KR20090060385A - Roaming system of radio frequency payment card and roaming method of radio frequency payment card - Google Patents

Abstract

A roaming system of an RF payment card according to an embodiment includes a mobile communication system for transmitting card setting information through a first network; A mobile communication terminal for receiving the card setting information; And an RF payment card provided in the mobile communication terminal, receiving the card setting information, processing a second network connection using the transplanted card setting information, and processing a card payment machine and a wireless payment. In addition, the roaming method of the RF payment card according to the embodiment comprises the steps of the mobile communication system to transmit the card setting information via a first network: a mobile communication terminal receiving the card setting information; And implanting the received card setting information into a card memory by an RF payment card mounted in the mobile communication terminal.

According to the embodiment, the information recorded on the RF payment card can be upgraded, and device setting information recognizable by an overseas card payment system can be implanted. Therefore, a payment service can be used abroad by using a mobile communication terminal equipped with an RF payment card.

Description

Roaming system of radio frequency payment card and roaming method of radio frequency payment card

An embodiment discloses a roaming system of an RF payment card and a roaming method of an RF payment card.

Currently, information communication technology and various network technologies including mobile communication terminals are being developed, and in particular, user authentication and payment processing are emerging as important fields in terms of electronic commerce.

Problems such as complicated procedures for user authentication and payment and the stealing of personal information have been the subject of technical interest, and RF payment cards have been proposed as one of means for solving such problems.

The RF payment card is used in many fields, such as a credit card, service authentication cards such as hospitals, transportation cards, IMT-2000 cards.

The RF payment card transmits and receives various data through communication with a mobile communication terminal, and can process user authentication and payment with high security by processing a symmetric / asymmetric key encryption algorithm.

However, the RF payment card performs short-range wireless communication using information implanted at the time of manufacture, and since the first implanted information cannot be upgraded, it cannot be used while living abroad.

Therefore, in order to use services such as transportation, vending machines, restaurants, etc. due to business trips, and to use an RF card payment machine, it is inconvenient to purchase a separate RF payment card made in a corresponding country.

The embodiment is capable of upgrading information such as device setting information and the like, and provides a roaming system of an RF payment card and a roaming method of an RF payment card that can be used abroad.

A roaming system of an RF payment card according to an embodiment includes a mobile communication system for transmitting card setting information through a first network; A mobile communication terminal for receiving the card setting information; And an RF payment card provided in the mobile communication terminal, receiving the card setting information, processing a second network connection using the transplanted card setting information, and processing a card payment machine and a wireless payment.

In accordance with another aspect of the present invention, there is provided a method of roaming an RF payment card, the method comprising: transmitting, by a mobile communication system, card setting information through a first network: receiving, by a mobile communication terminal, the card setting information; And implanting the received card setting information into a card memory by an RF payment card mounted in the mobile communication terminal.

According to the embodiment, the following effects are obtained.

First, the information recorded on the RF payment card can be upgraded, and device setting information recognizable by an overseas card payment system can be implanted. Therefore, a payment service can be used abroad by using a mobile communication terminal equipped with an RF payment card.

Second, the RF payment card service can be used through a mobile communication terminal used in Korea without purchasing a separate RF payment card from abroad, thereby improving user convenience.

Third, since the domestic mobile service provider can process the payment of the RF payment card used abroad, the payment process is convenient, and the profit model of the mobile communication service provider can be created.

The roaming system of the RF payment card and the roaming method of the RF payment card according to the embodiment will be described in detail with reference to the accompanying drawings. For convenience of description, the roaming system of the RF payment card and the roaming method of the RF payment card are included together. Let's explain.

FIG. 1 is a block diagram schematically illustrating an entire component of a roaming system of an RF payment card according to an embodiment, and FIG. 2 is a data flow diagram illustrating a roaming method of an RF payment card according to an embodiment.

Referring to FIG. 1, a roaming system of an RF payment card according to an embodiment includes a mobile communication system 100, a mobile communication terminal 200 equipped with an RF payment card 210, and an overseas card payment system 300. do.

