KR20090114539A - System and Method for Selecting Financial Information, Mobile Devices for Selecting Financial Information and Program Recording Medium - Google Patents

Abstract

PURPOSE: A portable terminal with a financial information selection function stored in an IC chip is provided to allow a customer to preferentially use a mainly used card which is mounted on the IC chip of the wireless terminal. CONSTITUTION: One or more financial information is stored in an IC(Integrated Circuit) chip(360). An information processing unit(375) stores and selects specific financial information. If wireless payment request information is received, the information process unit extracts financial information from the IC chip. The information process unit confirms or extracts financial information from the IC chip. The financial information includes credit card information, stock information, account information, pre-paid card information and electronic cash information. A terminal(300) or a server requests the wireless settlement.

Description

System and Method for Selecting Financial Information, Mobile Devices for Selecting Financial Information and Program Recording Medium}

1 is a diagram illustrating a configuration of an interlocking program providing system for downloading and remotely mounting a program interoperating with an IC chip loaded with one or more financial information to a customer wireless terminal according to an embodiment of the present invention.

2 is a diagram illustrating a process of downloading and remotely mounting a program interoperating with an IC chip having one or more financial information to a customer wireless terminal according to an embodiment of the present invention.

3 is a wireless terminal function having a predetermined IC chip interworking program for selecting financial information to be used first among one or more financial information stored in an IC chip attached to or detached from a wireless terminal according to an embodiment of the present invention. It is a figure which shows a structure.

4 is a diagram illustrating a process of selecting financial information to be used first among one or more financial information stored in an IC chip attached to or detached from a wireless terminal according to an exemplary embodiment of the present invention.

FIG. 5 is a diagram illustrating a process in which payment processing is performed after financial information to be used first is selected among one or more financial information stored in an IC chip attached to or detached from a wireless terminal according to an embodiment of the present invention. .

6 is a diagram illustrating a functional configuration of a payment terminal having a short range wireless payment function according to an embodiment of the present invention.

<Description of main parts of drawing>

300: wireless terminal 305: control unit

310: screen output unit 315: sound processing unit

320: key input unit 325: battery

330: wireless processing unit 335: short-range communication unit

340: short-range device 345: camera unit

350: camera 355: IC chip reader

360: IC chip 365: memory

370: program driver 375: information processor

380: information transmission unit

The present invention utilizes a wireless terminal in which an IC chip on which one or more financial information is mounted is mounted or detached, and at least one stored in the IC chip in response to a predetermined key input (or selection) for selecting financial information. Outputting financial information, selecting (or inputting) financial information to be used as a priority among the one or more financial information outputted on the screen, and financial information to be used as the selected (or input) priority It relates to a financial information selection method comprising the step of storing in a memory (or IC chip).

With the development of information technology, cards in the form of ICs that store more information have emerged. Various information may be stored in the IC chip card. Actually, various card information owned by the customer may be stored, but in general, a card mainly used by the customer is determined, and the customer has a preference among a plurality of cards stored in the IC chip. It is inconvenient to choose and use the right card.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to use a wireless terminal in which an IC chip on which one or more financial information is mounted is mounted or detached, and in response to a predetermined key input (or selection) for selecting financial information. Screen outputting one or more financial information stored in the IC chip; receiving (or input) financial information to be used as a priority among the one or more financial information outputted on the screen; and selecting the selected (or input) priority. It provides a financial information selection method comprising the step of storing the financial information to be used as a ranking in a wireless terminal memory (or IC chip).

Wireless terminal with a financial information selection function according to the present invention, the IC chip equipped with one or more financial information is mounted or detached, one or more financial information stored in the IC chip-credit card information, securities information, account information, prepayment An information processing unit which selects and stores specific financial information to be used preferentially among card information and electronic money information, and then extracts (or confirms) the financial information selected as the preferred use from the IC chip when receiving wireless payment request information. And an information transmitter for transmitting the financial information extracted (or confirmed) from the IC chip to the terminal (or server) that has requested the wireless payment.

On the other hand, the financial information selection method according to the present invention, using a wireless terminal that is mounted or detached IC chip on which at least one financial information is mounted, and first responds to a predetermined key input (or selection) for selecting financial information Screen outputting one or more financial information stored in the IC chip; receiving (or input) financial information to be used as a priority among the one or more financial information outputted on the screen; and selecting the selected (or input) priority. And storing the financial information to be used as the ranking in a wireless terminal memory (or IC chip).

According to the present invention, the method for selecting financial information includes receiving a message for a wireless payment request from a wireless payment request terminal, and checking whether there is financial information to be used as priority in the wireless terminal memory (or IC chip). And if there is financial information to be used as a priority, transmitting the financial information to be used as the priority to the wireless payment request terminal.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that the program for executing the above-described financial information selection method is recorded.

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 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 made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more servers (or terminals) different according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a configuration of an interlocking program providing system for downloading and remotely mounting a program interoperating with an IC chip loaded with one or more financial information to a customer wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an IC chip (eg, one or more) attached to or detached from a predetermined terminal provided on a wireless communication network to which a customer wireless terminal is connected (or communicatively connected). Among the one or more financial information (for example, credit card information, debit card information, check card information, securities information, account information, prepaid card information, electronic money information, etc.) stored in the IC chip containing financial information, Download and remotely mount a predetermined IC chip interworking program for selecting information, and provide an interlocking program for interworking the IC chip interworking program information and the wireless terminal information mounted in the customer wireless terminal and storing the information on a predetermined storage medium. As for the system configuration, those skilled in the art to which the present invention pertains, refer to or modify the present Figure 1 Infers various implementation methods for downloading and remotely mounting a predetermined IC chip interworking program for selecting financial information to be used preferentially from one or more financial information stored in the IC chip attached to or detached from the wireless terminal by a customer wireless terminal. It should be noted that the present invention encompasses all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 1, a predetermined IC chip interworking program for selecting financial information to be used preferentially from among one or more financial information stored in an IC chip attached to or detached from the wireless terminal by the customer wireless terminal. The server for downloading and remote mounting is called "program providing server" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the coordinated program providing system is connected to the program providing server 100 through a predetermined wireless communication network and stored in one or more IC chips attached to or detached from the wireless terminal. Among the financial information, a customer wireless terminal which downloads a predetermined IC chip interworking program for selecting financial information to be used preferentially and records on a predetermined recording medium, and is connected to the customer wireless terminal through a predetermined wireless communication network, It includes a program providing server 100 for providing a predetermined IC chip interworking program for selecting the financial information to be used preferentially from one or more financial information stored in the IC chip attached to or detached from the customer wireless terminal to the terminal. .

