KR20080104399A - Value charging system using mobile terminal and method thereof - Google Patents

Abstract

A value payment part charging system and a method thereof using a portable communication terminal are presented to control the flow of a value part bidirectionally. According to a value payment part charging system using a portable communication terminal, a service terminal(200) comprises a value payment unit(250). A portable communication terminal(300) performs local area wireless communication through a local area communication unit with the service terminal, and is connected to a financial server through a wireless communication unit and charges a value unit to the value payment unit from the financial server.

Description

VALUE CHARGING SYSTEM USING MOBILE TERMINAL AND METHOD THEREOF}

1 is a schematic diagram for explaining a system for charging a value payment means using a mobile communication terminal according to an embodiment of the present invention;

2 is a schematic block diagram showing an internal configuration of a broadcast receiving terminal and a portable communication terminal incorporating a value payment means charged using a portable communication terminal according to an embodiment of the present invention;

3 is an exemplary interface screen showing a charging procedure for charging a value payment means using a mobile communication terminal according to an embodiment of the present invention,

4 is a flowchart illustrating a method of charging a value payment means using a mobile communication terminal according to an embodiment of the present invention.

The present invention relates to a charging system and a method for charging a value payment means, and more particularly, to a mobile communication terminal having a mobile bank-on function so that the value means charged in the value payment means can be used to implement a predetermined purpose. The present invention relates to a charging system and a method for charging a value payment means.

Currently, the content or public transportation payment methods on the network include bank payment methods such as bank transfer and unpaid bank account payment, credit card payment method, payment method added to telephone bill, gift certificate and coupon usage method, point usage method, and internet network. There is a method of adding a network service fee to a service provider, and a method of charging and using a predetermined value means in the value payment means using these methods.

However, since these methods are performed on a network, there are security problems such as the leakage of personal information such as passwords, account and credit card numbers, and expiration date. There was a problem that comes with the inconvenience to perform.

In addition, the conventional charging method in which a predetermined value means is charged and used in the value payment means requires security and authentication procedures as described above to read a value payment means and provide a series of transactions (eg, a payment transaction). In addition to using a payment method, or visiting a charging station to pay and recharge cash corresponding to the value means, there was an inconvenience in that you had to go directly to a place where a specific terminal for reading / writing value payment means was separately provided. .

This problem is particularly a problem when a small payment is required to use contents such as copyright fees, games, videos, etc. with the development of digital multimedia.

In other words, if you have to go to a specific place for value transfer every time for small payments for each content, and if you have to repeat certain procedures such as security authentication procedures every time, the user will be very troubled. If it is necessary to perform the transfer, the user may avoid using the content because the user cannot enjoy the content sufficiently.

Accordingly, the present invention has been made to solve the above technical problem, and an object of the present invention is to provide a charging system and a method of a value payment means using a mobile communication terminal that can efficiently manage micropayments.

It is an object of the present invention to provide a charging system and a method for charging a value payment means using a mobile communication terminal that can charge and refund the value means and can control the flow of the value means in both directions.

SUMMARY OF THE INVENTION An object of the present invention is to provide a charging system and a method of charging a value payment means using a mobile communication terminal that can visit a specific place for charging or refunding or do not require a specific device.

Value payment means charging system using a mobile communication terminal according to an aspect of the present invention is a service using a terminal having a value payment means, and performs the short-range wireless communication through the service using terminal and the short-range communication means, wireless to the financial server And a mobile terminal which is connected via a communication means to charge the value means from the financial server with the value means.

The value payment means may be an IC chip including a reception limit / cancellation function and a charging function,

The service using terminal may be a broadcast receiving terminal, wherein the value payment means receives the encrypted broadcast and reads the value information included in the encryption key included in the header of the encrypted broadcast signal and corresponds to the value information. The broadcast signal may be decoded under the condition of paying.

The service using terminal may be a means of public transportation.

