KR20100009096A - The money auto updating system and method of the smart card which is built in the cellular phone - Google Patents

The money auto updating system and method of the smart card which is built in the cellular phone Download PDF

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Publication number
KR20100009096A
KR20100009096A KR1020080069804A KR20080069804A KR20100009096A KR 20100009096 A KR20100009096 A KR 20100009096A KR 1020080069804 A KR1020080069804 A KR 1020080069804A KR 20080069804 A KR20080069804 A KR 20080069804A KR 20100009096 A KR20100009096 A KR 20100009096A
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KR
South Korea
Prior art keywords
charge
charging
information
automatic
smart card
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KR1020080069804A
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Korean (ko)
Inventor
김도준
박성호
이선구
황진우
Original Assignee
주식회사 티모넷
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Priority to KR1020080069804A priority Critical patent/KR20100009096A/en
Publication of KR20100009096A publication Critical patent/KR20100009096A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349Rechargeable cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks
    • G06Q20/3255Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks using an SMS for payment
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes with the personal data files for a user
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Abstract

PURPOSE: A system for automatically updating the balance of charged money in a smart card included in a cellular phone is provided to update the balance of charged money by automatically adding the amount of charged money to the existing money in a smart card. CONSTITUTION: An automatic charging server(300) creates charging user information by reading out terminal identification data and smart card identification information, and generates the information for the deposit of charging advance money by reading out the charging request information. The automatic charge server confirms the deposit, and generates an SMS for acknowledgement history of charge request.

Description

Automatic Renewal Amount of Smart Card in Mobile Phone and its Method {THE MONEY AUTO UPDATING SYSTEM AND METHOD OF THE SMART CARD WHICH IS BUILT IN THE CELLULAR PHONE}

The present invention relates to a system for automatically renewing the amount of charge of a smart card and a method thereof, and more particularly, when the amount of charge in a smart card embedded in a mobile phone is changed to less than a reference amount, an automatic charge amount set in advance in the amount of charge in the smart card. The present invention relates to a system for automatically updating the amount of charge of a smart card embedded in a mobile phone and automatically updating the sum.

Smart card is an electronic credit card that can hold a large amount of information with IC (Integrated Circuit) memory element and is divided into memory type smart card and smart card with microprocessor.

Memory type smart card is a smart card without built-in microprocessor. It is a type that includes security device in addition to memory that is mainly used in the fields that can be treated as securities such as public phone card or purchase right, and pure data such as medical insurance card. For storage purposes only memory is built-in.

A smart card with a built-in microprocessor is a card that can carry out functions such as decision, operation, and data protection by embedding a microprocessor and memory. It supports bidirectional information transfer by embedding a microprocessor, memory, input / output protocol, and application program.

Smartcards with microprocessors, which are widely used in mobile communication terminals, have smart card identification information and charge amount information in the USIM (Universal Subscriber Identity Module) embedded therein. Play a role.

Such smart cards can be replaced with credit cards, but the complexity of the issuance standards makes it difficult for students including teenagers to use them, and it causes enormous damage when the issued credit card is lost. I prefer smart cards.

However, the current smart card has to be charged so that the remaining balance is kept at a certain amount, and this charging process is performed by the user carrying cash and visiting the place where the charging means is provided, or recording such as a computer. It causes inconvenience of having to perform user confirmation and charge settlement through financial company online through the media.

The present invention has been made to solve the above problems, when the charge balance in the smart card embedded in the mobile phone is changed to less than the automatic charge threshold amount, the automatic charge amount set from the charge balance previously set in the automatic charge server is subtracted. At the same time, by adding an automatic charge amount to the balance remaining in the smart card through SMS sending and updating the remaining balance, the system automatically renews the charge amount of the smart card in the mobile phone, which minimizes the inconvenience of the user for charging the smart card. Its purpose is to provide a method.