The customer wireless terminal is connected to a mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, or a DataTAC / Mobitex based wireless data communication network. And at least one or more wireless terminals including at least one wireless data communication terminal, wherein the customer wireless terminal outputs at least one interface screen provided by the program providing server 100, and A function configuration for inputting or selecting predetermined customer information and wireless terminal information for downloading and remotely loading the IC chip interworking program through an interface screen and transmitting the selected information to the program providing server 100 (eg, a browser program and a communication function). ) Is preferably provided .

According to an embodiment of the present invention, the customer wireless terminal is preferably attached or detached IC chip loaded with one or more financial information, in this case, the customer wireless terminal to transmit to the program providing server 100 Preferably, the wireless terminal information is transmitted including information including that the IC chip is mounted on the wireless terminal. In response, the program providing server 100 interoperates with the IC chip to transmit the information to the IC chip. It is preferable to transmit and mount a VM (Virtual Machine) based IC chip interworking program that allows a specific financial information to be used preferentially among the stored one or more financial information to the customer wireless terminal.

According to an embodiment of the present invention, the wireless communication network preferably comprises at least one of the CDMA-based mobile communication network, IEEE 802.16x-based high-speed wireless Internet, or DataTAC / Mobitex-based wireless data communication network.

According to the present invention, the program providing server 100 is an interface for connecting and managing a predetermined communication channel with the customer wireless terminal through the wireless communication network, in order to provide a web interface corresponding to the wireless communication network with the customer wireless terminal. It characterized in that it comprises a unit 105, whereby the program providing server may have a function of a web server that is connected to the customer wireless terminal and the communication via a wired network or a wireless network.

According to an embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 105 is connected to the customer wireless terminal and a WAP (Wireless Application Protocol) or ME. (Mobile Explorer) connects a predetermined communication channel based on the protocol, and transmits and outputs an interface screen or information providing screen in the form of a WML (Wireless Markup Language) or HTML compatible document to the customer wireless terminal through the communication channel, It is preferable to perform a function of receiving and processing predetermined customer information and wireless terminal information corresponding to the interface screen from the customer wireless terminal.

According to another exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 105 may include the customer wireless terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmit and output a predetermined interface screen or information providing screen to the customer wireless terminal through the communication channel, and correspond to the interface screen from the customer wireless terminal. It is preferable to perform a function of receiving and processing predetermined customer information and wireless terminal information, or when the customer wireless terminal is a wireless terminal connected to a communication channel through a DataTAC / Mobitex based wireless network, the interface unit Based on customer wireless terminal and wireless protocol corresponding to the DataTAC / Mobitex standard Connects a predetermined communication channel to the mobile terminal, transmits and outputs a predetermined interface screen or information providing screen to the customer wireless terminal through the communication channel, and wirelessly transmits predetermined customer information corresponding to the interface screen from the customer wireless terminal. It is preferable to perform a function of receiving and receiving terminal information.

According to the present invention, the program providing server, when a predetermined customer wireless terminal is connected to the program providing server through the interface unit 105, in conjunction with the interface unit 105, the predetermined customer information in the customer wireless terminal And an interface providing unit 110 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting wireless terminal information.

The interface providing unit 110 has a functional configuration (eg, provided in the customer wireless terminal) provided to the customer wireless terminal when a predetermined customer wireless terminal is connected to the program providing server 100 through the interface unit 105. A predetermined interface screen which can input (or select) predetermined customer information and wireless terminal information in correspondence with a browser program) to be transmitted to the program providing server through the wireless communication network, or a predetermined database (not shown). And extracts the interface screen generated (or extracted) in cooperation with the interface unit 105 to the customer wireless terminal through the wireless communication network.

Thereafter, the customer wireless terminal inputs (or selects) predetermined customer information and wireless terminal information based on the interface screen, and transmits the input (or selected) customer information and wireless terminal information through the wireless communication network. It transmits to the providing server 100.

According to the present invention, the program providing server 100 is IC chip interlocking program D / B for storing at least one IC chip interlocking program source or IC chip interlocking program file to be provided to the customer wireless terminal and the customer wireless When the IC chip interworking program is requested from the terminal, the interface unit 105 is extracted by dynamically extracting or dynamically generating a predetermined IC chip interworking program corresponding to the customer information and wireless terminal information from the IC chip interworking program D / B. Characterized in that it comprises a program providing unit 115 provided to the customer wireless terminal through.

According to an exemplary embodiment of the present invention, the IC chip interworking program D / B stores a predetermined IC chip interworking program file capable of operating in an operating system (or terminal platform) provided in the customer wireless terminal. When the IC chip interworking program request information including the customer information and wireless terminal information is received from the customer wireless terminal, the program providing unit 115 receives the customer information or the wireless terminal from the IC chip interworking program D / B. A predetermined IC chip interworking program file corresponding to the information is extracted.