In addition, the mobile communication system 100 includes a first payment computer 110, a roaming processing computer 120, SMS (Short Message Service) computer 130, the foreign card payment system 300 is a second It includes a payment computer 310, card payment machine 330.

The mobile communication system 100 and the mobile communication terminal 200 communicate with each other via the first network 400, and the RF payment card 210 and the card payment machine 330 are the second network 500. Communicate through.

In addition, the card payment machine 330 and the second payment computer 310 communicates through the third network 320, and the second payment computer 310 and the first payment computer 110 are connected to the fourth. Communication is performed through the network 600.

The mobile communication system 100 is a system for processing a channel between the mobile communication terminal 200 and a base station, such as a channel setting such as a pilot channel, a synchronization channel, and a traffic channel, call processing, data transmission and reception, and the like.

For example, the mobile communication system 100 may include a gateway, a mobile switching center (MSC), a base transceiver station (BTS), a base station controller (BSC), and a subscriber information processing device (HLR). The first network 400 may be formed and data may be provided by a device such as a home location register (IWF) or an interworking function (IWF).

The first network 400 may be a mobile communication network such as Global System for Mobile Communication (GSM), WCDMA (also referred to as "UMTS; Universal Mobile Telecommunications System"), Personal Communications System (PCS), or Digital Cellular System (DCS). Can be implemented.

The RF payment card 210 is a tag type card that can be used as a credit card, a service authentication card such as a hospital, a transportation card, an IMT-2000 card, and the like.

For example, the RF payment card 210 may be manufactured in the form of a smart card such as a SIM (Subscriber Identity Module) card, and may be used in a contactless ISO14443 processor supporting contact ISO7816 and 13.56 MHz RFID. It can be operated by.

In an embodiment, the RF payment card 210 is implemented as an RFID tag, and is mounted inside the mobile communication terminal 200, for example, on a main board, or in a form detachable from an external terminal of the mobile communication terminal 200. Can be mounted.

In an embodiment, the RF payment card 210 will be described as being an externally mounted tag.

The card payment machine 330 is a payment machine installed in a service provider abroad, for example, it can be installed in restaurants, public transportation, vending machines, and the like.

In an embodiment, the card payment machine 330 performs a short-range wireless communication with the RF payment card 210 to process a payment, and is provided as an RFID reader.

The RF payment card 210 and the card payment device 330 may be implemented as various short-range wireless communication devices to configure the second network 500. For example, the second network 500 may include RFID (Radio Frequency IDentification). ), And may be implemented using technologies such as Near Field Communication (NFC), Zigbee, and Bluetooth.

In an embodiment, the second network 500 is assumed to be an RFID network.

The third network 320, the second payment computer 310 for collecting data of the card payment machine 330 to process payment, statistics, billing, etc. and the card payment machine 330 installed in various places abroad. It is a network that connects.

The second payment computer 310 may be, for example, a computer provided by an overseas card payment service provider or an agent. The second payment computer 310 may use the RF payment card 210 to pay the price paid abroad by the user of the mobile communication terminal 200. It can be billed to the first payment computer 110 in Korea.

The fourth network 600 is a network connecting the first payment computer 110 and the second payment computer 310.

The third network 320 and the fourth network 600 may be implemented through various wired / wireless networks, for example, Wi-Fi (Wireless LAN), UWB (Ultra Wide Band), Bluetooth (Bluetooth), WiMax ( Wireless networks such as World Interoperability for Microwave Access, Zigbee, Dedicated Short Range Communication (DSRC) or wired such as Universal Asynchronous Receiver / Transmitter (UART), Internet (TCP / IP), Switch Hub, Serial / Parallel Cable, etc. It can be implemented in a network.

When the third network 320 and the fourth network 600 are connected through the Internet, the first payment computer 110, the second payment computer 310, and the card payment machine 330 may perform digital data communication. Network that implements web interface functions by processing network protocols such as Hyper Text Transfer Protocol (HTTP), Transmission Control Protocol / Internet Protocol (TCP / IP), Telnet, and Multipurpose Internet Mail Extensions (MIME). A connection device can be provided.

