KR20090000808A - System for payment processing using on-board unit and method for pament processing using the on-board unit - Google Patents

Abstract

A payment processing system using a toll calculating terminal for vehicles through OBU and a method thereof are provided to allow a user not to need to get off the vehicle to pay the toll. An OBU(20) communicates with a mobile communication terminal(10) with a first near field communication system and communicates with a payment processing device(30) with a second near field communication system distinguished from the first near field communication system. The payment processing device, equipped in a member store of a prepaid type electronic money card which is mounted on OBU, performs the payment processing while communicating with OBU though the second near field communication system. The payment processing device transmits a payment completion signal to OUB after storing a payment breakdown according to a payment processing request signal.

Description

Payment processing system using vehicle toll settlement terminal and payment processing method {SYSTEM FOR PAYMENT PROCESSING USING ON-BOARD UNIT AND METHOD FOR PAMENT PROCESSING USING THE ON-BOARD UNIT}

1 is a view schematically showing the overall configuration of a payment processing system using an OBU according to an embodiment of the present invention,

FIG. 2 is a diagram illustrating a vehicle being fueled at the gas station of FIG. 1 and a circuit breaker installed in front of the gas station;

3 is a detailed block diagram of the main part of the payment processing system using the OBU of FIG.

4 is a diagram illustrating an example of a payment processing flow in a payment processing system using an OBU according to an embodiment of the present invention.

5 is a diagram illustrating another example of a payment processing flow in a payment processing system using an OBU according to an embodiment of the present invention.

6 is a diagram illustrating an example of a screen displayed on a display unit of the mobile communication terminal of FIGS. 4 and 5.

* Explanation of symbols for the main parts of the drawings

10: mobile communication terminal 11: near field communication module

12: control unit 14: key input unit

15: display unit 20: OBU (On Board Unit)

21: first short-range wireless communication module 22: control unit

24: smart card interface 25: the second short-range wireless communication module

30: payment processing device 31: wireless transceiver

32: payment processing server 33: breaker control device

40: Settlement Server

The present invention relates to a payment processing system using an OBU and a method for processing the payment. More specifically, when a driver of a vehicle equipped with an OBU purchases goods / services at an affiliate store of an OBU prepaid electronic money card, the OBU and a near field wireless device are provided. The present invention relates to a payment processing system using an OBU and a payment processing method thereof, which enables an OBU to perform a payment processing using a mobile communication terminal.

Conventional toll collection methods for toll roads, such as expressways, require the toll collector to collect the toll manually at the exit toll gate after receiving a prepaid card or pass at the toll gate, or in some sections, the toll collector manually at the road toll gate. Tolls are being collected. This is caused by vehicle congestion due to vehicles stopping at the toll gate for toll collection, and there are various problems such as increase in labor costs due to the arrangement of the toll collector and expenditure due to issuance of prepaid cards or toll tickets.

Therefore, to solve the above problems and to minimize the inconvenience and traffic delays caused by toll collection, and to introduce the intelligent transportation system for the purpose of computerizing toll collection, A toll payment terminal (“OBU”) is installed in a vehicle to install a wireless transmission / reception system and automatically settle the toll by the wireless transmission / reception system and the wireless communication method. HIGHPASS is being implemented to collect tolls.

In the high pass system, a high pass card (smart card, etc.) is detachably inserted into an OBU mounted on a vehicle, and the OBU reads data from the high pass card and inputs data into the high pass card. The high pass card is installed in the card insertion unit of the OBU, and the interface between the high pass card and the OBU is made through a contact method, and the high pass payment is possible only when the high pass card is inserted into the OBU.

As such, when an OBU with a high pass card is inserted into a vehicle, the toll collection is possible automatically while driving, and the number of users is increasing.

On the other hand, when a driver, such as a car, purchases goods / services such as refueling at a gas station or buying goods at a rest area, there are two ways to pay for the goods / services.

The first is to pay directly in cash, and the second is to use plastic cards such as credit and debit cards.