The financial server may include a database in which the charge history of the service using terminal is stored in a database under a unique number lower category of the mobile communication terminal.

The short range communication means may communicate using near field communication.

The near field communication may include infrared, Bluetooth, Wi-Fi, or wireless LAN.

The service using terminal has a value payment means interface for interfacing the value payment means charging using a mobile communication terminal, the mobile communication terminal may have a mobile banking application.

One embodiment of the present invention according to another aspect of the present invention is a method of charging a value payment means using a mobile communication terminal for charging a service using terminal having a value payment means using a mobile communication terminal short-range communication of the service using terminal It performs short-range wireless communication with the means, and is connected to the financial server through the wireless communication means to charge the value means from the financial server to the value payment means.

The value payment means charging / refund interface of the service using terminal is selected, and the mobile communication terminal may be in a charge / refund standby state by selecting a value payment means charging / refund interface among mobile banking applications.

The session between the service using terminal and the portable communication terminal may be established when the unique number of the service using terminal is transmitted.

The financial server may update the charge amount of the value payment means together with the unique information of the mobile communication terminal.

The short range communication unit may perform at least one of an infrared communication method, Bluetooth, Wi-Fi, and wireless LAN.

Hereinafter, with reference to the accompanying drawings will be described in detail a value payment means charging system and a charging method using a mobile communication terminal according to an embodiment of the present invention.

In the present specification, a method of charging by using a broadcast receiving terminal and a portable communication terminal for receiving digital multimedia broadcasting with value payment means will be described as an example. However, the present invention is not limited thereto, and may be used to charge a value payment means such as a transportation card or a highway pass card that can pay public fees, and a value payment means for using other contents in advance. Can be used to charge.

1 is a schematic diagram illustrating a system for charging a value payment terminal using a mobile communication terminal according to an embodiment of the present invention, Figure 2 is a charge using a mobile communication terminal according to an embodiment of the present invention Fig. 1 is a schematic block diagram showing the internal configuration of a broadcast receiving terminal and a portable communication terminal incorporating a value payment means.

1 and 2, the charging system according to an embodiment of the present invention receives the encrypted broadcast from the broadcaster's server 100 (hereinafter referred to as the 'broadcast server') to pay the value means and encrypted A broadcast receiving terminal 200 for decoding and receiving a broadcast, a portable communication terminal 300 for relaying the charging of the value payment means 250 in the broadcast receiving terminal 200, and the portable communication terminal 300 are used. It includes a financial server 400 for charging the value means in the value payment means (250).

 In the present specification, the broadcast server 100 may randomly transmit an encrypted broadcast signal through a satellite or repeater according to a service environment of satellite DMB or terrestrial DMB.

At this time, the broadcast server 100 only needs to transmit the encrypted broadcast signal, and does not need to be separately registered and managed as a member, and the broadcast receiving terminal 200 determines whether the broadcast receiving terminal receives a broadcast. And complex two-way communication.

The broadcast receiving terminal 200 receives various broadcast contents encrypted from the broadcast server 100 through the broadcast signal receiving unit 211, and the broadcast signal processing unit 213 unpacks the broadcast signal encrypted with the encrypted broadcast signal. When the header unit stores an encryption key and a data unit containing broadcast content, the header unit is separated, an encryption key is extracted, and the encryption key is transmitted to the main control unit 210. The main control unit 210 generates a header. The encryption key extracted from the wealth is transferred to the value payment means 250 through the value payment means interface 240.

When the value payment means 250 determines that the encryption key can release the reception restriction, whether the value payment means 250 is filled with a value means, among the value means charged from the value payment means 250. The broadcast reception restriction may be released by reading the price information of the broadcast content stored in the encryption key and reducing the corresponding price information.

When the value payment means 250 transmits the broadcast reception restriction release to the main control unit 210 through the value payment means interface 240, the main control unit 210 causes the signal processing unit 213 to broadcast. Decode the content to display on the screen output unit 230.