In order to achieve the above technical problem, the system for automatically updating the charge amount of a smart card embedded in a mobile phone according to the present invention generates terminal identification data according to charging request information received from a user, charging request information, terminal identification data, and the device. Generates the mobile charging request information including the set smart card identification information, the user terminal to generate the mobile charging completion information by receiving the charge request approval SMS, and read the terminal identification data to generate the user information, the user's charge Generate prepayment payment information to transfer recharge prepayment, receive a recharge application approval history SMS to update the repayment prepayment payment information, and read the terminal identification data and smart card identification information to generate recharge user information, recharge Read the request information and generate the deposit down payment request information It includes an automatic charging server that checks the deposit of the down payment and updates the charging user information according to the correspondence with the charged amount included in the request for deposit down payment, and also generates an SMS for approval of the charging application.

The user terminal, when the charge balance stored in the smart card is changed to less than the automatic charge threshold amount included in the charge request information, generates an automatic charge request SMS, and receives the automatic charge approval history SMS to update the mobile charge completion information, The automatic charging server may receive the automatic charging request SMS, subtract the automatic charging amount from the charging amount included in the mobile charging request information, update the charging user information, and generate the automatic charging approval history SMS.

In addition, the automatic renewal method based on the automatic renewal of the amount of charge of the smart card built into the mobile phone, when the user terminal is changed to the amount of charges stored in the smart card is less than the standard amount of automatic charge, the system for generating an automatic charge request SMS In the first step, the automatic charging server receives the automatic charging request SMS, indexes the charging user information, sends the generated automatic charging approval history SMS, and the user terminal receives the automatic charging approval history SMS from the smart card. The third process of updating the mobile charging complete information stored in advance and sending the generated automatic charging complete SMS, providing the updated mobile charging complete information to the user, and the automatic charging server receives the automatic charging complete SMS to finance Send the down payment deposit request information to the server, and the down payment corresponding to the down payment payment information generated by the financial server The automatic charge server sends money and updates the prepaid payment information. The automatic charge server checks the deposit of the prepaid funds, deducts the automatic charge amount from the charge amount already stored in the charging DB, and updates the stored user information. The fourth step is made.

In addition, the automatic renewal method based on the automatic renewal of the charge amount of the smart card embedded in the mobile phone, when the user's terminal charge balance stored in the smart card is changed to less than the automatic charge reference amount, generates an automatic charge request SMS The eleventh process of sending a message, the automatic charging server receiving an automatic charge request SMS, an eleventh process of indexing the charging user information, and transmitting the generated real-time payment approval request information; A twelfth step of sending the charged down payment corresponding to the charged down payment payment information generated and received to the automatic charging server, and sending the automatic charging approval history SMS generated by the automatic charging server confirming the deposit of the charged down payment to the user terminal; and Based on the automatic charge approval SMS received by the user terminal, the mobile charging completion information previously stored in the smart card is Sinham as well as transmitting the automatically generated charging completion SMS, and comprises the process of claim 13 to provide an updated mobile charge completion information to the user.

According to the present invention as described above, if the charge balance in the smart card embedded in the mobile phone is changed to less than the automatic charge reference amount, the automatic charge amount set out from the charge balance already paid to the automatic charge server and at the same time through SMS sending By adding the automatic recharge amount to the recharging balance in the smart card to update the recharging balance, the user can automatically update the recharging balance in the smart card without having to carry the cash to recharge the smart card and move to the place where the recharging means are provided. It works.

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, the terms or words used in the present specification and claims are defined in the technical spirit of the present invention on the basis of the principle that the inventor can appropriately define the concept of the term in order to explain his invention in the best way. It should be interpreted to mean meanings and concepts. In addition, when it is determined that the detailed description of the known function and its configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted.

1 is a block diagram showing a system for automatically updating the amount of charge of a smart card embedded in a mobile phone according to the first embodiment of the present invention, and FIG. 2 is a smart phone embedded in the mobile phone according to the first embodiment of the present invention. Figure 3 is a view showing the relationship between the components of the user terminal 100 of the automatic renewal amount of card payment system, Figure 3 is a financial server of the automatic renewal amount system of the smart card embedded in a mobile phone according to a first embodiment of the present invention 4 is a diagram showing the relationship between the components of Figure 200, Figure 4 is a relationship between the components of the automatic charge server 300 of the automatic renewal amount of charge system of the smart card embedded in the mobile phone according to the first embodiment of the present invention The figure shown.