According to another exemplary embodiment of the present invention, the IC chip interworking program D / B stores a predetermined IC chip interlocking program source capable of operating in an operating system (or terminal platform) provided in the customer wireless terminal. When the IC chip interworking program request information including the customer information and the wireless terminal information is received from the customer wireless terminal, the program providing unit 115 transmits the customer information or the wireless information from the IC chip interworking program D / B. Extracting a predetermined IC chip interlocking program source corresponding to the terminal information, and compiling the extracted IC chip interlocking program source to dynamically generate a predetermined IC chip interlocking program to be provided to the customer wireless terminal. do.

The IC chip interworking program which is dynamically generated by compiling the IC chip interworking program source extracted by the program providing unit 115 from the IC chip interworking program D / B or extracted from the IC chip interworking program D / B, And a VM-based IC chip interworking program for selecting financial information to be used preferentially from one or more financial information stored in the IC chip.

Thereafter, the program providing unit 115 provides the extracted (or dynamically generated) IC chip interworking program in association with the interface unit 105 to the customer wireless terminal through the wireless communication network to remotely mount the program.

Those skilled in the art will be familiar with the method of remotely mounting the IC chip interworking program (for example, the method of remotely mounting the customer wireless terminal with a program provider certificate). Detailed description thereof will be omitted for convenience.

When the IC chip interworking program is downloaded and remotely mounted to the customer wireless terminal as described above, the IC chip interworking program diagnosis is performed to first verify the validity of the IC chip interworking program by executing the IC chip interworking program for the first time. In this mode, the program providing server 100 further includes a diagnosis unit 120 for diagnosing the validity of the IC chip interworking program by interworking with the IC chip interworking program provided in the customer wireless terminal. Can be configured to

According to an embodiment of the present invention, the IC chip interworking program diagnosis mode may include checking whether the IC chip interworking program provided in the customer wireless terminal enables smooth data communication with an IC chip attached to or detached from the wireless terminal, At least one or more financial information stored in the IC chip is included in the IC chip interworking program.

According to the present invention, the program providing server 100 is the information downloaded and stored in the predetermined storage medium 130 by interworking the predetermined wireless terminal information and the IC chip interworking program information downloaded and remotely mounted to the customer wireless terminal. It is characterized by comprising a storage unit 125.

According to the exemplary embodiment of the present invention, the information storage unit 125 is the IC chip interworking program downloaded and remotely mounted to the customer wireless terminal when the IC chip interworking program operates normally as a result of the diagnosis of the diagnosis unit 120. It is preferable that the wireless terminal information identified from the information, the customer information and the wireless terminal information is cooperatively processed and stored in a predetermined storage medium 130 in cooperative processing.

2 is a diagram illustrating a process of downloading and remotely mounting a program interoperating with an IC chip loaded with one or more financial information to a customer wireless terminal according to an embodiment of the present invention.

In more detail, Figure 2 is one or more of the financial information stored in the IC chip attached to or detached from the wireless terminal from the program providing server to the customer wireless terminal through the IC chip interworking program providing system configuration shown in Figure 1 The present invention relates to a process of downloading and remotely mounting a predetermined IC chip interworking program for selecting financial information to be used preferentially. Those skilled in the art to which the present invention pertains may refer to or modify this drawing. Infers various implementation methods for downloading and remotely mounting a predetermined IC chip interworking program for selecting financial information to be used preferentially from one or more financial information stored in the IC chip attached to or detached from the wireless terminal by the customer wireless terminal. As will be appreciated, the present invention encompasses all of the above inferred methods of implementation, It is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 2, the customer wireless terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the program providing server shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIG. 2, when the terminal accesses the server through a predetermined wireless communication network and requests the server to download and remotely mount a predetermined IC chip interworking program for outputting information using the RF dummy (200). In response, the server extracts (or generates) predetermined customer information and a wireless terminal information input interface screen for providing the IC chip interworking program to the customer wireless terminal (205) and provides them to the terminal (205).

Thereafter, the terminal inputs (or selects) predetermined customer information and wireless terminal information through the customer information and wireless terminal information input interface screen (210), and inputs the input (or selected) customer information and wireless terminal information. The server transmits to the server through the wireless communication network (215), and correspondingly, the server checks whether the customer wireless terminal is a wireless terminal capable of downloading an IC chip interworking program through the wireless terminal information (220).

If the customer wireless terminal is a wireless terminal that is not capable of downloading the IC chip interworking program (225), the server generates a predetermined IC chip interworking program download error information and transmits it to the terminal through the wireless communication network ( 230, the process of downloading a predetermined IC chip interworking program for outputting information using the RF dummy to the terminal and remotely mounting it is terminated.

On the other hand, if the customer wireless terminal is a wireless terminal capable of downloading the IC chip interworking program (225), the server extracts the IC chip interworking program matching the wireless terminal information from the IC chip interworking program D / B (or dynamic (235).

Thereafter, the server provides the extracted (or dynamically generated) IC chip interworking program to the terminal through the wireless communication network and remotely mounts it (240).

If the IC chip interworking program is normally remotely mounted in the terminal (245), the terminal executes the IC chip interworking program to start a diagnostic mode for the IC chip interworking program (250), and correspondingly the terminal Generates predetermined validity diagnosis information through the IC chip interworking program (255), and transmits the generated validity diagnosis information to the server through the wireless communication network (260), and the server receives the received validity diagnosis information. Receiving and reading the to check the validity of the IC chip interworking program (265).

According to the implementation method of the present invention, the IC chip interlocking program diagnostic mode is to check whether the IC chip interlocking program provided in the customer wireless terminal is capable of smooth data communication with the IC chip attached to or detached from the wireless terminal, At least one or more financial information stored in the IC chip is included in the IC chip interworking program.

If the validity of the IC chip interworking program is not confirmed (270), the server generates predetermined IC chip interlocking program diagnostic error information and transmits it to the terminal through the wireless communication network (275). Provides the customer information and wireless terminal information interface screen to receive predetermined customer information and wireless terminal information, and extracts (or dynamically generates) a predetermined IC chip interworking program corresponding to the received customer information and wireless terminal information. The process of remote mounting to the terminal is repeated.

