KR20080114651A - System for charging the prepaid card function - Google Patents

Abstract

A prepaid card function charging system for previously preventing inconvenience charging a bill is provided to provide the prepaid card function charging system including a server processing so that a prepaid card function including charged amount in a mobile phone be charged. A storing part(125) processes payment unit information linked with tag information stored in an RFID tag. The tag information and prepaid card function charging money information are received from a mobile phone. A server(145) processes so that the prepaid card function be charged to be equipped in the mobile phone by using the confirmed payment unit information. The server confirms payment unit information linked with tag information received through the storing part.

Description

Prepaid Card Function Charging System {System for Charging the Prepaid Card Function}

1 is a diagram of a prepaid card function charging system in a wireless terminal using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

2 is a diagram of a preferred wireless terminal internal structure for charging a prepaid card function provided in a wireless terminal through a server or a device on a network using wireless ID tag information.

3 is a simple diagram of an IC chip equipped with a prepaid card function.

4 is a simplified diagram of wireless ID tag information stored in a storage medium in association with a payment means provided in a card according to a preferred embodiment of the present invention.

5 is a simple flowchart illustrating a method of charging a prepaid card function in a wireless terminal using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

6 is a simplified illustration of a process of charging a prepaid card function using wireless ID tag information in a wireless network according to the present invention.

7 is a simplified illustration of a process of charging a prepaid card function using wireless ID tag information on a wired network in accordance with the present invention.

<Description of main parts of drawing>

100: server or device 105: decryption unit

110: charging means extraction unit 115: prepaid charge performing unit

120: prepaid charging interface 125: storage medium

130: charge history D / B 135: wireless ID tag

140: wireless terminal 145: payment server or financial server

The present invention provides a storage medium for linking and storing tag information stored in a wireless ID tag and payment means information associated with the tag information, receiving tag information and prepaid card function charge amount information from a mobile phone, and through the storage medium. Prepaid including a server (or device) to check the payment means information associated with the received tag information, and to process the prepaid card function provided in the mobile phone as much as the charge amount by using the confirmed payment means information Card function charging system.

The Prepaid Card issuing the card by recording the payment limit and / or the number of times used on the card, providing the customer with the amount of the recorded payment limit and / or the number of times of use, and the products purchased from the merchant and And / or a payment method for deducting the corresponding payment amount or the number of times of use in the payment process for the service and recording it on the card, and paying the payment in advance, but the payment process is made with a shadow account. It features.

The prepaid card pays the amount prepaid, so that prepaid card customers, like credit cards, purchase goods and / or services without a direct payment of cash, and for card issuers reduce the amount of overdue and / or unnecessary banpies. Although it may be a payment method, the process of paying the prepaid amount of payment, that is, the cumbersome process of charging the prepaid amount of the prepaid card includes an inconvenient problem.

An object of the present invention for resolving the above problems is a storage medium for linking and storing the tag information stored in the wireless ID tag and the payment means information associated with the tag information, and the tag information and prepaid card function charge amount from the mobile phone Receives information, checks the payment means information associated with the received tag information through the storage medium, and the prepaid card function provided in the mobile phone by the charge amount is charged using the confirmed payment means information processing To provide a prepaid card function charging system comprising a server (or device).

The prepaid card function charging system according to the present invention comprises a storage medium for linking and storing tag information stored in a wireless ID tag and payment means information associated with the tag information, and tag information and prepaid card function charge amount information from a mobile phone. Receiving, checking the payment means information associated with the received tag information through the storage medium, using the identified payment means information processing server to charge the prepaid card function provided in the mobile phone by the charge amount (Or an apparatus).

According to the present invention, the server (or apparatus) comprises a decryption unit for decrypting the encrypted tag information using a decryption key when the tag information is encrypted by an encryption key. .

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.

The following embodiment is stored in the payment means information of the payment means provided on the card owned by the customer and the wireless ID tag attached to the card, and wirelessly using the wireless ID tag information stored in the storage medium on the network in association with the payment means The prepaid card function charging system in a terminal is provided with a storage medium in a server or an apparatus operated by a card issuing organization according to a preferred embodiment of the present invention, and the prepaid card function charging method generates a charging data in a wireless terminal, and The present invention relates to a case of receiving a charge approval code for charging a prepaid card function in a wireless terminal and charging based on the charge data. However, if one of ordinary skill in the art to which the present invention pertains, the storage medium is provided at a location other than the server, or the wireless terminal is charged from the server according to another embodiment of the present invention based on the following embodiments. Receiving data and charging the prepaid card function in the wireless terminal may be relatively easy to infer.