As shown in FIG. 1, a system for automatically updating the amount of charge of a smart card embedded in a mobile phone according to the first embodiment of the present invention, the user terminal 100, the financial server 200, and the automatic charging server 300 are shown in FIG. 1. ) And the management server 400.

Hereinafter, the description will be omitted, but it is assumed that the information transmission between the user terminal 100, the financial server 200, the automatic charging server 300 and the management server 400 according to the present invention is made through the information communication network. .

The user terminal 100 generates terminal identification data according to the charging request information input from the user 10, and the charging amount, automatic charging amount, automatic charging reference amount and monthly charging limit amount included in the charging request information, and the terminal. Generates mobile charging request information including identification data and preset smart card identification information, and generates mobile charging completion information according to the received charging application approval history SMS (Shot Message Service) and provides it to the user (10) , If the charge balance is changed to less than the automatic charge threshold amount, generates an automatic charge request SMS, and performs the function of providing the user 10 by updating the mobile charging completion information according to the received automatic charge approval history SMS , An input module 110, a smart card 120, a first communication module 130, and an output module 140.

Specifically, referring to FIG. 2, the input module 110 receives charging request information according to the operation of the user 10, and the smart card 120 generates terminal identification data according to the charging request information and also charges it. Generate the mobile charge request information including the charge amount, the automatic charge amount, the automatic charge reference amount and the monthly charge limit amount included in the request information, the terminal identification data and the smart card identification number, and according to SMS Providing the mobile charging complete information indicating the completion of charging for the mobile charging request information, and provides to the user 10, if the charge balance is changed to less than the automatic charging threshold, generates an automatic charging request SMS, automatic charging According to the approval history SMS adds the automatic charge history to the pre-stored charge balance to update the mobile charging completion information.

In addition, the smart card identification number, terminal identification data, charge balance, automatic charging reference value information and mobile charging completion information is stored.

Here, the smart card 120 has a built-in Universal Subscriber Identity Module (USIM) inserted into the user terminal 100 and is inserted into any one of mobile terminals capable of mobile communication including a mobile phone and a PDA.

The first communication module 130 transmits the mobile charging request information to the financial server 200, receives the charging request approval history SMS and the automatic charge approval history SMS from the automatic charging server 300, automatic charging request SMS and automatic The charging complete SMS is sent to the automatic charging server (300).

The output module 140 outputs the mobile charging request information, the charging application approval history SMS, the mobile charging completion information, the automatic charging request SMS, the automatic charging approval history SMS, and the automatic charging completion SMS to the user.

The financial server 200 reads the terminal identification data included in the mobile charging request information received from the user terminal 100 to generate user information, and generates and charges the user's charge down payment payment information according to the charge down payment request information. Remitting the down payment and performing the function of updating the charge down payment payment information according to the received SMS application approval history bar, the second communication module 210, payment information DB 220, identification data reading module 230 And payment information generation module 240.

Here, the financial server 200 includes any one of a bank and a credit card company, and the remittance of the down payment is prepaid settlement is performed according to the agreement with the automatic charging server 300, but is not limited to the prepaid settlement, the financial server ( It is also configured to enable settlement of post-payments between the 200 and the automatic charging server 300.

Specifically, referring to FIG. 3, the second communication module 210 receives the mobile charging request information from the user terminal 100, transmits the mobile charging request information to the automatic charging server 300, and the automatic charging server ( Remittance advance payment to 300, and receives the charge advance payment request information and the charge application approval history SMS from the automatic charge server (300).

The payment information DB 220 stores terminal identification data, user information, and prepaid payment information, and the identification data reading module 230 reads the terminal identification data included in the mobile charging request information to generate user information.