On the other hand, if the validity of the IC chip interworking program is confirmed (270), the server processes the IC chip interlocking program information mounted on the terminal and the predetermined radio terminal information to be stored in a predetermined storage medium (280).

3 is a wireless terminal function having a predetermined IC chip interworking program for selecting financial information to be used first among one or more financial information stored in an IC chip attached to or detached from a wireless terminal according to an embodiment of the present invention. It is a figure which shows a structure.

In more detail, FIG. 3 shows priority among one or more financial information stored in an IC chip to which a mobile communication terminal connected to a mobile communication network based on code division multiple access (CDMA) is attached or detached from the wireless terminal 300. In the case of performing a function of a wireless terminal for selecting financial information to be used, the movement for selecting financial information to be used preferentially from one or more financial information stored in an IC chip attached to or detached from the wireless terminal 300. The preferred functional configuration of the communication terminal. One of ordinary skill in the art to which the present invention pertains refers to one or more financial information stored in an IC chip attached to or detached from the wireless terminal 300 in addition to the mobile communication terminal with reference to FIG. 3. The functional configuration of another wireless terminal (eg, a wireless data communication terminal or a portable internet terminal) for selecting information may be easily inferred. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, a wireless terminal providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 325, and internally, CDMA. (Code Division Multiple Access) A predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) and various memories incorporating functions such as a modem, CPU / MPU (Central Processing Unit / Micro Processing Unit), vocoder, etc. Device, a duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high power transmission signal from returning in reverse RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and VCT corresponding to the reference clock source Voltage Controlled Temperature Compensated X-tal Oscillator (CXO), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services or additional services are integrated together in the modem chip.

Referring to FIG. 3, among the one or more financial information stored in the IC chip attached or detached from the wireless terminal 300, the wireless terminal for selecting financial information to be used preferentially includes a control unit 305 and a screen output unit ( 310, a sound processor 315, a key input unit 320, a wireless processor 330, a near field communication unit 335, a memory unit 365, and a battery 325 for power supply. IC chip 360 mounted or detached from a wireless terminal, IC chip reader 355 for reading / writing predetermined information or data to the IC chip 360 and a camera mounted or detached from the wireless terminal ( 350 and a camera unit 345 for reading predetermined image information from the camera.

The control unit 305 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and a predetermined program routine for providing a function specific to a wireless terminal from a predetermined memory element. Or a bus BUS for inputting / outputting program data and a predetermined electronic circuit (or integrated circuit) provided therefor, the software being loaded into the execution memory from a predetermined memory device or chipset, Generic term of program routines or program data processed through the processor to perform a function of the present invention (hence, in the present invention, one or more financial information stored in an IC chip attached to or detached from the wireless terminal 300 may be preferentially used. Predetermined information recorded on a recording medium of a wireless terminal for selecting financial information; A program routine is illustrated and illustrated as being provided in the control unit 305 for convenience.) By the control unit 305, various functions to be implemented in the wireless terminal are realized thereby. In order to control and manage the overall operation of the wireless terminal.

In particular, when power is input to the wireless terminal to perform a function of the control unit 305 for controlling and managing the overall operation of the wireless terminal, an operating system routine, a system management routine, or a system variable stored in a predetermined memory element. Are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, or mobile communication service.

The screen output unit 310 is a liquid crystal display (LCD) driver for outputting a screen and is a key input unit 320 by the controller 305 (eg, a program routine for outputting predetermined information or data to the LCD). Outputs key data generated through the screen, various information, signals, or contents (eg, text contents, image contents, or multimedia contents) extracted or generated in the course of performing a predetermined function included in the wireless terminal. Characterized in that the output to the device (for example, LCD panel), the screen output unit 310 is connected to the screen output device (LCD) to the IC chip attached to or detached from the wireless terminal 300 Among the one or more stored financial information, it is preferable to perform a function of an information output unit for outputting predetermined information necessary for selecting financial information to be used first.

The sound processor 315 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the sound signal to the controller 305 or extracts or generates a predetermined sound signal generated by the controller 305. Decoding and outputting through a speaker. To this end, the sound processor 315 is provided with a predetermined vocoder and a codec.

It performs the function of the sound input means provided in the wireless terminal through the sound processor 315 and the microphone, or performs the function of the sound output means provided in the wireless terminal through the sound processor 315 and a speaker. .

The key input unit 320 includes a predetermined keypad including at least one key button including a predetermined number key, a character key, or a function key. Detects information (or signal) inputted from the terminal, and receives predetermined information (or signal) from a predetermined key button provided on the keypad in a specific input mode or operation mode of the wireless terminal controlled by the controller 305. When input, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305. 305 reads predetermined key data corresponding to the key event in the current input mode or operation mode of the wireless terminal (eg, each wireless terminal input mode or Reads key data from the key table in a key table that stores (manages) at least one key data corresponding to a specific key event in an operation mode, or executes a predetermined function matched with the key event. It is characterized by reading. The keypad including the key input unit 320 and at least one key button interlocks with each other to perform a function of key input means provided in the wireless terminal.

The wireless processing unit 330 is associated with the control unit 305 (e.g., a program routine for providing a mobile communication service) to register a location or a slot mode, a power control, or a hand-off. and a mobile communication service including a call processing (off) or a call processing procedure, and transmitting and receiving a radio frequency signal with a base station corresponding to an end of a mobile communication network in a process of providing the mobile communication service. RF processing function (eg, performing antenna control, radio frequency signal modulation, synthesis, amplification or filtering) is further included. In particular, the wireless processing unit 330 processes the information or signal transmitted from the wireless terminal to the base station into a CDMA stack to provide the mobile communication service, or receives predetermined information or signals from the CDMA stack received from the base station. It is characterized by providing a function for reading.