The value payment means 250 is provided in the form of an IC chip, and further includes a CAS function for granting or restricting the right to watch a pay broadcast, a calculation unit and storage memory for storing, reducing, and refunding the value means. can do.

The value payment means 250 used in the embodiment of the present invention may be mounted in the form of an IC chip in the broadcast receiving terminal 200, and may be a smart card that stores a decryption system and customer information.

The value payment means 250 may be configured integrally with the broadcast receiving terminal 200, or may be detachably embedded in the broadcast receiving terminal 200.

On the other hand, the broadcast receiving terminal 200 is provided with a short-range communication means 215 to form a charging transaction for the financial server 400 through the mobile communication terminal in the short-range communication means of the mobile communication terminal 300 ( 315) and near field communication.

The main control unit 210 selects the type of the short-range communication means 215 according to the frequency band used and the value payment for interfacing the reception limit function (CAS) of the value payment means 250 and the charge / refund function. Interwork with the means interface 240.

The main control unit 210 selects a channel of the corresponding broadcast signal selected by the key input unit 201, and the signal processing unit 213 is connected with the value payment means interface 240 to limit the reception of the corresponding broadcast signal. By decoding the encrypted signal, the decoded broadcast signal can be output through the screen output unit 230.

The short-range communication means 215 of the broadcast receiving terminal 200 is a near field communication (near field communication) that can be interlocked with the portable communication terminal (300) using infrared, Bluetooth, Wi-Fi, wireless LAN, etc. Can be.

In general, the near field communication technology (NFC) is an improvement in contactless identification and interconnection technology, which integrates a contactless reader, a contactless card, and a peer-to-peer (P2P) function on a single chip. Works.

The value payment means 250 according to the command requested by the main control unit 210 through the value payment means interface 240, the type of the broadcast receiving terminal 200, the receiving card number, subscription service, reception method, gender ㆍ Save service usage command along with broadcasting service information such as customer information such as age and TV type, channel service ID, program broadcasting time, broadcasting receiving method, etc. It can be used as a basis for target marketing.

The portable communication terminal 300 may be any terminal such as a mobile phone, a smart phone, a PDA phone capable of wireless communication.

The mobile communication terminal 300 includes a charging processing unit 307 in the control unit 307 to relay the value means from the financial server 400 to the value payment means 250.

The portable communication terminal 300 includes a short range communication means 315 to search for the broadcast receiving terminal 200 in a short range of the value means stored in the value payment means 250 of the broadcast receiving terminal 200. Receive balance information and unique information of the broadcast receiving terminal 200.

On the other hand, the mobile communication terminal 300 is provided with a wireless processing unit 310, using the unique information of the mobile communication terminal 300 stored in the memory unit 305 via the PG from the financial server 400 Value means may be charged in the charging area of the pay value means 250 of the broadcast receiving terminal 200.

The mobile communication terminal 300 may include a mobile banking module that performs mobile banking, and may further include a broadcast payment service menu in addition to card service, automated device service, securities, and other additional services.

The mobile communication terminal 300 performs a wireless communication by the set protocol (protocol) with the financial server 400. For example, the mobile communication terminal 300 and the financial server 400 may perform wireless communication using the TCP / IP protocol.

The mobile financial transaction information may further include various kinds of information necessary for the mobile financial transaction. For example, the mobile financial transaction information may include authentication information, financial information, personal information, and the like. The authentication information preferably includes a variety of information required for authentication of mobile financial transactions. The financial information preferably includes information about the bank, account information, and other financial service information. In addition, the personal information preferably includes information necessary for personal authentication, such as a social security number.

The portable communication terminal 300 is a near field communication method (near field) in order to charge a value means from the short range communication means 215 of the broadcast receiving terminal 200 and the broadcast receiving terminal 200 from the financial server 400. short-range communication is performed. In this case, infrared, Bluetooth, Wi-Fi, WLAN, etc. may be used as a short range communication means. Such a communication method may also be selected by selecting an interface through the screen output unit 309 on the mobile communication terminal 300.

