KR20180022743A - Method for Providing Service by using Mobile Device - Google Patents

Abstract

The present invention relates to a service providing method using a wireless terminal. A method is executed by a server and a program of a wireless terminal of a user including a medium reader unit capable of interfacing with a contactless medium while being carried by a user receiving the service from a service providing institution. The program of the wireless terminal of the user stores target authentication information for authenticating and identifying the user of the wireless terminal as a service target in a designated storage area of a memory unit included in the wireless terminal of the user. The program of the wireless terminal of the user checks the unique authentication information of the contactless medium read from a contactless medium carried by the service provider, who belongs to a service providing institution, through the medium reader unit. When the program of the wireless terminal of the user provides the target authentication information, stored in the designated storage area of the memory unit, and the unique authentication information of the read contactless medium to the server, the server receives the unique authentication information of the contactless medium and the target authentication information. The server approves provision of the service through the program of the wireless terminal of the user corresponding to the target authentication information and through the service provider of the service providing institution corresponding to the unique authentication information of the contactless medium. If the server provides the approval details regarding the service providing approval, the program of the wireless terminal of the user receives and outputs the approval details.

Description

TECHNICAL FIELD [0001] The present invention relates to a service providing method using a wireless terminal,

The present invention relates to a program executed by a program and a server of a user wireless terminal having a media reader unit which is carried by a user provided by a service provider and can interface with a contactless medium, The method of claim 1, further comprising storing, in a designated storage area of a memory unit of the wireless terminal, target authentication information for performing identification and authentication of a user of the wireless terminal as a service target, Contact medium that is read from the non-contact medium, and the program of the user wireless terminal provides the server with the unique authentication information of the read non-contact medium and the object authentication information stored in the designated storage area of the memory unit , The server Wherein the server receives unique authentication information of the noncontact medium and the object authentication information, and the server transmits, via the service provider of the service provider corresponding to the unique authentication information of the noncontact medium, And a service providing unit for providing a service using a wireless terminal that receives and records the approval details of the program of the user wireless terminal when the server approves the provision of the service through the program of the terminal, ≪ / RTI >

As society becomes polarized, various forms of vouchers are being offered to low-income people and those who satisfy certain conditions.

However, since the conventional voucher is provided in the form of paper, there is an inconvenience that a paper-like voucher must be received in order to use the voucher.

In order to solve the inconvenience of the receipt of the voucher as described above, a voucher has been proposed in the form of a card medium in connection with a voucher instead of a paper. However, in order to use the voucher in the form of a card medium, (Or possession) of the voucher, it is suitable for a form in which the voucher recipient visits the voucher provider to receive the voucher service, but the voucher provider has many inconveniences to provide the voucher service by visiting the voucher recipient.

It is an object of the present invention to provide a method for executing a program and a program of a user wireless terminal having a media reader unit that is portable by a user who is provided with a service from a service provider and can interface with a non- The method comprising the steps of: storing target authentication information for identifying and authenticating a user of the wireless terminal as a service target in a designated storage area of a memory unit of the user wireless terminal; A second step of confirming unique authentication information of the noncontact medium read from the noncontact medium owned by the service provider belonging to the institution and a second step of transmitting the unique authentication information of the read noncontact medium and the designated storage area of the memory unit Saved destination authentication information A third step of the server receiving unique authentication information of the noncontact medium and the object authentication information; and a third step of the server receiving, via the service provider of the service providing organization corresponding to the unique authentication information of the noncontact medium, A fourth step of approving that the service is provided through a program of the user wireless terminal possessed by the user corresponding to the information, and a step of, when the server provides approval details approved for providing the service, And a fifth step of receiving and outputting the approval details, and outputting the approval details.

A method of providing a service using a wireless terminal according to the present invention is a method executed by a program and a server of a user wireless terminal having a media reader unit that is portable by a user who is provided with a service from a service provider and can interface with a non- Wherein the program of the user wireless terminal includes a first step of storing target authentication information for identifying and authenticating a user of the wireless terminal as a service in a designated storage area of a memory unit of the user wireless terminal, A second step of confirming the unique authentication information of the noncontact medium read from the noncontact medium held by the service provider belonging to the service provider through the medium reader unit and a second step of the program of the user wireless terminal reading the unique authentication information of the non- The memory unit A third step of the server providing unique authentication information of the noncontact medium and the object authentication information when the object authentication information stored in the storage area is provided to the server and a third step of the server providing the service corresponding to the unique authentication information of the non- A fourth step of approving the provision of the service through the program of the user wireless terminal possessed by the user corresponding to the object authentication information through the service provider of the institution, and a step of providing an approval history in which the server approves the provision of the service And a fifth step of the program of the user wireless terminal receiving and outputting the approval details.

In the second step, the program of the user wireless terminal acquires the unique authentication information of the noncontact medium through the GPS chip of the user wireless terminal, Further comprising the step of confirming the location information of the user wireless terminal, wherein the third step includes the step of the server receiving the location information if the program of the user wireless terminal provides the location information to the server And the fourth step further comprises the step of allowing the server to approve that the service is provided at the current location of the user wireless terminal corresponding to the location information.

In the method for providing a service using a wireless terminal according to the present invention, the object authentication information is stored in a database on the server in association with service object information identifying a user who receives a designated service from a service providing agency .

In the first step, the program of the user wireless terminal may include a service providing organization providing a service to a user in a designated storage area of a memory unit provided in the user wireless terminal Further comprising the step of storing unique authentication information of a service providing organization that performs identification and authentication, and the third step is a step in which the program of the user wireless terminal transmits unique authentication information of a service providing organization stored in a designated storage area of the memory unit to a server Wherein the server further comprises a step of receiving the unique authentication information of the service providing organization, wherein the server is provided with a service of the service providing organization corresponding to the unique authentication information of the service providing organization The method comprising the steps of:

A method for providing a service using a wireless terminal according to the present invention is a method executed by a user wireless terminal having a GPS chip and a media reader unit carried by a user who is provided with a designated service from a service provider, The method comprising the steps of: confirming unique authentication information of a noncontact medium read from a noncontact medium owned by a service provider belonging to the service providing organization and storing the unique authentication information of the noncontact medium acquired by the GPS chip A first step of identifying location information and extracting object authentication information for identifying and authenticating a user of the wireless terminal as a service object from a memory unit of the user wireless terminal; Information and the object authentication information to a designated server, A second step of requesting approval of a service provided by a user's wireless terminal corresponding to the target authentication information through a service provider corresponding to the unique authentication information of the noncontact medium at a current position corresponding to the position information of the wireless terminal; And a third step of receiving and outputting approval details for approving the provision of the service from the server.

In the method for providing a service using a wireless terminal according to the present invention, the object authentication information is stored in a database on the server in association with service object information identifying a user who receives a designated service from a service providing agency .

In the method of providing a service using a wireless terminal according to the present invention, the first step further includes checking the unique authentication information of the service provider from a memory unit of the user wireless terminal, , The unique authentication information of the service providing organization is provided to the server, and at the current location corresponding to the location information of the wireless terminal, the wireless terminal of the user corresponding to the target authentication information, through the service provider corresponding to the unique authentication information of the non- And requesting approval of the designated service of the service providing organization to be provided.

A method for providing a service using a wireless terminal according to the present invention is a method for allowing a user who is provided with a designated service from a service provider to be carried on a mobile terminal that is portable while being mobile and has a GPS chip and a media reader unit, The mobile terminal confirms the unique authentication information read from the service provider medium owned by the service provider belonging to the service providing organization through the medium reader unit, confirms the location information of the user-owned wireless terminal obtained through the GPS chip, A first step of confirming unique authentication information of the service provider from a memory of the service provider; a step of providing unique authentication information confirmed from the service provider medium, location information of the mobile terminal and unique authentication information of the service provider to a designated server The current location corresponding to the location information of the wireless terminal Value is in characterized in that it comprises a second step of a given service of the service provider the authentication request provided via a service provider that corresponds to the unique identification information of the service provider medium.

In the method for providing a service using a wireless terminal according to the present invention, the service provider medium may include at least one noncontact medium which is carried by a service provider belonging to the service provider and can be read through a medium reader unit of a user- And the like.

In the method of providing a service using a wireless terminal according to the present invention, the first step may further include checking unique authentication information of the wireless terminal from a memory unit or an IC chip of the user-possessed wireless terminal, Step 2 is a step of providing unique authentication information of the wireless terminal to the server and notifying the user of the wireless terminal corresponding to the unique authentication information of the wireless terminal at the current location corresponding to the location information of the wireless terminal, The method comprising the steps of:

A method of providing a service using a wireless terminal according to the present invention is a method executed by a user using a wireless terminal having a GPS chip and a media reader unit, A first step of confirming the unique authentication information read from the service provider medium owned by the service provider providing the service provider medium and confirming the location information of the user-owned wireless terminal obtained through the GPS chip, Providing authentication information and location information of the wireless terminal to a designated server, and requesting authentication from a service provider corresponding to unique authentication information of the service provider medium at a current location corresponding to the location information of the wireless terminal, And a second step.

In the method of providing a service using a wireless terminal according to the present invention, the service provider medium may include at least one of an IC card, an RF card, an RF device, and an RFID tag carried by the service provider.

In the method of providing a service using a wireless terminal according to the present invention, the first step may further include checking unique authentication information of the wireless terminal from a memory unit or an IC chip of the wireless terminal, Provides unique authentication information of the wireless terminal to the server and requests authentication of the user of the wireless terminal corresponding to the unique authentication information of the wireless terminal at the current location corresponding to the location information of the wireless terminal And further comprising:

The mobile voucher approval processing method using the voucher provider wireless terminal according to the present invention is characterized in that the RF reading means provided in the voucher provider wireless terminal receives unique authentication information of the voucher card through RF communication, Generating a voucher approval request message including voucher provider unique authentication information, voucher details, unique authentication information of the voucher subject card read by the RF reading means, and position information acquired through a GPS chip; And transmitting the generated voucher approval request message to the voucher approval server.

The method may further include receiving or inputting the voucher details through the voucher institution terminal or the key input.

The method further includes receiving the voucher approval message from the voucher approval server at the voucher provider wireless terminal and outputting the voucher approval message.

According to the present invention, the voucher provider unique authentication information includes at least one of USIM unique information provided in the voucher provider wireless terminal, the unique information of the voucher provider wireless terminal, and the authorized certificate information.

According to the present invention, it is possible to use a voucher medium for using and authenticating a voucher issued / paid to a voucher target by a wireless terminal of the voucher target, or after paying a voucher target wireless terminal used as a voucher medium, There is an advantage that voucher service can be conveniently provided without card terminal without receiving the voucher directly through the wireless terminal.

1 is a diagram illustrating a configuration of a wireless voucher operating system according to an embodiment of the present invention.
2 is a diagram showing a functional configuration of a voucher target wireless terminal according to a first embodiment of the present invention.
3 is a diagram showing a functional configuration of a voucher target wireless terminal according to a second embodiment of the present invention.
4 is a diagram illustrating a functional configuration of a voucher target wireless terminal according to a third embodiment of the present invention.
FIG. 5 is a diagram showing a functional configuration of a voucher target wireless terminal according to a fourth embodiment of the present invention.
6 is a diagram illustrating a process of transmitting a voucher history according to an embodiment of the present invention.
7 is a flowchart illustrating a voucher process according to the first embodiment of the present invention.
FIG. 8 is a flowchart illustrating a voucher process according to a second embodiment of the present invention.
9 is a flowchart illustrating a voucher process according to a third embodiment of the present invention.
10 is a flowchart illustrating a voucher process according to a fourth embodiment of the present invention.
11 is a flowchart illustrating a voucher approval process according to an embodiment of the present invention.
12 is a diagram showing a configuration of a prepaid wireless voucher operating system according to an embodiment of the present invention.
FIG. 13 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to the first embodiment of the present invention.
FIG. 14 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to a second embodiment of the present invention.
FIG. 15 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to a third embodiment of the present invention.
16 is a diagram showing a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to a fourth embodiment of the present invention.
FIG. 17 is a diagram illustrating a prepaid type voucher processing process according to the first embodiment of the present invention.
18 is a view showing a prepaid type voucher processing process according to the second embodiment of the present invention.
FIG. 19 is a diagram showing a prepaid type voucher processing process according to the third embodiment of the present invention.
FIG. 20 is a diagram illustrating a prepaid type voucher process according to a fourth embodiment of the present invention.
FIG. 21 is a diagram illustrating a prepaid voucher approval process according to an embodiment of the present invention.
FIG. 22 is a diagram illustrating the configuration of a post-pay type wireless voucher operating system according to an embodiment of the present invention.
23 is a diagram showing a functional configuration of a voucher target wireless terminal for postpaid wireless voucher operation according to the first embodiment of the present invention.
24 is a diagram showing a functional configuration of a voucher target wireless terminal for postpaid wireless voucher operation according to a second embodiment of the present invention.
FIG. 25 is a diagram showing a functional configuration of a voucher target wireless terminal for postpaid wireless voucher operation according to the third embodiment of the present invention.
FIG. 26 is a diagram illustrating a functional configuration of a voucher target wireless terminal for postpaid wireless voucher operation according to a fourth embodiment of the present invention.
FIG. 27 is a diagram illustrating a post-pay voucher processing process according to the first embodiment of the present invention.
FIG. 28 is a diagram illustrating a post-pay voucher processing process according to the second embodiment of the present invention.
FIG. 29 is a diagram showing a post-pay voucher processing process according to the third embodiment of the present invention.
30 is a view showing a post-pay voucher processing process according to the fourth embodiment of the present invention.
FIG. 31 is a diagram illustrating a post-pay voucher approval process according to an embodiment of the present invention.
FIG. 32 is a diagram illustrating a postpaid settlement process corresponding to postpaid boucher processing according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a configuration of a wireless voucher operating system according to an embodiment of the present invention.

More specifically, FIG. 1 illustrates a configuration of a wireless voucher operating system using a wireless terminal of a voucher subject as a voucher medium for using and authenticating a voucher issued / paid to the voucher subject by a voucher institution. Those skilled in the art will appreciate that various implementations of the wireless voucher operating system configuration (e.g., some configuration portions omitted, subdivided, or combined) may be referred to and / However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

1, the wireless voucher operating system includes a voucher target wireless terminal 155 provided with a voucher function for providing a voucher to a voucher target person, a voucher target wireless terminal 155 having the voucher target wireless terminal 155 And receives the voucher confirmation response message including the voucher object authentication information included in the voucher subject wireless terminal 155 storage area from the voucher subject wireless terminal 155, reads the received voucher confirmation response message, And a voucher server (100) for processing the approval of the voucher history and then storing the approved voucher details in the storage medium (150) in connection with the voucher subject information. The voucher server (100) Or intangible) voucher provider terminal 160 for use by a voucher provider providing the voucher goods / service And characterized by comprising comprises a voucher provider server), and a voucher authority server 165 (or vouchers institution terminal) provided on the voucher organization that provides a voucher to the voucher subjects.

1, the voucher server 100 is implemented as a single server. However, the present invention is not limited thereto, and the voucher server 100 may include two or more servers Or it may be implemented in the form of an internal component of the voucher-linked system in which the voucher server 100 is installed. In other words, in FIG. 1, the voucher server 100 is not a physical name but a logical name of a functional configuration for operating a wireless voucher according to the present invention.

(Or intangible) voucher goods / services corresponding to a voucher issued / paid by the voucher institution, the voucher object is a person who receives a voucher for life insurance, a person who receives education vouchers, And a disabled person / the elderly who receive a living assistance voucher, and the voucher target person can be variously expanded according to the voucher type. That is, the present invention is not limited by the voucher type.

The voucher institution may provide a voucher fund of a predetermined amount or more and allow a voucher provider predetermined by the voucher fund to provide a type (or intangible) voucher article / service to the voucher subject, And an institution / organization for withdrawing an amount corresponding to the voucher goods / service of the voucher fund from the voucher fund, and providing the voucher provider with the amount of money. The voucher subject can be variously expanded according to the voucher type.

The voucher provider may include a person (or a franchisee, a corporation, a group, or the like) who provides the type (or intangible) voucher goods / service corresponding to the voucher issued / paid to the voucher institution from the voucher institution in the voucher object , And the voucher provider may be variously expandable depending on the voucher type.

