of an IC chip manufacturing organization 200, a card manufacturing organization 205, a card issuing organization 210, a wireless ID tag manufacturing organization 215, and the like.

The IC chip manufacturing organization 200 develops a COS (Chip Operating System) mounted on an IC chip as an IC chip manufacturer, stores the COS in a mask ROM, and processes a processor (through a wafer manufacturing process). For example, an IC chip including a CPU, an MPU) and a memory (ROM, RAM, and EEPROM / FM) may be fabricated. The IC chip may not be provided with a card application other than a COS and a basic system file. Do.

The card manufacturing organization 205 is a physical card maker, and forms contact points for communicating with the card terminal device through a die bonding in which the IC chip manufactured as described above is mounted in a module and a wire bonding process for wiring wires. And a plastic card in the form of a credit card. According to the present invention, the card manufacturing institution 205 is manufactured by a wireless ID tag manufacturing institution 215 together with the IC chip in the process of manufacturing a plastic card. A payment method associated wireless ID tag 100 is included in the plastic card.

The card issuing agency 210 is an institution for issuing a card to which a payment method linked wireless ID tag 100 is attached to a customer and is a subject of a service using the card. For example, a credit card company, a mobile communication company (for example, an IC chip mounted on or detached from the wireless terminal 105), a financial institution, and the like correspond to the representative card issuer 210.

According to the present invention, the card issuing agency 210 is a subject for providing a wireless payment service using the payment means linked tag information stored in the payment method linked wireless ID tag 100 proposed by the present invention. The card initialization and personalization process of issuing at least one or more payment means and various card applications provided to the IC chip is performed.

According to a preferred embodiment of the present invention, it is preferable that the card issuing agency 210 determines and / or generates payment means linked tag information to be stored in the payment means linked wireless ID tag 100 attached to the card. .

According to another exemplary embodiment of the present invention, the payment method associated tag information to be stored in the payment method linked wireless ID tag 100 attached to the card is determined and / or generated by the wireless ID tag manufacturing institution 215. In this case, however, the wireless ID tag manufacturing organization 215 provides the card issuer 210 with the payment method associated tag information stored in the payment method associated wireless ID tag 100.

The wireless ID tag manufacturing organization 215 is an organization for manufacturing the payment method linked wireless ID tag 100, and wirelessly stores payment method linked tag information in a memory unit at the request of the card issuer 210. It is characterized in that the ID tag 100 is produced and provided to the card manufacturing organization 205, wherein the wireless ID tag 100 is attached to a specific card, at least one payment means of the payment means provided on the card When the payment method associated tag information is stored in a storage medium on a network, the wireless ID tag 100 produced by the wireless ID tag manufacturing organization 215 is connected to the payment method associated wireless ID. Tag 100. The preferred payment means linked wireless ID tag 100 produced by the wireless ID tag manufacturing organization 215 and the preferred payment means linked tag information stored in the tag will be described with reference to FIGS. 3 and 4.

Referring to Figure 2 according to a preferred embodiment of the present invention, the card manufacturing method with the payment method associated wireless ID tag 100 is attached, IC chip manufacturing organization 200 IC chip equipped with COS and basic system files To provide the card manufacturing organization 205 before the card production agency 205 before the card production agency, the card issuing agency 210 and / or wireless ID tag manufacturing agency 215 is linked to the payment means to be attached to the card Determine and / or generate a payment means interlock code to be stored in the wireless ID tag 100, and generates payment method linked tag information including the payment means interlock code.

According to the present invention, the payment means interlocking codes included in the payment means linked tag information generated by the card issuing agency 210 and / or the wireless ID tag manufacturing institution 215 satisfies the wireless ID related standard and are not duplicated with each other. It does not consist of unique code.

According to a preferred embodiment of the present invention, in the process of generating payment means linked tag information including the payment means interlocking code, the payment means linked tag information is encrypted so that the card issuer 210 can decrypt It is preferable to be.

When the payment means-associated tag information is generated as described above, the payment method-associated tag information is provided to the wireless ID tag manufacturing institution 215, and the wireless ID tag manufacturing institution 215 stores the payment method-associated tag information. The payment method associated wireless ID tag 100 provided in the memory unit is manufactured, and the payment method linked wireless ID tag 100 prepared as described above is provided to the card manufacturing organization 205.

The card manufacturing organization 205 manufactures a card including both the IC chip provided from the IC chip manufacturing organization 200 and the wireless ID tag 100 provided from the wireless ID tag manufacturing organization 215. One card is provided to the card issuing institution 210.