However, when paying directly in cash, there is an inconvenience in that the driver must always carry the necessary amount in cash. Thus, the use of plastic cards such as credit cards and debit cards is increasing.

However, even in the case of using such a credit card, a problem usually occurs when the terminal for credit card payment is often located away from the driver. For example, a driver who pays a credit card after refueling at a gas station presents his or her own credit card to the employee, and the employee moves to the gas station office with the credit card. After the payment is processed, the credit card is returned with the receipt issued and returned to the customer. However, there is a possibility that the driver in the vehicle does not directly process the payment, so there is a possibility of fraudulent use of the credit card.

In particular, the driver of a car equipped with an OBU does not have to hold cash for processing tolls by automatically calculating tolls such as a high-altitude road, and the OBU is used to shorten the waiting time to the destination by reducing the waiting time. In order to make payments at gas stations on highways, you need to carry cash, or you must carry and present a separate payment card other than the prepaid smart card installed in OBU, What has to be done is not only to fade the advantages of mounting the OBU on the vehicle, but also to bring great inconvenience to the motorist.

The present invention has been made to solve the above-mentioned problems, the purpose of the payment processing when purchasing goods / services at the merchant of the prepaid electronic money card mounted on the OBU using the OBU used for payment processing for road traffic It is to provide a payment processing system and method using the OBU configured to be.

In order to achieve the above object, the payment processing system using the OBU according to the present invention communicates with a wireless communication device equipped with a prepaid electronic money card and is provided at a toll gate on the road and charges the road toll with the charge of the prepaid electronic money card. A system comprising an On Board Unit (OBU) for payment processing, the system comprising: a mobile communication terminal; An OBU communicating with the mobile communication terminal in a first local area communication method and communicating with a payment processing device in a second local area communication method that is distinct from the first local area communication method; It is provided in the merchant of the prepaid electronic money card mounted in the OBU, and comprises a payment processing device for performing a payment processing while communicating with the OBU in the second short-range communication method, providing goods / services from the merchant When the mobile communication terminal transmits a payment request signal including a payment amount according to a user's operation, the electronic money card installed in the OBU is transmitted through the communication between the OBU receiving the payment request signal and the payment processing device. The payment is deducted by the payment amount and the payment process is performed.

In addition, the payment processing method using the OBU according to the present invention in order to achieve the above object is to communicate with the mobile communication terminal, a wireless communication device equipped with a prepaid electronic money card in the toll gate on the road. The toll payment processing is performed according to the OBU communicating with the mobile communication terminal and the payment processing device, and a merchant of a prepaid electronic money card mounted in the OBU, and communicates with the OBU in a short range wireless communication method to perform a payment processing. A payment processing system using an OBU configured to include a payment processing device, comprising: transmitting, by the mobile communication terminal, a payment request signal including a payment amount according to a user's operation of receiving a goods / service from the affiliated store; The OBU receiving the payment request signal, attempting short-range wireless communication with the payment processing device; And performing the payment processing on the payment amount while the payment amount is subtracted from the charge amount of the prepaid electronic money card mounted in the OBU by short-range wireless communication between the OBU and the payment processing device.

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

1 is a view schematically showing the overall configuration of a payment processing system using an OBU according to an embodiment of the present invention.

As shown in the figure, the payment processing system using the OBU according to an embodiment of the present invention is a mobile communication terminal 10, OBU (On Board Unit) 20, the payment processing device 30 of the gas station, electronic It is configured to include the settlement server 40 of the monetary company. In the present embodiment, the payment is made at the gas station as the card merchant will be described as an example.

The mobile communication terminal 10 communicates with the OBU 20 in a short-range communication method as the user operates for payment processing, etc., so that the prepaid smart card (not shown) mounted on the OBU 20 from the OBU 20 can be connected. The balance is received and displayed, and the payment request signal is transmitted to the OBU 20 according to the user's selection.