According to the present invention, the voucher server 100 includes voucher information for issuing / paying the voucher subject to the voucher institution, voucher subject information for issuing / receiving the voucher from the voucher institution, (Or intangible) information corresponding to the voucher to the voucher target by associating and storing the voucher object authentication information stored in the storage area of the voucher object 155 with the voucher institution information for issuing / And a voucher D / B 145 for further storing the voucher provider information providing the voucher when the voucher provider providing the voucher goods / service is designated, or the voucher D / B 145 via the communication network, In cooperation with each other.

Here, the voucher information may include at least one of a voucher name, a voucher identification code, a voucher object type / service type, a voucher amount, and a voucher use frequency.

The voucher subject information preferably includes personal information (e.g., name, resident registration number, address) of the voucher subject to which the voucher is issued / paid from the voucher institution and information about the voucher subject wireless terminal 155 .

The voucher target authentication information may be stored in the USIM / memory unit of the voucher target wireless terminal 155 and include information for authenticating that the wireless terminal user is a voucher target.

According to an embodiment of the present invention, the voucher target authentication information includes chip unique information of a USIM stored in a USIM provided in the voucher target wireless terminal 155, wireless terminal specific information (e.g., MIN (E.g., Mobile Identification Number), ESN (Electronic Serial Number), a subscriber identification number, an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), and the like) And a copy).

According to another embodiment of the present invention, the voucher object authentication information may include wireless terminal specific information (e.g., MIN (Mobile Identification Number), ESN (Electronic Identification Number), and so on) stored in a memory unit provided in the voucher subject wireless terminal 155, (E.g., a serial number, a subscriber identification number, an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), etc.), and a voucher subject certificate .

The voucher authority information is information for identifying a voucher institution issuing / paying the voucher to the voucher target person. The voucher authority information includes unique identification information (or authentication information) of the voucher institution in the USIM / memory unit of the voucher target wireless terminal 155, It is preferable that the USIM / memory unit of the wireless terminal includes information that matches the unique identification information (or authentication information) of the voucher institution.

The voucher provider information may include information for identifying a voucher provider who provides the voucher goods / service of the requested type (or intangible) corresponding to the voucher to the voucher object, the identification information (or authentication Information), or when the voucher provider has a voucher provider medium corresponding to any one of an IC card, an MS card, an RF card, an RF device, an RFID, and a USB device, card information read from the voucher provider medium, (Or authentication information) of the voucher provider medium corresponding to any one of the device information, the RFID information, and the USB information.

Referring to FIG. 1, the voucher server 100 may include a voucher record corresponding to a corresponding type (or an intangible) voucher article / service provided by the voucher provider to the voucher provider from the voucher provider terminal 160, (Or intangible) voucher goods / services requested to receive the voucher subject wireless terminal 155 information or provide from the voucher agency server 165 to the voucher subject via the voucher provider, And a history receiving unit (105) for receiving the subject wireless terminal (155) information.

(Or intangible) voucher goods / service corresponding to the voucher to the voucher provider, and then transmits the voucher to the voucher provider via the corresponding type (Or intangible) voucher product / service and the voucher subject wireless terminal 155 information, the history receiving unit 105 receives the voucher details and the voucher information from the voucher provider terminal 160 via the communication network, And receives information of the subject wireless terminal (155).

Alternatively, after the voucher agency requests the voucher provider to provide the voucher goods / service of the type (or intangible) corresponding to the voucher to the voucher object, the voucher institution server 165 requests the voucher provider (Or intangible) voucher goods / service requested to be provided to the voucher target and the voucher subject wireless terminal 155 information, the history receiving unit 105 transmits the voucher subject information to the voucher authority server 165) and the voucher subject wireless terminal (155) information.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

Referring to FIG. 1, the voucher server 100 includes a history transmission unit 115 for transmitting the voucher details to the voucher subject wireless terminal 155 corresponding to the voucher subject wireless terminal 155 information. And authenticates the validity of the voucher details received via the voucher D / B 145 and the voucher subject wireless terminal 155 information when the voucher details and the voucher subject wireless terminal 155 information are received And a voucher authentication unit (110).

When the voucher details and the voucher subject wireless terminal 155 information are received from the voucher provider terminal 160 or the voucher institution server 165, the voucher authentication unit 110 transmits the voucher information included in the voucher details, B 145, or compares voucher authority information included in the voucher details with voucher authority information stored in the voucher D / B 145, or compares the voucher provider information included in the voucher details And compares the information of the voucher subject wireless terminal 155 with information of the voucher subject wireless terminal 155 stored in the voucher D / B 145, Authenticate the validity of the voucher details and voucher subject wireless terminal 155 information.

*

The history transferring unit 115 transfers the received voucher details to the voucher subject wireless terminal 155 corresponding to the voucher subject wireless terminal 155 information.

According to an embodiment of the present invention, the history transferring unit 115 transmits a wireless message including a callback URL for transmitting the voucher details to the voucher subject wireless terminal 155, And transmit the voucher details to the voucher subject wireless terminal 155.

When the voucher module VM of the voucher subject wireless terminal 155 is driven according to another embodiment of the present invention and the voucher details are transmitted to the voucher subject wireless terminal 155, The unit 115 preferably connects the communication channel with the voucher module VM driven by the voucher target wireless terminal 155 and transmits the voucher details to the voucher target wireless terminal 155 via the communication channel Do.

When the voucher subject wireless terminal 155 has a function of inputting / selecting the voucher details according to another embodiment of the present invention, the history transmission unit 115 transmits the voucher details to the voucher subject wireless terminal 155, May be omitted.

1, the voucher server 100 transmits the voucher details to the voucher subject wireless terminal 155, and then transmits the voucher details to the voucher subject wireless terminal 155 storage area from the voucher subject wireless terminal 155 A voucher approval unit (125) for reading the voucher confirmation response message and processing approval of the voucher details, a voucher approval unit (125) for receiving the voucher confirmation response, And an information storage unit 130 for storing the approved voucher details in the storage medium 150 in connection with the voucher subject information.

After the voucher details are transmitted to the voucher target wireless terminal 155, the voucher target wireless terminal 155 checks the voucher containing the voucher target authentication information provided in the USIM / memory of the voucher target wireless terminal 155 The vocabulary receiving unit 120 receives the voucher confirmation response message through the communication network.

According to the embodiment of the present invention, when the unique identification information (or authentication information) of the voucher institution is stored in the USIM / memory unit of the voucher subject wireless terminal 155, the voucher confirmation response telegram includes unique identification information Or authentication information).

Alternatively, when the unique identification information (or the authentication information) of the voucher provider is input from the voucher target wireless terminal 155 or the unique identification information (or the authentication information) of the voucher provider is read from the voucher provider medium, The response telegram preferably includes unique identification information (or authentication information) of the voucher provider.

When the voucher target wireless terminal 155 has a function of inputting / selecting the voucher details according to another embodiment of the present invention, the videophone specialist 120 receives the voucher details from the voucher target wireless terminal 155, (Or authentication information) of the voucher institution or the unique identification information (or authentication information) of the voucher provider, in addition to the voucher information, .

When the voucher confirmation response message (or voucher message) is received, the voucher acceptance unit 125 reads the voucher confirmation response message (or the voucher message) to check the voucher object authentication information, and the voucher D / B 145 (Or verification operation) with the voucher object authentication information stored in the voucher object authentication information storage unit.

If the voucher approval message (or the voucher message) further includes the voucher authority's unique identification information (or authentication information), the voucher acceptance unit 125 acquires the unique identification information (or authentication information) It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher institution stored in the voucher D / B 145 to process approval of the voucher details.

Alternatively, if the voucher acknowledgment unit 125 further includes the unique identification information (or the authentication information) of the voucher confirmation answer specialist (or voucher specialist) voucher provider, the voucher acceptance unit 125 acquires unique identification information (or authentication information) (Or verification information) of the voucher provider stored in the voucher D / B 145 and processes approval of the voucher details.

If the voucher is approved by the voucher approval unit 125, the information storage unit 130 stores the approved voucher details in the storage medium 150 in connection with the voucher subject information.

Referring to FIG. 1, the voucher server 100 includes an information transmitter 135 for transmitting voucher approval details to the voucher target wireless terminal or transmitting remaining voucher information according to a voucher approval to the voucher target wireless terminal And the like.

When the approval of the voucher details is processed by the voucher approval unit 125, the information transmission unit 135 confirms (or configures) the approved voucher approval details, and transmits the voucher approval to the voucher subject wireless terminal And transmits the history information.

Alternatively, the information transferring unit 135 may check the remaining voucher information (for example, the remaining voucher amount or the remaining voucher use number) included in the voucher information of the voucher subject from the voucher D / B 145, And transmits the remaining voucher information to the subject wireless terminal.

Referring to FIG. 1, the voucher server 100 may include a voucher for processing a voucher fund corresponding to the voucher detail of the voucher institution to be provided to the voucher provider based on a voucher stored in the storage medium 150 And a processing unit (140).

The voucher processing unit 140 transmits the voucher details to the voucher institution server 165 by storing the approved voucher details in connection with the voucher subject information in the storage medium 150, The fund corresponding to the voucher details of the voucher funds of the voucher fund is provided to the voucher provider.

2 is a diagram showing a functional configuration of a voucher target wireless terminal 200 according to a first embodiment of the present invention.

2 illustrates a method of providing a voucher to a cell phone or a cell phone of a person to whom a voucher is provided in order to provide a voucher to a subject of voucher, The wireless terminal 200 having the function for using the voucher can be connected to the wireless terminal 200 connected to the wireless communication network of the wireless communication standard other than the voucher target mobile phone by referring to and / It is to be understood that the present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention.

According to the embodiment of the present invention, the voucher target wireless terminal 200 corresponding to the cell phone of the voucher subject may have an outer body, a speaker, a microphone, a keypad, a liquid crystal display (LCD) A battery 225, and the like, and internally includes a modem chip (for example, a Qualcomm (USA) system having a function of a CDMA (Code Division Multiple Access) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit) A power amplifier that amplifies the transmission signal, a high power amplifier (HPA), and a high-power transmission signal. An isolator to prevent returning, an RF / IF SAW filter to remove desired out-of-band spurious signals, a frequency up circuit of the transmit path, A frequency downconverting circuit, a VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to a reference clock source, a UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal In addition, the internal components are gradually integrated into the modem chip. In addition to the core components for the mobile communication service, the modem chip may include various multimedia services or various supplementary services Are being integrated together.

2, the voucher target wireless terminal 200 includes a control unit 205 corresponding to the modem chip, a screen output unit 210 corresponding to a LCD (Liquid Crystal Display), a microphone / A sound processing unit 215 corresponding to the speaker, a key input unit 220 corresponding to the keypad, a radio processing unit 230 corresponding to the antenna and various RF modules, a memory unit 250 corresponding to the nonvolatile memory, A USIM 235 (Universal Subscriber Identity Module) corresponding to an IC (Integrated Circuit) chip for storing universal subscriber identification information, a USIM reader 240 for reading / writing information (or data) to the USIM 235, And a battery 225 for supplying power to the voucher provider. In order to utilize the voucher, the voucher provider may receive the voucher from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, the RF device, To be unique to the provider The card and the information, device information, RFID information, characterized by comprising the further medium reader unit 245 for reading the ID information (or authentication information) of the provider voucher medium corresponding to any one of the USB information.

The control unit 205 includes a processor including a CPU / MPU provided in the modem chip and an execution memory, and includes a program routine for providing a function peculiar to the wireless terminal 200 from a memory device, (Or an integrated circuit) provided for the bus (BUS) for inputting and outputting program data, and the memory (250) or the memory device (Hereinafter referred to as " virtual machine ") recorded on a recording medium of the wireless terminal 200 for use of the voucher, and a program routine or program data loaded through the processor to perform a specific function Is described as being provided in the control unit 205 for convenience) The program routine included in the language unit 205 basically includes an operating system routine (not shown) and one or more system management routines (e.g., power management routines, channel (forward / backward) management routines, And the control unit 205 realizes various functional configurations to be implemented in the wireless terminal 200. [0033] FIG.

According to an embodiment of the present invention, after power is supplied to the wireless terminal 200, the operating system routine (not shown), one or more system management routines (not shown) and various system variables corresponding thereto are transmitted to the controller 205 ), The mobile terminal 200 can receive the system setting detailed state, the pilot channel obtaining detailed state, the synchronous channel obtaining detailed state, and the timing conversion detailed state according to the booting procedure, Quot; mobile station initialization state ", which is included.

After performing the booting procedure, the operating system routine (not shown), one or more system management routines (not shown) and various system variables corresponding thereto are loaded into the execution memory provided in the control unit 205, The mobile terminal 200 is set to the operation mode corresponding to the "mobile station call waiting state", the "system access state", or the "call channel state" Processing) procedure.

According to the embodiment of the present invention, the voucher function is activated when the voucher details are received via the wireless communication network, or in an operation mode corresponding to the "mobile station call waiting state" Or realized).

The screen output unit 210 is a function configuration unit for screening operation modes of the wireless terminal 200 and corresponding operation states of the wireless terminal 200. The screen output unit 210 includes one or more LCDs And a driver for driving the screen output device. The control unit 205 may output one or more key data input through the key input unit 220, A function processing screen and a function processing result screen corresponding to one or more functions (or programs) provided in the terminal 200 or outputting one or more contents (or downloaded) provided in the wireless terminal 200 (E.g., text content, image content, and multimedia content).

According to the embodiment of the present invention, the screen output unit 210 preferably performs a function of a menu screen corresponding to the voucher function, a function processing screen, and a screen output means for outputting a function processing result screen.

The sound processing unit 215 processes a sound input / output in each operation mode of the wireless terminal 200. The sound processing unit 215 decodes one or more encoded sound data, And a vocoder and a codec for encoding and outputting a sound signal input through a microphone provided in the wireless terminal 200 or a speaker.

According to the embodiment of the present invention, the sound processing unit 215 can receive sound data corresponding to a ring back tone through the speaker in an operation mode corresponding to the "system access state" among the operation modes of the wireless terminal 200 It is preferable to decode and output the voice signal, or to encode and input the voice signal through the microphone in the operation mode corresponding to the "call channel state ", or to decode and output the voice signal through the speaker.

In addition, the sound processing unit 215 may be configured to, when reproducing one or more sound contents or multimedia contents provided in (or downloaded from) the mobile terminal 200 in one or more operation modes including the " It is preferable that the sound data corresponding to the content is decoded and output.

According to the embodiment of the present invention, the sound processing unit 215 preferably performs a function of sound output means for decoding and outputting sound data corresponding to the voucher function.

The key input unit 220 includes a key input device having one or more key buttons including a number key, a character key or a function key, Wherein the key input device detects one or more key input signals generated by clicking (or inputting) the key button in the key input device.

*

According to the present invention, when a key input signal is detected from a key button provided in the key input device in an input mode or one or more operation modes controlled by the control unit 205, the key input unit 220 outputs the detected key (E.g., MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, and MH_KEY_RELEASEEVENT) corresponding to the input signal, and provides the generated key event to the control unit 205. The control unit 205 controls the wireless terminal 200 (For example, from a key table storing (managing) one or more key data corresponding to a specific key event in each input mode or operation mode) in a current input mode or an operation mode of the key input device Reading the key data in the key event), or reading an instruction that executes a function defined by matching with the key event It characterized.

According to an embodiment of the present invention, the key input unit 220 inputs a telephone number in an operation mode corresponding to the "mobile station call standby state" among the operation modes of the mobile station 200, It is preferable to change the operation mode of the wireless terminal 200 to the operation mode corresponding to the "system access state ".

The key input unit 220 inputs a function key (e.g., a menu key) in an operation mode corresponding to the "mobile station call standby state" among the operation modes of the mobile terminal 200, It is preferable to execute various functions provided in the mobile terminal.

According to an embodiment of the present invention, the key input unit 220 performs a function of key input means for inputting one or more key data corresponding to the voucher function.

The radio processor 230 is a functional unit for connecting a radio channel to a base station on a mobile communication network operating on a Code Division Multiple Access (WCDMA) / Wideband Code Division Multiple Access (CDMA) basis. The radio processor 230 includes a CDMA modem and various RF modules , A power amplifier, a high power amplifier (HPA), an isolator, an RF / IF SAW filter, a frequency upstream circuit, a frequency downconversion circuit, a VCTCXO corresponding to a reference clock source, a UHF frequency synthesizer, (Slot Mode) or Power Control (Power Control) in response to each operation mode of the wireless terminal 200 in cooperation with the control unit 205. [ Or performs a hand-off or a call processing procedure.