The card issuing agency 210 issues at least one payment means and various card applications to the IC chip provided in the card provided from the card manufacturing institution 205, and the corresponding card among the at least one payment means issued to the card. The payment means attached to the payment means wireless ID tag 100 attached to the payment means associated with the tag information stored in the payment means is determined.

Referring to FIG. 2, when a payment means that is processed in association with payment means associated tag information stored in the payment means wireless ID tag 100 attached to the card as described above is determined, the card issuer determines the payment means information of the payment means. And a payment method association tag attached card through a process of linking and processing the payment means association tag information stored in the payment method association wireless ID tag 100 attached to the corresponding card and storing it in a storage medium on the network. .

3 illustrates a card manufacturing and issuing system to which a payment method associated wireless ID tag 100 is attached according to a preferred embodiment of the present invention.

In particular, Figure 3 is a preferred case of encrypting payment method linked tag information before the card manufacturing step to which the payment method linked wireless ID tag 100 of FIG. 2 is attached, and after the card is issued to a customer, the card issuing institution And / or payment means associated tag information stored in the payment means linked wireless ID tag 100 directly attached to the card by the customer, and payment means information of the payment means linked to the payment means linked tag information on the network. The case is provided in a storage medium.

According to a preferred embodiment of the present invention, before or after the payment means linked tag information to be stored in the payment method linked wireless ID tag 100 on the card issuing system is determined and / or generated (not shown), Information for encrypting payment means-associated tag information is provided to the card issuing organization 210 of the card issuing system 110. Referring to FIG. 3, the information for encrypting payment method-associated tag information is the card issuing institution. 210 directly generates an encryption key, customer 300 provides customer information for encryption, wireless terminal manufacturer 305 provides wireless terminal information for encryption, and / or mobile carrier 310 ) Is performed through a process of providing customer information for encryption and / or IC chip information mounted on or detached from the wireless terminal 105.

When the information for encryption is provided to the card issuing system 110 as described above, the card issuing authority 210 of the card issuing system 110 is the payment means linked tag information including the payment means interlocking code for the encryption Encrypt using information.

According to a preferred embodiment of the present invention, in the process of encrypting the payment means linked tag information, the card issuing organization 210 of the card issuing system 110 is the card issuing organization 210 to the card issuing association tag information ) Is directly encrypted using the encryption key, customer information, wireless terminal information, or IC chip information mounted on or detached from the wireless terminal 105, the payment encrypted by the encryption key generated by the card issuer 210 The means-associated tag information is preferably decrypted by a server, and the payment means-associated tag information encrypted by the customer information, the wireless terminal information, or the IC chip information mounted on or detached from the wireless terminal 105 may be a wireless terminal ( Preferably decoded at 105).

According to another exemplary embodiment of the present invention, when the payment means associated tag information encrypted through the customer information is decrypted in the wireless terminal 105, the decryption key is manually decrypted by the customer through the wireless terminal 105. And the case of automatically decoding after storing in the memory unit provided in the wireless terminal 105, and the like.

In addition, according to another embodiment of the present invention, the payment means associated tag information encrypted by the wireless terminal information or IC chip information mounted on or detached from the wireless terminal 105 is provided in the mobile communication company 310. It may be decrypted by at least one or more servers and / or devices. In this case, the mobile communication company 310 may perform a role of authenticating the payment means-associated tag information.

As described above, the payment means linked tag information is generated, and the card issuing system 110 produces a card to which the payment means linked wireless ID tag 100 in which the payment means linked tag information is stored as shown in FIG. The card is issued to the customer 300.

After the card with the payment method linked wireless ID tag 100 is issued to the customer 300 as described above, the card issuing organization 210 of the card issuing system 110 and / or the customer who issued the card ( 300 is a payment means associated tag information stored in the payment means associated wireless ID tag 100 attached to the card to the storage medium 115 on the network and payment means associated with the payment means associated tag information Store the means information.

Figure 4 shows the internal configuration of the payment means associated wireless ID tag 100 produced in the wireless ID tag manufacturing organization 215 of the card issuing system 110 in accordance with a preferred embodiment of the present invention.

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

Referring to FIG. 4, the payment method associated wireless ID tag 100 includes a control unit, a memory unit, an antenna unit, a power supply unit, and the like. In some cases, the antenna unit may be provided outside the wireless ID tag 100. The power supply unit may be omitted, and may be provided through an electromagnetic inductive coupling through the antenna unit.

The control unit 400 of the payment method associated wireless ID tag 100 is connected to a payment method associated with the antenna unit of the payment method linked wireless ID tag 100 through an antenna provided in the wireless ID reader and / or the terminal device. Controls a process of inputting and outputting payment means-associated tag information included in the memory unit 405 and transmitting the input / output payment means-associated tag information provided to and received from the antenna unit 410 in response to a tag information transmission request signal. And management functions.