The mobile communication terminal 10 according to the present invention is a small portable terminal having a size suitable for carrying by a user while at least performing data communication by connecting to a wireless communication network such as a mobile phone and a personal digital assistant (PDA). desirable. The configuration of the mobile communication terminal 10 will be described in detail with reference to FIG. 3.

The OBU 20 is a device mounted on a vehicle and communicating with an OBU receiving apparatus provided at a toll gate to perform toll payment processing according to highway traffic. The OBU 20 is a short-range wireless communication method with a mobile communication terminal 10 and a payment processing system. Communicate

The OBU 20 may be configured to mount (embedded or inserted) a prepaid smart card so as to read predetermined information from a prepaid smart card (not shown) or to store predetermined information in the prepaid smart card. .

The smart card is a credit card sized plastic card with an integrated circuit chip that has the ability to handle a specific transaction by having a microprocessor, a card operating system, a security module, and a memory. IC cards defined in the ISO standard, smart cards defined in the smart card forum, and other cards called chip cards, microprocessor cards, CPU cards, super smart cards, and crypto cards.

In particular, the prepaid smart card is a card configured to be able to make a payment using a charged amount by charging a certain amount at a charging station. Due to the property that payment is processed immediately without going through the network, the prepaid smart card is widely used because it is suitable to be used as a payment card on a high pass system such as a highway.

Meanwhile, the OBU 20 and the prepaid smart card may be connected in a contact or contactless manner. In the case of a contact prepaid smart card, a terminal for connection is exposed in one area of the card, and the non-contact prepaid smart card is connected. In the case of a card, a module for RF communication is embedded in the card.

Since the communication between the OBU 20 and the prepaid smart card is already known, a detailed description thereof will be omitted and the payment is made only when the prepaid smart card is installed in the OBU 20 (including contact and non-contact), that is, in an integrated state. Since necessary operations such as processing are possible, in the following description of an embodiment of the present invention, the description of the communication flow with the prepaid smart card may be omitted when describing the operation of the OBU 20. That is, for example, when a predetermined amount of money is stored in a prepaid smart card, it is finally made by wired or wireless communication between the OBU 20 and the prepaid smart card. In this case, the OBU 20 stores a predetermined amount of money. It can be described that a predetermined amount of money is stored in the prepaid smart card by the OBU 20 without the description of the process of transmitting a signal for receiving the prepaid smart card and receiving the transmitted signal. The configuration of the OBU 20 will be described in detail with reference to FIG. 3.

On the other hand, the payment processing device 30 of the gas station is provided at the gas station which is a merchant of the prepaid electronic money card mounted on the OBU 20 to communicate with the OBU 20 in a short-range wireless communication method, the customer is a mobile communication terminal ( In the case of paying the fueling cost using 10), payment processing is performed through communication with the OBU 20.

On the other hand, in the gas station as shown in Figure 2, the breaker 50 which is operated by a motor (not shown) is installed in front of the vehicle 70 is refueling through the gas tank 60 is installed only when the payment is completed The breaker 50 is opened to allow passage. That is, the payment processing device 30 of the gas station transmits a control signal to the breaker 50 in the gas station when the payment processing is completed so that the breaker 50 is opened.

The configuration of the payment processing device 30 will be described in detail with reference to FIG. 3.

The settlement server 40 of the electronic money company receives payment details from the payment processing device 30 of the gas station and processes the settlement. That is, the amount corresponding to the corresponding amount based on the payment history transmitted to the electronic money company from the payment processing device 30 of the gas station after the payment is processed using the prepaid smart card payment installed in the OBU 20. It is settled by being transferred to a specific bank account of a gas station. As a result, the affiliated stores such as gas stations can provide the goods / services without receiving cash from the customer and receive the corresponding amount by going through the settlement process 40 of the electronic money company.

The settlement server 40 of the electronic money company may be connected to the payment processing device 30 of the gas station through a Transmission Control Protocol / Internet Protocol (TCP / IP) network. The TCP / IP network may be, for example, an Internet network.