According to an embodiment of the present invention, the radio processing unit 230 includes a radio frequency signal transmission / reception function (e.g., antenna control, modulation, synthesis, amplification or filtering of a radio frequency signal) corresponding to the voucher function .

In particular, the radio processing unit 230 processes information or signals transmitted from the mobile station 200 to the base station in order to use the voucher, into a CDMA stack, or reads information or signals from the CDMA stack received from the base station It is desirable that the shipment includes a function.

According to another embodiment of the present invention, if the wireless terminal 200 shown in FIG. 2 is a portable Internet terminal, the wireless processor 230 accesses portable Internet based on IEEE 802.16x and provides a portable Internet service for using the voucher The present invention is not limited to this.

The USIM reader 240 is a functional unit for exchanging one or more pieces of information (or data or commands) with the USIM 235 mounted or detached from the wireless terminal 200 through a standard including ISO / IEC 7816. [ The IC card reader includes a contact type IC card reader corresponding to the ISO / IEC 7816 standard. The IC card reader reads the one or more pieces of information (or data) from the USIM 235 through an APDU (Application Protocol Data Unit) Data, or command) is exchanged. Here, the USIM 235 may be replaced with an IC chip included in the wireless terminal 200.

The USIM 235 mounted or detached from the wireless terminal 200 is an IC chip conforming to the ISO / IEC 7816 standard. Referring to the ISO / IEC 7816 standard, the USIM 235 is connected to the power supply VCC, (E.g., command or data exchange) with the USIM reader unit 240 through contact points such as a reset signal RST, a clock signal CLK, a ground GND, a programming power supply VPP, an input / output An input / output interface for inputting and outputting a program, an input / output interface for inputting and outputting data, and a processor unit including at least one computing element including a central processing unit (CPU), a micro processing unit (MPU), a coprocessor, (E.g., ROM) among the memory devices, and a memory including at least one memory device including an access memory (EEPROM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory Manage internal resources of the IC card When a power is supplied from a USIM reader 240 through a power supply (VCC) contact point of the input / output interface, a COS stored in the memory is loaded into an execution memory (USIM 235) through an APDU (Application Protocol Data Unit) based on the clock frequency (e.g., 3.57 MHz or 4.9 MHz) of the clock signal (CLK) And controls exchange of information or data between the USIM reader unit 240.

According to the present invention, a voucher applet for use of a voucher is stored in a memory of the USIM 235. The voucher applet is read by a processor included in the wireless terminal 200 for use of a voucher, Or a data set to be used; a storage unit operable to be operated or executed by a computation function of the processor unit and a command set provided by the COS, the program routine being used by a processor included in the wireless terminal (For example, a Java applet (JAVA Applet) in the case of a Java card), an instruction calling code for interacting with the instruction set of the COS, and an execution code for being processed by the processor unit, In particular, the processing unit is connected to the APDU via the input / Reads a command provided from a processor provided in the horse 200 and reads or writes one or more pieces of information or data stored in the storage unit based on the read command and outputs the result or read information or data To the processor of the wireless terminal 200 via the input / output interface through the APDU.

According to an embodiment of the present invention, the storage unit of the voucher applet may include a voucher target authentication unit 220 to be included in the voucher confirmation response sent from the wireless terminal 200 to the voucher server on the communication network for voucher utilization through the wireless terminal 200 It is desirable to store the information.

The voucher target authentication information is information for authenticating that the user of the mobile terminal 200 is a voucher subject and may include chip unique information of the USIM 235 and unique information of the mobile terminal 200 stored in the USIM 235 (E.g., a mobile identification number (MIN), an electronic serial number (ESN), a subscriber identification number, an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN) (Or a copy of the certificate) of the authorized certificate information.

According to an embodiment of the present invention, the storage unit of the voucher applet may further include unique identification information (or authentication information) of a voucher institution that issues and operates a voucher to the voucher subject.

According to an embodiment of the present invention, the memory of the USIM 235 is divided into a subscriber information area having a fixed memory address and an application area having a directory file (EFdir) structure, the application area being based on ISO / IEC 10202 The memory includes a protection area in which secret information such as a chip serial number (CSN) is stored, 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, etc., and the voucher applet for the present invention is preferably stored in an area excluding the protection area and the COS control area.

According to the ISO / IEC 7816 standard, an application area of the memory includes one master file (MF) corresponding to a root file, and function information for one or more storage information under the master file (DF) corresponding to each ICC storage information, and actual information or data for a smart card service disposed under the dedicated file are included And an element file (EF). The voucher applet for the present invention also includes the above-described file structure.

According to the embodiment of the present invention, the voucher object authentication information can be stored in the subscriber information area of the USIM 235 memory or in the application area, and the voucher object authentication information can be stored in the application area When stored, the voucher object authentication information is preferably encrypted and stored.

According to an embodiment of the present invention, the processing unit of the voucher applet realizes the function of providing the voucher target authentication information stored in the storage unit to the wireless terminal 200 for use of the voucher through the wireless terminal 200 It is preferable that the program code is included.

According to the embodiment of the present invention, it is preferable that the voucher applet is provided through a PIN (Personal Identification Number) authentication server USIM 235 for use of a voucher through the wireless terminal 200. In this case, And the processing unit of the voucher applet compares (or verifies) the PIN information provided from the wireless terminal 200 with the PIN authentication information, and when the PIN information and the PIN If the authentication information is matched or the result of the verification operation is predicted, the processing unit of the voucher applet preferably treats the PIN for voucher use as authenticated.

If the PIN authentication function provided in the USIM 235 is used as PIN authentication for use of the voucher, the voucher applet function for processing the PIN authentication for using the voucher may be omitted.

According to an embodiment of the present invention, the processing unit of the voucher applet preferably further comprises program code constituting a voucher confirmation response message including the voucher target authentication information. In this case, the PIN for use of the voucher When authenticated, the processing unit of the voucher applet configures a voucher confirmation response message including the voucher object authentication information stored in the storage unit of the voucher applet, and provides the voucher confirmation message to the wireless terminal 200 Code.

If the unique identification information (or authentication information) of the voucher provider is further included in the voucher confirmation response message in addition to the voucher object authentication information, the processing unit of the voucher applet acquires the unique ID of the voucher provider (Or authentication information), and constitutes a voucher confirmation response message including the voucher object authentication information and the unique identification information (or authentication information) of the voucher provider, And the like.

According to the method of the present invention, the storage unit of the voucher applet includes a voucher institution unique identification (ID) corresponding to a number (or a code value) uniquely assigned to identify (or authenticate) the voucher institution issuing and operating the voucher to the voucher subject, It is desirable to further store the information (or authentication information).

If the voucher applet unique identification information (or authentication information) is stored in the storage unit of the voucher applet and the voucher applet has a function of configuring the voucher confirmation response telegram, the processing unit of the voucher applet transmits the voucher applet identification information (Or authentication information) including the authentication information and the voucher institution unique identification information (or the authentication information), or the voucher authentication information may include the voucher authentication information and the voucher institution unique identification information (or authentication information) (Or authentication information) that is provided from the voucher provider and provides the voucher provider with the voucher confirmation response message to the wireless terminal 200.

The memory unit 250 includes a storage medium for storing one or more pieces of information (or data) in the wireless terminal 200, and a generic name of a nonvolatile memory corresponding to a recording medium for recording a program code corresponding to one or more program routines A read only memory (ROM) corresponding to the read-only memory, a flash memory (FM) capable of reading / writing, and an EEPROM (Electrically Erasable and Programmable Read Only Memory) .

According to an embodiment of the present invention, system information of the non-volatile memory that should not be erased is stored in the non-volatile memory, and an operating system routine, a call processing program routine, and various application programs (EEPROM) includes a terminal registration related parameter and a telephone number (e.g., an address book) or one or more information extracted or generated during execution of an application provided in the wireless terminal 200 Or data) is preferably stored.

According to the embodiment of the present invention, the memory unit 250 may include a voucher object to be included in the voucher confirmation response sent from the wireless terminal 200 to the voucher server on the communication network for use of the voucher through the wireless terminal 200 It is desirable to store authentication information.

The voucher target authentication information is information for authenticating that the user of the mobile terminal 200 is a voucher target and includes unique information of the mobile terminal 200 such as MIN (Mobile Identification Number), ESN (Electronic Serial Number) (E.g., an identification number, an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), etc.), and an authorized certificate information (or a certificate copy) of a voucher subject provided in the memory unit 250 desirable.

According to the embodiment of the present invention, the memory unit 250 may further include unique identification information (or authentication information) of a voucher institution that issues and operates a voucher to the voucher subject.

According to the embodiment of the present invention, the voucher object authentication information can be stored in the subscriber information area of the USIM 235 memory or in the application area, and the voucher object authentication information can be stored in the memory part 250, the voucher object authentication information may be encrypted and stored.

According to the embodiment of the present invention, the memory unit 250 stores the voucher authority unique to the voucher institution corresponding to the number (or code value) uniquely assigned to identify (or authenticate) the voucher institution that issues and operates the voucher to the voucher subject, It is desirable to further store the identification information (or authentication information).

According to an embodiment of the present invention, the voucher object authentication information is stored in either the USIM 235 or the memory unit 250, or a part of the voucher object authentication information is stored in the USIM 235, May be stored in the memory unit 250 or a part of the voucher object authentication information may be stored in the memory unit 250 and the remaining part may be stored in the USIM 235, No.

According to the embodiment of the present invention, it is optional to store the vocabulary institution unique identification information (or the authentication information) in the USIM 235 / memory unit 250. If the USIM 235 / (Or authentication information) is stored in the USIM 235 or the memory unit 250, or when the voucher authority unique identification information (or the authentication information) is stored in the memory unit 250, A part of the voucher institution unique identification information (or the authentication information) is stored in the USIM 235 and the remaining part is stored in the memory unit 250, or a part of the voucher institution unique identification information It is possible to store the rest of the data in the USIM 235, and the present invention is not limited thereto.

The media reader unit 245 reads the card information corresponding to the unique identification information (or the authentication information) of the voucher provider medium (or the unique identification information of the voucher provider medium) from the voucher provider medium corresponding to the contactless IC card or the contact- (Or code information recorded in the memory of the IC card, which is set to the authentication information (or the authentication information)), and the unique identification information (or authentication information) of the voucher provider medium from the voucher provider medium corresponding to the MS card An MS card reader unit for reading the corresponding card information (or digit information recorded in the track of the MS card, which is set to the unique identification information (or authentication information) of the voucher provider medium), a voucher provider medium corresponding to the RF card, Card information corresponding to the unique identification information (or authentication information) of the voucher provider's medium (or the unique identification of the voucher provider's medium (Or code information written in the memory of the RF card, which is set to be the information (or the authentication information)), a unique identification information (or authentication information) of the voucher provider medium from the voucher provider medium corresponding to the RFID An RF card reader unit reading the corresponding RFID information (or code information set in the unique identification information (or authentication information) of the voucher provider medium and recorded in the memory of the RFID), a voucher provider medium corresponding to the USB device, A USB reader for reading USB device information corresponding to the unique identification information (or authentication information) of the provider medium (or code information set in the unique identification information (or authentication information) of the voucher provider medium and recorded in the memory of the USB device) And one or more of the voucher provider's media type and the voucher provider's media type, The configuration of the unique identification information (or authentication information) of the voucher provider medium to be read from the destination provider medium can be variously modified. The present invention can be applied to the voucher provider medium (Or authentication information) of the voucher provider medium to the wireless terminal 200 via the media reader unit 245 can be used as the voucher provider medium. Come on.

According to the present invention, the voucher subject wireless terminal 200 configures a voucher confirmation response message including the voucher target authentication information stored in the USIM 235 / memory unit 250 for use of the voucher, And a VM driving module for driving the voucher module. The VM driving module controls the operating system of the wireless terminal 200 (or the operating system of the wireless terminal 200) Platform) in the form of program code.

Referring to FIG. 2, the VM driving module of the voucher target wireless terminal 200 includes a receiving unit 255 that receives a voucher corresponding to voucher usage from a voucher server on a communication network, And a VM driving unit 260 for driving a VM (Virtual Machine). The voucher module outputs the received voucher details through the screen output unit 210 or the sound processing unit 215 An interface output unit 270 for outputting a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 210 and an output unit 270 for outputting the PIN through the key input unit 220. [ A verification unit 275 for authenticating the PIN input through the authentication interface; and a voucher confirmation unit 251 for verifying the voucher containing the voucher target authentication information stored in the USIM 235 / memory unit 250 when the PIN is authenticated And a transmission unit 285 for transmitting the generated voucher confirmation response message to the voucher server on the communication network through the wireless processing unit 230. [

(Or intangible) goods / services corresponding to the voucher to the voucher recipient and provides the voucher provider with a type (or an intangible) article / service corresponding to the voucher, and the voucher provider transmits, via the voucher provider terminal (e.g., the voucher provider's wireless terminal 200 or the wired terminal) (Or server) of a voucher institution issuing / paying a voucher to a voucher server on the communication network by providing voucher details corresponding to a type (or an intangible) article / service provided to a voucher subject to a voucher server on the communication network, (Or intangible) product / service provided by the provider to the voucher object to the voucher server on the communication network, and then transmits the voucher details from the voucher server to the voucher target wireless terminal 200 Upon receiving the signal, the receiving unit 255 transmits the bar In the destination server it is characterized in that for receiving the voucher details.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

According to the method of the present invention, the voucher provider information of the voucher details may include unique identification information (or authentication information) of the voucher provider.

When the voucher details are received through the receiving unit 255, the VM driving unit 260 drives a VM corresponding to the voucher module.

The output unit 265 outputs the voucher details received through the receiving unit 255 through the screen output unit 210. When the voucher subject is a blind person, the received voucher details are converted into voice data (Or voice data included in the voucher details if the voucher details include voice data) through the sound processing unit 215. The interface output unit 270 outputs the voice data to the screen output unit 210 to output a PIN authentication interface for inputting a PIN for authenticating the use of the voucher. If the voucher subject is a visually impaired person, the interface output unit 270 outputs voice data requesting to input a PIN for use of the voucher through the input PIN authentication interface.

After the PIN authentication interface is output, the authentication unit 275 inputs PIN information for use of the voucher to the PIN authentication interface through the key input unit 220, and when the PIN information is input, (Or verifies) the PIN authentication information stored in the memory unit 250 and the input PIN information by providing the PIN information to the voucher authentication unit 235 to process the voucher authentication for the voucher authentication, For example.

If the PIN for authenticating the voucher is authenticated through the authentication unit 275, the professional generating unit 280 generates a voucher confirmation response including the voucher object authentication information stored in the USIM 235 / And generates a specialist.

According to the embodiment of the present invention, when the voucher trait unique identification information (or the authentication information) is stored in the USIM 235 / memory unit 250, the vocabulary generating unit 280 generates the voucher trainer authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes unique identification information (or authentication information).

If the media reader unit 245 for reading the unique identification information (or the authentication information) of the voucher provider from the voucher provider medium is provided to the wireless terminal 200, (Or authentication information) of the voucher provider, which is read from the voucher provider medium via the voucher provider medium 245. [

If the unique identifier (or authentication information) of the voucher provider is included in the voucher details received via the receiver 255, the expert generator 280 may generate the voucher provider ' It is desirable to generate a voucher acknowledgment telegram that further includes unique identification information (or authentication information).

Alternatively, an interface for inputting the unique identification information (or authentication information) of the voucher provider is output to the screen output unit 210 through the interface output unit 270, and unique identification information of the voucher provider Or authentication information) is input, the specialty generator 280 generates a voucher confirmation response message further including unique identification information (or authentication information) of the input voucher provider.

*

When the voucher confirmation response message is generated, the transmitter 285 connects a communication channel for transmitting the voucher confirmation response message to the voucher server on the communication network through the wireless processor 230, And transmits the created voucher confirmation response message to the voucher server.

FIG. 3 is a diagram showing a functional configuration of a voucher target wireless terminal 300 according to a second embodiment of the present invention.