1 is a diagram of a prepaid card function charging system in a wireless terminal 140 using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

Referring to FIG. 1, a prepaid card function charging system in a wireless terminal 140 using wireless ID tag information stored in a storage medium in association with a payment means may include a wireless ID tag 135 according to a preferred embodiment of the present invention. A wireless terminal 140 for extracting and reading wireless ID tag information from the attached card, the wireless ID tag 135, and transmitting the extracted wireless ID tag information to a server or device 100 on a network, and the wireless terminal 140 and the server or device. Payment means information corresponding to the charging means of the prepaid card function from the storage medium 125 based on the mobile communication network connecting the communication session between the mobile terminal 100 and the wireless ID tag information received from the wireless terminal 140; And / or a server or device 100 on a network that extracts card information to charge the prepaid card function, and the server or device 100 is used to charge the prepaid card function. At least it composed of one or more of the financial server, or the financial server 145 for.

The wireless ID tag 135 attached to the card stores wireless ID tag information stored in a storage medium in association with at least one or more payment means included in the card or the card information. According to the wireless ID tag information in the step of producing the wireless ID tag 135, as shown in (a) of Figure 4 below is encrypted twice to be decrypted in the wireless terminal 140 and the server 100 or And / or before the card is issued to a customer and the prepaid card function charging service in the wireless terminal 140 is started, the RIFD tag information and the wireless terminal 140 are authenticated as shown in (b) of FIG. 4 below. PIN is provided in the wireless terminal 140.

The wireless terminal 140 charging the prepaid card function provided in the wireless terminal 140 through the server or the device 100 on the network using the wireless ID tag information is a prepaid card function provided in the wireless terminal 140. Receives charged charge amount information, generates charge data, and temporarily stores charge data. Also, from the wireless ID tag 135 attached to the card, payment means information and / or card information of the corresponding card is provided. Extract and read wireless ID tag information stored in the storage medium 125 on the network (e.g., decryption when validity authentication for the wireless ID tag information and / or the wireless ID tag information is encrypted to be decrypted in the wireless terminal). The server or the device 100 on the network sequentially or simultaneously with the read wireless ID tag information and / or charge amount information. After transmitting, on the basis of the charge authorization code received from the server or the device 100 using the charging data, it characterized in that the pre-paid card having a function for wireless terminal 140 for charging by the charge amount.

The mobile communication network connecting the communication session between the wireless terminal 140 and the server or the device 100 includes at least one wireless section (eg, wireless terminal and base station) and a wired section (eg, base station, control station, switching station, Home Location Register (HLR) / Visitor Location Register (VLR) and Gateway).

According to another exemplary embodiment of the present invention, a communication session between the wireless terminal 140 and the server or the device 100 may include at least one short-range communication section (eg, short-range communication between the wireless terminal and KISOK) and a wired section (eg, Wired communication between the KISOK and the server or the device), or the wireless terminal 140 and the server or the device 100 can be directly connected by a short range communication session.

The server or device 100 for charging the prepaid amount by the prepaid card function provided in the wireless terminal 140 based on the RIFD tag information and the recharge amount information received from the wireless terminal 140 includes a prepaid charge interface 120. Decryption unit 105, the charging means extraction unit 110, the storage medium 125 for storing and processing the payment means information and / or card information and the wireless ID tag information for the card, and prepaid charging The execution unit 115, and the charge history D / B (130).

The prepaid charging interface 120 connects a communication session between the wireless terminal 140 and the server or the device 100, receives the wireless ID tag information and the charge amount information from the wireless terminal 140, and further includes the wireless session. It provides a communication interface for transmitting a charge approval code to the terminal 140. For example, when the wireless terminal 140 connects to the wireless Internet and establishes a communication session with the server or the device 100, the prepaid charging interface 120 performs the function of the wireless Internet server.

When the wireless ID tag information received from the wireless terminal 140 is encrypted to be decrypted by the server or the device 100, the decryption unit 105 uses the decryption key included in the storage medium 125 to transmit the wireless ID tag information. And decoding the ID tag information.

The charging means extracting unit 110 retrieves wireless ID tag information matching the wireless ID tag information from the storage medium 125 using the wireless ID tag information received from the wireless terminal 140, and searches for the wireless ID. When the wireless ID tag information matching the tag information is searched, the payment means information and / or card information associated with the retrieved wireless ID tag information is extracted, and the payment means information and / or card information is transmitted to the wireless terminal 140. Characterized in that determined by the charging means of the prepaid card function provided in.