The payment information generation module 240 reads the charge amount included in the charge down payment request information, generates charge advance payment information so as to correspond to the user information, and charges the down payment according to the charge advance payment information. Through the automatic charging server 300 to transmit, and update the prepayment payment information previously stored in the payment information DB 220 according to the received charge application approval history SMS.

The automatic charging server 300 reads the terminal identification data and the smart card identification information included in the mobile charging request information received from the financial server 200 to generate charging user information, as well as the charging amount, automatic charging amount, and automatic charging. Read the standard amount and the monthly charge limit amount to generate the deposit down payment request information, and confirm the deposit of the down payment, update the charging user information according to the correspondence with the charged amount, and generate a charge application approval history SMS However, when receiving the automatic charging request SMS, indexing the charging user information to deduct the automatic charging amount from the charging amount and to update the charging user information, and performs the function of generating the automatic charging approval history SMS, 3 comprises a communication module 310, the charging DB 320 and the charging user information generation module 330.

Specifically, referring to FIG. 4, the third communication module 310 receives the mobile charge request information, checks the deposit of the charge advance payment, and charges the deposit advance payment request information and the charge application approval history to the financial server 200. Sending, and sends the approval request SMS and the automatic charge approval history SMS to the user terminal 100, and receives the automatic charge request SMS.

The charging DB 320 stores mobile charging request information, charging user information, charging advance payment request information, charging advance, charging application approval history SMS, automatic charging request SMS and automatic charging approval history SMS.

The charging user information generation module 330 reads the terminal identification data and the smart card identification information included in the mobile charging request information to generate charging user information, as well as the charging amount, automatic charging amount, automatic charging reference amount and monthly charging limit. Read the amount to generate the charge down payment request information, and receives the charge down payment to update the charging user information previously stored in the charge DB (320) in accordance with the correspondence with the charge amount and generate a charge application approval history SMS When receiving the automatic charging request SMS, the charging user information is indexed, the automatic charging amount is subtracted from the charging amount, the charging user information is updated, and the automatic charging approval details SMS according to the automatic charging is transmitted to the third communication module 310. Through) to be sent to the user terminal 100.

And, the management server 400, the mobile charging request information, charging user information, charging advance payment request information, charging advance payment, charging application approval history SMS stored in the charging DB 320 from the automatic charging server 300, automatic charging request Receives and stores the charge history information, including SMS and automatic charge approval history SMS.

Hereinafter, with reference to Figures 5 to 8 with respect to the automatic charge amount renewal method using the automatic charge amount update system (S) of the smart card embedded in the mobile phone according to the first embodiment of the present invention as follows. .

First, the user terminal 100 looks at the process of approving the automatic charging service that is premature to use the automatic charging service.

5 and 8, the user terminal 100 receives the charge request information from the user 10 to generate the terminal identification data (S101), the charge amount included in the charge request information, automatic charge amount, automatic Mobile charging request information including the charging reference amount and the monthly charging limit amount, the terminal identification data and the smart card identification information previously stored in the smart card 120 is generated (S102) and transmitted to the financial server 200 (S103). ).

Subsequently, the financial server 200 reads the terminal identification data included in the mobile charging request information received from the user terminal 100 (S201), generates user information (S202), and transmits it to the automatic charging server 300. (S203).

Then, the automatic charging server 300 reads the terminal identification data and smart card identification information included in the mobile charging request information received from the financial server 200 to generate charging user information (S301), charge amount, automatic charging The charge advance payment request information generated by reading the amount, the automatic charging reference amount and the monthly charging limit amount is transmitted to the financial server 200 (S302).

In addition, as shown in Figures 6 and 8, the financial server 200 generates the charging advance payment information of the user 10 in accordance with the charging advance payment request information received from the automatic charging server 300 (S204) Transfer the prepayment to the automatic charging server 300 (S205).