3 is a block diagram illustrating a configuration of a display apparatus according to an exemplary embodiment of the present invention. Referring to FIG. 3, a control unit 305, a screen output unit 310, a sound processing unit 315, a key input unit 320, a radio processing unit 330, An MS card, an RF card, an RF device, an RFID, and a USB device for use of the voucher, and a microprocessor 350, a USIM 335, a USIM reader 340, and a battery 325, (Or authentication information) corresponding to any one of card information, device information, RFID information, and USB information uniquely assigned to the voucher provider from the voucher provider medium corresponding to the voucher provider medium, A person skilled in the art will be able to refer to and / or modify the voucher subject wireless terminal 300 further including the voucher 345, Other than the target mobile phone, It is possible to deduce an implementation method for the function configuration of the wireless terminal 300 having the function for using the voucher to the wireless terminal 300 connected to the communication network, and the present invention includes all the methods to be inferred And the technical features thereof are not limited only by the method shown in FIG.

3, the VM driving module of the voucher target wireless terminal 300 includes a receiving unit 355 that receives a voucher corresponding to voucher usage from a voucher server on a communication network, An output unit 360 for outputting the PIN through the sound output unit 310 or the sound processing unit 315 and an interface output unit for outputting a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 310 An authentication unit 370 for authenticating a PIN input through the PIN authentication interface through the key input unit 320, and a voucher processing VM (Virtual Machine) when the PIN for use of the voucher is authenticated And a VM driver 375. The voucher module includes a voucher confirmation response message containing voucher target authentication information stored in the USIM 335 / And a transmission unit 385 for transmitting the generated voucher confirmation response message to the voucher server on the communication network through the wireless processing unit 330. FIG.

(Or intangible) goods / services corresponding to the voucher to the voucher recipient, and the voucher provider transmits the goods / service of the type (or intangible) corresponding to the voucher to the voucher provider through the voucher provider terminal (e.g., the voucher provider's wireless terminal 300 or the wired terminal) (Or server) of a voucher institution issuing / paying a voucher to a voucher server on the communication network by providing voucher details corresponding to a type (or an intangible) article / service provided to a voucher subject to a voucher server on the communication network, (Or intangible) product / service provided by the provider to the voucher object to the voucher server on the communication network, and then transmits the voucher details to the voucher target wireless terminal 300 from the voucher server Upon receiving the signal, the receiver 355 receives the bar on the communication network In the destination server it is characterized in that for receiving the voucher details.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

According to the method of the present invention, the voucher provider information of the voucher details may include unique identification information (or authentication information) of the voucher provider.

When the voucher details are received through the reception unit 355, the output unit 360 outputs the voucher details received through the reception unit 355 through the screen output unit 310, The voice processing unit 315 converts the received voucher details into voice data (or voice data included in the voucher details if the voucher details include voice data) The interface output unit 365 outputs a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 310. [ If the voucher subject is a visually impaired person, the interface output unit 365 outputs voice data requesting to input a PIN for use of the voucher through the input PIN authentication interface.

After the PIN authentication interface is output, the authentication unit 370 inputs PIN information for use of the voucher to the PIN authentication interface through the key input unit 320, and when the PIN information is input, (Or verifies) the PIN authentication information stored in the memory unit 350 and the PIN information by providing the PIN information to the voucher authentication unit 335 to process the voucher authentication for the voucher authentication, For example.

If the PIN for use of the voucher is authenticated through the authentication unit 370, the VM driving unit 375 drives a VM corresponding to the voucher module.

The professional generating unit 380 generates a voucher confirmation response message including the voucher object authentication information stored in the USIM 335 and the memory unit 350. [

According to the method of the present invention, when voucher trait unique identification information (or authentication information) is stored in the USIM 335 / memory unit 350, the vocabulary generating unit 380 generates the voucher tracing authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes unique identification information (or authentication information).

If the media reader unit 345 for reading the unique identification information (or the authentication information) of the voucher provider from the voucher provider medium is provided to the wireless terminal 300, (Or authentication information) of the voucher provider that is to be read from the voucher provider medium via the voucher provider's < RTI ID = 0.0 > 345 < / RTI >

Alternatively, if the voucher details received through the receiving unit 355 include the unique identification information (or the authentication information) of the voucher provider, the vocabulary generator 380 generates the voucher provider unique ID It is desirable to generate a voucher acknowledgment telegram that further includes identification information (or authentication information).

Alternatively, an interface for inputting the unique identification information (or authentication information) of the voucher provider is output to the screen output unit 310 through the interface output unit 365, and unique identification information of the voucher provider Or the authentication information) is input, the professional creator 380 may generate a voucher confirmation response message further including unique identification information (or authentication information) of the input voucher provider.

When the voucher confirmation response telegram is generated, the transmission unit 385 connects a communication channel for transmitting the voucher confirmation response message to the voucher server on the communication network through the radio processing unit 330, And transmits the created voucher confirmation response message to the voucher server.

4 is a diagram showing a functional configuration of a voucher target wireless terminal 400 according to a third embodiment of the present invention.

4 is a block diagram illustrating a configuration of a display apparatus according to an exemplary embodiment of the present invention. Referring to FIG. 4, a control unit 405, a screen output unit 410, a sound processing unit 415, a key input unit 420, a radio processing unit 430, An MS card, an RF card, an RF device, an RFID, and a USB device for use of the voucher, and a user interface unit 450, a USIM 435, a USIM reader unit 440, and a battery 425, (Or authentication information) corresponding to any one of card information, device information, RFID information, and USB information uniquely assigned to the voucher provider from the voucher provider medium corresponding to the voucher provider medium, A person skilled in the art of the present invention will be able to refer to and / or modify the voucher subject wireless terminal 400, Voucher Applicable to other wireless communication standards other than mobile phones It is possible to deduce an implementation method for the functional configuration of the wireless terminal 400 having the function for using the voucher to the wireless terminal 400 connected to the pre-network, and the present invention includes all the methods of inferring And the technical features thereof are not limited only by the method shown in FIG.

4, the VM driving module of the voucher target wireless terminal 400 includes a receiving unit 455 that receives a voucher corresponding to voucher usage from a voucher server on a communication network, An interface output unit 460 for outputting a PIN authentication interface for inputting a PIN for authenticating use of the voucher, an authentication unit 465 for authenticating a PIN input through the PIN authentication interface through the key input unit 420, And a VM driver 470 for driving a voucher processing VM when the PIN for use of the voucher is authenticated. The voucher module may further include a voucher module, Or an output unit 475 for outputting via the sound processing unit 415 and a voucher confirmation response message containing the voucher target authentication information stored in the USIM 435 / Characterized in that obtained by having a specialized generation unit 480, a transmission unit (485) for transmitting the generated voucher check response message through the wireless processing unit 430 as a voucher server on the network.

The voucher provider may provide a type (or an intangible) article / service corresponding to the voucher to the voucher subject, and the voucher provider may provide the type (or the intangible) of the voucher to the voucher provider through the voucher provider's terminal (e.g., the voucher provider's wireless terminal 400 or the wired terminal) (Or server) of a voucher institution issuing / paying a voucher to a voucher server on the communication network by providing voucher details corresponding to a type (or an intangible) article / service provided to a voucher subject to a voucher server on the communication network, (Or intangible) product / service provided by the provider to the voucher server to the voucher server on the communication network, and then transmits the voucher details to the voucher target wireless terminal 400 from the voucher server The receiving unit 455 receives the bar on the communication network through the radio processing unit 430, In the destination server it is characterized in that for receiving the voucher details.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

According to the method of the present invention, the voucher provider information of the voucher details may include unique identification information (or authentication information) of the voucher provider.

When the voucher details are received through the receiver 455, the interface output unit 460 outputs a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the screen output unit 410. If the subject of the voucher is a visually impaired person, the interface output unit 460 outputs voice data requesting to input a PIN for voucher use through the PIN authentication interface.

After the PIN authentication interface is output, the authentication unit 465 inputs PIN information for use of the voucher to the PIN authentication interface through the key input unit 420, and when the PIN information is input, (Or verification operation) between the PIN authentication information stored in the memory unit 450 and the input PIN information by providing the PIN information to the voucher authentication unit 435 to perform the voucher authentication for the voucher authentication, For example.

If the PIN for authenticating the voucher is authenticated through the authentication unit 465, the VM driving unit 470 drives a VM corresponding to the voucher module.

The output unit 475 outputs the voucher details received through the receiving unit 455 through the screen output unit 410. When the voucher subject is a blind person, the output unit 475 converts the received voucher details into voice data (Or voice data included in the voucher details if the voucher details include voice data) through the sound processing unit 415. [0050] FIG.

The professional generating unit 480 generates a voucher confirmation response message including the voucher object authentication information stored in the USIM 435 / memory unit 450. [

According to the embodiment of the present invention, when voucher trait identification information (or authentication information) is stored in the USIM 435 / memory unit 450, the vocabulary generating unit 480 generates the voucher trainer authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes unique identification information (or authentication information).

If the media reader unit 445 for reading the unique identification information (or the authentication information) of the voucher provider from the voucher provider medium is provided to the wireless terminal 400, (Or authentication information) of the voucher provider that is to be read from the voucher provider medium via the voucher provider medium 445. [

Alternatively, if the voucher history received through the receiver 455 includes the voucher provider's unique identification information (or authentication information), the vocabulary generation unit 480 generates the voucher provider unique voucher unique It is desirable to generate a voucher acknowledgment telegram that further includes identification information (or authentication information).

Alternatively, an interface for inputting the unique identification information (or authentication information) of the voucher provider is output to the screen output unit 410 through the interface output unit 460, and unique identification information of the voucher provider Or the authentication information) is input, the professional generating unit 480 generates a voucher confirmation response message further including unique identification information (or authentication information) of the inputted voucher provider.

When the voucher confirmation response message is generated, the transmission unit 485 connects a communication channel for transmitting the voucher confirmation response message to the voucher server on the communication network through the wireless processing unit 430, And transmits the created voucher confirmation response message to the voucher server.

5 is a diagram showing a functional configuration of a voucher target wireless terminal 500 according to a fourth embodiment of the present invention.

5 is a block diagram illustrating the configuration of a display apparatus according to an exemplary embodiment of the present invention. Referring to FIG. 5, a control unit 505, a screen output unit 510, a sound processing unit 515, a key input unit 520, a radio processing unit 530, An MS card, an RF card, an RF device, an RFID, and a USB device for use of the voucher, and a user interface unit 550, a USIM 535, a USIM reader unit 540, and a battery 525, (Or authentication information) corresponding to any one of card information, device information, RFID information, and USB information uniquely assigned to the voucher provider from the voucher provider medium corresponding to the voucher provider medium, 5 is a block diagram illustrating another embodiment of a voucher target wireless terminal 500 having a voucher reader 545 according to an exemplary embodiment of the present invention. Voucher Applicable to other wireless communication standards other than mobile phones It is possible to deduce an implementation method for the function configuration of the wireless terminal 500 having the function for using the voucher to the wireless terminal 500 connected to the pre-network, and the present invention includes all of the above- And the technical features thereof are not limited only by the method shown in FIG.

5, the voucher subject wireless terminal 500 includes a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the screen output unit 510, a voucher interface for inputting / selecting a voucher description, An authentication unit 560 for authenticating a PIN input through the PIN authentication interface via the key input unit 520; and a PIN for use of the voucher, the USIM 535 And a voucher server 530 for transmitting the generated voucher message to a voucher server on the communication network through the wireless processor 530 And a transfer unit 570. [0064]

The interface output unit 555 outputs a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the screen output unit 510. If the voucher subject is a visually impaired person, the interface output unit 555 outputs voice data requesting to input a PIN for use of the voucher through the input PIN authentication interface.

After the PIN authentication interface is output, the authentication unit 560 inputs PIN information for use of the voucher to the PIN authentication interface through the key input unit 520, and when the PIN information is input, (Or verification operation) between the PIN authentication information stored in the memory unit 550 and the input PIN information by providing the PIN information to the voucher authentication unit 535, For example.

If the PIN for use of the voucher is authenticated through the authentication unit 560, the interface output unit 555 outputs a voucher interface for inputting / selecting voucher details for use of the voucher, Enter / select the voucher details.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

When the voucher details are input, the professional creator 565 generates a voucher advertisement including the inputted voucher details and the voucher object authentication information stored in the USIM 535 / memory unit 550 .

According to the embodiment of the present invention, when the voucher authority unique identification information (or the authentication information) is stored in the USIM 535 / the memory unit 550, the professional generation unit 565 generates the voucher object authentication information, It is preferable to generate a voucher specialization further including unique identification information (or authentication information).

If the media reader unit 545 for reading the unique identification information (or the authentication information) of the voucher provider from the voucher provider medium is provided to the wireless terminal 500, (Or authentication information) of the voucher provider that is read from the voucher provider medium via the voucher provider 545.

Alternatively, an interface for inputting the unique identification information (or the authentication information) of the voucher provider may be output to the screen output unit 510 through the interface output unit 555, or the unique identification information of the voucher provider (Or authentication information) of the voucher provider. When the unique identification information (or the authentication information) of the voucher provider is input through the interface, the professional generation unit 565 generates the voucher provider unique identification information (Or authentication information) for the voucher.

When the voucher telegram is generated, the transmitting unit 570 connects a communication channel for transmitting the voucher telegram to the voucher server on the communication network through the radio processor 530, and transmits the generated voucher And transmits the message to the voucher server.

6 is a flowchart illustrating a voucher history transfer process according to an embodiment of the present invention.

6 shows a process of transmitting a voucher history to the voucher target wireless terminal 500 shown in Figs. 2 to 4 for use of the voucher in the wireless voucher operating system shown in Fig. 1 Those skilled in the art will be able to refer to and / or modify the FIG. 6 to understand various ways of transmitting the voucher history (e.g., some steps may be omitted or the order may be changed). However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited to those shown in FIG.

Referring to FIG. 6, the voucher server shown in FIG. 1 receives a voucher corresponding to a corresponding type (or intangible) voucher goods / service provided from the voucher provider terminal by the voucher provider to the voucher object, A voucher corresponding to a type (or intangible) voucher article / service requested to receive the wireless terminal 500 information or to provide the voucher subject via the voucher provider from the voucher institution server and voucher subject wireless terminal 500 (600), and verifies the validity of the voucher details received via the voucher D / B and the voucher subject wireless terminal 500 information (605).

If the voucher details and the validity of the voucher subject wireless terminal 500 information are authenticated (610), the voucher server transmits the voucher details to the voucher subject wireless terminal 500 (615).

According to an embodiment of the present invention, the voucher server transmits a wireless message including a callback URL for transmitting the voucher details to the voucher target wireless terminal 500, And transmits the voucher details to the user terminal 500.

When the voucher module VM of the voucher subject wireless terminal 500 is driven according to another embodiment of the present invention and the voucher details are transmitted to the voucher subject wireless terminal 500, The voucher module 500 may connect the voucher module VM with a communication channel and transmit the voucher details to the voucher target wireless terminal 500 through the communication channel.

7 is a flowchart illustrating a voucher process according to the first embodiment of the present invention.

In more detail, FIG. 7 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher target wireless terminal 500 shown in FIG. 1 to the voucher server shown in FIG. 1, and it will be understood by those skilled in the art that various changes and modifications may be made to the voucher processing process It is to be understood that the present invention is not limited to the above-described embodiment (s), but it is to be understood that the present invention is not limited to the embodiment (s) Technical features are not limited.

Referring to FIG. 7, when the voucher details are received (700) from the voucher server shown in FIG. 1 through the process shown in FIG. 6 to the voucher target wireless terminal 500 shown in FIG. 2, The wireless terminal 500 drives the voucher module VM shown in FIG. 2 (705), outputs the received voucher details to the screen or sounds (710), inputs a PIN for authenticating the voucher use When the PIN is input through the PIN authentication interface, the PIN information is provided to the USIM 535 provided in the voucher subject wireless terminal 500 to perform the PIN authentication for the voucher authentication (Or verifies) the PIN authentication information stored in the memory unit 550 and the input PIN information to process the PIN authentication for the voucher authentication (715).

If the PIN is not authenticated (720), the voucher subject wireless terminal 500 outputs a voucher error message (725) and ends the voucher process.

If the PIN is authenticated (720), the voucher target wireless terminal 500 checks (730) the voucher target authentication information stored in the USIM 535 / memory unit 550 and includes the voucher target authentication information (735). ≪ / RTI >

According to the method of the present invention, when the voucher institution specific identification information (or the authentication information) is stored in the USIM 535 / the memory unit 550, the voucher subject wireless terminal 500 transmits the voucher object authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes institution specific identification information (or authentication information).