The memory unit 405 of the payment means-associated wireless ID tag 100 is a payment means to be transmitted to the wireless ID reader and / or the terminal device according to the payment means-associated tag information transmission request signal transmitted and received through the antenna unit 410. As a memory for storing associated wireless ID tag 100 information, referring to FIG. 4, the memory unit 405 includes a service header 420, a service identifier 425, execution data 430, and an error detection code. Detecting Code (EDC) 435 or the like.

The service header 420 of the memory unit 405 stores header information on a service provided by the payment method-associated wireless ID tag 100, and the service identifier 425 is a payment method-associated wireless ID tag 100. Stores an identification code required to identify a service provided by the user, the execution data 430 stores a payment method linkage code, and the EDC 435 checks whether an error is issued to the information stored in the memory unit 405. The detection code is stored.

According to a preferred embodiment of the present invention, the payment means associated tag information is preferably a payment means interlocking code stored in the execution data area of the memory unit 405, and the payment means interlocking code is preferably encrypted.

According to another exemplary embodiment of the present invention, the payment method associated tag information may further include a service header 420, a service identifier 425, and / or an EDC 435 in addition to the execution data 430 of the memory unit 405. It is possible to include.

Figure 5 shows a memory unit of the payment method associated wireless ID tag 100 in accordance with a preferred embodiment of the present invention.

In particular, FIG. 5 illustrates a preferred case in which payment means-associated tag information is first encrypted with an encryption key generated by the card issuer 210 and secondly encrypted with wireless terminal information or customer information as an encryption key. Those of ordinary skill in the art, payment method-associated wireless ID including the primary encrypted payment method associated tag information, or non-encrypted payment method linked tag information, based on this Figure 5 The memory portion 405 of the tag 100 may be understood relatively easily.

According to a preferred embodiment of the present invention, in the payment means linked wireless ID tag 100, the payment means linked code associated with the payment means issuing card 210 and / or wireless ID tag manufacturing organization 215, etc. Determined and / or generated by the payment method linkage code includes a unique feature that does not overlap.

For example, the payment means linkage code is a set of non-overlapping letters, numbers, or binary data, and the size (or length) of the payment means linkage code is a service header (not shown) in the memory unit 405 provided in the payment method association type wireless ID tag 100. 420, service identifier 425, and EDC 435.

Referring to FIG. 5, the payment means interlocking code is first encrypted using an encryption key generated by the card issuing agency 210, and the first encrypted payment means interlocking code is decrypted by a server on a wireless payment processing system. Preferably, according to the payment means associated tag information stored in the storage medium 115 on the network to decrypt the primary encryption payment means linked code through the payment means interlocking code and the encryption key generated by the card issuing agency 210. The decryption key is included and stored.

In addition, referring to FIG. 5, the EDC 435 provided in the memory unit 405 of the payment means-associated wireless ID tag 100 corresponds to the EDC 435 for the primary encrypted payment method linkage code as described above. . That is, the EDC 435 is an EDC 435 for the payment means interworking code which is first encrypted with the service header 420, the service identifier 425, and the encryption key generated by the card issuer 210, as shown in FIG. In the secondary encrypted payment means linkage code, in addition to the wireless ID extraction unit provided in the wireless terminal 105 according to the present invention, another wireless ID reading device (for example, a general wireless ID reading device) is connected to the payment means linked wireless ID. When attempting to extract the wireless ID tag information from the tag 100, an intentional error occurs to provide excellent security that the payment method linked tag information is not detected.

Of course, in the case where primary encryption is performed without secondary encryption as shown in FIG. 5, the EDC 435 is an EDC 435 for an unencrypted payment means linkage code. In this case, the wireless terminal 105 of the present invention is also proposed. In addition to the wireless ID extracting unit provided in the wireless ID reading device, the intentional error occurs to provide security that the payment means associated tag information is not detected. If the payment means linking code is not encrypted, an intentional error is included in the EDC 435 by a contract between the card issuer 210 and the wireless terminal manufacturer 305, and only the wireless terminal 105 By extracting only from the wireless ID extraction unit provided in the), it is possible to provide payment information associated tag information with excellent security. As described above, the function of the wireless terminal 105 including an intentional error in the EDC 435 of the payment method associated wireless ID tag 100 and extracted only by the wireless ID extracting unit provided in the wireless terminal 105 It demonstrates in FIG.