According to an embodiment of the present invention, the wireless terminal connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 330, and the mobile communication network through a predetermined wired section including the base station. Alternatively, it is preferable to connect a predetermined communication channel with a server (or device) provided on a predetermined communication network that interworks with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal of FIG. 3 is a portable Internet terminal, the wireless processing unit 330 may access one or more financial devices stored in an IC chip attached to or detached from the wireless terminal 300. Among the information, a function configuration for providing a predetermined portable Internet service (e.g., wireless data communication or voice over IP (VoIP) based voice call) for selecting financial information to be used preferentially is included.

The short range communication unit 335 may include infrared ray communication or RF (radio frequency) communication or Bluetooth (BlueTooth) or wireless LAN (Wireless LAN) or Wi-Fi (Wi-Fi), ultra wide band (UWB). Characterized in that for connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, including, the infrared communication, RF communication, Bluetooth, WLAN, WiFi, ultra It comprises a predetermined short range wireless communication module for short range wireless communication including broadband communication, and comprises a communication protocol or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal connects a wireless section connecting a predetermined short range device and a predetermined short range wireless communication session through the short range communication unit 335, and connects a predetermined network connected to the short range device. It is preferable to connect a predetermined communication channel with a server (or device) provided on a predetermined communication network through a wired section including a.

The camera unit 345 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 305. Characterized in that.

According to the exemplary embodiment of the present invention, the wireless terminal 300 may further include at least one or more functional components for supporting additional services provided by the mobile communication company or the intention of the terminal manufacturer in addition to the camera unit 345. However, in FIG. 3, the description thereof is omitted for convenience. However, the technical spirit of the present invention is not limited by the omitted wireless terminal functional configuration.

The memory unit 365 may input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 300 is performed. General term for a memory device for storing data, such as a read only memory (ROM) corresponding to a read-only memory, a flash memory (FM) for reading / writing, an electrically erasable and programmable read only memory (EEPROM), and the like. It is made, including. In general, the ROM stores system information that should not be deleted, and the flash memory stores an operating system routine, a call processing program routine, an application program routine provided through the wireless terminal, information or data therefor, and the EEPROM. The terminal stores parameters related to registration and a phone number (eg, an address book) or at least one or more information or data extracted or generated while executing an application provided in the wireless terminal 300.

According to a preferred embodiment of the present invention, the memory unit 365 includes an IC chip 360 attached to or detached from the wireless terminal 300 remotely mounted from the program providing server 100 shown in FIG. Among the stored one or more financial information, IC chip interworking program for selecting the financial information to be used preferentially is stored.

The IC chip reader unit 355 is an IC chip-related functional configuration provided in the wireless terminal through the IC chip standard including ISO / IEC 7816 or ISO / IEC 14443, etc. (eg IC chip interworking program provided in the wireless terminal). And information or data exchange between the IC chip mounted on or detached from the wireless terminal 300.

For example, the IC chip reader unit 355 provides information or data exchange between the IC chip interworking program and the IC chip 360 through an APDU (Application Protocol Data Unit).

Referring to standards including ISO / IEC 7816 or ISO / IEC 14443, the IC chip mounted on or detached from the customer's wireless terminal may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), and a ground ( I / O interfaces for communicating with the IC chip reader (eg, exchanging commands or data) through contact points such as GND, programming power supply (VPP), or input / output (I / O), CPU (Central Process Unit), MPU A processor unit including at least one computing element including a micro process unit or a coprocessor, a read only memory, a random access memory, a electrically erasable and programmable read only memory And a memory unit including at least one memory element including FM (Flash Memory). In particular, at least one of the memory elements (eg, ROM) manages internal resources of the IC card. A zero chip operating system (COS) is stored. When predetermined power is supplied from the IC chip reader unit 355 through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is stored. Loaded into a predetermined execution memory to control the overall operation of the IC chip, and based on the clock frequency (for example, 3.57MHz or 4.9MHz) of the clock signal (CLK) contact point via the APDU and IC chip 360 Control information or data exchange between the chip reader section 355.

According to the present invention, at least one financial information stored in the IC chip attached to or detached from the wireless terminal 300 is stored in the memory unit of the IC chip 360. Is driven or executed by a storage unit for storing a data set corresponding to predetermined information or data that is read and read or used by a processor included in a wireless terminal, and an instruction set provided by arithmetic functions and COS of the processor unit. An instruction call code and a processor unit operating as a program routine (for example, a Java applet in the case of Javacard) used by a processor provided in the customer wireless terminal, and interacting with the instruction set of the COS. There is provided a processing unit corresponding to an application including an execution code that is arithmetic operation by, in particular the The processor reads a command provided from a processor provided in the customer wireless terminal through the input / output interface through an APDU, and reads at least one or more information or data stored in the storage unit based on the read command, or And record the result or the read information or data to the processor provided in the customer wireless terminal through the input / output interface through the APDU.

According to a preferred embodiment of the present invention, the memory unit of the IC chip 360 includes a security structure based on ISO / IEC 10202, whereby the memory unit stores secret information such as a chip serial number (CSN). And a protection area, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. It is preferably stored in an area except the COS control area.

Further, according to ISO / IEC 7816 or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file and at least one stored information under the master file. Answer To Reset (ATR) including function information for the at least one Dedicated File (DF) corresponding to each ICC stored information, and disposed under the dedicated file for the smart card service It includes a file structure consisting of an element file (EF) containing substantial information or data. The IC chip storage information for the present invention also includes such a file structure.

According to a preferred embodiment of the present invention, the IC chip storage information preferably includes a financial account (or financial product) means including an electronic bankbook and a financial common network, or a credit card. A payment method, a debit card payment method, a check card payment method, a prepaid card payment means, electronic wallet (Electronic Wallet) payment means preferably comprises at least one or more.