If the wireless terminal 500 is provided with a media reader for reading the unique identification information (or authentication information) of the voucher provider from the voucher provider medium, the voucher target wireless terminal 500 may transmit It is preferable to generate the voucher acknowledgment message further including unique identification information (or authentication information) of the voucher provider that is read from the voucher provider medium.

Alternatively, if the received voucher details include the unique identification information (or the authentication information) of the voucher provider, the voucher subject wireless terminal 500 transmits the voucher provider unique identification information (or authentication information) Information) of the voucher confirmation response.

Alternatively, if an interface for inputting the unique identification information (or authentication information) of the voucher provider is output and the unique identification information (or authentication information) of the voucher provider is input through the interface, the voucher target wireless terminal 500 ) Generates the voucher confirmation response message further including the unique identification information (or authentication information) of the inputted voucher provider.

Thereafter, the voucher subject wireless terminal 500 transmits the generated voucher confirmation response message to the voucher server shown in FIG. 1 (740).

FIG. 8 is a flowchart illustrating a voucher process according to a second embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher target wireless terminal 500 shown in FIG. 1 to the voucher server shown in FIG. 1, and it will be understood by those skilled in the art that various changes and modifications to the voucher processing process It is to be understood that the present invention is not limited to the above-described embodiment (s), but it is to be understood that the present invention is not limited to the embodiment Technical features are not limited.

Referring to FIG. 8, when the voucher details are received (800) from the voucher server shown in FIG. 1 through the process shown in FIG. 6 to the voucher target wireless terminal 500 shown in FIG. 3, If the PIN is inputted through the PIN authentication interface after outputting the voucher details to the screen output or sound output 805 and a PIN authentication interface for inputting the PIN for authenticating the use of the voucher, Or the PIN authentication information stored in the memory unit 550 and the PIN information stored in the memory unit 550 are compared with each other And processes PIN authentication for the voucher authentication (810).

If the PIN is not authenticated (815), the voucher subject wireless terminal 500 outputs a voucher error message (820) and ends the voucher process.

If the PIN is authenticated 815, the voucher target wireless terminal 500 drives 820 the voucher module VM shown in FIG. 3, and correspondingly, the voucher subject wireless terminal 500 transmits The voucher object authentication information stored in the USIM 535 / memory unit 550 is checked (830), and a voucher confirmation response message including the voucher object authentication information is generated (835).

According to the method of the present invention, when the voucher institution specific identification information (or the authentication information) is stored in the USIM 535 / the memory unit 550, the voucher subject wireless terminal 500 transmits the voucher object authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes institution specific identification information (or authentication information).

If the wireless terminal 500 is provided with a media reader for reading the unique identification information (or authentication information) of the voucher provider from the voucher provider medium, the voucher target wireless terminal 500 may transmit It is preferable to generate the voucher acknowledgment message further including unique identification information (or authentication information) of the voucher provider that is read from the voucher provider medium.

Alternatively, if the received voucher details include the unique identification information (or the authentication information) of the voucher provider, the voucher subject wireless terminal 500 transmits the voucher provider unique identification information (or authentication information) Information) of the voucher confirmation response.

Alternatively, if an interface for inputting the unique identification information (or authentication information) of the voucher provider is output and the unique identification information (or authentication information) of the voucher provider is input through the interface, the voucher target wireless terminal 500 ) Generates the voucher confirmation response message further including the unique identification information (or authentication information) of the inputted voucher provider.

Thereafter, the voucher subject wireless terminal 500 transmits the generated voucher confirmation response message to the voucher server shown in FIG. 1 (840).

9 is a flowchart illustrating a voucher process according to a third embodiment of the present invention.

In more detail, FIG. 9 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 in the voucher target wireless terminal 500 shown in FIG. 1 to the voucher server shown in FIG. 1, and it will be understood by those skilled in the art that various changes and modifications may be made to the voucher processing process It is to be understood that the present invention is not limited to the embodiment (s), but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Technical features are not limited.

Referring to FIG. 9, when the voucher details are received (900) from the voucher server shown in FIG. 1 through the process shown in FIG. 6 to the voucher target wireless terminal 500 shown in FIG. 4, If the PIN is input through the PIN authentication interface after outputting the voucher history to the screen output or sound (905), a PIN authentication interface for inputting a PIN for authenticating the use of the voucher is output, the voucher object wireless terminal 500 Or the PIN authentication information stored in the memory unit 550 and the PIN information stored in the memory unit 550 are compared with each other And processes PIN authentication for the voucher authentication (910).

If the PIN is not authenticated (915), the voucher subject wireless terminal 500 outputs a voucher error message (920) and ends the voucher process.

If the PIN is authenticated 915, the voucher target wireless terminal 500 drives 920 the voucher module VM shown in FIG. 4, and correspondingly, the voucher target wireless terminal 500 transmits The voucher object authentication information stored in the USIM 535 / memory unit 550 is checked (930), and a voucher confirmation response message including the voucher object authentication information is generated (935).

According to the method of the present invention, when the voucher institution specific identification information (or the authentication information) is stored in the USIM 535 / the memory unit 550, the voucher subject wireless terminal 500 transmits the voucher object authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes institution specific identification information (or authentication information).

If the wireless terminal 500 is provided with a media reader for reading the unique identification information (or authentication information) of the voucher provider from the voucher provider medium, the voucher target wireless terminal 500 may transmit It is preferable to generate the voucher acknowledgment message further including unique identification information (or authentication information) of the voucher provider that is read from the voucher provider medium.

Alternatively, if the received voucher details include the unique identification information (or the authentication information) of the voucher provider, the voucher subject wireless terminal 500 transmits the voucher provider unique identification information (or authentication information) Information) of the voucher confirmation response.

Alternatively, if an interface for inputting the unique identification information (or authentication information) of the voucher provider is output and the unique identification information (or authentication information) of the voucher provider is input through the interface, the voucher target wireless terminal 500 ) Generates the voucher confirmation response message further including the unique identification information (or authentication information) of the inputted voucher provider.

Thereafter, the voucher subject wireless terminal 500 transmits the generated voucher confirmation response message to the voucher server shown in FIG. 1 (940).

FIG. 10 is a flowchart illustrating a voucher process according to a fourth embodiment of the present invention.

In more detail, FIG. 10 is a flowchart illustrating a method of inputting / selecting voucher details in the voucher target wireless terminal 500 shown in FIG. 5, generating a voucher confirmation response message including the voucher details and voucher target authentication information, To the voucher server shown in FIG. 10, and those skilled in the art will be able to refer to and / or modify the FIG. 10 to implement various methods of voucher processing The present invention can be applied to all of the above-described embodiments, and the technical features of the present invention can be limited only by the method shown in FIG. 10, Or more.

Referring to FIG. 10, the voucher subject wireless terminal 500 shown in FIG. 5 outputs a PIN authentication interface for inputting a PIN for authenticating the use of the voucher, and when a PIN is input through the PIN authentication interface, The voucher object 500 transmits the PIN information to the USIM 535 of the wireless terminal 500 to process the PIN authentication for the voucher authentication or the PIN authentication information stored in the memory unit 550 and the input PIN information (Or verification operation) to process the PIN authentication for the voucher authentication (1000).

If the PIN is not authenticated (1005), the voucher subject wireless terminal 500 outputs a voucher error message (1010) and ends the voucher process.

On the other hand, if the PIN is authenticated (1005), the voucher target wireless terminal 500 outputs a voucher interface for inputting / selecting the voucher details for use of the voucher, and inputs / selects the voucher details through the voucher interface (1015).

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

If the voucher details are input / selected 1020, the voucher target wireless terminal 500 checks voucher target authentication information stored in the USIM 535 / memory unit 550 (1025) A voucher acknowledgment message containing information is generated (1030).

According to the method of the present invention, when the voucher institution specific identification information (or the authentication information) is stored in the USIM 535 / the memory unit 550, the voucher subject wireless terminal 500 transmits the voucher object authentication information, It is desirable to generate a voucher acknowledgment telegram that further includes institution specific identification information (or authentication information).

If the wireless terminal 500 is provided with a media reader for reading the unique identification information (or the authentication information) of the voucher provider from the voucher provider medium, the voucher target wireless terminal 500 transmits (Or authentication information) of the voucher provider to be read from the voucher provider medium.

Alternatively, if the received voucher details include the unique identification information (or the authentication information) of the voucher provider, the voucher subject wireless terminal 500 transmits the voucher provider unique identification information (or authentication information) Information) of the voucher confirmation response.

Alternatively, if an interface for inputting the unique identification information (or authentication information) of the voucher provider is output and the unique identification information (or authentication information) of the voucher provider is input through the interface, the voucher target wireless terminal 500 ) Generates the voucher confirmation response message further including the unique identification information (or authentication information) of the inputted voucher provider.

Then, the voucher recipient wireless terminal 500 transmits the generated voucher confirmation response message to the voucher server shown in FIG. 1 (1035).

FIG. 11 is a flowchart illustrating a voucher approval process according to an embodiment of the present invention.

FIG. 11 shows a process of receiving a voucher confirmation response message (or a voucher message) from the voucher receiver wireless terminal 500 shown in FIGS. 2 to 5 and processing the voucher acknowledgment. Those skilled in the art will appreciate that various implementations of the voucher approval process (e.g., omitting some steps or changing the order) may be referred to and / or modified with reference to FIG. 11 However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 11, the voucher server shown in FIG. 1 receives (1100) a voucher confirmation response message (or a voucher message) from the voucher receiver wireless terminal 500 shown in FIGS. 2 to 5, (Or the voucher specialization) and confirms the voucher (1105).

According to the method of the present invention, the voucher server reads the voucher confirmation response (or the voucher telegram), verifies the voucher target authentication information, compares the voucher target authentication information stored in the voucher D / B with the voucher target authentication information And the approval of the voucher details is processed.

If the voucher server's unique identification information (or authentication information) is further included in the voucher confirmation response (or voucher), the voucher server transmits the unique identification information (or authentication information) of the voucher institution and the voucher D / It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher institution stored in B to process approval of the voucher details.

Alternatively, if the voucher server further includes the voucher provider's unique identification information (or authentication information), the voucher server transmits the voucher provider's unique identification information (or authentication information) and the voucher D It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher provider stored in / B to process approval of the voucher details.

If the voucher is not approved (1110), the voucher server transmits the unauthorized processed voucher approval to the voucher target wireless terminal (1115).

On the other hand, when the voucher is approved (1110), the voucher server stores the approved voucher details and the voucher subject information in a storage medium (1120), and stores the approved voucher approval details in the voucher subject wireless terminal (1125), and further transmits the remaining voucher information for the voucher to the voucher subject wireless terminal (500) (1125).

FIG. 12 is a diagram illustrating a configuration of a prepaid wireless voucher operating system according to an embodiment of the present invention.

In more detail, FIG. 12 shows a voucher provider of the wireless voucher operating system shown in FIG. 1, which designates a voucher provider who provides voucher service to a voucher subject, prepares a voucher amount corresponding to the voucher service, When the voucher confirmation response message is received from the wireless terminal 1285, the voucher provider confirms that the voucher details corresponding to the voucher confirmation response are correctly executed among the voucher amounts paid to the voucher provider, Those skilled in the art will be able to refer and / or modify FIG. 12 to illustrate various embodiments of the prepaid wireless voucher operating system configuration (e.g., some of the components may be omitted, , Or a combined implementation). Yet, the present invention is composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 12. Hereinafter, in FIG. 12, a detailed description of the same configuration as the functional configuration shown in FIG. 1 will be made with reference to FIG.

Referring to FIG. 12, the prepaid wireless voucher operating system includes a voucher target wireless terminal 1285 and a voucher server 1200 operating a prepaid wireless voucher based on the functional configuration shown in FIG. 1 And includes a voucher provider terminal 1270 (or a voucher provider server) and a voucher institution server 1275 (or a voucher institution terminal).

According to the present invention, the voucher server 1200 may include voucher information for issuing / paying the voucher subject to the voucher institution, voucher subject information for issuing / receiving the voucher from the voucher institution, (Or intangible) voucher goods / service corresponding to the voucher to the voucher target person, the voucher object authentication information stored in the storage area of the voucher object storage unit 1285, the voucher authority information for issuing / And a voucher D / B 1260 for further storing the voucher provider information to be provided, or may be interlocked with the voucher D / B 1260 via a communication network.

The voucher subject information preferably includes personal information (e.g., name, resident registration number, address, etc.) of the voucher subject to which the voucher is issued / paid from the voucher institution and information on the voucher subject wireless terminal 1285 .

According to the embodiment of the present invention, the voucher target authentication information included in the voucher confirmation response received from the voucher subject wireless terminal 1285 is encrypted with the encryption key stored in the USIM (or memory) of the voucher target wireless terminal 1285 The voucher subject information may further include a decryption key for decrypting the encrypted voucher object authentication information.

According to the embodiment of the present invention, when verifying the validity of the wireless terminal of the voucher subject, the voucher subject information includes a server-side certificate for connecting the secure communication channel between the voucher server wireless terminal 1285 and the voucher server 1200 And the USIM / memory unit of the voucher target wireless terminal 1285 may include a terminal side certificate to be exchanged with the voucher server 1200. In this case, The voucher server 1200 and the voucher server 1200 exchanges a random number and a certificate, encrypts the random number with the key value included in the certificate, To authenticate each other.

If the server-side certificate is integrated into all voucher subject wireless terminals 1285, the server-side certificate is preferably stored in a separate certificate D / B (not shown).

According to the method of the present invention, when verifying the validity of the wireless terminal of the voucher subject, the voucher subject information further includes authentication information of the voucher subject wireless terminal (1285) for authenticating the validity of the voucher subject wireless terminal .

According to the embodiment of the present invention, the voucher subject wireless terminal 1285 authentication information is transmitted to the voucher subject wireless terminal 1285 through the second voucher authentication information which is not used as the voucher subject authentication information among the unique information stored in the USIM / In this case, the voucher server 1200 receives the voucher subject wireless terminal 1285 authentication information from the voucher subject wireless terminal 1285 (or reads and confirms the communication session) (Or verification operation) with the voucher subject wireless terminal 1285 authentication information included in the voucher subject information to authenticate the validity of the voucher subject wireless terminal 1285.

The voucher target authentication information is preferably stored in the USIM / memory unit of the voucher target wireless terminal 1285 and includes information for authenticating that the wireless terminal user is a voucher target.

According to the embodiment of the present invention, the voucher target authentication information includes at least one unique information stored in a USIM (or memory) provided in the voucher target wireless terminal 1285, and the voucher target authentication information As shown in FIG.

Referring to FIG. 12, the voucher server 1200 includes a voucher record corresponding to a voucher amount pre-paid to the voucher provider 1270 or a voucher institution server 1275, A history receiving unit 1205 for receiving information on a voucher subject wireless terminal 1285 corresponding to a voucher subject to be provided with a service and a voucher subject information including information on the received voucher details and voucher subject wireless terminal 1285, And an information storage unit 1240 for storing the voucher provider information 1260 in the storage medium 1265. The voucher provider information 1240 includes voucher provider information 1240 including unique identification information (or authentication information) The history receiving unit 1205 includes unique identification information (or authentication information) of the voucher provider medium, The information storage unit 1240 further stores the voucher provider information in association with the voucher details and the voucher subject information.

Here, the voucher particulars include voucher information including a voucher amount pre-paid so that the voucher provider provides voucher service to the voucher recipient according to a voucher issued / paid to the voucher recipient by the voucher institution, Information, and voucher provider information.

12, the voucher server 1200 includes a history transmitter 1215 that transmits the voucher details to the voucher subject wireless terminal 1285 corresponding to the voucher subject wireless terminal 1285 information. When the voucher details and the voucher subject wireless terminal 1285 information are received, the validity of the voucher details received via the voucher D / B 1260 and the voucher subject wireless terminal 1285 information is authenticated And a voucher authentication unit (1210).

Here, the voucher details may be provided in real time according to the voucher details request of the voucher target wireless terminal 1285 at the time the voucher provider provides the voucher service to the voucher target, or the voucher provider may provide voucher vouchers It is preferable that the voucher subject is transmitted and stored in advance to the voucher subject wireless terminal 1285 before providing the service.