Referring to FIG. 5, the primary encrypted payment means linkage code may include wireless terminal information (eg, IC chip information mounted or detached from a wireless terminal 105 provided by a mobile carrier), or customer information (eg, provided by a customer). Secondary encryption using the customer information, or customer information provided on the IC chip mounted on or detached from the wireless terminal 105), as described above, the secondary encrypted payment means interlocking code in the customer's wireless terminal 105 Preferably, the wireless terminal 105 is provided with a decryption key for decrypting the secondary encrypted payment means linkage code, or means for inputting a decryption key.

According to a preferred embodiment of the present invention, the service header 420 and / or the service identifier 425 of the memory unit 405 included in the payment method associated wireless ID tag 100 may be a wireless ID tag manufacturing institution 215. Is determined and / or generated, or a wireless ID management authority (not shown) or the like is determined and / or generated and provided to the wireless ID tag manufacturing organization 215.

However, the EDC 435 may include a service header 420, a service identifier 425, and / or a secondary encrypted payment means association code provided in the memory unit 405 of the specific payment means associated wireless ID tag 100. The wireless ID tag manufacturing organization 215 calculates and determines on the basis of the description.

Referring to Figure 5 according to a preferred embodiment of the present invention, the payment means associated tag information stored in the payment means linked wireless ID tag 100 is first encrypted with an encryption key generated by the card issuer 210, wireless The payment means interlocking code, which is secondly encrypted with terminal information or customer information, is preferable.

According to another exemplary embodiment of the present invention, the payment method associated tag information stored in the payment method linked wireless ID tag 100 may include a service header 420, a service identifier 425, and the second encrypted payment method linked code. It is possible to include an EDC 435.

Referring to FIG. 5, a portion of the service identifier 425 and / or the execution data area included in the memory unit 405 of the payment method associated wireless ID tag 100 is provided with an encryption discrimination code. For example, the encryption determination code is made of 2 bits, the binary "00" is the case that the payment means linkage code is not encrypted, "01" is the case where the primary encryption to be decrypted in the wireless terminal 105, "10" is It is a case where it is first encrypted so that it may be decrypted by a server, and "11" corresponds to a case where it is first decrypted by the wireless terminal 105 and encrypted by second decryption by the server. Of course, if it is decrypted by a mobile communication company other than the wireless terminal 105 and the server, the encryption discrimination code can be set to a value of 3bit or more, the contract between the wireless terminal manufacturer 305 and the card issuing agency 210 It is possible to include or omit by.

6 is a simplified diagram of the internal configuration of the wireless terminal 105 according to the preferred embodiment of the present invention.

Referring to FIG. 6, the wireless terminal 105 basically includes a control unit 600, a key input unit 645, a screen output unit 650, a wireless processing unit 660, a voice processing unit 665, and a memory unit 630. And a wireless ID extracting unit 670 and a battery 680 for supplying power. An IC chip (for example, a subscriber identity module (SIM), a universal identification module (UIM), and a USIM (Universal)) may be included in the wireless terminal 105. Subscriber Identity Module, etc.) 675, an IC chip interface 655 for communicating APDU (Application Protocol Data Unit) between the IC chip 675 and the wireless terminal 105 is provided. According to a preferred method of the control unit 600 for wireless payment processing by using the payment means associated tag information extracted through the wireless ID extraction unit 670 from the card with the payment means associated wireless ID tag 100 attached to the control unit 600. ) Tag information reading unit 620, tag information authentication unit 615, password When the reader 625, the input unit 605, the payment processing unit 610, etc. are provided, and the payment unit-associated tag information is encrypted in the memory unit 630 to be decrypted by the wireless terminal 105, the payment is performed. When the decryption key 635 for decrypting the means-associated tag information or the payment means-associated tag information is authenticated through a PIN, the PIN-based tag information stored by linking the payment means-associated tag information with a predetermined PIN ( 640 and the like.

The control unit 600 is a generic term for an operating system, a terminal control management program, and a wireless terminal agent program that are booted and / or loaded after being booted and / or booted. It controls and manages the overall operation. That is, all functions and / or tasks performed through the wireless terminal 105 are performed through the control unit 600, which is configured to perform at least one or more function performing units (eg, provided in the wireless terminal 105). , At least one function and / or task in conjunction with a screen output unit, a key input unit, a wireless processing unit, and / or a voice processing unit).

Referring to FIG. 6, the controller 600 reads payment means-associated tag information extracted from the payment method-associated wireless ID tag 100 attached to the card of the customer through the wireless ID extracting unit 670. And an information reading unit 620 and a tag information authentication unit 615 for authenticating the validity of the payment means-associated tag information.

According to a preferred embodiment of the present invention, the payment means associated tag information is stored in the wireless ID tag 100 for storing predetermined payment means associated tag information registered in a storage medium on the network to be processed in association with payment means information. When the payment method linked tag information is associated with a predetermined PIN, the input unit 605 for receiving the PIN, PIN-based tag information 640 for storing the payment method linked tag information associated with the PIN, etc. The memory unit 630 is provided.