Subsequently, the automatic charging server 300 checks the deposit of the charging advance payment and updates the charging user information previously stored in the charging DB 320 according to whether the charging amount is matched with the charged amount (S303) and generates a charging application approval history SMS. And (S304), the charge request approval history SMS is sent to the user terminal 100 and the financial server 200 (S305).

In addition, the financial server 200 updates the prepaid payment information stored in the payment information DB 220 according to the charge application approval history SMS received from the automatic charging server 300 (S206), and the user terminal 100 According to the charge request approval history SMS received from the automatic charging server 300 generates mobile charging complete information (S104) and provides to the user (10) (S105).

On the other hand, as described above, after the user terminal 100 is approved the automatic charging service, that is, after receiving the charge request approval SMS from the automatic charging server 300, the user terminal 100 receives the automatic charging service The process is as follows.

On the other hand, as shown in Figure 7 and 8, when the user terminal 100 is changed to less than the automatic charge threshold amount stored in the smart card 120 (S106), generates an automatic charge request SMS (S107) ) Sends to the automatic charging server 300 (S108).

Subsequently, the automatic charging server 300 receives the automatic charging request SMS from the user terminal 100, indexes charging user information (S306), and sends the generated automatic charging approval history SMS (S307 and S308).

Afterwards, according to the automatic charging approval history SMS received by the user terminal 100 updates the mobile charging complete information previously stored in the smart card 120, and sends the generated automatic charging complete SMS (S109 ~ S111), update The mobile charging completion information is provided to the user 10 (S112).

Then, the automatic charging server 300 receives the automatic charging completion SMS and transmits the charge down payment request information to the financial server 200 (S309) corresponding to the charge down payment payment information generated by the received financial server 200. Recharge the down payment to the automatic charging server 300 and update the charging down payment payment information (S207 ~ S209), the automatic charging server 300 checks the deposit of the charging down payment pre-stored in the charging DB (320) The amount of automatic charging is subtracted from the amount and the pre-stored charging user information is updated (S310).

Hereinafter, an automatic renewal of the charge amount of the smart card embedded in the mobile phone according to the second embodiment of the present invention.

The automatic update of the amount of charge of the smart card embedded in the mobile phone according to the second embodiment is based on the first embodiment described above, but as shown in FIG. 9, the smart card provided in the user terminal 100 ( 120, the function is different.

That is, in the first embodiment, the smart card 120 generates the mobile charging request information, generates the mobile charging completion information according to the charging application approval history SMS, and provides the user with the charging balance. When changed to less than, it generates an automatic charge request SMS, and configured to perform the function of updating the mobile charging completion information by adding the automatic charge history to the charge balance stored in the smart card 120 according to the automatic charge approval history SMS.

On the other hand, the second embodiment further includes a VM (Virtual Machine) 150 connected to the smart card 120 to control a series of functions performed by the smart card 120 of the first embodiment described above. .

Specifically, referring to FIG. 10, the user terminal 100 includes an input module 110, a smart card 120, a communication module 130, an output module 140, and a VM 150.

The smart card 120 stores the smart card identification number, terminal identification data, charge balance, automatic charging reference amount information and mobile charging completion information.

In addition, the VM 150 generates terminal identification data according to the charge request information, and also includes a charge amount, an automatic charge amount, an automatic charge reference amount and a monthly charge limit amount included in the charge request information, and the terminal. Generate mobile charging request information including identification data and smart card identification number, and generate the mobile charging completion information that means the completion of charging for the mobile charging request information according to the charge request approval SMS, and provide it to the user, When the charge balance is changed to less than the automatic charge threshold amount, generates an automatic charge request SMS, and adds the automatic charge details to the charge balance stored in the smart card 120 according to the automatic charge approval history SMS to update the mobile charge completion information. .

And, the input module 110, the first communication module 130, the output module 140 is configured and operated in the same manner as the first embodiment of the present invention described above, the financial server 200, automatic charging server ( 300 and the management server 400 is also the same as the first embodiment.

Hereinafter, a method for automatically updating the charge amount of the smart card embedded in the mobile phone according to the third embodiment of the present invention.