For the first time, a user of a mobile communication terminal 200 (hereinafter referred to as "user") residing in Korea applies for mobile communication roaming to the mobile communication system 100 before leaving (S100).

Mobile communication roaming is possible through the application method at the airport before departure or go to the branch operated by the mobile service provider, processed off-line, the application via the Internet, the setting change on the mobile communication terminal 200 and the like.

In this case, the mobile communication terminal 200 changes the national channel, and the mobile communication system 100 can handle roaming by sharing the device information of the mobile communication terminal 200 with a mobile operator abroad. The description is omitted since it is a technology.

The roaming processing computer 120 of the mobile communication system 100 receives and registers mobile communication roaming application information (S105) and notifies the SMS computer 130 of the roaming registration information of the mobile communication terminal 200 (S110). .

The SMS computer 130 generates the card roaming inquiry information in the form of a short message and transmits it to the mobile communication terminal 200 (S115).

The card roaming inquiry information is information on whether to use the RF payment card 210 abroad, that is, the information about the overseas roaming of the RF payment card 210, and the user can respond by operating the mobile communication terminal 200. Information that contains the access code.

When the user checks the guidance message, and transmits the card roaming selection information, that is, information for applying for overseas roaming of the RF payment card 210 by operating the mobile communication terminal 200 (S120), the SMS computer 130 The card roaming selection result information is transmitted to the roaming processing computer 120 (S125).

In this case, as the selection result information is transmitted, the roaming processing computer 120 generates card setting information of the RF payment card 210 and transmits the card setting information to the SMS computer 130 (S130).

The card setting information is information including device identification information of the RF payment card 210, device identification information of the card payment device 330, and data analysis information.

When the SMS computer 130 transmits the card setting information, the SMS computer 130 transmits the card setting information to the mobile communication terminal 200 in the form of a short message together with the transplant information (S135).

The mobile communication terminal 200 interprets the transplantation information, extracts the card setting information, and transmits the card setting information to the RF payment card 210 (S140).

The RF payment card 210 stores card setting information transmitted from the mobile communication terminal 200 in a memory.

The RF payment card 210 according to the embodiment may transplant new card setting information through this method, and may upgrade existing card setting information for overseas use (S145).

Thereafter, before the user departs and uses the RF payment card 210, the configuration and operation of the RF payment card 210 and the mobile communication terminal 200 will be described with reference to FIGS. 3 to 5. do.

3 is a block diagram schematically illustrating components of a mobile communication terminal 200 and an RF payment card 210 according to an embodiment.

Referring to FIG. 3, the mobile communication terminal 200 includes a card mounting apparatus 230, a card controller 220, and a host processor 240, and the card controller 220 includes a host interface 226. , A card interface 228, a controller controller 222, and a controller memory 224.

The RF payment card 210 is mounted in the card mounting apparatus 230 and performs data communication with the host processor 240 through the card controller 220. The card controller 211, the input / output unit 212, the card It includes a memory 213, an auxiliary operation unit 214, and a short range communication unit 215.

The host processor 240 refers to a processor such as a CPU and an MCU of the mobile communication terminal 200, and processes a voice call, a WAP protocol, and an SMS message.

The host processor 240 controls the data read / write of the RF payment card 210 to write the card setting information directly to the card memory 213 or to write the card setting information to the RF payment card ( The card control unit 211 can make the recording by transmitting the data to the 210.

In the embodiment, since the RF payment card 210 is assumed to be an externally mounted tag, the transplantation (recording) function of the card setting information is performed by the card control unit 211.

In addition, the host processor 240 controls the card controller 220 to recognize the RF payment card 210 and perform communication. At this time, a communication protocol such as “ISO 7816” or “ISO 14443” may be used. have.

The host interface 226 of the card controller 220 communicates with the host processor 240 and is connected to RS-232 to process UART (Universal Asynchronous Receiver / Transmitter) communication.