According to a preferred embodiment of the present invention, when the payment means linked tag information stored in the payment means linked wireless ID tag 100 is encrypted by the decryption encryption key in the wireless terminal 105, the memory unit A decryption unit 625 stores a decryption key 635 required for decrypting the encrypted payment means-associated tag information in 630, and decrypts payment means-associated tag information using the decryption key 635. ) And the like.

In addition, the tag information reading unit 620 reads the payment means associated tag information extracted from the wireless ID extraction unit 670, decrypts when the payment means linked tag information is encrypted, and the payment means associated tag When the validity of the information is authenticated, a payment processing unit 610 for transmitting the authenticated payment means linked tag information to a server for payment processing is provided.

The key input unit 645 includes a plurality of number keys, a character key for inputting a character, and at least one function key, and a user of a wireless terminal uses a predetermined key. When pressing the corresponding key data (Key Data) is generated and provided to the controller 600.

The screen output unit 650 receives at least one or more key data generated from the key input unit 645 and / or various information and signals extracted and / or generated during the control process of the control unit 600 to receive the input to the wireless terminal 105. It is characterized in that it serves to output on the provided screen (for example, LCD (Liquid Crystal Display)).

The radio processor 660 may process radio frequency signals transmitted and received in a radio communication section between the radio terminal 105 and the base station on the mobile communication network through radio frequency (RF).

The voice processor 665 encodes a voice signal input from the microphone and transmits the encoded audio signal to the wireless processor 660 through the controller 600, and decodes a signal received through the wireless processor 660 to control the controller. And a function of outputting as a voice signal to the speaker via 600. In particular, the voice signal input and output through the voice processor 665 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 660.

The memory unit 630 may include a predetermined program code for controlling the overall operation of the wireless terminal 105 and a space in which information and / or data input and / or outputted when an operation by the program code is performed and And / or a generic term for a storage area, typically wireless in the form of read-only memory such as read only memory (ROM) and read / write memory such as electrically erasable and programmable read only memory (EEPROM) or flash memory (FM). Characterized in that the terminal 105 is provided.

According to a preferred embodiment of the present invention, the decryption key 635 and / or PIN-based tag information 640 is preferably stored in the memory unit 630 of the wireless terminal 105.

According to another exemplary embodiment of the present invention, the decryption key 635 and / or PIN-based tag information 640 may be stored in the memory unit 630 of the IC chip 675 mounted or detached from the wireless terminal 105. It is possible to be stored. In this case, the IC chip 675 and the IC chip interface 655 for connecting the IC chip 675 and the wireless terminal 105 satisfy ISO / IEC 7816.

The wireless ID extracting unit 670 outputs a payment means linked tag information transmission request signal to the payment means linked wireless ID tag 100 attached to the card, and the payment means from the payment means linked wireless ID tag 100. It performs the function of receiving the associated tag information.

FIG. 7 is a diagram illustrating a function of the wireless terminal 105 for extracting and reading payment method-associated tag information from the payment method-associated wireless ID tag 100 and transmitting it to a server for payment processing.

In particular, in FIG. 7, the payment method-associated tag information is encrypted to be decrypted in the wireless terminal 105 as shown in FIG. 5, or contains an intentional error in the EDC 435, or as in FIG. 6. In the terminal 105, the PIN is inputted to the preferred case of authenticating the validity of the payment method associated tag information. Those skilled in the art to which the present invention pertains are simpler (for example, a decoding process in the wireless terminal 105, an intentional error included in the EDC 435, or a PIN based on the present invention). It will be relatively easy to understand the function of the wireless terminal for the case that part of the validity authentication process of the payment method associated tag information of the () is omitted.

Referring to FIG. 7, the wireless ID extracting unit 670 provided in the wireless terminal 105 outputs a payment means-associated tag information transmission request signal to the payment method-associated wireless ID tag 100 attached to the card. The payment means associated tag information is extracted from the means linked wireless ID tag 100 and provided to the tag information reader 620 (700).

The tag information reading unit 620 reads a service identifier included in the payment means-associated tag information and determines whether the payment means-associated tag information is extracted from the payment method-associated wireless ID tag 100 ( 705).

According to a preferred embodiment of the present invention, the service means 420 of the memory unit 405 of the payment means linked wireless ID tag 100 attached to the card has a payment means linked wireless ID tag 100 on the card issuer. Identification information is determined that 210 is attached to the card issued to the customer, the service identifier 420 is determined by a contract between the wireless terminal manufacturer 305 and the card issuing agency 210 or Or the wireless ID management agency.