The prepaid charging unit 115 extracts the payment means information and / or card information, which is processed in association with the wireless ID tag information, from the storage medium 125 by the charging means extraction unit 110 to charge the prepaid card function. If it is determined, the card corresponding to the payment means and / or card information corresponding to the payment means information through the payment server or the financial server 145 on the network based on the charge amount information received from the wireless terminal 140 It is characterized by transferring the charge amount from the prepaid card function provided in the wireless terminal 140 as much as the charge amount.

For example, if the payment means information and / or card information corresponds to the credit card payment means, the prepaid charging unit 115 processes the credit card payment by the amount corresponding to the amount of charge through the payment server 145, the payment The amount of charge is transferred from the payment means corresponding to the means information and / or the card corresponding to the card information to the prepaid card function provided in the wireless terminal 140.

In addition, for example, if the payment means information corresponds to a bank account and / or electronic bank account, the prepaid charging unit 115 transfers the account as much as the charge amount through the bank's financial server 145, the payment means The amount of charge is transferred to the prepaid card function provided in the wireless terminal 140 from the payment means corresponding to the information and / or the card corresponding to the card information.

When the amount of charge is transferred from the payment means corresponding to the payment means information and / or the card corresponding to the card information to the prepaid card function provided in the wireless terminal 140 through the above process, the prepaid charge is performed. The unit 115 stores the charge history in the charge history D / B 130, generates a charge approval code to be charged by the prepaid card function to the charge amount in the wireless terminal 140, the charge approval The code is transmitted to the wireless terminal 140 through the prepaid charging interface 120.

2 is a diagram of a preferred wireless terminal internal structure for charging a prepaid card function provided in the wireless terminal 140 through a server or device 100 on a network using wireless ID tag information.

Referring to FIG. 2, the wireless terminal 140 basically includes a control unit 200, a screen output unit 230, a key input unit 235, a wireless processing unit 245, a short range communication unit 250, and a voice processing unit 255. And a memory unit 260 and a battery 275 for power supply, and are linked with payment means information and / or card information from a wireless ID tag 135 attached to a card according to a preferred embodiment of the present invention. A wireless ID extracting unit 240 for extracting wireless ID tag information stored in a storage medium, a reading unit 210 for extracting wireless ID tag information extracted by the wireless ID extracting unit 240, and the wireless ID tag 135 ) Is decrypted when the wireless terminal 140 is encrypted to decrypt the decryption unit 215, the input unit 205 for receiving the charge amount, the wireless ID tag information and the charge amount information server or device on the network Transmitter 220 and wireless to transmit to (100) Charge processing unit 225 for charging with a prepaid card function provided in the terminal 140 and the IC chip 270 mounted or detached in the prepaid card program or wireless terminal 140 provided in the memory unit 260 ) Is made up of prepaid card storage information and the like.

The controller 200 is a general 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 are loaded. It controls and manages the overall operation. That is, all functions and / or tasks performed through the wireless terminal 140 are performed through the controller 200, which is configured to perform at least one or more function performing units (eg, provided in the wireless terminal 140). , 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. 1 according to a preferred embodiment of the present invention, the control unit 200 receives an input amount of money from the key input unit 235 and provides it to the charging processing unit 225, and a wireless ID extracting unit ( A reading unit 210 that receives and reads wireless ID tag information from 240, a decryption unit 215 for decrypting the wireless ID tag information when the wireless ID tag information is encrypted to be decrypted by the wireless terminal 140, and the input unit 205. After generating the charging data from the charge amount information provided from the temporary storage in the memory, and receives the charge approval code from the server or device 100, the prepaid provided in the wireless terminal 140 using the temporarily stored charging data The card function (e.g., prepaid card program provided in the wireless terminal memory unit, or prepaid card storage information provided in the IC chip mounted or detached in the wireless terminal); The charging processing unit 225 performs balancing to charge the charged amount, and the wireless processing unit 245 stores the charged amount information and the wireless ID tag information provided by the reading unit 210 and / or the decryption unit 215. And / or a transmission unit 220 for transmitting / receiving to or from the server or the device 100 through the local area communication unit 250.

According to a preferred embodiment of the present invention, when the prepaid card function is provided in the IC chip 270, the charge processor 225 performs a function of a card terminal program for the IC chip 270, or When the prepaid card function is provided in the memory in the wireless terminal 140, it is preferable that the prepaid card function corresponds to a part of the agent program and / or the wireless terminal configuration that is linked with the prepaid card function.