Figure 3 is a detailed block diagram of the main part of the payment processing system using the OBU 20 according to an embodiment of the present invention.

As shown in the figure, the mobile communication terminal 10 includes a short range wireless communication module 11, a key input unit 14, a display unit 15, and a control unit 12.

Here, the short range wireless communication module 11 is for short range wireless communication with the OBU 20, for example, Bluetooth, Zigbee, binary CDMA (Binary cdma) communication method or high frequency / low frequency RF method. Can be used.

The short range wireless communication module 11 may be externally attached to the mobile communication terminal 10. In this case, the external short range wireless communication module 11 may be used for charging and serial data communication of the mobile communication terminal 10. It can be connected to a 24-pin port. Of course, the near field communication module 11 may be inserted into the mobile communication terminal 10 in a built-in manner.

Meanwhile, in the present embodiment, the mobile communication terminal 10 and the OBU 20 will be described as being limited to a communication interface by a short range wireless communication method. However, the present invention is not limited thereto and the mobile communication terminal 10 and the OBU ( Of course, it is possible to use a serial communication interface by a short-range wired communication method. In this case, the short range wireless communication module may be replaced with a short range wire communication module.

The key input unit 14 is configured to include input keys for inputting numbers and letters and function keys for selecting a function by the user, and in particular, checks the balance remaining on the prepaid smart card from the OBU 20, A specific function key may be provided to request a payment accordingly. The key input unit 14 transmits a signal according to a key operation by the user to the control unit 12.

The display unit 15 includes, for example, a liquid crystal display to display letters and numbers or display a function menu screen under the control of the controller 12, and also display text and images. In particular, the balance information of the prepaid smart card transmitted from the OBU 20 or the payment processing completion information according to the payment processing is displayed.

The controller 12 controls the components of the entire mobile communication terminal 10 including the short range wireless communication module 11, the key input unit 14, the display unit 15, and the like. In particular, the control unit 12 establishes a communication channel with the OBU 20 through the short range wireless communication module 11 to receive the balance information of the prepaid smart card from the OBU 20, and also provides a payment request signal according to a user's selection. Is transmitted to the OBU 20.

The OBU 20 includes a first short range wireless communication module 21, a second short range wireless communication module 25, a smart card interface 24, and a controller 22.

The first short range wireless communication module 21 is for communication with the mobile communication terminal 10, and includes a Bluetooth, Zigbee, binary CDMA (Binary cdma) communication method or a high frequency / low frequency RF method. At least one of various communication schemes may be supported.

On the other hand, the second short range wireless communication module 25 is for communication with the payment processing device 30 of the gas station, and the second short range wireless communication module 25 may also use any one of various communication methods. In order to prevent interference with communication with the mobile communication terminal 10 by the short range wireless communication module 21, it is preferable to select a frequency and a modulation method appropriately.

The smart card interface 24 is contacted or contactlessly connected to the prepaid smart card inserted or mounted in the OBU 20 to read information from the prepaid smart card or to input predetermined information into the smart card.

The controller 22 controls the components of the entire OBU 20 including the first short range wireless communication module 21, the second short range wireless communication module 25, the smart card interface 24, and the like. In particular, the control unit 22 reads the balance information from the prepaid smart card through the smart card interface according to the balance information request received from the mobile communication terminal 10 through the first short-range wireless communication module 21. 10), and communicates with the payment processing device 30 of the gas station through the second short-range wireless communication module 25 according to the payment request from the mobile communication terminal 10 to perform the payment processing. In this case, the controller 22 may control the new balance to be updated and stored in the prepaid smart card mounted through the smart card interface 24.

On the other hand, the payment processing device 30 of the gas station is configured to include a wireless transmission and reception device 31, the breaker control device 33, the payment processing server 32.

The wireless transceiver 31 communicates with the second short range wireless communication module 25 of the OBU 20 to transmit a signal received from the payment processing server 32 to the second short range wireless communication module 25 of the OBU 20. In contrast, a signal transmitted from the second short range wireless communication module 25 is transmitted to the payment processing server 32.