Referring to FIG. 3, the wireless terminal 300 preferentially selects financial information to be used among one or more financial information stored in an IC chip attached to or detached from the wireless terminal in response to a predetermined key input (or selection). A program driver 370 for driving a predetermined IC chip interworking program, and one or more financial information-credit card information, stock information, account information, prepaid card information, electronic money information-stored in the IC chip 360. An information processing unit 375 which selects and stores specific financial information to be used preferentially and then extracts (or confirms) the financial information selected as the preferred use from the IC chip 360 when receiving wireless payment request information; And an information transmitter 380 for transmitting the financial information extracted (or confirmed) from the IC chip 360 to the terminal (or server) requesting the wireless payment.

The program driver may include a predetermined IC chip interworking program for selecting financial information to be used first among one or more financial information stored in an IC chip attached to or detached from the wireless terminal in response to a predetermined key input (or selection). The method may further include outputting a screen (or voice) of a predetermined menu operable through the IC chip interworking program when the program is driven.

The information processing unit selects specific financial information to be used first among one or more financial information stored in the IC chip 360-credit card information, securities information, account information, prepaid card information, electronic money information, and the like. Memory in the chip), and upon receiving the wireless payment request information, the financial information selected for the preferred use is extracted (or confirmed) from the IC chip 360.

The information transmitter transmits the financial information extracted (or confirmed) from the IC chip 360 to the terminal (or server) that has requested wireless payment through the local area communication unit or the wireless processor.

4 illustrates a process of selecting financial information to be used first among one or more financial information stored in an IC chip attached to or detached from a wireless terminal according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates one or more mobile communication terminals connected to a mobile communication network based on code division multiple access (CDMA) shown in FIG. 3 stored in an IC chip attached or detached from the wireless terminal 300. Financial information to be used preferentially among one or more financial information stored in an IC chip attached to or detached from the wireless terminal 300 through the wireless terminal 300 having a function of selecting financial information to be used preferentially among the financial information. As a preferred embodiment of the information selection method, those skilled in the art to which the present invention belongs, the IC is attached to or detached from the wireless terminal to the customer wireless terminal by referring to or modifying the present Figure 4 One or more financial information stored in the chip may be inferred from various implementation methods for selecting financial information to be used preferentially. It includes all the additional implementation methods, and is not limited by the implementation method shown in FIG.

Referring to FIG. 4, the illustrated embodiment is preferably preceded by a process of storing the IC chip interworking program in the memory in the wireless terminal through the program providing system shown in FIG. 1. When the IC chip storing the financial information is attached and wants to use specific financial information among the financial information stored in the IC chip as the preferred use payment means, the memory chip is downloaded to the memory through the key input means provided in the wireless terminal. A driving command for the IC chip interworking program is started (400).

After the IC chip interworking program starts driving (405), the IC chip interlocking program outputs one or more financial information mounted on the IC chip (410).

The IC chip interworking program checks the input (or selection) of the financial information to be used first among the financial information outputted on the screen (415), and the preferentially used financial information is input (or selected) through a predetermined key input means. In operation 420, the IC chip interworking program stores the input (or selected) preferred use financial information in a memory unit (425).

5 is a diagram illustrating a process in which payment processing is performed after financial information to be used is first selected from among one or more financial information stored in an IC chip attached to or detached from a wireless terminal according to an exemplary embodiment of the present invention. .

In more detail, in FIG. 5, at least one mobile communication terminal connected to a mobile communication network based on CDMA (Code Division Multiple Access) shown in FIG. 3 is stored in an IC chip attached to or detached from the wireless terminal 300. FIG. Financial information to be used preferentially among one or more financial information stored in an IC chip attached to or detached from the wireless terminal 300 through the wireless terminal 300 having a function of selecting financial information to be used preferentially among the financial information. After the information is selected, as a method for implementing a payment process using the preferentially used financial information, the person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifyes the drawing 5 to the customer wireless terminal. Among the one or more financial information stored in the IC chip attached to or detached from the wireless terminal, the first selected financial information is selected after the financial information to be used first is selected. Using the information would be able to infer a variety of exemplary methods for performing wireless billing, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 5.

Referring to FIG. 5, in the illustrated embodiment, among a plurality of financial information stored in an IC chip attached to a wireless terminal through the process of FIG. By performing a payment request through a payment terminal interworking with the wireless terminal (500), a short-range wireless communication session for wireless payment between the wireless terminal and the payment terminal is connected (505).

When requesting payment means information for payment processing from the payment terminal to the wireless terminal through the connected wireless communication session (510), the wireless terminal checks whether there is a payment means selected for preferential use among the payment means stored in the IC chip. (515).

If the payment means to be used first among the one or more payment means stored in the IC chip is selected as shown in FIG. 4 (520), the wireless terminal transmits the preferred use payment means information to the communication terminal connected to the communication. (525).

Thereafter, the payment terminal performs payment processing using the payment means information received from the wireless terminal (530).

6 is a diagram illustrating a functional configuration of a payment terminal having a short range wireless payment function according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an embodiment of a payment terminal having a short range wireless payment function for providing a wireless terminal and a predetermined wireless payment service as shown in FIG. Those skilled in the art will be able to infer various payment terminal function configurations for a predetermined wireless payment service by referring to or modifying the present invention, but the technical features of the present invention are not limited to the present invention. It is intended to include all inferred methods of implementation.

Referring to FIG. 6, a payment terminal having a short range wireless payment function for a predetermined wireless payment service basically includes a control unit 605, a memory unit 650, a card reader unit 610, a key input unit 620, and a screen. It comprises an output unit 615, a communication processing unit 630, a security application module 635, a print output unit 640 and a power supply unit 625 for supplying power to the payment terminal, according to the intention of the skilled person At least one terminal function unit (not shown) and the like.