The method for automatically updating the charge amount of the smart card embedded in the mobile phone according to the third embodiment is based on the above-described first embodiment, as shown in FIG. 11, the financial server 200 and the automatic charging server 300. ) Function is different.

That is, according to the first embodiment, after the automatic charging of the user terminal 100 is completed, the automatic charging server 300 receives a down payment according to the charging from the financial server 200 and updates the charging user information.

On the other hand, in the third embodiment, after the automatic charging server 300 receives the automatic charging request SMS from the user terminal 100 and at the same time sends the real time payment approval request information to the financial server 200 to receive the down payment, After confirming that the automatic charging of the user terminal 100 is completed, the configuration of updating the charging user information.

11, the steps S101 to S105, the steps S201 to S206, and the steps S301 to S305 are automatically performed by the charge amount of the smart card embedded in the mobile phone according to the first embodiment. It is assumed that it is configured in the same way as the update method.

In detail, referring to FIG. 11, when the user terminal 100 changes the charge balance stored in the smart card 120 to less than the standard amount of automatic charging (S106), an automatic charging request SMS is generated (S107). Send to server 300 (S108).

Subsequently, the automatic charging server 300 receives the automatic charging request SMS from the user terminal 100, indexes charging user information (S311), and transmits the generated real-time payment approval request information to the financial server (S312).

Afterwards, the financial server 200 receives the real-time payment approval request information and recharges the down payment corresponding to the charging down payment payment information generated by the automatic charging server 300 (S210, S211), and the automatic charging server 300 The automatic charge approval history SMS generated by checking the deposit of the down payment is sent to the user terminal 100 (S313 and S314).

Subsequently, according to the automatic charging approval history SMS received by the user terminal 100, the mobile charging completion information previously stored in the smart card 120 is updated, and the generated automatic charging completion SMS is sent (S109 to S111). The mobile charging completion information is provided to the user 10 (S112).

In addition, the automatic charging server 300 sends the automatic charge completion SMS received to the financial server 200 and updates previously stored charging user information (S315, S316), and the automatic charging received by the financial server 200. The charging advance payment information is updated according to the completion SMS (S212).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

1 is a block diagram showing a system for automatically updating the amount of charge of a smart card embedded in a mobile phone according to a first embodiment of the present invention.

2 is a view showing the relationship between the components of the user terminal 100 of the automatic renewal amount payment system of the smart card embedded in the mobile phone according to the first embodiment of the present invention.

3 is a view showing the relationship between the components of the financial server 200 of the automatic renewal of the amount of charge of the smart card embedded in the mobile phone according to the first embodiment of the present invention.

Figure 4 is a view showing the relationship between the components of the automatic charge server 300 of the automatic renewal amount of charge system of the smart card embedded in the mobile phone according to the first embodiment of the present invention.

5 is a flowchart illustrating fourth through sixth steps of a method for automatically updating a charge amount of a smart card embedded in a mobile phone according to a first embodiment of the present invention.

6 is a flowchart illustrating seventh to eighth steps of a method for automatically updating a charge amount of a smart card embedded in a mobile phone according to a first embodiment of the present invention.

7 is a flow chart showing the first to third processes of the method for automatically updating the amount of charge of the smart card embedded in the mobile phone according to the first embodiment of the present invention.

8 is a flow chart showing the relationship between the components according to the method for automatically updating the charge amount of the smart card embedded in the mobile phone of the present invention.

9 is a block diagram showing a system for automatically updating the charge amount of a smart card embedded in a mobile phone according to a second embodiment of the present invention.

10 is a view showing the relationship between the components of the user terminal 100 of the automatic renewal amount of charge system of the smart card embedded in a mobile phone according to a second embodiment of the present invention.

11 is a view showing a method for automatically updating the amount of charge of a smart card embedded in a mobile phone according to a third embodiment of the present invention.