The wireless transceiver 31 may be in a standby state and then switched to an active state according to a control signal transmitted from the OBU 20 to form a communication channel with the second short range wireless communication module 25 of the OBU 20. . That is, in order to minimize power consumption, the wireless transceiver 31 is a power saving mode, that is, a power source except for a part of the components constituting the wireless transceiver 31 that detects a signal from the second short-range wireless communication module 25. While maintaining the non-supply state, when receiving the wake-up signal from the second short range wireless communication module 25, the second short range wireless communication module 25 generates an interrupt signal to supply power to the remaining components. Communication with the system may be enabled.

The payment processing server 32 allows the payment processing according to fueling to be performed based on the signal transmitted from the wireless transmission / reception apparatus 31. That is, the payment processing server 32 stores the details of payment processing through communication with the control unit 22 of the OBU 20, and transmits a signal to the OBU 20 that the payment processing is completed, and subsequently the electronic money company. The settlement process is communicated with the settlement server 40. The payment processing server 32 may include an encryption module (key management module) such as PSAM (Purchase Secure Application Module) for encryption communication, authentication processing with a prepaid smart card installed in the OBU 20. . Since the contents of the PSAM and the OBU 20 prepaid smart card authentication, encryption key generation and message encryption are well known, a detailed description thereof will be omitted.

In addition, the payment processing server 32 transmits a control signal to the circuit breaker control device 33 when the payment processing is completed to open the circuit breaker 50 provided at the gas station to refuel, so that the vehicle that has completed the payment passes. .

Hereinafter, an example of a payment processing flow in a payment processing system using the OBU 20 according to an embodiment of the present invention will be described in detail with reference to FIG. 4.

Here, it is assumed that the mobile communication terminal 10 and the OBU 20 configured as described above have completed the registration process. In the registration process, for example, a function for registering the OBU 20 is selected by a user through the manipulation of the key input unit 14 in the mobile communication terminal 10, thereby controlling the control unit of the mobile communication terminal 10. 12 may be performed by a pairing process or the like attempted by the control of 12). This process may be necessary to prevent collisions with devices having the same communication method in the vicinity of the wireless interface rather than the wired interface.

First, the controller 12 of the mobile communication terminal 10 checks whether an event for short-range communication with the OBU 20 occurs (step S1). Here, the event may occur, for example, when the external short range wireless communication module is mounted to the mobile communication terminal 10 through a 24-pin port for charging and data communication, or the mobile communication terminal 10 communicates with the OBU 20. It may occur at the time of entering the area capable of short-range wireless communication, or may occur at the time when the user operates the key input unit 14 to select a communication mode with the OBU 20. Meanwhile, when wired serial communication is performed between the mobile communication terminal 10 and the OBU 20, the event may include a communication pin between the mobile communication terminal 10 and the OBU 20, for example, a 24-pin port for charging and data communication. This may occur when the mobile terminal is mounted on the mobile communication terminal 10, or may occur when a user selects a communication mode of the OBU 20 by manipulating the key input unit 14.

When an event for near field communication with the OBU 20 occurs, the control unit 12 of the mobile communication terminal 10 controls to set a communication mode for communication with the OBU 20 in the near field communication module (step S2).

Accordingly, the short-range wireless communication module of the mobile communication terminal 10 makes a communication request to the first short-range wireless communication module 21 of the OBU 20 by using the on-board wireless communication protocol and the first of the OBU 20. Signaling for establishing a wireless communication channel, such as receiving a communication request response from the short range wireless communication module 21, and accordingly, a first short distance between the short range wireless communication module of the mobile communication terminal 10 and the OBU 20. A wireless communication channel is established between the wireless communication modules 21 (step S3).

The steps from the event occurrence to the establishment of the wireless communication channel may be performed simultaneously with the request for balance information according to the operation of the key input unit 14 of the user described below.