On the other hand, the financial server 400, including a database 410 for storing the charges for the broadcast payment of the broadcast receiving terminal 300, and periodically transmits the request data and billing charges to the operators of the broadcast server 100 do.

Referring now to Figure 3 will be described in detail with respect to a method for charging the value payment means using a mobile communication terminal.

3 is an exemplary interface screen showing a charging procedure of the value payment means using a mobile communication terminal according to an embodiment of the present invention.

According to an embodiment of the present invention, the mobile communication terminal 300 has a value means charging application is installed, and access to the financial server 400 through the PG using the value means charging application broadcast receiving terminal ( 200) can be added to the value means.

Referring to Figure 3, pressing the value payment / refund menu or icon for broadcast payment of the menu of the mobile communication terminal 300, (a) charges / refunds, balance inquiry, usage history as the broadcast payment menu submenu A menu such as the above appears, and if you select the charge / refund menu of these, (b) prompts to enter the value means charge / refund password. At this time, if you enter the password and press the run, (c) the charging / refund object placed in the short-range waiting state is indicated by each unique number and a sub-menu to select the medium to be double charged. (d) When selecting a broadcast receiving terminal to be charged, a message prompting to select an account to be withdrawn is displayed, and when an account to be withdrawn is selected, (e) a charging amount input menu and an account password for mutual authentication with the financial server 400. A request message appears. At this time, if the charge amount is entered and the account password is entered, (f) for security, the charging of the broadcast receiving terminal can be completed by entering a security code. When the charging is completed (g) a message indicating that the charging is completed to the broadcast receiving terminal 200 and displays the remaining balance after the charging, and if selected, the lower menu is initialized.

Now, a method of charging a value payment means using a mobile communication terminal according to an embodiment of the present invention will be described in detail with reference to FIG.

4 is a flowchart illustrating a method of charging a value payment terminal using a mobile communication terminal according to an embodiment of the present invention.

As shown in FIG. 4, the broadcast server 100 or the service providing server provides an encrypted service, and a traffic card or broadcast receiving terminal 200 serving as a service using terminal is provided by the main control unit 210. Check the balance of (250), and if the balance is greater than the service usage price, the amount is reduced by the service usage price and the encrypted service is released and used.

When the broadcast receiving terminal 200 determines that the balance of the value payment means 250 is smaller than the service usage price by the main control unit 210, the value payment interface 240 through the key input unit 201. If the charge / refund interface is selected, the charge / return standby state is maintained (S10).

The main control unit 210 of the broadcast receiving terminal 200 transmits unique information of the broadcast receiving terminal 200 through the short range wireless communication unit 215 (S20).

At this time, if the charging / refund interface of the mobile communication terminal 300 is selected, the charging / refund processing application of the control unit 307 of the mobile communication terminal 300 is activated to become a charge / refund standby state (S30), A short range wireless communication session is formed for the broadcast receiving terminal 200 searched through the short range communication means 315 (S40).

The charge / refund request message is transmitted from the broadcast receiving terminal 200 through the session (S50), and the portable communication terminal 300 finances the charge / refund request message together with the unique information of the portable communication terminal 300. The server 400 transmits the data (S60).

The financial server 400 searches the bank account of the person corresponding to the unique information of the corresponding mobile communication terminal 300 to check the balance and charge / refund response message with a message indicating that the unique information of the mobile communication terminal is confirmed. It transmits (S70).

The financial server 400 transmits a value means charging / refund response message to the broadcast receiving terminal 200 via the mobile communication terminal 300 (S80), wherein the value payment means 250 is a value means. It is charged / refunded (S90).

At this time, the mobile communication terminal 300 by transmitting a charge / refund confirmation message to the financial server, the financial server can update the database (S100).