The screen output unit 230 receives at least one or more key data generated from the key input unit 235 and / or various information and signals generated and / or generated during the control process of the control unit 200. It is characterized in that it serves to output to the screen (for example, LCD (Liquid Crystal Display)) provided in.

The key input unit 235 includes a plurality of number keys, a character key for inputting a character, and at least one function key, and the like. When a key is pressed, corresponding key data are generated and provided to the controller 200.

According to a preferred embodiment of the present invention, a charge amount to be charged by the prepaid card function provided in the wireless terminal 140 is input to the input unit 205 through the key input unit 235, and the input unit 205 receives the charge amount. Information is provided to the charging processing unit 225, and the charging processing unit 225 generates and temporarily stores charging data for charging the prepaid card function in the wireless terminal 140 as much as the charged amount, and then stores the charged amount information on the network. Send to server or device 100.

The radio processor 245 may process radio frequency signals transmitted and received in a radio communication section between the radio terminal 140 and the base station on the mobile communication network through radio frequency (RF).

According to a preferred embodiment of the present invention, the wireless processing unit 245 connects a communication session between the wireless terminal 140 and the server or the device 100 through a mobile communication network.

The local area communication unit 250 includes at least one local area communication means of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN, and Wi-Fi within a short range communication range. It is characterized in that for transmitting and receiving data with an external local area communication device through.

According to a preferred embodiment of the present invention, the short range communication unit 250 connects a communication session between the wireless terminal 140 and the server or the device 100 through short range communication.

The voice processor 255 encodes a voice signal input from a microphone and transmits the encoded audio signal to the wireless processor 245 through the controller 200, and decodes a signal received through the wireless processor 245. And a function of outputting as a voice signal to the speaker via 200. In particular, the voice signal input and output through the voice processor 255 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 245.

The memory unit 260 may include a predetermined program code for controlling the overall operation of the wireless terminal 140 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 140 is provided.

According to a preferred embodiment of the present invention, the memory unit 260 is provided with a prepaid card program as an agent program executable in the wireless terminal 140. In addition, the memory unit 260 is generated by the charging processing unit 225 to balance the amount of charge with the prepaid card function in the wireless terminal 140 until the charge approval code is received from the server or the device 100 on the network. A function of temporarily storing one charging data is provided.

According to another exemplary embodiment of the present invention, the charging data may be generated by the server or the device 100 and provided to the wireless terminal 110. At this time, the charging data is directly received from the server or the device 100 to the wireless terminal 140.

Referring to Figure 2 according to a preferred embodiment of the present invention, the wireless terminal is provided with an IC chip 270 that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, or EMV standards, etc., the IC chip 270 ) And an IC chip interface 265 for performing APDU communication with the IC chip 270 based on the ISO / IEC 7816 for data exchange between the wireless terminal 240 and the wireless terminal 240.

3 is a simple diagram of an IC chip 270 equipped with a prepaid card function.

The IC chip 270 mounted or detached from the wireless terminal 140 is an IC chip 270 mounted or detached from the wireless terminal 140 and includes ISO / IEC 7816 and / or ISO / IEC 14443. Referring to the IC chip standard and the EMV standard, the wireless banking IC chip includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and / or An input / output interface 300 that communicates with the card terminal device through a contact point such as an input / output (I / O), a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, etc. At least one including a processor unit 305 including at least one computing element, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. It consists of a memory unit 310 consisting of the above memory element, in particular the memory At least one of the devices is provided with a Chip Operating System (COS) for managing and operating the smart card internal resources, and at least one or more of the remaining memory devices for providing a service using a smart card IC chip storage information 315 is provided.

The IC chip storage information 315 included in the memory unit 310 on the wireless banking IC chip is a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program, and / or And a processing unit for storing and driving a program module (e.g., JAVA Applet) that can be used by the card terminal program, and the like. In particular, the program processing unit includes a card configuration (e.g., a COS or an open smart card). It is part of a virtual machine, or it works with card configuration.

The prepaid card storage information 320 among the payment account means provided in the wireless banking IC chip is based on at least one IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443, and the banking IC chip standard such as EMV. A prepaid card dedicated file including an identifier for prepaid card storage information, and a plurality of element files including at least one data set and program code required for performing the prepaid card function.

The prepaid card information storage unit (EF IEP) stores the parameters and fixed data of the prepaid card which are recorded or modified while the prepaid card service is provided, and information on the prepaid card encryption key is managed separately in the COS. Information stored in the card information storage unit includes a security parameter, a prepaid card parameter, an issuer identifier, a branch code, a serial number, an algorithm identifier, an issue date, an expiration date, an active date, an inactive date, and the like.