The control unit 12 of the mobile communication terminal 10 transmits the balance information request signal to the OBU 20 through the short range wireless communication module 11 at the user's request (step S4). The controller 22 of the OBU 20 that receives the balance information request signal through the first short-range wireless communication module 21 reads the balance information stored in the prepaid smart card through the smart card interface 24, and the balance Information is transmitted via the first short range wireless communication module 21 (step S5).

The control unit 12 of the mobile communication terminal 10 having received the balance information through the short range wireless communication module 11 controls the balance information to appear on the display unit 15 (step S6). Accordingly, the user can check the balance remaining on the prepaid smart card mounted on the OBU 20. If the balance is larger than the amount to be paid, the balance may be requested to be processed.

That is, the control unit 12 of the mobile communication terminal 10 transmits a payment request signal through the short range wireless communication module 11 according to a user's request (step S7). The payment request signal includes a payment amount requiring payment processing by the user's input key operation. For example, the user may input a payment amount for payment by operating an input key and then press a specific key for transmitting a payment request signal to transmit a payment request signal including the payment amount.

The control unit 22 of the OBU 20 receiving the payment request signal through the first short range wireless communication module 21 generates a wakeup signal for waking the wireless transceiver 31 from the standby state to the active state. The wireless transmitting / receiving device 31, which has been transmitted via the two short-range wireless communication module 25 (step S8) and receives the wake-up signal, switches to the activated state (step S9).

Here, the wireless transceiver 31 maintains a state in which power is supplied only to a minimum of components including a wireless communication receiver (not shown). When receiving the wake-up signal from the OBU 20, wireless communication is performed by an interrupt signal. Power may be supplied and activated to each unit including a transmitter (not shown).

As a result, a communication channel is established between the OBU 20 and the radio transceiver 31 (step S10) so that signals can be transmitted to and received from each other.

After the communication channel is established, the payment processing preparation signal is transmitted and received between the control unit 22 and the payment processing server 32 of the OBU 20 through the second short range wireless communication module 25 and the wireless transmission / reception apparatus 31 (step) S11). The payment processing ready signal includes a signal for checking whether the payment processing server 32 is ready to perform the payment processing.

Subsequently, the control unit 22 of the OBU 20 subtracts the payment amount from the current balance remaining in the prepaid smart card, and stores the remaining balance after the deduction in the prepaid smart card (step S12). That is, in detail, the control unit 22 of the OBU 20 reads the current balance remaining in the prepaid smart card through the smart card interface 24 and transmits the current balance from the mobile communication terminal 10 in the current balance. The amount of the settled payment is subtracted, and the balance after the deduction is controlled to be stored in the prepaid smart card through the smart card interface 24.

The control unit 22 of the OBU 20 transmits a payment processing request signal including a result of subtracting the payment amount through the second short range wireless communication module 25 (step S13).

The payment processing server 32 receiving the payment processing request signal through the wireless transceiver 31 stores the payment details including the results processed by the controller 22 of the OBU 20 (step S14), and the payment processing. The completion signal is transmitted through the radio transceiver 31 (step S15).

Accordingly, the control unit 22 of the OBU 20 receiving the payment processing completion signal through the second short-range communication module transmits a payment processing completion signal including a balance remaining in the prepaid smart card after the first short-range wireless communication module. Transmit through step 21 (step S17).

As shown in FIG. 6, the control unit 12 of the mobile communication terminal 10 receiving the payment processing completion signal through the short range wireless communication module 11 displays a payment processing completion screen including the remaining balance on the prepaid smart card. Control to appear on (Step S18).

Meanwhile, the payment processing server 32 transmits a control signal to the breaker control device 33 after transmitting the payment processing completion signal so that the breaker 50 is opened (step S19). As a result, vehicles that have completed payment after refueling can pass.