The control unit 605 controls the overall operation of the payment terminal in the functional configuration, manages the flow of information or data between each component, the payment terminal prioritized payment terminal and payment terminal for predetermined wireless payment processing At least one processor and an execution memory (for example, a register or a hardware) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware and at least one component provided with each other. RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and also loaded into the execution memory from a predetermined recording medium to perform a function specific to the payment terminal in software (Routine) or program routines that are loaded and computed by the processor. Data, including a data set (e.g., a wireless terminal for which a payment means priority is selected and a predetermined program recorded on a recording medium provided in the payment terminal for processing a predetermined wireless payment, or a functional configuration provided in the payment terminal). Components shown in the control unit 605).

According to the exemplary embodiment of the present invention, the control unit 605 may include components (eg, the memory unit 650, the card reader unit 610, the key input unit 620, and the screen output unit 615) provided in the payment terminal. ) And the communication processing unit 630 and the security application module 635 and the print output unit 640 or the terminal function unit (not shown) according to the intention of the skilled person) to the electronic payment service defined in the payment terminal. In addition to controlling and managing what is provided, the components provided in the payment terminal for the predetermined wireless payment service according to the present invention can be controlled by interworking with each other, or provided in the payment terminal for the predetermined wireless payment service. It is preferable to execute the program recorded on the recorded recording medium.

The memory unit 650 stores a predetermined program routine (or code) or program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the payment terminal. A general term of non-volatile memory for storage, and includes at least one or more storage means, including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory) or HDD (Hard Disk Drive), The predetermined program routine and program data (for example, data input or outputted by the program routine to perform a predetermined function) required for the control unit 605 to perform a predetermined control function are stored.

The customer who receives a predetermined wireless payment service according to the present invention through the payment terminal, the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or based on the ISO / IEC 7816 standard) Wireless IC chip) or a card including at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, and the card reader unit 610 is connected to the card. It is characterized by providing an interface for reading at least one or more information or data provided.

According to the embodiment of the present invention, the card reader unit 610 is an MS reader unit providing an interface between the MS card and the payment terminal, or a contact IC providing an interface between the contact IC card and the payment terminal. Or a contactless IC reader that provides an interface between the contactless IC card and the payment terminal.

The MS reader unit is a card reader unit 610 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal by using the loaded.

The contact IC reader unit is a card reader unit 610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the payment terminal.

The contactless IC reader unit is a card reader unit 610 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It includes an antenna, supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip to the payment terminal through the half duplex transaction using an APDU. Interfacing.

According to an embodiment of the present invention, the card reader unit 610 may be provided with predetermined card information (eg, a credit card provided in the card) from at least one or more card reader units 610 for the electronic payment service defined in the payment terminal. , Payment means information corresponding to a payment means including at least one of a check card, a debit card, a cash card and a financial account), and at least one card for a predetermined wireless payment service according to the present invention. It is preferable to read the predetermined card information from.

The key input unit 620 includes a predetermined key input device including at least one key button including at least one number key, a character key, or a function key. Detects information (or signal) inputted from the terminal, and receives predetermined information (or signal) from a predetermined key button provided in the key input device in a specific input mode or operation mode of the payment terminal controlled by the controller 605; ) Is input, generates a key event corresponding to the input information (or signal), and provides the generated key event to the controller 605, wherein the controller 605 is the payment terminal. Obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the terminal, or executing a predetermined function matched with the key event; A characterized in that the pickup. The key input unit 620 and the key input device having at least one key button interoperate with each other to perform a function of a key input unit provided in the payment terminal.

The key input device interoperating with the key input unit 620 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to the exemplary embodiment of the present invention, the key input unit 620 may provide key data corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal (eg, a payment amount). It is preferable to perform the function of the key input means for receiving the input, and also for inputting at least one or more key data required in the process of providing the predetermined wireless payment service from the key input device for the predetermined wireless payment service according to the present invention. It is preferable to perform the function of the receiving key input means.

According to an exemplary embodiment of the present invention, a key input device corresponding to the key input unit 620 may perform a short range wireless payment for a predetermined wireless payment service according to the present invention in an initial mode or a general payment mode of an operation mode of the payment terminal. It is preferable to comprise a key button for switching to a function.

The screen output unit 615 includes a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 605 while the payment terminal performs a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or is defined in real time to be output to a predetermined screen output device to output through a predefined interface screen, the screen output unit 615 and the screen output device is Interoperate with each other to perform the function of the screen output means provided in the payment terminal.

The predefined information or data to be output to the screen output device in the payment terminal is key data input through the key input unit 620 or information stored or generated by a component included in the payment terminal ( Or data), information (or data) transmitted / received through the communication processing unit 630, or (or data) corresponding to a predetermined operation result performed by the payment terminal.

According to a preferred embodiment of the present invention, the screen output unit 615 of the screen output means for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal It is preferable to perform a function, and to perform a function of a screen output means for outputting a processing screen corresponding to the predetermined wireless payment service providing step to the screen output device for a predetermined wireless payment service according to the present invention. desirable.

The communication processing unit 630 is a [server] or the payment that is connected through a payment network (eg, a value added network (VAN)) while the payment terminal performs a predetermined function (eg, an electronic payment processing function). It provides a predetermined communication means for connecting a communication session with a terminal (or device) connected to the terminal via a predetermined cable or a terminal (or device) connected to the payment terminal through a predetermined short-range wireless communication. A network communication unit for connecting a predetermined communication channel with a [server] on a wired / wireless network, a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, or at least one local area Short-range wireless communication for connecting a predetermined short-range communication terminal (or device) device with a predetermined communication session through a wireless communication means. Comprised, including parts, it comprises a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And connecting a communication channel with a [server] on a wired or wireless network through a predetermined wireless network including a communication network, and using a modem or a NIC for connecting the payment terminal to a predetermined wired or wireless network in hardware. Network Interface Card), and includes a communication protocol or driver for software to connect the payment terminal to the wired and wireless network.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for a short range wireless communication, and comprises a communication protocol or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The security application module (635) is a confidentiality (Authentication) or authentication (Integrity) required by the payment terminal to perform the electronic payment or electronic payment using the card. Or a security device for performing security requirements including nonrepudiation, etc. in a secure and reliable structure within the payment terminal without using an authentication server (or [server]) on a payment network. An authenticator who encrypts or decrypts a predetermined message (information or data) processed in the course of performing this predetermined security request function (e.g., electronic payment or electronic payment function) and prevents forgery (or tampering) of the message. In addition, or performing the function of storing important information in the process of performing the security request function. And a gong.