If the payment method linked tag information is not extracted from the payment method linked wireless ID tag 100 attached to the card (710), the tag information reader 620 associates the wireless ID tag information with the payment method linked It is determined as general wireless ID tag information instead of type tag information, and the wireless ID tag information is read through the existing wireless ID reading process to provide a wireless ID tag service (eg, a product information providing service).

On the other hand, if the payment method linked tag information is extracted from the payment method linked wireless ID tag 100 attached to the card (720), the tag information reading unit 620 as shown in Figure 5 payment method linked tag information In operation 725, it is determined whether the payment method-associated tag information is encrypted to be decrypted by the wireless terminal 105 by reading the encryption determination code included in the encryption terminal.

If the payment method-associated tag information is not encrypted to be decrypted in the wireless terminal 105 (730), the decoding process for the payment method-associated tag information is omitted.

On the other hand, if the payment method associated tag information is encrypted to be decrypted in the wireless terminal 105 (735), the decryption unit 625 is a decryption key (for example, a wireless terminal serial) from the memory unit 630 of the wireless terminal 105 Number or the decryption key (e.g., IC chip serial number, IC chip is provided through the IC chip interface 655) from the memory unit of the IC chip 675 that is mounted or detached from the wireless terminal 105. Decoded payment information associated tag information using the received customer information, authorized certificate information, biometric information, etc. (740).

When the payment means-associated tag information is decoded as described above, the tag information reading unit 620 applies the decoded payment means-associated tag information and the corresponding EDC 435 to validate the payment means-associated tag information. Determine (745).

If the validity of the payment method-associated tag information using the EDC 435 is not authenticated (750), the tag information reading unit 620 ends the payment processing process using the payment method-associated tag information.

On the other hand, if the validity of the payment means associated tag information using the EDC (435) is authenticated (755), the tag information authentication unit 615 is the input unit (645) through the key input unit 645 provided in the wireless terminal 105 PIN-based tag information and the PIN included in the PIN, the memory unit of the wireless terminal 105 and / or the memory unit of the IC chip 675 mounted on or detached from the wireless terminal 105. By comparing the information, the card customer's validity of the payment method associated tag information is authenticated (760).

If the validity of the card customer for the payment method linked tag information using the PIN is not authenticated (765), the tag information reader 620 ends the payment processing process using the payment method linked tag information.

On the other hand, if the validity of the card customer to the payment method linked tag information using the PIN is authenticated (770), the payment processing unit 610 is the payment method linked tag information (for example, payment means extracted from the wireless ID extraction unit) Processing means (for example, processing with a wireless payment protocol) that decodes the associated tag information by the wireless terminal 105, and processes the server and the server through the wireless processing unit 660 provided in the wireless terminal 105. After the communication session is connected, the payment method-associated tag information is transmitted to the server (775).

According to a preferred embodiment of the present invention, the communication session between the wireless terminal 105 and the server for transmitting the payment means linked tag information to the server, the wireless terminal 105 and the server is directly connected through a mobile communication network Or a communication connection via a commodity sales server or a payment server provided on a mobile communication network and / or a network, or a communication connection via a payment terminal device.

8 is a simplified diagram of a wireless payment processing system using payment method-associated tag information according to a preferred embodiment of the present invention.

In general, a known wireless payment processing system includes a wireless terminal 105 having a payment means, a merchandise sales server or a payment terminal device 800, a payment server 825, etc. Referring to FIG. The wireless payment processing system using the payment means linked tag information proposed by the present invention, the payment means linked type stored the payment means linked tag information as shown in Figure 5 in the structure shown in Figure 4 through the process of Figures 2 to 3 In addition to a card with a wireless ID tag 100, a wireless terminal 105 equipped with the functions as shown in FIGS. 6 and 7, and a known payment execution unit 805, a payment method using additional payment method-associated tag information is provided. Terminal-side payment performing unit for requesting and receiving payment means-associated tag information to the wireless terminal 105 of the customer based on the tag payment determination unit 810 for determining and the result of the tag payment determination unit 810 815 and the payment method linked tag information is transmitted to the server 830 as shown in (a) of FIG. 8 or to the payment server 825 as shown in (b) of FIG. 8. The product sales server and / or the payment terminal device 800, which is further provided with the unit 820, etc., authenticates the validity of the payment means linked tag information, or the payment means linked tag information is the server 830. The payment method authentication unit 845 for decrypting the corresponding password when encrypted to decrypt the information, and the processing method associated with the payment method associated tag information based on the payment method associated tag information authentication result of the payment method authentication unit 845. Payment means information extraction unit 835 for extracting the payment means information of the payment means, and through the payment system (for example, a system consisting of product sales server and / or payment terminal device and payment server) using the payment means information payment It consists of a server 830 consisting of a payment means processing unit 840 to process.