Primary Account Number (PAN) Information storage unit (EF PAN) stores the main account information required when the value is charged with a prepaid card, consisting of a business code, bank code, digit separation code, and account number.

The prepaid card balance storage (EF BAL) stores the stored value balances charged and / or balanced on the prepaid card, the current balance of the prepaid card, the checksum of the current balance (check sum for validation of the balance) , Backup balance, checksum of backup balance, maximum storage limit amount, one-time maximum withdrawal amount, and card transaction serial number.

Last transaction history storage unit (EF LPT) stores the last transaction history that has been successfully executed, transaction type, transaction serial number, total amount, Purchase Secure Application Module (PSAM) identifier, PSAM transaction serial number, transaction amount, and completion code. Etc. are included.

The Purchase Transaction History Storage (EF PLOG) stores at least one recent purchase transaction and cancellation transaction history.The transaction type, transaction serial number, total transaction amount, post-transaction balance, transaction date, PSAM issuer, PSAM identifier, PSAM. Transaction serial number, completion code, etc.

The value filling history storage unit (EF LLOG) stores at least one or more recently made value filling data, and includes a transaction type (eg, value filling), a transaction serial number, a balance after a transaction, a transaction amount, a completion code, and the like.

The parameter update history storage unit (RF ULOG) stores the most recent prepaid card-related parameter update data, and includes the transaction type (e.g., parameter update), transaction serial number, SAM identifier, parameter identifier, pre-update parameter, and post-update parameter. , Completion code, and so on.

The cardholder information storage unit (EF cardholder) stores information about the prepaid cardholder, and thus it is possible to apply a different transportation fare according to the identity of the cardholder when using transportation such as a bus or subway. Cardholder information includes cardholder identification codes and cardholder validity periods.

The transfer information storage unit (EF transfer information) stores the information for the fare discount according to the transfer between transportation means, recently used transportation, bus boarding station code, bus boarding date and time, subway boarding / getting off station code, subway boarding / getting off Station date and time.

According to the present invention, the charging data generated based on the charge amount information input and provided through the input unit provided in the wireless terminal is characterized in that the balance of the prepaid card balance storage unit EF BAL is balanced.

4 is a simplified diagram of wireless ID tag information stored in a storage medium in association with a payment means provided in a card according to a preferred embodiment of the present invention.

The wireless ID tag 135 is a transponder (general term for a wireless transceiver that automatically returns a specific signal in response to an external signal), and is generally made of a single chipset. Active tags, passive tags, and antennas are classified into low frequency tags and high frequency tags according to the frequency band used.

Referring to FIG. 4, the wireless ID tag 135 includes a control unit 400, a memory unit 405, an antenna unit 410, a power supply unit 415, and the like. It is possible to be provided outside the ID tag 135, the power supply 415 is omitted and can be provided through the electromagnetic induction coupling through the antenna unit 410.

The control unit 400 of the wireless ID tag 135 responds to the wireless ID tag information transmission request signal received by the antenna unit 410 of the wireless ID tag 135 through an antenna provided in the wireless ID reader and / or the terminal device. Correspondingly, a process of inputting and outputting wireless ID tag information included in the memory unit 405 and transmitting the input and output wireless ID tag information to the outside through the antenna unit 410 is provided.

The memory unit 405 of the wireless ID tag 135 is a memory for storing wireless ID tag information to be transmitted to the wireless ID reader and / or the terminal device according to the wireless ID tag information transmission request signal transmitted and received through the antenna unit 410. For example, referring to FIG. 4, the memory unit 505 includes a service header 420, a service identifier 425, execution data 430, an error detection code (EDC) 435, and the like. .

The service header 420 of the memory unit 405 stores header information on a service provided by the wireless ID tag 135, and the service identifier 425 is required to identify a service provided by the wireless ID tag 135. The identification code is stored, and the execution data 430 stores a unique code that does not overlap, and the EDC 435 stores a detection code for checking whether an error is issued in the information stored in the memory unit 405.

According to a preferred embodiment of the present invention, the wireless ID tag information may be provided with payment means association data as a non-overlapping unique code stored in the execution data area of the memory unit 405, and the payment means association data is duplicated. It is desirable that the card issuing institution decide or create and manage the information.

Referring to (a) of FIG. 4, the payment means association data stored in the execution data area is first encrypted to be decrypted by the server 100 and secondly encrypted to be decrypted by the wireless terminal 140. The payment means association data before encryption and a decryption key for decrypting the wireless ID tag information encrypted to be decrypted by the server 100 are provided on the card together with the payment means information of the payment means associated with the wireless ID tag information. It is provided. Of course, the wireless terminal 140 of the customer has a decryption key (for example, wireless terminal) for decrypting the wireless ID tag information encrypted to be decrypted by the wireless terminal 140 during the card issuing process and / or purchasing the wireless terminal. Information, or personal information of the customer).