The card interface 228 is connected in parallel with the RF payment card 210 and is responsible for asynchronous half deuplex mode communication.

The card interface 228 has a structure connected in parallel with the RF payment card 210 through the terminal of the card mounting apparatus 230.

The controller controller 222 controls the transmission and reception of data by interworking the host interface 226 and the card interface 228, and provides a driving signal such as a clock signal and a reset signal to the RF payment card 210.

The controller memory 224 is a space for storing data transmitted and received between the host processor 240 and the RF payment card 210.

On the other hand, the RF payment card 210 has a form of a plastic card in which a plurality of integrated circuit (IC) chips and passive elements are embedded. The RF payment card 210 is inserted into the card mounting apparatus 230 and is electrically connected through a terminal.

The input / output unit 212 includes an antenna terminal, a clock signal terminal, a data signal terminal, a single wire protocol (SWP) terminal, a reset signal terminal, a power terminal, a ground terminal, and the like, and the RF card payment device 230 Transfer signals between cards 210.

The card controller 211 processes a communication protocol such as "ISO 7816" and "ISO 14443", an APDU (Application Protocol Data Unit) command and response structure, a directory structure, a security command structure, a security processing procedure, a payment processing procedure, and the like. do.

The card controller 211 communicates with the host processor 240, executes an application program on an elementary file (EF) and a dedicated file (DF), receives the card setting information, and receives a card memory 213. To record.

The card memory 213 may be provided as a rewritable memory device, for example, a flash memory, an electrically erasable and programmable read only memory (EEPROM), and the like, and includes password information, authentication information, payment information, user information, and network. Information and the like are recorded, and an operating system for driving the card control unit 211 is mounted.

The auxiliary operation unit 214 shares the functions of the card control unit 211 and may be provided as, for example, a cryptographic processor.

The short range communication unit 150 includes an RFID tag circuit and performs RFID communication with the card payment device 330 based on the card setting information recorded in the card memory 213, for example, an Industrial Scientific Medical (ISM) band. 13.56 MHz may be used.

4 is a block diagram schematically illustrating components of the short range communication unit 215 of the RF payment card 210 according to the embodiment.

Referring to FIG. 4, the short range communication unit 215 includes an antenna 215a, a detector 215b, a load modulator 215c, a receiver 215d, a selector 215e, an encoder 215f, and a modulator. 215g, the electromagnetic wave output section 215h, the demodulation section 215i, the decoding section 215j, and the data processing section 215k.

The antenna 215a may be provided inside the RF payment card 210 or may share and use an antenna (not shown) of the mobile communication terminal 200 through a terminal of the card mounting apparatus 230.

The receiver 215d performs tuning and detection of a received signal and delivers the signal to the demodulator 215i. The demodulator 215i demodulates a signal supplied from the receiver 215d to the decoder 215j. To pass.

In addition, the decoder 215j decodes the signal received from the demodulator 215i and transfers the decoded data to the data processor 215k.

The data processing unit 215k interprets the data received from the decoding unit 215j, generates transmission data, and transfers the data to the encoding unit 215f.

The received signal processed by the data processor 215k may include an information request signal and a transmission confirmation signal transmitted from the card payment machine 330. The transmitted signal processed by the data processor 215k may include card setting information, It may include an acknowledgment signal.

The encoder 215f encodes the data transmitted from the data processor 215k and transmits the data to the selector 215e. The selector 215e transmits the transmitted data to the modulator 215g or the load modulator ( 215c). At this time, the selection signal is transmitted from the data processor 215k.

The encoded data is selectively transmitted to the modulator 215g or the load modulator 215c to operate the short range communication unit 215 in an active mode or a passive mode.

The electromagnetic wave output unit 215h adjusts the current flowing through the antenna 215a so that the output signal has a single frequency. The modulator 215g modulates the signal transmitted from the selector 215e by using a separate power source on a carrier wave.