Therefore, since the broadcast receiving terminal 200 can be charged using the mobile communication terminal 300 through its payment account, the broadcast can be watched anytime and anywhere, especially when a specific charging place such as driving cannot be found. There is an advantage that can watch the broadcast in a limited environment, such as.

Therefore, even without finding a separate charging station or repeating a difficult and cumbersome process, it is possible to simply charge a broadcast receiving terminal.

In addition, the mobile communication terminal 300 may transfer the value means charged in the value payment means 250 to a corresponding bank account, or may be charged to another broadcast receiving terminal 200.

Therefore, the charging system according to an embodiment of the present invention can be secured by using the short-range communication means while ensuring the security of the transfer of the value means.

In addition, according to an embodiment of the present invention, by using an existing mobile communication terminal having a mobile bank-on function, it is possible to easily charge / refund the service using terminal.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And change

It will be appreciated.

Therefore, according to an embodiment of the present invention, it is possible to reasonably charge a fee for the broadcast reception using an existing system.

In addition, according to an embodiment of the present invention, it is possible to pay for the broadcast in a prepaid manner, and to charge and refund the value means.

In addition, according to the present invention, a visit to a specific place for charging or a refund or a specific device may not be required.

In addition, according to the present invention, a broadcaster may not establish a system for attracting and managing a customer separately.

Further, according to the present invention, security can be maintained because the service using terminal is charged by the near field communication means.

Claims (14)

Near field communication is performed through a service using terminal having a value payment means, the service using terminal and a near field communication means, and is connected to a financial server through a wireless communication means to transfer the value means from the financial server to the value payment means. A value payment means charging system using a mobile communication terminal, including a mobile terminal for charging. The method of claim 1, The value payment means is a value payment means charging system using a portable communication terminal, which is an IC chip including a reception limit / release function and a charging function. The method of claim 1, The service using terminal is a value payment means charging system using a mobile communication terminal which is a broadcast receiving terminal. The method of claim 3, wherein The value payment means is a portable device that receives the encrypted broadcast and reads the value information included in the encryption key included in the header of the encrypted broadcast signal to decode the broadcast signal on condition that the value means corresponding to the value information is paid. Value payment means charging system using a communication terminal. The method of claim 1, The service using terminal is a value payment means charging system using a mobile communication terminal which is a means of public transportation. The method of claim 1, The financial server is a value payment means charging system using a mobile communication terminal including a database storing the charge history of the service using the terminal as a unique number lower category of the mobile communication terminal database. The method of claim 1, The short-range communication means is a value payment means charging system using a mobile communication terminal for communicating by using a near field communication (near field communication). The method of claim 7, wherein The near field communication (near field communication) is a value payment means charging system using a mobile communication terminal, including infrared, Bluetooth, WiFi, WLAN. The method of claim 1, The service using terminal has a value payment means interface for interfacing the value payment means charging using a mobile communication terminal, the mobile communication terminal is a value payment means charging system using a mobile communication terminal having a mobile banking application. A method of charging a value payment means using a mobile communication terminal for charging a service using terminal having a value payment means using a mobile communication terminal, A method of charging a value payment means using a mobile communication terminal that performs short-range wireless communication with the short-range communication means of the service using terminal and is connected to a financial server through a wireless communication means to charge a value means from the financial server to the value payment means. . The method of claim 10, A value payment means using a mobile communication terminal selects a value payment means charge / refund interface of the service using terminal, and the mobile communication terminal selects a value payment means charge / refund interface among mobile banking applications and becomes a charge / refund standby state. Charging method. The method of claim 10, And a session between the service using terminal and the portable communication terminal is formed when a unique number of the service using terminal is transmitted. The method of claim 10, The financial server is a method of charging a value payment means using a mobile communication terminal for updating the charge amount of the value payment means with the unique information of the mobile communication terminal. The method of claim 10, The short range communication means is a value payment means charging method using a portable communication terminal that performs at least one of the infrared communication method, Bluetooth, WiFi, WLAN.

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