Referring to (b) of FIG. 4, the payment means association data stored in the execution data area is not encrypted, but is transmitted to the wireless terminal 140 of the customer during the card issuance process and / or the wireless terminal purchase process. The payment means association data included in the wireless ID tag information and a PIN (Personal Identification Number) for authenticating the validity of the payment means association data is provided. According to a preferred embodiment of the present invention, the payment means associated data and PIN is included in the prepaid card program provided in the wireless terminal 140 is preferably provided in the wireless terminal 140, or inside the wireless terminal 140 Memory unit 260, or a memory unit on IC chip 270 mounted on or detached from the wireless terminal 140.

In addition, referring to (a) to (b) of FIG. 4, the storage medium includes a card issuing process and / or a purchase of a wireless terminal of a customer, registration of subscriber information with a mobile communication company, or a storage medium through a wireless terminal 140. Access to register and / or update the wireless terminal information (eg, wireless terminal telephone number) of the customer in the storage medium. The wireless terminal information additionally registered and / or updated in the storage medium is provided to the server or the device 100 by a code division multiple access (CDMA) stack, through which the server or the device 100 transmits a wireless ID tag. It is possible to determine the validity of the information.

According to the present invention, (a) to (b) of FIG. 4 are specially described the characteristics of the wireless ID tag information proposed by the present invention, and the actual wireless ID tag information is not encrypted or is a wireless terminal with a PIN. 140 may not be provided. Of course, even when the wireless ID tag information is encrypted, it may be encrypted so as to be decrypted only once in the wireless terminal 140 or the server 100, or may be provided in the wireless terminal 140 together with encryption and a PIN. .

5 is a simple flowchart illustrating a method of charging a prepaid card function in a wireless terminal using wireless ID tag information stored in a storage medium in association with a payment means according to a preferred embodiment of the present invention.

Referring to FIG. 5, in order to charge a prepaid card function provided in the wireless terminal 140 using wireless ID tag information stored in a storage medium in association with a payment means, the wireless terminal 140 and the server or the device are first used. The communication session between the 100 must be connected (500).

According to a preferred embodiment of the present invention, the communication session connection process is a process of accessing the wireless Internet as shown in (a), (b), (c), and (d) of FIG. Prepaid charging interface 120 is provided in the) provides a communication interface for the wireless terminal 140 can access the wireless Internet.

According to another embodiment of the present invention, the communication session connection process is connected to the server or device 100 through a client connected to the Internet, as shown in Figure 7 (a), (b), and (c), The server or device 100 allows the wireless terminal 140 to access the server or the device 100 through a callback URL. The prepaid interface 120 provided in the server or the device 100 is used. ) Provides a communication interface for a wireless connection using callback UE.

When the communication session between the wireless terminal 140 and the server or the device 100 is connected, it determines a charging method for the prepaid card function provided in the wireless terminal 140 (505). In the case of FIG. 6, the charging method of the prepaid card function is determined in (c) and (d), and the charging method is determined in (a) of FIG.

If the charging method of the prepaid card function provided in the wireless terminal 140 does not use the wireless ID tag 135 as suggested by the present invention (510), the wireless terminal 140 and / or the server or device ( In operation 515, the charge amount is charged to the prepaid card function through a charging method other than the wireless ID tag 135.

On the other hand, if the charging method of the prepaid card function provided in the wireless terminal 140 uses the wireless ID tag 135 as suggested by the present invention (520), the server or device 100 is the wireless terminal 140 of FIG. Request information on the amount of charge corresponding to the amount of charge to be charged by the prepaid card function provided in the wireless terminal 140 and wireless ID tag information required to extract the charging means for charging the prepaid card function from a storage medium. In step 525, the process is performed by the prepaid charging interface 120 provided in the server or the device 100.

According to the preferred embodiment of the present invention, when the server or the device 100 requests the charge amount information and the wireless ID tag information from the wireless terminal 140 as described above, the screen of the wireless terminal is shown in FIG. (f) or as shown in (d) to (e) of FIG. Referring to a preferred embodiment of the present invention and to Figures 6 to 7, although the charge amount is input first and the wireless ID tag information is extracted, the order may be changed in practice.