The payment details accumulated and stored in the payment processing server 32 may be settled by being transmitted to the electronic money settlement server 40 as once a day (step S20). That is, based on the payment history transmitted to the electronic money settlement server 40, the amount corresponding to the payment history is deposited in the gas station holding account may be settled.

Hereinafter, another example of a payment processing flow in a payment processing system using the OBU 20 according to an embodiment of the present invention will be described with reference to FIG. 5.

The present embodiment differs from the previous embodiment described with reference to FIG. 4 in that the calculation for subtracting the payment amount is made by the payment processing server 32 of the gas station instead of the OBU 20.

In the description of this embodiment, the description of the same parts as in the previous embodiment can be omitted.

In the state where transmission and reception of a payment processing preparation signal are made (step S11), the controller 22 of the OBU 20 transmits a payment processing request signal through the second short-range wireless communication module 25 (step S13 ′). In this case, the payment processing request signal includes a current balance and a payment amount of the prepaid smart card installed in the OBU 20.

The payment processing server 32 receiving the payment processing request signal through the wireless transmission and reception device 31 subtracts the payment amount from the current balance remaining in the prepaid smart card and stores the payment details (step S14 '). The payment processing completion signal including the balance after the deduction is transmitted through the radio transceiver 31 (step S15 ').

The control unit 22 of the OBU 20 that receives the payment processing completion signal through the second short range wireless communication module 25 controls the smart card interface 24 so that the balance after the deduction is stored in the prepaid smart card (step) S16). The subsequent steps are the same as in the above-described embodiment and thus will be omitted.

Accordingly, the driver of the vehicle equipped with the OBU 20 can safely and quickly and conveniently pay the bill after the fueling at the gas station.

In the above-described exemplary embodiments, the payment is made at the gas station as an affiliate store of the prepaid smart card installed in the OBU 20 as an example. Of course, the present invention can be applied wherever it can be provided.

Therefore, the present invention is not limited to the above specific embodiments, but can be modified and modified in various ways without departing from the spirit of the present invention. It will be apparent that such variations and modifications are included in the present invention as long as they belong to the appended claims.

As described above, according to the present invention, when a driver of a vehicle equipped with an OBU or the like pays for goods / services, a credit card or the like is not presented to the employee since the payment can be made directly through the OBU using a mobile terminal. This eliminates the possibility of fraudulent use of credit cards and eliminates the hassle of getting out of the car for payment.

In addition, by using the amount charged in the smart card, the driver of the vehicle, etc. do not have to carry cash separately, and the gas station can reduce other costs in cash management.

In addition, since a change processing process is not necessary, the payment processing process is quickly performed, for example, so that the average fueling time per vehicle is reduced, so that the vehicles equipped with the OBU can reduce the waiting time for fueling at the gas station.

Claims (10)