In addition, referring to Figure 8, in the wireless payment processing method using the payment means linked tag information presented in the present invention, the product sales server and / or payment terminal device 800 to the wireless terminal 105 payment means linked type After the tag information is requested, the wireless terminal 105 receives payment means-associated tag information extracted from the payment method-associated wireless ID tag 100 attached to the card of the customer and transmits the tag information. Tag information including payment information (for example, payment amount) is transmitted to the server 830 as shown in (a) of FIG. 8 or to the payment server 825 as shown in (b) of FIG. In the case of (a), the server 830 extracts payment means information linked to the payment means linked tag information and requests payment to the payment server 825 based on the payment means information and payment information, or drawing In the case of (b) of 8, the payment server (825) The payment information is transmitted to the server 830 again in the payment method associated tag information, and then the server 830 makes a payment request to the payment server 825 through the process as shown in FIG. In operation 825, payment processing is performed using payment means information and payment information received from the server 830.

9 is a simplified diagram of a wireless payment processing system using payment method-associated tag information according to a preferred embodiment of the present invention.

Although FIG. 9 has the same system as that of FIG. 8, in the wireless payment processing method using the payment means linked tag information, the merchandise sales server and / or the payment terminal device 800 transmits the payment information (the wireless terminal 105). For example, a payment amount, a payment server and / or server information, etc.), and when the wireless terminal 105 requests payment method-associated tag information, the wireless terminal 105 is a payment attached to the customer's card. Extracted from the means associated wireless ID tag 100, the wireless terminal 105 transmits the payment means associated tag information and payment information to the server 830, as shown in Figure 9 (a), the server 830 The payment method information associated with the payment means associated tag information is extracted and requested to the payment server 825, or as shown in (b) of FIG. 9, the wireless terminal 105 sends the payment server 825 to the payment server 825. Linking to payment method tag information Information, and then the payment server 825 transmits the payment method-associated tag information and payment information to the server 830, and the server 830 is linked to the payment method-associated tag information. Extract the payment request to the payment server 825, and the payment server 825 processes the payment using the payment means information and payment information received from the server 830.

10 is a simplified embodiment of a wireless payment system according to a preferred embodiment of the present invention.

10 is a diagram illustrating a merchandise sales server on a network in which a wireless terminal 105 is connected through a wireless section, a wired section, and a gateway (G / W) on a mobile communication network, among various wireless payment systems proposed by the present invention. 800 is provided, the merchandise sales server 800 is connected to the client via the Internet, the customer is connected to the payment means linked wireless ID tag 100 of the present invention and the payment means linked wireless The mobile terminal 105 has a function of extracting and reading payment means-associated tag information from the ID tag 100 and processing payment. The product sales server 800 includes at least one payment server 825. And a storage medium 850 having payment means information corresponding to the payment means linked tag information received from the wireless terminal 105 and the payment means linked tag from the storage medium 850. Beam server 830 is a diagrammatic view of a preferred embodiment wireless payment system, etc. is provided for processing a payment to extract payment method information through the payment server 825, corresponding to the.

Referring to FIG. 10, a customer selects tag payment as a payment method for the purchased product as shown in FIG. 11 in a process of purchasing and paying for a product by accessing a product sales server 800 on the Internet through a client. Enter the telephone number of the customer's wireless terminal 105, and select a card type to which the payment method linked wireless ID tag 100, in which the payment method linked tag information is stored, from among the cards possessed by the customer. Click.

When the payment processing using the tag information is started as described above, the tag payment determination unit 810 provided in the merchandise sales server 800 determines that the customer has selected the tag payment as shown in FIG. The terminal side payment performing unit 815 of 800 transmits a message with a callback URL attached to the phone number to the wireless terminal 105 of the customer, and the wireless terminal 105 based on the callback UEL. ) Is connected to the server 830, the card attached to the payment means associated wireless ID tag 100 attached to the card selected by the client from among the cards owned by the client approaching the wireless terminal 105 The wireless terminal 105 extracts and reads payment means-associated tag information from the payment method-associated wireless ID tag 100 and transmits it to the server 830, and the server 830 transmits the payment server 825. Through your billing source Completing the then provides the processed result to the wireless payment terminal (105).

12 is an embodiment of a wireless payment method according to a preferred embodiment of the present invention.

In particular, FIG. 12 illustrates a preferred case of wireless payment through a wireless payment system as shown in FIG. 10. When a customer accesses a product sales server 800 through a client on the Internet, purchases a product and starts payment (1200) The merchandise sales server 800 generates payment information (eg, a payment amount) for the corresponding purchased product as shown in FIG. 11, and requests the customer to determine a payment method for the payment information (1205).