** Description of symbols for the main parts of the drawing **

S: Automatic renewal system for the amount of smart card

10: user 100: user terminal

110: input module 120: smart card

130: first communication module 140: output module

150: VM 200: financial server

210: second communication module 220: payment information DB

230: identification data reading module 240: payment information generation module

300: automatic charging server 310: third communication module

320: charging DB 330: charging user information generation module

400: management server

Claims (12)

  1. In the automatic renewal of the charge amount of the smart card embedded in the mobile phone,
    Generate terminal identification data according to the charging request information received from the user 10, generate mobile charging request information including the charging request information, the terminal identification data and the predetermined smart card identification information, charging application approval history A user terminal 100 receiving the SMS and generating mobile charging completion information;
    The financial server 200 to read the terminal identification data to generate user information, to generate the prepaid payment information of the user to transfer the prepaid funds, and to receive the charge application approval details SMS and update the prepaid payment information. ; And
    Read the terminal identification data and smart card identification information to generate charging user information, read the charge request information to generate the charge down payment request information, and confirm the deposit of the charge down payment to the charge down payment request information An automatic charging server 300 for updating the charging user information and generating a charging request approval history SMS according to whether the corresponding charging amount is included; Including but not limited to:
    The user terminal 100, when the charge balance stored in the smart card 120 is changed to less than the standard amount of automatic charge included in the charge request information, generates an automatic charge request SMS, and receives the automatic charge approval history SMS The mobile charging completion information is updated, and the automatic charging server 300 receives the automatic charging request SMS, subtracts the automatic charging amount from the charging amount included in the mobile charging request information, and adds the charging user information. Renewal, automatic charging amount of the smart card embedded in the mobile phone, characterized in that for generating an automatic charge approval history SMS.
  2. The method of claim 1,
    The smart card 120,
    Smart card identification number, terminal identification data, charge balance, automatic charging reference value information and mobile charging completion information, the automatic charge system for updating the charge amount of the smart card embedded in the mobile phone, characterized in that for storing.
  3. The method of claim 1,
    The smart card 120,
    The built-in Universal Subscriber Identity Module (USIM) is inserted into the user terminal 100, and is inserted into any one of the terminals capable of mobile communication including a mobile phone and a PDA.
    Automatic update of the charge amount of the smart card embedded in the mobile phone, characterized in that for detecting that the charge balance is changed to less than the automatic charge reference amount.
  4. The method of claim 1,
    The user terminal 100,
    When the charge balance is changed to less than the automatic charge threshold amount, the automatic charge request SMS is generated, and the mobile charge is completed by adding the automatic charge history to the charge balance stored in the smart card 120 according to the automatic charge approval history SMS. A VM 150 for updating the information; Automatically update the amount of charge of the smart card embedded in the mobile phone, characterized in that it further comprises a.
  5. The method of claim 1,
    The financial server 200,
    Read the charge amount included in the charge down payment request information, generate charge down payment information to correspond to the user information, and charge the down payment according to the charge down payment information through the second communication module 210; A payment information generation module 240 for transmitting to the server 300 and updating the prepaid payment information previously stored in the payment information DB 220 according to the received charge application approval history SMS; Automatic update of the amount of charge of the smart card embedded in the mobile phone comprising a.
  6. The method of claim 1,
    The charge request information,
    Automatic charging amount of the smart card embedded in the mobile phone, characterized in that it comprises a charge amount, automatic charge amount, automatic charge reference amount and monthly charge limit amount.
  7. The method of claim 1,
    The mobile charging request information,
    Automatic charging system for the charge amount of the smart card embedded in the mobile phone, characterized in that it comprises the charge request information, the terminal identification data and smart card identification information.
  8. In the method of automatically renewing the charge amount of the smart card built into the mobile phone,
    A first process of generating, by the user terminal 100, the automatic charge request SMS when the charge balance stored in the smart card 120 is lower than the automatic charge reference amount;
    A second step in which the automatic charging server 300 receives the automatic charging request SMS, indexes charging user information, and sends the generated automatic charging approval history SMS;