The load modulator 215c changes the impedance of the antenna 215a according to the signal supplied from the selector 215e. For example, when a signal is received, an RF magnetic field is formed around the antenna 215a and the impedance is changed. Accordingly, the carrier of the received signal may be modulated according to the signal supplied from the selector 215e. The detector 215b detects the magnetic flux density of the antenna 215a according to the current of the received signal.

5 is a diagram illustrating a form in which the RF payment card 210 according to the embodiment is mounted on the mobile communication terminal 200.

As shown in FIG. 5, the RF payment card 210 may be detachably coupled to the mobile communication terminal 200.

For example, when the RF payment card 210 is attached to or detached from the rear portion of the main body of the mobile communication terminal 200 into which the battery pack (not shown) is inserted, the card mounting apparatus 230 is formed on the rear portion of the mobile communication terminal 200. Can be.

In addition, a printed circuit board on which the card controller 220 is positioned is positioned below the main body of the mobile communication terminal 200 in which the card mounting apparatus 230 is formed, and the card controller 220 is disposed on the bottom of the mounting groove of the card mounting apparatus 230. ) Is electrically connected to the terminal.

1 and 2, a case in which the user uses the RF payment card 210 after departure is described.

Overseas, when a user uses a store or vending machine, etc., a purchase amount is input to the card payment machine 330 after the purchase of the goods, and the user operates the mobile communication terminal equipped with the RF payment card 210 ( The card setting information is transmitted by approaching 200 to the card payment machine 330 (S150).

The card payment machine 330 interprets the card setting information to recognize the RF payment card 210 and generates payment information for the recognized RF payment card 210.

Next, the card payment device 330 transmits the card setting information and payment information to the second payment computer 310 through the third network 320 (S155).

The second payment computer 310 processes the payment by matching the payment information to the card setting information of the RF payment card 210, generates payment processing information and manages it in a database (S160).

In addition, the second payment computer 310 transmits the payment processing information to the first payment computer 110 through the fourth network 600 (S165).

The first payment computer 110 analyzes the payment processing information to extract card setting information and payment information, and imposes the payment information on the communication fee of the mobile communication terminal 200 corresponding to the card setting information (S170). ).

Therefore, the user of the mobile communication terminal 200 can pay the amount used abroad in the form of a communication fee.

The present invention has been described above with reference to the preferred embodiments, which are merely examples and are not intended to limit the present invention, and those skilled in the art to which the present invention pertains do not depart from the essential characteristics of the present invention. It will be appreciated that various modifications and applications are not possible that are not illustrated above. For example, each component specifically shown in the embodiment of the present invention can be modified. And differences relating to such modifications and applications will have to be construed as being included in the scope of the invention defined in the appended claims.

1 is a block diagram schematically showing the overall components of a roaming system of an RF payment card according to an embodiment;

2 is a data flow diagram illustrating a roaming method of an RF payment card according to an embodiment.

3 is a block diagram schematically illustrating components of a mobile communication terminal and an RF payment card according to an embodiment.

4 is a block diagram schematically illustrating components of a short range communication unit of an RF payment card according to an embodiment.

5 is a diagram illustrating a form in which an RF payment card is mounted in a mobile communication terminal according to an embodiment.

Claims (17)