When the server or the device 100 requests the charge amount information and the wireless ID tag information from the wireless terminal 140 as described above, the wireless terminal 140 inputs the input unit as shown in (e) of FIG. 6 to (d) of FIG. Through 205, a charge amount is input to a prepaid card function provided in the wireless terminal 140, and the charged amount is provided to the charge processor 225.

According to a preferred embodiment of the present invention, when the charge amount to be charged by the prepaid card function provided in the wireless terminal 140 is input through the input unit 205, the input unit 205 is the charge processing unit 225 The charging processing unit 225 provides the charging data required for balancing the charging amount corresponding to the charging amount information to the prepaid card function provided in the wireless terminal 140 according to the preferred embodiment of the present invention. It generates and temporarily stores in the memory (530).

If the charge amount information is input through the input unit 205 as described above, and the charge data for balancing the charge amount corresponding to the charge amount information to the prepaid card function in the wireless terminal 140 according to a preferred embodiment, The wireless ID extracting unit 240 of the wireless terminal 140 automatically activates a function of extracting wireless ID tag information from the wireless ID tag 135, (f) to (e) of FIG. Request the customer to access the wireless terminal 140 with a card having the wireless ID tag 135 stored therein stored in the storage medium in association with payment means information and / or card information. In operation 535, the wireless ID tag information is extracted from the wireless ID tag 135 accessing the wireless terminal 140.

After the wireless terminal 140 extracts the wireless ID tag information stored in the storage medium by being processed in association with the payment means information and / or the card information as described above, the extracted wireless ID tag information is displayed as shown in FIG. If the wireless terminal 140 is encrypted to be decrypted, the decryption unit 215 provided in the wireless terminal 140 decrypts the wireless ID tag information (eg, the decryption key is provided in the wireless terminal memory unit). Or input from a customer through a key input unit), and when the wireless terminal memory unit 260 is provided with PIN-based wireless ID tag information as shown in FIG. The PIN is input through the key input unit 235 provided at the terminal), and the PIN is determined to match the PIN of the PIN-based wireless ID tag information included in the wireless terminal 140. Customers of the confidentiality of security (Confidentiality), authentication (Authentication), integrity (Integrity), and Mrs. prevent (Nonrepudiation) to determine the validity information, the wireless ID tags that include to determine the light (540). Of course, if the wireless ID tag information is not encrypted to be decrypted in the wireless terminal 140 or if the wireless terminal 140 is not provided with the PIN-based wireless ID tag information, the process of determining the validity of the wireless ID tag information is omitted. It may be.

If the validity of the wireless ID tag information is not authenticated in the process (545), the wireless terminal 140 has a wireless ID tag 135 to the customer as shown in (f) to (e) of FIG. A request is made to access the attached card, and the process of extracting wireless ID tag information from the wireless ID tag 135 and determining validity is repeated.

On the other hand, the charge amount is input as described above, and charge data for charging the charge amount information and the charge amount information corresponding to the charge amount information to the prepaid card function provided in the wireless terminal 140 is generated, and also the wireless ID tag 135 When the validity of the extracted wireless ID tag information is verified (550), the transmitting unit 220 of the wireless terminal 140 is the charge amount information and (g) of Figure 6 (f) and Figure 7 (f) And / or transmitting the wireless ID tag information to the server 100 through the communication session, and charging the charge with the prepaid card function provided in the wireless terminal from the server 100 with a charge approval code or an error message. If not approved) and the like to receive (555).

(Hereinafter, description of Figure 5 (b))

As described above, when the charge amount information and the wireless ID tag information are received from the wireless terminal 140 to the server or the device 100 on the network, the server or the device 100 indicates that the received wireless ID tag information is shown in FIG. In the case where the server or the device 100 is encrypted so as to be decrypted as in a), the decryption unit 215 provided in the server or the device 100 decrypts the wireless ID tag information (for example, the storage key is a storage medium. A code division multiple access (CDMA) stack if the storage medium is provided with wireless terminal information (e.g., wireless terminal telephone number). Extracting the wireless terminal information from a packet of charge amount information and / or wireless ID tag information received through a prepaid charging interface based on the By comparing the information with the wireless terminal information provided in the storage medium, the validity of the wireless ID tag information including determining the confidentiality, authentication, integrity, nonrepudiation, etc. of the customer with respect to the wireless ID tag information is determined. (500a). Of course, when the wireless ID tag information is not encrypted to be decrypted by the server or the device 100 or when the wireless terminal information is not provided in the storage medium, the process of determining the validity of the wireless ID tag information may be omitted.