In general, the security application module 635 is preferably composed of a predetermined security application module 635 inserter and the security application module 635 chip, the security application module 635 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 635 is at least one or more security application data (eg, at least one or more identifier, version, expiration date, issue date, code value, etc.) or key required for the payment terminal to perform a predetermined security request function (E.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation command). It is preferable to make it.

The print output unit 640 may receive predetermined information or data (eg, payment processing result information or data) generated as a result of, or as a result of, the payment terminal performing a predetermined function (for example, an electronic payment processing function). And a printing protocol and a driver for printing the print information or data through a predetermined printing device in accordance with a predefined printing form.

Referring to FIG. 6, the payment terminal is a mode checking unit for confirming whether an operation mode of the payment terminal is a short range wireless payment function corresponding to the predetermined wireless payment service in order to provide a predetermined wireless payment service according to the present invention. And 655, when the operation mode of the payment terminal is the short range wireless payment function, receiving priority payment means information for the predetermined wireless payment service from the wireless terminal through the cable communication unit or the short range wireless communication unit. An information receiving unit 665, an information input unit 660 for receiving payment information (payment amount, etc.) through a predetermined key input unit, and received through the information acceptor 665, and the information input unit 660. Full text generation unit 670 for generating a payment approval request text containing at least one of the priority payment means information and payment information input through the A specialized transmission unit 675 for transmitting the generated payment approval request message to the payment server on the payment network through the communication processor 630, and the payment from the payment server on the payment network through the communication processor 630; Receives a payment approval message including a payment processing history corresponding to the full text of the approval request, and outputs the payment processing history included in the payment approval message through the screen output unit 615 or the print output unit 640. It characterized in that it comprises a specialized processing unit 680 to print out through.

The mode checking unit 655 periodically checks whether the operation mode of the payment terminal is a short range wireless payment function corresponding to the predetermined wireless payment service (or in response to the short range wireless payment function switching key event). It is done.

If the check result is that the operation mode of the payment terminal is not the short range wireless payment function, the payment terminal performs a conventional electronic payment processing function, while the operation mode of the payment terminal is confirmed as the short range wireless payment function, the mode The identification unit outputs the result of the short range wireless payment function verification through the screen output unit 615 and then provides the information to the information receiving unit 665.

The information receiving unit 665 receives priority payment means information for the predetermined wireless payment service from the wireless terminal through the short range wireless communication unit when the operation mode of the payment terminal is the short range wireless payment function as a result of the confirmation. It is characterized by.

The information input unit 660 receives the predetermined wireless payment service from a predetermined key input unit through the key input unit 620 to process an electronic payment corresponding to a short range wireless payment function for the predetermined wireless payment service. Characterized in that for inputting payment information (payment amount, etc.), wherein the input payment amount information is provided to the full text generation unit.

The full text generation unit may generate a full payment approval request text including at least one of the payment means information, the payment amount information, and the like inputted through the information input unit. to provide.

The specialized transmission unit transmits the payment approval request message generated by the specialty generation unit to the payment server on the payment network through the communication processing unit 630. In response, the payment server requests the payment approval request. After performing a predetermined payment processing procedure for providing the predetermined wireless payment service through a full text, a payment processing history corresponding to any of payment approval details or payment error details corresponding to the payment processing result is generated, A predetermined payment approval text including the payment processing details is generated and transmitted to the payment terminal through the payment network.

After the payment approval request message is transmitted to the payment server through the specialized transmission unit, the professional processing unit 680 performs payment corresponding to the payment approval request message from the payment server on the payment network through the communication processing unit 630. Periodically (or in response to the full text reception event of the communication processing unit 630), a payment approval text including a processing history is received.

If a payment approval message including a payment processing history corresponding to the payment approval request message is received through the communication processing unit 630, the expert processing unit 680 may include a payment processing history (for example, included in the payment approval message). Payment approval details or payment error details) may be output through the screen output unit 615 or printed through the print output unit 640, thereby providing the predetermined wireless payment service. The electronic payment procedure for this is completed.

According to the present invention, the customer has an advantage of being able to preferentially use a card mainly used by the user among various cards mounted on the IC chip of the wireless terminal.

Claims (4)

In a wireless terminal that is mounted or detached IC chip containing one or more financial information, Among the financial information stored in the IC chip-credit card information, securities information, account information, prepaid card information, electronic money information-select and store the specific financial information to use preferentially, when receiving wireless payment request information, An information processing unit for extracting (or confirming) the financial information selected for the preferential use from the IC chip; And an information transmitter for transmitting the financial information extracted from the IC chip to the terminal (or server) that has requested the wireless payment. In the method of selecting the financial information use priority using a wireless terminal that is mounted or detached IC chip equipped with one or more financial information, First outputting one or more financial information stored in the IC chip in response to a predetermined key input (or selection) for selecting financial information; Receiving (or inputting) financial information to be used as a priority among the one or more financial information output on the screen; And And storing the financial information to be used as the selected (or input) priority in a wireless terminal memory (or IC chip). The method of claim 2, Receiving a message for a wireless payment request from the wireless payment request terminal; Checking whether there is financial information to be used as a priority in the wireless terminal memory (or IC chip); And transmitting the financial information to be used as the priority to the wireless payment request terminal when the financial information to be used as the priority exists. A computer-readable recording medium recording a program for executing the method of claim 2.

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