A mobile communication system for transmitting card setting information via a first network; A mobile communication terminal for receiving the card setting information; And Roaming of an RF payment card provided in the mobile communication terminal, receiving the card setting information, processing a second network connection using the transplanted card setting information, and including an RF payment card for processing a card payment and a wireless payment. system. The method of claim 1, wherein the mobile communication system A roaming processing computer for registering roaming application information on a first network of the mobile communication terminal and generating the card setting information; And When the roaming application information is registered, the card roaming inquiry information is configured into an SMS message and transmitted to the mobile communication terminal. When the card roaming selection information is received from the mobile communication terminal, the generated card setting information is transmitted to the mobile communication terminal. Roaming system of RF payment card, including sending SMS computer. The method of claim 2, The SMS computer configures and transmits the card setting information and the transplant information into an SMS message, The mobile communication terminal interprets the transplant information to extract the card setting information, and transfers the extracted card setting information to the RF payment card, The RF payment card roaming system of the RF payment card for recording the card setting information transmitted from the mobile communication terminal in the card memory. The method of claim 1, wherein the first network is A roaming system of an RF payment card including a mobile communication network implemented by at least one of GSM, CDMA, WCDMA, PCS, and DCS methods. The card of claim 1, wherein the RF payment card is A roaming system of an RF payment card, which is a tag type card, which is mounted inside the mobile communication terminal or detachably mounted outside the mobile communication terminal. The method of claim 1, wherein the second network is A roaming system of an RF payment card, which is a network implemented by at least one of radio frequency identification (RFID), near field communication (NFC), zigbee, and bluetooth. The method of claim 1, The card payment machine installed in an overseas service company or a service device and generating payment information of the RF payment card; And An RF payment card including an overseas card payment system connected to the card payment device through a third network and including a second payment computer that collects data including the payment information and the card setting information and performs payment and statistical processing. Roaming system. The method of claim 7, wherein the mobile communication system And a first payment computer connected to a fourth network to receive payment processing information from the second payment computer, and reflect the payment processing information to the communication fee of the mobile communication terminal. 10. The system of claim 8, wherein at least one of the third network and the fourth network is Wireless networks such as Wi-Fi (WLAN), Ultra Wide Band (UWB), Bluetooth, World interoperability for microwave access (WiMax), Zigbee, Dedicated Short Range Communication (DSRC), or Universal Asynchronous Roaming system of RF payment card including wired network such as Receiver / Transmitter), Internet (TCP / IP), Switch Hub, Serial / Parallel Cable, etc. The method of claim 1, wherein the card setting information is Roaming system of the RF payment card including at least one of the device identification information of the card payment machine, the device identification information of the RF payment card, data resolution information. The method of claim 1, The mobile communication terminal includes a card mounting apparatus having at least one of an antenna terminal, a clock signal terminal, a data signal terminal, a SWP terminal, a reset signal terminal, a power terminal, and a ground terminal. The RF payment card is mounted in a removable form on the card mounting apparatus, the roaming system of the RF payment card to perform data communication with the mobile communication terminal through the terminal. The method of claim 3, wherein the card setting information is A roaming system of an RF payment card recorded in the card memory by a host processor of the mobile communication terminal or a card control unit of the RF payment card. Transmitting, by the mobile communication system, card setting information through the first network: A mobile communication terminal receiving the card setting information; And And roaming the received card setting information into a card memory by an RF payment card mounted in the mobile communication terminal. The method of claim 13, wherein the transmitting of the card setting information comprises: Registering roaming application information on a first network of the mobile communication terminal by a roaming processing computer of the mobile communication system; Transmitting, by the SMS computer of the mobile communication system, card roaming inquiry information to the mobile communication terminal as the roaming application information is registered; Receiving, by the SMS computer, card roaming selection information from the mobile communication terminal; The roaming processing computer generates the card setting information as the card roaming selection information is received, and the SMS computer transmits the generated card setting information to the mobile communication terminal. . 15. The system of claim 14, wherein said SMS computer is At least one of the card roaming inquiry information and the generated card setting information is configured and transmitted as an SMS message, The card roaming inquiry information is information for inquiring whether the RF payment card is to be used abroad, and a roaming method of an RF payment card including an access code for generating and transmitting the card roaming selection information. The method of claim 13, The RF payment card processing a second network connection using the transplanted card setting information, and performing short-range wireless communication with a card payment machine; And And the card payer receiving the card setting information from the RF payment card and generating payment information. The method of claim 16, Collecting, by the second payment computer, data including the payment information and the card setting information from the card payment device connected through a third network, and performing statistical processing; And RF payment card comprising the step of receiving the payment processing information from the second payment computer connected to the first payment computer of the mobile communication system via a fourth network, and reflecting the payment processing information in the communication fee of the mobile communication terminal Roaming method.

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