If the validity of the wireless ID tag information is not authenticated in the process (505a), the server or the device 100 generates an error message and transmits it to the wireless terminal 140 through the communication session, the wireless terminal 140 ), The error message is output (510a).

On the other hand, if the validity of the wireless ID tag information is authenticated (515a), the server or device 100 extracts the payment means information and / or card information stored in association with the wireless ID tag information from the storage medium, The payment means information and / or card information is determined as the charging means of the prepaid card function provided in the wireless terminal 140 (520a).

When the charging means of the prepaid card function provided in the wireless terminal 140 is determined as described above, the server or the device 100 determines the payment means information (eg, payment means information extracted from the storage medium) and / or based on the charging means. Alternatively, if the card information corresponds to a credit card, a payment server for charging a prepaid card function provided in a wireless terminal through credit card payment and / or a financial server (for example, payment means information extracted from a storage medium is stored in a bank account). In this case, it is determined whether or not the charge amount can be charged by the prepaid card function in the wireless terminal 140 through a bank transfer, etc. through a bank transfer to charge the prepaid card function provided in the wireless terminal (525a). ).

For example, when the payment means information and / or card information extracted from the storage medium is a credit card, the possibility of accepting the credit card payment of the customer corresponds to the possibility of charging the amount by the prepaid card function in the wireless terminal 140. In addition, when the payment means information extracted from the storage medium is a bank account, the amount of charge can be charged by the prepaid card function in the wireless terminal 140 only when the balance of the galaxy account is larger than the charge amount.

If the validity of the charge is not authenticated by the prepaid card function in the wireless terminal 140 (530a), the server or the device 100 generates an error message to generate the wireless terminal 140 through the communication session. The error message is output to the wireless terminal 140.

On the contrary, if the validity of the charge is authenticated by the prepaid card function in the wireless terminal 140 (535a), the server or the device 100 corresponds to the payment means information through the payment server or the financial server 145. The amount of money corresponding to the charged amount is transferred from the card corresponding to the payment means and / or the card information to the prepaid card function provided in the wireless terminal 140 (540a).

For example, if the payment means information and / or card information corresponding to the charging means is a credit card, payment processing corresponding to the charge amount through the credit card. Or, if the payment means information corresponding to the charging means is a bank account, the account transfers as much as the amount of the charge from the bank account.

If the amount of money corresponding to the amount of the charge is transferred from the payment means and / or card to the prepaid card function provided in the wireless terminal 140 through the above process, the server or device 100 charge approval code Generate and transmit to the wireless terminal 140 through the communication session (545a).

According to a preferred embodiment of the present invention, the charge approval code is a protocol promised between the transmission unit 220 provided in the wireless terminal 140 and the server or the device 100, and is provided in the wireless terminal 140. The charging processing unit 225 includes a Boolean code that authorizes the charging unit 225 to charge the amount corresponding to the charging amount through the prepaid card function provided in the wireless terminal 140 through the charging data.

According to another exemplary embodiment of the present invention, if charging data corresponding to the charging amount information is not generated in the process of generating the charging amount information by inputting the charging amount in the wireless terminal 140, the server or the device 100 In addition to the charge approval code, it is possible to directly generate the charge data and transmit it to the wireless terminal 140.

When the charging approval code is received by the wireless terminal 140 through the above process, the charging processing unit 225 included in the wireless terminal 140 uses the charging data on the basis of the charging approval code. In step 550a, a prepaid card function provided in FIG. 140 balances the charged amount as much as the charged amount.

When the charge amount is charged by the prepaid card function provided in the wireless terminal 140, the amount charged by the prepaid card function provided in the wireless terminal 140 as shown in (h) to (g) of FIG. The total amount charged in the prepaid card function is output (555a).

According to the present invention, a predetermined prepaid card provided in a wireless terminal using a card having at least one payment means and a radio frequency identification (ID) tag for storing predetermined wireless ID tag information associated with the payment means. By charging the prepaid card function in the prepaid card function, when making a payment with a prepaid card, there is an advantage that the prepaid card can be used more conveniently by preventing the inconvenience of charging the prepaid card in advance. .

Claims (2)

A storage medium for linking and storing tag information stored in a wireless ID tag and payment means information associated with the tag information; Receives tag information and prepaid card function charge amount information from a mobile phone, checks payment means information associated with the received tag information through the storage medium, and uses the checked payment means information as the charge amount. A prepaid card function charging system comprising: a server (or apparatus) for processing a prepaid card function to be charged. The method of claim 1, wherein the server (or device), And a decryption unit configured to decrypt the encrypted tag information by using a decryption key when the tag information is encrypted by an encryption key.

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