    The user terminal 100 receives the automatic charging approval history SMS, updates the mobile charging completion information previously stored in the smart card 120, sends the generated automatic charging completion SMS, and updates the updated mobile charging completion information. Providing a third process to the user 10; And
    The automatic charging server 300 receives the automatic charging completion SMS and transmits charge down payment request information to the financial server 200, and charges down payment corresponding to the charging down payment payment information generated by the financial server 200. The recharge transfer payment information is updated to the automatic charging server 300 and the charging advance payment information is updated. A fourth step of subtracting and updating previously stored charging user information; How to automatically renew the amount of charge of the smart card embedded in the mobile phone comprising a.
  9. The method of claim 8,
    Prior to the first process,
    The user terminal 100 receives the charge request information from the user 10 and generates terminal identification data, and includes the charge amount, the automatic charge amount, the automatic charge reference amount, and the monthly charge limit amount included in the charge request information. A fourth process of generating mobile charging request information including terminal identification data and smart card identification information previously stored in the smart card 120;
    A fifth step of the financial server 200 reading user terminal identification data included in the mobile charging request information and generating user information; And
    The automatic charging server 300 reads the terminal identification data and the smart card identification information included in the mobile charging request information to generate charging user information, the charging amount, automatic charging amount, automatic charging reference amount and monthly charging limit amount A sixth process of reading the charge and generating the charge down payment deposit information; How to automatically renew the amount of charge of the smart card built in the mobile phone comprising a.
  10. The method of claim 9,
    After the sixth process and before the first process,
    A seventh process of the financial server 200 generating the charged down payment payment information of the user 10 according to the charged down payment deposit request information and remitting the charged down payment to the automatic charging server 300;
    The automatic charging server 300 checks the deposit of the advance payment and updates the charging user information previously stored in the charging DB 320 according to the correspondence with the charged amount, and generates a charge application approval history SMS. 8 courses; And
    The financial server 200 receives the charge application approval history SMS to update the prepayment payment information previously stored in the payment information DB 220, and receives the charge application approval history SMS to generate the mobile charging completion information; 9 courses; How to automatically renew the amount of charge of the smart card built in the mobile phone comprising a.
  11. In the method of automatically renewing the charge amount of the smart card built into the mobile phone,
    A tenth process of generating and sending an automatic charge request SMS when the user terminal 100 changes the charge balance stored in the smart card 120 to less than the automatic charge reference amount;
    An eleventh process of the automatic charging server 300 receiving the automatic charging request SMS to index charging user information and transmitting the generated real-time payment approval request information;
    The financial server 200 transfers the charging down payment corresponding to the charging down payment payment information generated by receiving the real-time payment approval request information to the automatic charging server 300, and the automatic charging server 300 of the charging down payment A twelfth process of sending an automatic charge approval history SMS generated by checking a deposit to the user terminal 100; And
    According to the automatic charging approval history SMS received by the user terminal 100 updates the mobile charging completion information previously stored in the smart card 120, and sends the generated automatic charging completion SMS, the updated mobile charging completion A thirteenth process of providing information to the user 10; How to automatically renew the amount of charge of the smart card built in the mobile phone comprising a.
  12. The method of claim 11,
    After the thirteenth process,
    The automatic charging server 300 sends the automatic charging complete SMS to the financial server 200 and updates previously stored charging user information, and the financial server 200 charges the mobile terminal according to the automatic charging complete SMS. A fourteenth step of updating the down payment information; Method for automatically renewing the amount of charge of the smart card embedded in the mobile phone further comprises a.
KR1020080069804A 2008-07-18 2008-07-18 The money auto updating system and method of the smart card which is built in the cellular phone KR20100009096A (en)

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PCT/KR2009/000492 WO2010008122A1 (en) 2008-07-18 2009-02-02 System for updating recharged balance on smart card embedded in mobile phone and method thereof
JP2009167759A JP2010027055A (en) 2008-07-18 2009-07-16 System for automatically updating charged amount on smart card embedded in cellular phone and method thereof

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