Referring to FIG. 12, the voucher server 1200 transmits a voucher confirmation response message to the voucher subject wireless terminal 1285 after transmitting the voucher details to the voucher subject wireless terminal 1285, And a security processing unit 1220 for connecting the voucher target wireless terminal 1285 with a secure communication channel.

When the communication channel is connected to the voucher target wireless terminal 1285, the security processing unit 1220 exchanges a certificate with the voucher target wireless terminal 1285, generates a random number, and transmits the key value included in the certificate And transmits the session key between the voucher target wireless terminal 1285 and the voucher server 1200 by allocating a session key between the voucher target wireless terminal 1285 and the voucher server 1200 through an exchange- A secure communication channel through which a communication packet is encrypted / decrypted is connected.

12, the voucher server 1200 may authenticate the validity of the voucher subject wireless terminal 1285 to which the communication channel is connected through the authentication information for the voucher subject wireless terminal 1285, And a validity confirmation unit 1230 for authenticating the voucher provider to provide a voucher for providing the voucher service to the voucher provider through location tracking of the voucher provider wireless terminal.

According to the embodiment of the present invention, the voucher subject wireless terminal 1285 authentication information is transmitted to the voucher subject wireless terminal 1285 through the second unique information that is not used as the voucher subject authentication information among the unique information stored in the USIM / The validity checking unit 1230 checks authentication information of the voucher subject wireless terminal 1285 from the communication session information corresponding to the communication channel and transmits the voucher subject information stored in the voucher D / (Or verification operation) with the voucher subject wireless terminal 1285 authentication information included in the voucher subject wireless terminal 1285 to authenticate the validity of the voucher subject wireless terminal 1285 or to authenticate the voucher subject wireless terminal 1285 from the voucher subject wireless terminal 1285 Information of the voucher subject wireless terminal (1285) included in the voucher confirmation response message is received, And verifies the validity of the voucher subject wireless terminal 1285 by comparing (or verifying) the voucher subject information stored in the voucher D / B 1260.

Also, after the voucher confirmation response message (or the voucher message) is received from the voucher subject wireless terminal 1285, the validity checking unit 1230 determines whether the voucher subject wireless terminal 1285 information (E.g., terrestrial-based location tracking or GPS-based location tracking) of the location of the voucher provider's wireless terminal information to identify the location of the voucher subject wireless terminal 1285 and the location of the voucher provider's wireless terminal, (Or the voucher provider) 1285 and the voucher provider wireless terminal location information, and transmits the voucher provider's wireless terminal 1285 and the voucher provider wireless terminal to the same location where the voucher provider can provide the voucher service Or a position close within a predetermined range), the voucher provider can determine whether the voucher provider To destination subjects authenticates the validity of the voucher to provide services.

Referring to FIG. 12, the voucher server 1200 receives a voucher confirmation response message including voucher target authentication information included in a voucher subject wireless terminal 1285 storage area from the voucher subject wireless terminal 1285 A voucher approval unit 1235 for reading out the voucher confirmation response message and processing the approval of the voucher details; and a voucher approval unit 1235 for receiving the voucher subject information and the voucher provider 1235 when the voucher is approved, And the information storage unit 1240 stores the voucher provider's unique identification information (or authentication information) in the storage medium 1265 in connection with the voucher subject wireless terminal 1285. In the voucher subject wireless terminal 1285, , Or when the unique identification information (or authentication information) of the voucher provider is read from the voucher provider's medium, Professional preferably further comprises a unique identification (or authentication information) of the provider voucher. If the voucher recipient has to pay a certain amount of the copayment to receive the voucher service from the voucher provider, the voucher confirmation response message may further include the copayment processing information for paying the copayment amount Do.

If the voucher subject wireless terminal 1285 is provided with a function of inputting voucher details or a function of selecting a predetermined voucher details, the vocational receiver 1225 receives the voucher details from the voucher subject wireless terminal 1285 (Or automatically selected) from the voucher subject wireless terminal 1285. In this case, the voucher telegram may be transmitted to the voucher subject wireless terminal 1285 through the voucher agency's own identification information (Or authentication information) of the voucher provider, which is input from the voucher target wireless terminal 1285 or read from the voucher provider medium. If the voucher subject has to pay a certain amount of the copayment to receive the voucher service from the voucher provider, the voucher specialist may further include the copayment processing information for paying the copayment.

According to one embodiment of the present invention, the copayment processing information includes at least one of the copayment information and the voucher subject payment means information extracted from the USIM / memory unit of the voucher subject wireless terminal 1285 (for example, a credit card Payment information, debit card information, prepaid card information, account information, etc.), and in this case, the payment is approved through the payment server corresponding to the payment means, Be burdened.

According to another embodiment of the present invention, when the principal charge is charged to the communication fee of the voucher target wireless terminal 1285, the principal charge information is transmitted to the predetermined voucher server (not shown) When the co-payment amount is a predetermined fixed amount, if the co-payment information is omitted from the co-payment information, and if the voucher approval is replaced with a phone approval, the co- The authentication number may be omitted from the processing information.

According to another embodiment of the present invention, when the voucher subject deposits a predetermined copayment deposit to the voucher institution or the voucher provider, the copayment information may include only the copayment information, or the copayment information may include only the copayment information It can be omitted if it is set fixed amount.

If the voucher target authentication information included in the voucher confirmation response (or the voucher telegram) is encrypted and received according to the method of the present invention, the videorecord receiver 1225 receives the voucher authentication information included in the voucher D / B 1260 It is preferable to confirm the decryption key included in the subject information and decrypt the voucher object authentication information through the decryption key.

When the voucher acknowledgment message (or voucher message) is received, the voucher acceptance unit 1235 reads the voucher acknowledgment message (or the voucher message) and verifies the voucher object authentication information, and the voucher D / B 1260 (Or verification operation) with the voucher object authentication information stored in the voucher provider so that the voucher amount corresponding to the voucher service provided to the voucher provider by the voucher provider among the voucher amounts pre-paid to the voucher provider by the voucher institution is normally executed And an approval process is performed.

If the voucher acknowledgment message (or voucher message) includes the unique identification information (or the authentication information) of the voucher institution, the voucher acceptance unit 1235 transmits the unique identification information (or the authentication information) (Or verification information) of the voucher institution stored in the voucher D / B 1260 and transmits the voucher information to the voucher provider 1260. The voucher provider compares the voucher provider's unique identification information To the voucher service provided by the voucher service provider.

Alternatively, if the voucher acknowledgment unit 1235 further includes the unique identification information (or authentication information) of the voucher confirmation response specialist (or voucher specialist) voucher provider, (Or verification information) of the voucher provider stored in the voucher D / B 1260 and transmits the voucher provider's voucher information to the voucher provider It is characterized in that it is recognized that the voucher amount corresponding to the voucher service provided to the subject is normally executed.

If the voucher is approved by the voucher approval unit 1235, the information storage unit 1240 stores the voucher details of the approval process in connection with the voucher subject information and voucher provider information and stores the voucher subject information in the storage medium 1265 .

Referring to FIG. 12, the voucher server 1200 includes an information transmission unit 245 transmitting the voucher approval details to the voucher target wireless terminal, or transmitting remaining voucher information according to the voucher approval to the voucher target wireless terminal, The information transferring unit 245 transfers the remaining voucher information included in the voucher information of the voucher subject person (for example, the remaining voucher amount or the remaining voucher information) from the voucher D / B 1260 And transmits the remaining voucher information to the voucher subject wireless terminal.

Referring to FIG. 12, the voucher server 1200 determines that an amount corresponding to the voucher service provided by the voucher provider to the voucher service from the voucher amount provided to the voucher provider by the voucher institution is normally executed, The voucher processing unit 1250 processes the voucher details stored in the storage medium 1265 and the voucher subject information and the voucher provider information to the voucher processing unit 1250. [ And transmits it to the institution server 1275.

Referring to FIG. 12, when the voucher server 1200 has to pay a certain amount of the coin to receive the voucher service from the voucher provider, the voucher server 1200 may receive the coin from the voucher The information storage unit 1240 stores the information on the result of the deductibles processing in the voucher record (or the voucher record) It is preferable that the voucher processing unit 1250 stores the voucher processing result information in the storage medium 1265 in connection with the voucher subject information or the voucher provider information, .

In accordance with one embodiment of the present invention, in order to bear the above-mentioned copayment, the copayment information is extracted from the voucher confirmation response message (or the voucher message) and the USIM / memory portion of the voucher subject wireless terminal 1285, (Such as credit card information, check card information, debit card information, prepaid card information, account information, and the like) included in the voucher subject payment processing unit 1255, A payment request message including payment information, voucher subject payment means information, and voucher provider information set for payment of the principal payment is transmitted to the payment server 1280 corresponding to the payment means, and payment approval is confirmed, So that the contribution is paid to the voucher provider.

Alternatively, the copayment processing unit 1255 may form a payment request message including the account information, the voucher subject payment means information, and the voucher authority information set for settlement of the copayment, so that the payment server 1280 ), And confirms the payment approval, so that the above-mentioned copayment is paid to the voucher provider via the voucher institution.

According to another embodiment of the present invention, in the case where the copayment is charged to the communication fee of the voucher target wireless terminal 1285, the copayment processing unit 1255 charges the communication fee of the voucher target wireless terminal 1285 according to the voucher approval By processing the information of the copayment included in the voucher confirmation response (or the voucher specialization) (or the included copayment information of the predetermined fixed amount) and the voucher subject wireless terminal 1285 information to be transmitted to the communication company server of the voucher subject, So that the copayment is paid to the voucher provider (or confirmed payment of the pre-deposited copayment).

According to another embodiment of the present invention, when the voucher recipient deposits a predetermined copayment deposit to the voucher institution or the voucher provider in order to bear the copayment, the copayment processing unit 1255 transmits the voucher approval (Or the copayment information including the predetermined fixed amount) included in the voucher confirmation response (or the voucher specialization) and the voucher subject information to the voucher institution or the voucher provider in which the copayment deposit is deposited , And the above-mentioned copayment is paid to the voucher provider (or confirmed payment of the pre-deposited copayment).

FIG. 13 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to the first embodiment of the present invention.

FIG. 13 shows an embodiment of the present invention having a function of interworking with the prepaid wireless voucher operating system shown in FIG. 12 in the function configuration of the voucher subject wireless terminal shown in FIG. 2, A person skilled in the art will be able to refer to and / or modify the FIG. 13 so that a wireless terminal connected to a wireless communication network of a wireless communication standard other than the above-mentioned voucher subject mobile phone can receive, It is to be understood that the present invention is not limited to the above-described embodiment, and that various changes and modifications may be made without departing from the scope of the present invention.

13, the voucher target wireless terminal includes a control unit 1320 corresponding to the modem chip, a screen output unit 1300 corresponding to a LCD (Liquid Crystal Display), and a display unit 1300 corresponding to a microphone / speaker A sound processing unit 1305, a key input unit 1310 corresponding to the keypad, a radio processing unit 1365 corresponding to the antenna and various RF modules, a memory unit corresponding to the nonvolatile memory, A USIM reader 1370 for reading / writing information (or data) to / from the USIM 1380, and a battery 1315 for supplying power And the voucher provider may be provided with a voucher provider unique to the voucher provider from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, the RF device, the RFID and the USB device for use of the voucher. (Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information.

Referring to FIG. 13, the VM driving module of the voucher target wireless terminal includes a receiving unit 1325 for receiving a voucher corresponding to voucher usage from the voucher server 1200 on the communication network, as shown in FIG. 2, And a VM driving unit 1330 for driving a voucher processing virtual machine (VM) when the voucher details are received. The voucher module transmits the received voucher details to the screen output unit 1300 or sound An interface output unit 1340 for outputting a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 1300, An authentication unit 1345 for authenticating a PIN input to the PIN authentication interface through an input unit 1310; And a transmission unit 1355 for transmitting the generated voucher confirmation response message to the voucher server 1200 on the communication network via the radio processing unit 1365. [ ), And a detailed description thereof will be made with reference to FIG.

According to the method shown in FIG. 13, the interface output unit 1340 outputs a PIN charge interface for inputting / selecting the principal charge processing information, in addition to outputting the PIN authentication interface as shown in FIG. It is preferable to further include a function of

According to an embodiment of the present invention, the interface output unit 1340 may further include a function of connecting a communication channel with the wireless terminal of the voucher provider and outputting a voucher video call interface for connecting a video call with the voucher provider desirable.

Alternatively, the interface output unit 1340 may output a voucher target image (e.g., a vital sign) corresponding to the voucher subject status (e.g., health status) to the voucher agency server 1275 via a camera (not shown) provided in the voucher target wireless terminal The voucher provider server 1275 may further include a function of outputting an image capturing interface for capturing an image of a voucher provider corresponding to voucher provider provision of the voucher provider, And transmitting the photographed voucher subject image or the voucher provider image to the voucher authority server 1275. [

The professional creator 1350 encrypts the voucher target authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 1380 / memory unit and includes the encrypted voucher target authentication information in the voucher confirmation response message .

According to the embodiment of the present invention, the specialist generation unit 1350 may include unique information used as the voucher target authentication information among the unique information stored in the USIM 1380 / memory unit, for authenticating the voucher subject wireless terminal validity And to include the second unique information in the voucher confirmation response message.

Also, the transmitting unit 1355 connects a communication channel with the voucher server 1200 shown in FIG. 12, exchanges a certificate with the voucher server 1200, generates a random number, And a function of connecting a secure communication channel by allocating a session key between the voucher target wireless terminal and the voucher server 1200 through an exchange and verification operation.

FIG. 14 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to a second embodiment of the present invention.

More specifically, FIG. 14 illustrates an embodiment of the present invention having a function of interfacing with the prepaid wireless voucher operating system shown in FIG. 12 to the voucher subject wireless terminal function configuration shown in FIG. 3, A person skilled in the art will be able to refer and / or modify the drawing 14 to a wireless terminal connected to a wireless communication network of a wireless communication standard other than the voucher subject mobile phone, It is to be understood that the present invention is not limited to the above-described embodiment, and that various changes and modifications may be made without departing from the scope of the present invention.

14, the wireless terminal of the voucher target includes a controller 1420 corresponding to the modem chip, a screen output unit 1400 corresponding to a LCD (Liquid Crystal Display), a microphone / speaker A key input unit 1410 corresponding to a keypad, a radio processing unit 1465 corresponding to an antenna and various RF modules, a memory unit 1460 corresponding to a nonvolatile memory, A USIM reader 1470 for reading / writing information (or data) to / from the USIM 1480, and a power supply And a battery 1415 for the voucher provider. The voucher provider may be provided with a battery 1415 for the voucher provider from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, the RF device, to do (Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information assigned to the user.

Referring to FIG. 14, the VM driving module of the voucher target wireless terminal includes a receiving unit 1425 for receiving a voucher corresponding to voucher usage from a voucher server 1200 on a communication network, An output unit 1430 for outputting the PIN through the sound output unit 1400 or the sound processing unit 1405 and an interface output unit for outputting a PIN authentication interface for inputting the PIN for authenticating use of the voucher through the screen output unit 1400 An authentication unit 1440 for authenticating a PIN input through the PIN authentication interface through the key input unit 1410, and a voucher processing VM (Virtual Machine) when the PIN for use of the voucher is authenticated And a VM driver 1445. The voucher module may include a voucher confirmation request including the voucher object authentication information stored in the USIM 1480 / And a transmission unit 1455 for transmitting the generated voucher confirmation response message to the voucher server 1200 on the communication network through the wireless processing unit 1465. [ And a detailed description thereof will be made with reference to FIG.

According to the method shown in FIG. 14, the interface output unit 1435 outputs a PIN charge interface for inputting / selecting the principal charge processing information, in addition to outputting the PIN authentication interface as shown in FIG. It is preferable to further include a function of

According to an embodiment of the present invention, the interface output unit 1435 may further include a function of outputting a voucher video call interface for connecting a communication channel with a wireless terminal of the voucher provider and connecting a video call with the voucher provider desirable.

Alternatively, the interface output unit 1435 may output the voucher object image corresponding to the voucher object status (for example, health status) to the voucher agency server 1275 through a camera (not shown) provided in the voucher target wireless terminal The voucher provider server 1275 may further include a function of outputting an image capturing interface for capturing an image of a voucher provider corresponding to voucher provider provision of the voucher provider, And transmitting the photographed voucher subject image or the voucher provider image to the voucher authority server 1275. [

Also, the professional generation unit 1450 encrypts the voucher target authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 1480 / memory unit 1460, and includes the voucher target authentication information in the voucher confirmation response message It is desirable to further include a function.