A system comprising an OBU (On Board Unit) equipped with a prepaid electronic money card and communicating with a wireless communication device provided at a toll gate on a road to pay a road toll with a charge of the prepaid electronic money card. A mobile communication terminal; An OBU communicating with the mobile communication terminal in a first local area communication method and communicating with a payment processing device in a second local area communication method that is distinct from the first local area communication method; It is provided in the merchant of the prepaid electronic money card mounted in the OBU, and comprises a payment processing device for performing a payment processing while communicating with the OBU in the second short-range communication method, When the mobile communication terminal transmits a payment request signal including a payment amount according to a user's operation of receiving a goods / service from the affiliated store, the OBU receiving the payment request signal and the payment processing device communicate with each other. The payment processing system using the OBU characterized in that the payment processing is performed while the charge amount of the electronic money card mounted in the OBU is deducted by the payment amount. The method of claim 1, When the OBU receives a payment request signal including a payment amount input by the user from the mobile communication terminal, the OBU deducts the payment amount from the charge remaining on the prepaid electronic money card. After the card is stored in the card, the payment processing request signal including the payment details is transmitted to the payment processing device, The payment processing apparatus stores the payment details according to the payment processing request signal and transmits a payment processing completion signal to the OBU, The OBU receiving the payment processing completion signal transmits the payment processing completion signal to the mobile communication terminal, And the mobile communication terminal displays a payment processing result on a display unit based on the payment processing completion signal. The method of claim 1, When the OBU receives a payment request signal including a payment amount input by a user from the mobile communication terminal, the OBU receives a payment processing request signal including the payment amount and a remaining amount of money on the prepaid electronic money card. To the processing unit, The payment processing apparatus subtracts the payment amount from the recharge amount according to the payment processing request signal, stores the details, and transmits a payment processing completion signal including the remaining balance to the OBU. The OBU causes the received deducted balance to be stored in the prepaid electronic money card and transmits the payment processing completion signal to the mobile communication terminal. And the mobile communication terminal displays a payment processing result on a display unit based on the payment processing completion signal. The method according to any one of claims 1 to 3, The payment processing device includes a wireless transmission and reception device for performing wireless communication with the OBU, When the OBU receives the payment request from the mobile communication terminal, the OBU transmits a wakeup signal to the wireless transmission / reception device. The wireless transmission and reception device is switched from the standby state to the active state according to the wake-up signal to form a communication channel with the OBU, characterized in that the payment processing system using the OBU. The method of claim 4, wherein The circuit breaker is provided at the affiliated store and operates according to the driving of the motor to block traffic of the vehicle. When the payment processing device transmits the payment processing completion signal to the OBU, the payment processing system using the OBU to transmit a control signal to the breaker by driving the motor of the breaker to open the breaker. An OBU which performs a toll payment processing according to a road traffic by communicating with a mobile communication terminal and a wireless communication device equipped with a prepaid electronic money card and is provided at a toll gate on the road, In the payment processing system using the OBU comprising a payment processing device which is provided in the merchant of the prepaid electronic money card mounted in the OBU to perform the payment processing by communicating with the OBU in a short-range wireless communication method, (a) transmitting, by the mobile communication terminal, a payment request signal including a payment amount according to a user's operation of receiving a goods / service from the affiliated store; (b) the OBU receiving the payment request signal, attempting short-range wireless communication with the payment processing device; (c) performing the payment processing on the payment amount while the payment amount is subtracted from the charge amount of the prepaid electronic money card mounted in the OBU by short-range wireless communication between the OBU and the payment processing device. Payment processing method using OBU, characterized in that. The method of claim 6, The payment processing device includes a wireless transmission and reception device for performing wireless communication with the OBU, In step (b), Transmitting, by the OBU, a WAKEUP signal to the wireless transmission / reception device when the payment request is received from the mobile communication terminal; And transmitting, by the wireless transmitting / receiving device, from a standby state to an activated state according to the wake-up signal to form a communication channel with the OBU. The method of claim 6, Step (c) is, According to the payment request received from the mobile communication terminal, the OBU storing the amount of money charged by subtracting the payment amount included in the payment request from the remaining amount of money on the prepaid electronic money card; Wow; Transmitting a payment processing request signal including the payment details to the payment processing device; Transmitting, by the payment processing device, the payment processing completion signal to the OBU after storing payment details according to the payment processing request signal; And receiving, by the OBU, the payment processing completion signal, the payment processing completion signal to the mobile communication terminal. The method of claim 6, Step (c) is, Transmitting, by the OBU, a payment processing request signal including a charge amount remaining in the prepaid electronic money card and the payment amount to the payment processing device according to a payment request received from the mobile communication terminal; The payment processing apparatus subtracting the payment amount from the charge amount according to the payment processing request signal, storing the details, and transmitting a payment processing completion signal including the remaining balance to the OBU; And transmitting the payment processing completion signal to the mobile communication terminal after the balance after receiving the received OBU is stored in the prepaid electronic money card. The method according to claim 8 or 9, The payment processing device may further include transmitting a control signal to the breaker to open a breaker provided at the affiliated store to block the traffic of the vehicle when the payment processing completion signal is transmitted to the OBU. Payment processing method using the OBU.

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