If the customer selects a payment method other than the tag payment (1210), the product sales server 800 processes the payment for the purchased goods through the payment method (1215).

On the other hand, if the customer selects the tag payment as shown in FIG. 11 (1220), if the customer enters the customer's wireless terminal 105 phone number to provide the product sales server 800 through the client (1225), the product sales server ( The 800 generates a message including the callback UEL and requests the customer's wireless terminal 105 to access the shipment and merchandise sales server 800 (1230).

If the customer's wireless terminal 105 does not access the merchandise sales server 800 (1235), the merchandise sales server 800 repeats the process of determining a payment method for the purchased merchandise.

On the other hand, if the customer accesses the product sales server 800 to the customer's wireless terminal 105 through a message including a callback UEL (1240) (1245), the product sales server 800 as shown in Figure 11 The payment information associated tag information is requested to the wireless terminal 105 (1250).

When the payment method linked tag information is requested to the wireless terminal 105 as described above, the customer receives the payment method linked tag information from the payment method linked wireless ID tag 100 attached to the card through the wireless terminal 105. Extraction (1255) and validity determination of the extracted payment means associated tag information through the function described with reference to FIG. 7 (1260).

If the validity of the payment method linked tag information is not authenticated in the process (1265), the payment method linked tag information is obtained from the payment method linked wireless ID tag 100 attached to the card through the wireless terminal 105. Repeat the extraction and validation process.

On the other hand, if the validity of the payment method linked tag information is authenticated in the process (1270), the wireless terminal 105 transmits the payment method linked tag information to the product sales server 800 (1275), the product sales server In operation 1280, the payment information is included in the payment method-associated tag information and transmitted to the server 830 and the payment request is performed (1280).

The following description is the description of Fig. 12 (a).

When the payment method linked tag information is received as described above, the server 830 determines the validity of the payment method linked tag information received from the merchandise sales server 800 (1200a).

If the validity of the payment method linked tag information is not authenticated in the process (1205a), the server 830 generates a validity error for the payment method linked wireless ID tag information and transmits it to the merchandise sales server 800 ( 1210a), the merchandise sales server 800 generates an error message and transmits the error message to the wireless terminal 105 to output on the wireless terminal screen.

On the other hand, if the validity of the payment method-associated tag information is authenticated in the process (1215a), the server 830 extracts payment method information linked to the payment method-associated tag information and determines the payment method of the customer (1220a). ).

When the payment method of the customer is determined as described above, the server 830 transmits payment method information and payment server 825 of the customer from the payment method of the customer and requests payment processing (1225a).

If the payment server 825 does not approve payment processing using payment method information associated with payment method-associated tag information (1230a), the payment server 825 generates and transmits an error message to the product sales server 800. (1235a), and generates a validity error for the payment method associated wireless ID tag information and transmits it to the merchandise sales server 800, and the merchandise sales server 800 generates an error message and transmits the error message to the wireless terminal 105. Output to the terminal screen (1240a).

On the other hand, if the payment processing using the payment method information associated with the payment method linked tag information in the payment server 825 is approved (1245a), the payment server 825 transmits the payment approval result to the merchandise sales server 800 ( 1250a), the product sales server 800 generates and transmits a payment approval result message using payment means-associated tag information to the wireless terminal 105 of the customer, and outputs the payment approval result message on the wireless terminal screen of the customer. (1255a).

According to the present invention, a payment means-associated tag information is provided in a payment means-associated wireless ID tag attached to a card having at least one payment means, and the payment means-associated tag information and its associated information are stored in a storage medium on a network. By performing a payment process on a wired and / or wireless basis using a wireless terminal equipped with a wireless ID reading function for a payment method linked wireless ID tag attached to the card with the linked payment method information, the customer There is an advantage that the payment method can be selected more freely.

In addition, even when a wireless terminal equipped with a payment means or a change in a mobile communication service provider, the trouble of replacing a payment means (IC chip, etc.) due to the loss or change can be eliminated.

Claims (2)

A storage medium for linking and storing payment means information and RFID tag information; In the mobile payment processing, after receiving the RFID tag information through the user's mobile phone, and confirms the payment means information processed in association with the received RFID tag information from the storage medium, by using the confirmed payment means information of the mobile phone Wireless payment processing system using the RFID tag information, characterized in that comprises a; server for processing the payment. The method of claim 1, wherein the RFID tag information, The wireless payment processing system using the RFID tag information, characterized in that the encryption process by a predetermined encryption key provided corresponding to the decryption key decrypted by the server or mobile phone.

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