According to the embodiment of the present invention, the specialist generation unit 1450 generates the voucher target wireless terminal validity information in addition to the unique information used as the voucher target authentication information among the unique information stored in the USIM 1480 / memory unit 1460 And a function of including second unique information for authentication in the voucher confirmation response message.

Also, the transmitting unit 1455 connects a communication channel with the voucher server 1200 shown in FIG. 12, exchanges certificates with the voucher server 1200, generates a random number, And a function of connecting a secure communication channel by allocating a session key between the voucher target wireless terminal and the voucher server 1200 through an exchange and verification operation.

FIG. 15 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to a third embodiment of the present invention.

More specifically, FIG. 15 shows an embodiment of the present invention having a function of interfacing with the prepaid wireless voucher operating system shown in FIG. 12 to the voucher subject wireless terminal function configuration shown in FIG. 4, A person skilled in the art will be able to refer and / or modify this drawing 15 to a wireless terminal connected to a wireless communication network of a wireless communication standard other than the voucher subject mobile phone, It is to be understood that the present invention is not limited to the above-described embodiment, and that various changes and modifications will be apparent to those skilled in the art.

15, the voucher target wireless terminal includes a control unit 1520 corresponding to the modem chip, a screen output unit 1500 corresponding to a LCD (Liquid Crystal Display), and a display unit 1500 corresponding to a microphone / speaker A sound processing unit 1505, a key input unit 1510 corresponding to the keypad, a radio processing unit 1565 corresponding to the antenna and various RF modules, a memory unit 1560 corresponding to the nonvolatile memory, A USIM reader 1570 for reading / writing information (or data) to / from the USIM 1580, and a controller 1570 for reading / And a battery 1515. In order to use the voucher, the voucher provider can uniquely receive the voucher provider's voucher from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, the RF device,(Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information assigned to the user.

15, the VM driving module of the voucher target wireless terminal includes a receiving unit 1525 for receiving voucher details corresponding to the voucher use from the voucher server 1200 on the communication network, An interface output unit 1530 for outputting a PIN authentication interface for inputting a PIN for authenticating the use of the voucher, an authentication unit 1535 for authenticating a PIN input through the PIN authentication interface through the key input unit 1510, When the PIN for authenticating the voucher is authenticated, the voucher module includes a VM driver 1540 for driving a voucher processing VM. The voucher module transmits the voucher details to the screen output unit 1500, Or a voucher confirmation response message including the voucher object authentication information stored in the USIM 1580 / memory 1560, an output unit 1545 outputting the voucher authentication information through the sound processing unit 1505, And a transmission unit 1555 for transmitting the generated voucher confirmation response message to the voucher server 1200 on the communication network through the wireless processing unit 1565, A detailed description thereof will be made with reference to FIG.

According to the method shown in FIG. 15, the interface output unit 1530 outputs a PIN charge interface for inputting / selecting the principal charge processing information, in addition to outputting the PIN authentication interface as shown in FIG. It is preferable to further include a function of

According to the embodiment of the present invention, the interface output unit 1530 further has a function of outputting a voucher video call interface for connecting a communication channel with a wireless terminal of the voucher provider and connecting a video call with the voucher provider desirable.

Alternatively, the interface output unit 1530 may receive a voucher object image corresponding to the voucher object status (for example, a health status) to the voucher agency server 1275 through a camera (not shown) provided in the voucher target wireless terminal The voucher provider server 1275 may further include a function of outputting an image capturing interface for capturing an image of a voucher provider corresponding to a voucher provider providing voucher service, And transmitting the photographed voucher subject image or the voucher provider image to the voucher authority server 1275. [

Also, the professional generation unit 1550 encrypts the voucher target authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 1580 / memory unit 1560, and includes the encrypted voucher authentication information in the voucher confirmation response message It is desirable to further include a function.

According to the embodiment of the present invention, the professional generation unit 1550 determines whether the voucher target wireless terminal is valid, in addition to the unique information used as the voucher target authentication information among the unique information stored in the USIM 1580 / memory unit 1560 And a function of including second unique information for authentication in the voucher confirmation response message.

In addition, the transmitting unit 1555 connects a communication channel with the voucher server 1200 shown in FIG. 12, exchanges certificates with the voucher server 1200, generates a random number, And a function of connecting a secure communication channel by allocating a session key between the voucher target wireless terminal and the voucher server 1200 through an exchange and verification operation.

FIG. 16 is a diagram illustrating a functional configuration of a voucher target wireless terminal for a prepaid wireless voucher operation according to a fourth embodiment of the present invention.

FIG. 16 shows an embodiment of a method for interfacing with the prepaid wireless voucher operating system shown in FIG. 12 to the voucher target wireless terminal function configuration shown in FIG. 5, and FIG. A person skilled in the art will be able to refer and / or modify FIG. 16 to a wireless terminal connected to a wireless communication network of a wireless communication standard other than the voucher subject mobile phone, It is to be understood that the present invention is not limited to the above-described embodiment, and that various changes and modifications may be made without departing from the scope of the present invention.

16, the voucher target wireless terminal includes a control unit 1620 corresponding to the modem chip, a screen output unit 1600 corresponding to a LCD (Liquid Crystal Display), and a display unit 1600 corresponding to a microphone / speaker A sound processing unit 1605, a key input unit 1610 corresponding to the keypad, a radio processing unit 1650 corresponding to the antenna and various RF modules, a memory unit 1645 corresponding to the nonvolatile memory, A USIM reader 1655 for reading / writing information (or data) to / from the USIM 1665, and a USB module 1660 for reading / And a battery 1615. In order to use the voucher, the voucher provider can uniquely identify the voucher provider from the voucher provider medium corresponding to any one of IC card, MS card, RF card, RF device, RFID,(Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information allocated to the voucher provider.

16, the voucher target wireless terminal includes a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 1600, an interface for outputting a voucher interface for inputting / selecting voucher details, An authentication unit 1630 for authenticating a PIN input through the PIN authentication interface through the key input unit 1610; and an authentication unit 1630 for, when the PIN for use of the voucher is authenticated, A professional generator 1635 for generating a voucher clause including voucher target authentication information, voucher details and voucher provider unique identification information (or authentication information) stored in the voucher provider 1645, And a transfer unit 1640 for transferring the voucher special to the voucher server 1200 on the communication network.

The interface output unit 1625 outputs a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the screen output unit 1600. If the voucher subject is a visually impaired person, the interface output unit 1625 outputs voice data requesting to input a PIN for voucher use through the input PIN authentication interface.

After the PIN authentication interface is output, the authentication unit 1630 inputs PIN information for use of the voucher to the PIN authentication interface through the key input unit 1610, and when the PIN information is input, (Or verifies) the PIN authentication information stored in the memory unit 1645 with the input PIN information by providing the PIN information to the voucher authentication unit 1665 to perform the voucher authentication, For example.

If the PIN for authenticating the voucher is authenticated through the authentication unit 1630, the interface output unit 1625 outputs a voucher interface for inputting / selecting the voucher details including the voucher authority and the voucher type, The voucher interface preferably further comprises a user interface for reading the voucher provider unique identification information (or authentication information) from the voucher provider's medium.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

According to the embodiment shown in FIG. 16, in addition to outputting a PIN authentication interface or a voucher interface as shown in FIG. 5, the interface output unit 1625 may output the voucher interface And a function of outputting a copayment interface for inputting / selecting the copayment processing information including the copayment information to be paid and the payment means information of the person to be paid for the copayment.

According to an embodiment of the present invention, the interface output unit 1625 further includes a function of connecting a communication channel with a wireless terminal of the voucher provider and outputting a voucher video call interface for connecting a video call with the voucher provider desirable.

Alternatively, the interface output unit 1625 may transmit the voucher object image corresponding to the voucher object status (e.g., health status) to the voucher agency server 1275 through a camera (not shown) provided in the voucher target wireless terminal The voucher provider server 1275 may further include a function of outputting an image capturing interface for capturing an image of a voucher provider corresponding to voucher provider provision of the voucher provider, And transmitting the photographed voucher subject image or the voucher provider image to the voucher authority server 1275. [

When the voucher details are input, the professional creator 1635 generates the voucher details, the voucher details, and the voucher provider unique identification information (or authentication information) stored in the USIM 1665 / memory 1645, Information) included in the voucher.

According to the embodiment of the present invention, when the voucher authority unique identification information (or the authentication information) is stored in the USIM 1665 / memory unit 1645, the vocabulary generating unit 1635 generates the voucher object authentication information, It is preferable to generate a voucher specialization further including unique identification information (or authentication information).

If the media reader unit 1660 for reading the unique identification information (or the authentication information) of the voucher provider from the voucher provider medium is provided to the wireless terminal, the message creator 1635 transmits the voucher provider's unique identification information (Or authentication information) of the voucher provider that is read from the voucher provider medium through the voucher provider medium.

*

Alternatively, an interface for inputting the unique identification information (or the authentication information) of the voucher provider may be output to the screen output unit 1600 through the interface output unit 1625, or the interface for outputting the unique identification information of the voucher provider (Or authentication information) of the voucher provider. When the unique identification information (or the authentication information) of the voucher provider is inputted through the interface, the professional generation unit 1635 generates the voucher provider unique identification information (Or authentication information) is included in the voucher specialization.

In addition, the professional creator 1635 encrypts the voucher target authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 1665 / memory 1645, and includes the encrypted voucher authentication information in the voucher confirmation response message The encryption object may further include unique identification information (or authentication information) of the voucher provider.

According to the embodiment of the present invention, the professional generating unit 1635 generates the voucher target wireless terminal validity information in addition to the unique information used as the voucher target authentication information among the unique information stored in the USIM 1665 / memory unit 1645 And a function of including second unique information for authentication in the voucher confirmation response message.

The transmitting unit 1640 connects a communication channel to the voucher server 1200 shown in FIG. 12, exchanges a certificate with the voucher server 1200, generates a random number, and transmits a key value included in the certificate And a function of connecting a secure communication channel by assigning a session key between the voucher target wireless terminal and the voucher server 1200 through an exchange and verification operation.

When the voucher telegram is generated, the transmission unit 1640 connects a communication channel for transmitting the voucher telegram to the voucher server 1200 on the communication network through the wireless processor 1650, And transmits the created voucher special to the voucher server 1200.

FIG. 17 is a diagram showing a prepaid voucher processing process according to the first embodiment of the present invention.

In more detail, FIG. 17 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher target wireless terminal 1285 shown in FIG. 13 12 to the voucher server 1200 shown in FIG. 12, and the voucher processing shown in FIG. 7 is performed in accordance with the prepaid voucher processing linked with the wireless voucher operating system shown in FIG. This is a modified embodiment.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / or modifying Figure 17, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 17, when the voucher details are received (1700) from the voucher server 1200 shown in FIG. 12 through the process shown in FIG. 6 to the voucher target wireless terminal 1285 shown in FIG. 13, The voucher target wireless terminal 1285 drives the voucher module VM shown in FIG. 13 (1705), outputs the received voucher details to the screen or sounds (1710), and authenticates the voucher use When the PIN is input through the PIN authentication interface after outputting the PIN authentication interface for inputting the PIN, the PIN information is provided to the USIM provided in the voucher subject wireless terminal 1285 for PIN authentication for the voucher authentication Or compares (or verifies) the PIN authentication information stored in the memory unit with the input PIN information to process the PIN authentication for the voucher authentication (1715).

If the PIN is not authenticated (1720), the voucher subject wireless terminal 1285 outputs a voucher error message (1725) and ends the voucher process.

If the PIN is authenticated (1720), the voucher subject wireless terminal 1285 verifies the voucher subject authentication information stored in the USIM / memory, and transmits the voucher institution's unique identification information (or authentication information) (Or authentication information) of the voucher provider according to the verified voucher target authentication information and the verification method, and the authentication information and the voucher institution unique identification information (or authentication information) Authentication information) with the encryption key included in the USIM / memory unit (1730).

Also, the voucher subject wireless terminal 1285 outputs a copayment interface for inputting / selecting the copayment processing information, and transmits the copayment interface to the user who corresponds to any of the copayment processing methods shown in FIG. 12 through the copayment interface (1735), and input / selection of the copayment processing information may be omitted according to the method of operation.

Then, the voucher subject wireless terminal 1285 includes the voucher object authentication information, and the voucher institution unique identification information (or the authentication information), the unique identification information (or the authentication information) of the voucher provider, And generates a voucher acknowledgment telegram that further includes processing information (1740).

In addition, the voucher target wireless terminal 1285 may connect a secure communication channel with the voucher server 1200 in accordance with the secure communication channel connection method shown in FIGS. 12 and 13 (1745) The generated voucher confirmation response message is transmitted to the voucher server 1200 shown in FIG. 12 (1750).

18 is a diagram showing a prepaid type voucher processing process according to the second embodiment of the present invention.

In more detail, FIG. 18 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher target wireless terminal 1285 shown in FIG. 14 12 to the voucher server 1200 shown in FIG. 12, and the voucher processing shown in FIG. 8 is performed in accordance with the prepaid voucher processing linked with the wireless voucher operating system shown in FIG. This is a modified embodiment.

Those skilled in the art will appreciate that various modifications and variations of the method of the present invention will be apparent to those skilled in the art by reference to and / However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 18, when the voucher details are received (1800) from the voucher server 1200 shown in FIG. 12 through the process shown in FIG. 6 to the voucher target wireless terminal 1285 shown in FIG. 14, After outputting the received voucher history to the screen output or sound (1805), a PIN authentication interface for inputting a PIN for authenticating the use of the voucher is output, and if a PIN is input through the PIN authentication interface, (Or verification operation) between the PIN authentication information stored in the memory unit and the input PIN information by providing the PIN information with the USIM provided in the terminal 1285 and processing the PIN authentication for the voucher authentication, The PIN authentication for the voucher authentication is processed (1810).

If the PIN is not authenticated 1815, the voucher subject wireless terminal 1285 outputs a voucher error message 1820 and terminates the voucher processing.

If the PIN is authenticated 1815, the voucher subject wireless terminal 1285 drives the voucher module VM 1820 shown in FIG. 14, and correspondingly, the voucher subject wireless terminal 1285 transmits (Or authentication information) of the voucher provider or the voucher provider's unique identification information (or authentication information) according to the method of operation, The authentication information, the voucher institution unique identification information (or the authentication information), and the unique identification information (or the authentication information) of the voucher provider are encrypted with the encryption key provided in the USIM / memory unit 1830 according to the target authentication information and the execution method.

Also, the voucher subject wireless terminal 1285 outputs a copayment interface for inputting / selecting the copayment processing information, and transmits the copayment interface to the user who corresponds to any of the copayment processing methods shown in FIG. 12 through the copayment interface (1835), and input / selection of the copayment processing information may be omitted according to the method of operation.

Then, the voucher subject wireless terminal 1285 includes the voucher object authentication information, and the voucher institution unique identification information (or the authentication information), the unique identification information (or the authentication information) of the voucher provider, (1840) a voucher acknowledgment message that further includes processing information.

In addition, the voucher target wireless terminal 1285 may connect the secure communication channel with the voucher server 1200 in accordance with the secure communication channel connection method shown in FIGS. 12 and 14 (1845) The generated voucher confirmation response message is transmitted to the voucher server 1200 shown in FIG. 12 (1850).

19 is a diagram showing a prepaid type voucher processing process according to the third embodiment of the present invention.

In more detail, FIG. 19 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher target wireless terminal 1285 shown in FIG. 12 to the voucher server 1200 shown in FIG. 12, and the voucher processing shown in FIG. 9 is performed in accordance with the prepaid voucher processing linked with the wireless voucher operating system shown in FIG. This is a modified embodiment.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / or modifying Figure 19, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 19, when the voucher details are received (1900) from the voucher server 1200 shown in FIG. 12 through the process shown in FIG. 6 to the voucher target wireless terminal 1285 shown in FIG. 15, After outputting the received voucher details to the screen output or sound (1905), a PIN authentication interface for inputting a PIN for authenticating the use of the voucher is output, and when a PIN is input through the PIN authentication interface, (Or verification operation) between the PIN authentication information stored in the memory unit and the input PIN information by providing the PIN information with the USIM provided in the terminal 1285 and processing the PIN authentication for the voucher authentication, The PIN authentication for the voucher authentication is processed (1910).

If the PIN is not authenticated (1915), the voucher subject wireless terminal 1285 outputs a voucher error message (1920) and ends the voucher processing.

If the PIN is authenticated (1915), the voucher subject wireless terminal 1285 drives the voucher module VM shown in FIG. 15 (1920) and correspondingly the voucher subject wireless terminal 1285 transmits (Or authentication information) of the voucher provider or the voucher provider's unique identification information (or authentication information) according to the method of operation, The authentication information, the voucher institution unique identification information (or the authentication information), and the unique identification information (or the authentication information) of the voucher provider are encrypted with the encryption key included in the USIM / memory according to the authentication information and the authentication method.

Also, the voucher subject wireless terminal 1285 outputs a copayment interface for inputting / selecting the copayment processing information, and transmits the copayment interface to the user who corresponds to any of the copayment processing methods shown in FIG. 12 through the copayment interface (1935), and input / selection of the above-mentioned copayment processing information may be omitted according to the method of operation.

Then, the voucher subject wireless terminal 1285 includes the voucher object authentication information, and the voucher institution unique identification information (or the authentication information), the unique identification information (or the authentication information) of the voucher provider, And generates a voucher acknowledgment telegram that further includes processing information (1940).

In addition, the voucher target wireless terminal 1285 connects the secure communication channel with the voucher server 1200 in accordance with the secure communication channel connection method shown in FIGS. 12 and 15 (1945) The generated voucher confirmation response message is transmitted to the voucher server 1200 shown in FIG. 12 (1950).

20 is a diagram illustrating a prepaid voucher processing process according to a fourth embodiment of the present invention.

In more detail, in FIG. 20, the voucher subject wireless terminal 1285 shown in FIG. 16 inputs / selects the voucher details, generates a voucher confirmation response message including the voucher details and the voucher target authentication information, 10 to the voucher server 1200 shown in FIG. 10, and the voucher process shown in FIG. 10 is modified according to the prepaid voucher process in conjunction with the wireless voucher operating system shown in FIG. to be.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 20, the voucher subject wireless terminal 1285 shown in FIG. 16 outputs a PIN authentication interface for inputting a PIN for authenticating use of the voucher, and when a PIN is input through the PIN authentication interface, The voucher subject wireless terminal 1285 processes the PIN authentication for the voucher authentication by providing the PIN information with a USIM or compares the PIN authentication information stored in the memory with the input PIN information And processes the PIN authentication for the voucher authentication (2000).

If the PIN is not authenticated (2005), the voucher subject wireless terminal 1285 outputs a voucher error message (2010) and terminates the voucher process.

If the PIN is authenticated (2005), the voucher target wireless terminal 1285 outputs a voucher interface for inputting / selecting voucher details for use of the voucher, and inputs / selects voucher details through the voucher interface (2015).

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

If the voucher details are input / selected (2020), the voucher subject wireless terminal 1285 checks the voucher subject authentication information stored in the USIM / memory and transmits the voucher institution's unique identification information (Or authentication information) of the voucher provider, the unique identification information (or authentication information) of the voucher provider, the authentication information, the voucher institution unique identification information (or authentication information) Information (or authentication information) is encrypted with an encryption key provided in the USIM / memory unit (2025).

Also, the voucher subject wireless terminal 1285 outputs a copayment interface for inputting / selecting the copayment processing information, and transmits the copayment interface to the user who corresponds to any of the copayment processing methods shown in FIG. 12 through the copayment interface (2030), and input / selection of the copayment processing information may be omitted according to the method of operation.

Hereinafter, the voucher subject wireless terminal 1285 includes the voucher object authentication information and the input / selected voucher details, and the voucher institution unique identification information (or authentication information), the voucher provider's unique identification information Or authentication information) and the copayment processing information (2035).

In addition, the voucher target wireless terminal 1285 connects the secure communication channel with the voucher server 1200 in accordance with the secure communication channel connection method shown in FIGS. 12 and 16 (2040) The generated voucher advertisement is transmitted to the voucher server 1200 shown in FIG. 12 (2045).

FIG. 21 is a diagram illustrating a prepaid voucher approval process according to an embodiment of the present invention.

FIG. 21 illustrates a process of receiving a voucher confirmation response message (or a voucher message) from the voucher subject wireless terminal 1285 shown in FIGS. 13 to 16 and processing the prepaid voucher approval. Those skilled in the art will appreciate that various ways of practicing the voucher approval process (e.g., omitting some steps or changing the order) may be implemented by referring to and / However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 21, the voucher server 1200 shown in FIG. 12 includes the voucher target wireless terminal 1285 and the voucher target wireless terminal 1285 by a communication channel connection from the voucher target wireless terminal 1285 shown in FIGS. 13 to 16 A secure communication channel is connected 2100, a voucher confirmation response (or a voucher advertisement) transmitted through the process shown in FIGS. 17 to 20 is received 2105, and the received voucher confirmation response message (or voucher (2110) decrypts the encrypted information.

If the encrypted information is decoded 2115 in the voucher confirmation response message (or the voucher message), the voucher server 1200 confirms the authentication information for the voucher subject wireless terminal 1285, The validity of the voucher target wireless terminal 1285 is confirmed through authentication information 1285 (step 2120).

If the validity of the voucher subject wireless terminal 1285 is not confirmed 2125, the voucher server 1200 transmits validation error information to the voucher subject wireless terminal 1285 (2130).

If the validity of the voucher target wireless terminal 1285 is confirmed 2125, the voucher server 1200 tracks the location of the voucher target wireless terminal 1285 and the voucher provider wireless terminal, and the voucher target wireless terminal 1285 And compares the location of the voucher provider wireless terminal 1270 with the location of the voucher provider 1270 to check whether the voucher provider provides the voucher for providing the voucher service to the voucher subject 2135.

If the voucher provision validity is not confirmed 2140, the voucher server 1200 transmits validation error information to the voucher subject wireless terminal 1285 in step 2130.

If the validity of the voucher provided is not confirmed 2140, the voucher server 1200 approves the voucher using the voucher object authentication information (2145).

*

According to the embodiment of the present invention, the voucher server 1200 reads the voucher confirmation response (or the voucher advertisement), verifies the voucher target authentication information, and compares the voucher target authentication information stored in the voucher D / Or a verification operation) and processes approval of the voucher details.

If the voucher server 1200 further includes the unique identification information (or the authentication information) of the voucher institution in the voucher confirmation response message (or the voucher message), the voucher server 1200 transmits the unique identification information (or the authentication information) It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher institution stored in the voucher D / B to process approval of the voucher details.

Alternatively, if the voucher server 1200 further includes the unique identification information (or the authentication information) of the voucher provider (e.g., voucher provider), the voucher provider 1200 may store unique identification information (or authentication information) It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher provider stored in the voucher D / B to process approval of the voucher details.

If the voucher is not approved (2150), the voucher server 1200 transmits the unauthorized processed voucher approval to the voucher subject wireless terminal 1285 (2155).

On the other hand, if the voucher is approved (2150), the voucher server 1200 processes the copay for the approved voucher details (2160).

If the copayment is processed 2165, the voucher server 1200 provides the voucher details, the voucher subject information, and the result of processing the voucher processing to the voucher institution server 1275, The voucher subject information and the result information of the copayment processing are linked and stored in a storage medium 2170 and the voucher approval details including the remaining voucher information for the voucher subjected to the approval processing are transmitted to the voucher subject wireless terminal 1285 (2175).

FIG. 22 is a diagram illustrating a configuration of a post-pay type wireless voucher operating system according to an embodiment of the present invention.

More specifically, FIG. 22 is a flowchart illustrating a method for providing a voucher service to a voucher service provider in a voucher provider system according to an embodiment of the present invention. To cause the voucher provider to be dynamically determined and if the voucher confirmation response message is received and approved from the voucher subject wireless terminal 2285, the determined voucher provider is postponed to voucher amount corresponding to the voucher service It will be understood by those skilled in the art that reference to and / or modification of FIG. 22 may be applied to various implementations of the post-pay wireless voucher operating system configuration Omitted, or refined, or However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. Hereinafter, in FIG. 22, a detailed description of the same configuration as the functional configuration shown in FIG. 1 will be given with reference to FIG.

22, the postpaid wireless voucher operating system includes a voucher target wireless terminal 2285 and a voucher server 2200 that operates a postpaid wireless voucher based on the functional configuration shown in FIG. 1 And includes a voucher provider terminal 2270 (or a voucher provider server) and a voucher agency server 2275 (or a voucher institution terminal).

According to the present invention, the voucher server 2200 includes voucher information for issuing / paying the voucher object to the voucher institution, voucher subject information for issuing / receiving the voucher from the voucher institution, And a voucher D / B 2260 for storing the voucher object authentication information stored in the storage area of the voucher 2285 and the voucher institution information for issuing / providing the voucher to the voucher subject, D / B (2260).

The voucher subject information preferably includes personal information (e.g., name, resident registration number, address, etc.) of the voucher subject to issue / receive the voucher from the voucher institution and information of the voucher subject wireless terminal 2285 .

According to the embodiment of the present invention, the voucher target authentication information included in the voucher confirmation response message received from the voucher target wireless terminal 2285 is encrypted with the encryption key stored in the USIM (or memory) of the voucher target wireless terminal 2285 The voucher subject information may further include a decryption key for decrypting the encrypted voucher object authentication information.

*

According to the embodiment of the present invention, when verifying the validity of the wireless terminal of the voucher target, the voucher target person information includes a server side certificate for connecting a secure communication channel between the voucher target wireless terminal 2285 and the voucher server 2200 The USIM / memory unit of the voucher target wireless terminal 2285 may include a terminal side certificate to be exchanged with the voucher server 2200. In this case, The voucher server 2285 and the voucher server 2200 exchanges a random number and a certificate, encrypts the random number with the key value included in the certificate, To authenticate each other.

If the server-side certificate is integrated into all voucher subject wireless terminals 2285, the server-side certificate is preferably stored in a separate certificate D / B (not shown).

According to the method of the present invention, when verifying the validity of the wireless terminal of the voucher subject, the voucher subject information further includes the voucher subject wireless terminal 2285 authentication information for authenticating the validity of the voucher subject wireless terminal 2285 .

According to the method of the present invention, the voucher subject wireless terminal 2285 authentication information is transmitted to the voucher subject wireless terminal 2285 through the second voucher subject authentication information stored in the USIM / In this case, the voucher server 2200 receives the voucher subject wireless terminal 2285 authentication information from the voucher subject wireless terminal 2285 (or reads and confirms the communication session) (Or verification operation) with the voucher subject wireless terminal 2285 authentication information included in the voucher subject information to authenticate the validity of the voucher subject wireless terminal 2285.

The voucher target authentication information is preferably stored in the USIM / memory unit of the voucher target wireless terminal 2285 and includes information for authenticating that the wireless terminal user is a voucher target.

According to the embodiment of the present invention, the voucher target authentication information includes at least one unique information stored in a USIM (or memory) provided in the voucher target wireless terminal 2285, and the voucher target authentication information As shown in FIG.

According to the present invention, the voucher server 2200 includes a voucher provider D / B (not shown) for storing voucher provider information on one or more voucher providers capable of providing a voucher service to the voucher target .

Herein, the voucher provider information is information for identifying a voucher provider who provides the voucher goods / service of the requested type (or intangible) corresponding to the voucher to the voucher object, and the identification information uniquely assigned to the voucher provider Or authentication information), or when the voucher provider has a voucher provider medium corresponding to any one of an IC card, an MS card, an RF card, an RF device, an RFID, and a USB device, (Or authentication information) of a voucher provider medium corresponding to any one of information, device information, RFID information, and USB information.

22, the voucher server 2200 includes a voucher record including voucher information to be provided from a voucher provider from the voucher institution server 2275, and a voucher record to be transmitted to the voucher provider A history receiver 2205 that receives information of a corresponding voucher subject wireless terminal 2285 and voucher subject information that includes the received voucher details and voucher subject wireless terminal 2285 information and stores them in a storage medium 2265 And an information storage unit 2240 for storing information.

Here, the voucher details may include voucher information corresponding to a voucher issued / paid to the voucher target by the voucher institution, and may further include voucher institution information and voucher provider information.

22, the voucher server 2200 includes a history transmitting unit 2215 for transmitting the voucher details to the voucher subject wireless terminal 2285 corresponding to the voucher subject wireless terminal 2285 information. And when the voucher details and the voucher subject wireless terminal 2285 information are received, the voucher details received via the voucher D / B 2260 and the voucher subject wireless terminal 2285 are authenticated And a voucher authentication unit (2210).

Here, the voucher details may be provided in real time according to a voucher details request of the voucher target wireless terminal 2285 at the time when the voucher provider provides the voucher service to the voucher target person, or the voucher provider may provide voucher vouchers It is preferable to transmit the voucher to the voucher target wireless terminal 2285 in advance before providing the service.

22, the voucher server 2200 transmits a voucher confirmation response message to the voucher subject wireless terminal 2285 after transmitting the voucher details to the voucher subject wireless terminal 2285, And a security processing unit 2220 for connecting the voucher target wireless terminal 2285 with a secure communication channel when the voucher target wireless terminal 2285 is connected to the voucher target wireless terminal 2285.

When the communication channel is connected to the voucher subject wireless terminal 2285, the security processing unit 2220 exchanges a certificate with the voucher subject wireless terminal 2285, generates a random number, and transmits the key value included in the certificate And transmits the session key between the voucher subject wireless terminal 2285 and the voucher server 2200 by assigning a session key between the voucher subject wireless terminal 2285 and the voucher server 2200 through an encryption / A secure communication channel through which a communication packet is encrypted / decrypted is connected.

22, the voucher server 2200 may authenticate the validity of the voucher subject wireless terminal 2285 to which the communication channel is connected through the authentication information for the voucher subject wireless terminal 2285, And a validity checking unit 2230 that verifies the validity of providing the voucher for providing the voucher service to the voucher target by tracking the position of the voucher provider wireless terminal.

According to the embodiment of the present invention, the voucher subject wireless terminal 2285 authentication information is transmitted to the voucher subject wireless terminal 2285 from the unique information stored in the USIM / memory of the voucher subject wireless terminal 2285, , The validity checking unit 2230 checks the voucher subject wireless terminal 2285 authentication information from the communication session information corresponding to the communication channel and transmits the voucher subject information stored in the voucher D / (Or verification operation) with the included voucher subject wireless terminal 2285 authentication information to authenticate the validity of the voucher subject wireless terminal 2285 or receive the voucher subject wireless terminal 2285 authentication information from the voucher subject wireless terminal 2285 , The authentication information of the voucher target wireless terminal 2285 included in the voucher confirmation response message The voucher information stored in the person group voucher D / B (2260) Comparative (or verify operation) and the voucher authenticates the subject wireless terminal (2285) Validation.

Also, after the voucher confirmation response message (or the voucher message) is received from the voucher subject wireless terminal 2285, the validation confirmation unit 2230 transmits the voucher subject wireless terminal 2285 information and the voucher information (E.g., terrestrial-based location tracking or GPS-based location tracking) to locate the voucher subject wireless terminal 2285 and the voucher provider wireless terminal location information, and the voucher subject wireless terminal 2285 ) Position information with the voucher provider's wireless terminal location information and transmits the voucher provider's wireless terminal 2285 and the voucher provider's wireless terminal to the same location By determining whether or not the voucher provider is present at a predetermined position within a predetermined range, And verifies the validity of providing the voucher service to the target person.

22, the voucher server 2200 may include voucher target authentication information provided in the voucher target wireless terminal 2285 storage area from the voucher target wireless terminal 2285 and voucher authentication information provided in the voucher target wireless terminal 2285 (2225) for receiving a voucher acknowledgment message including unique identification information (or authentication information) of the voucher provider corresponding to the voucher recipient; And an information storage unit 2240 for storing the approved voucher details with the voucher subject information and voucher provider information and storing the voucher subject information and the voucher provider information in the storage medium 2265 when the voucher is approved And the unique identification information (or authentication information) of the voucher provider is transmitted to the voucher target wireless terminal 2285 To enter or is leading from the provider voucher medium is preferred. If the voucher recipient has to pay a certain amount of the copayment to receive the voucher service from the voucher provider, the voucher confirmation response message may further include the copayment processing information for paying the copayment amount Do.

If the voucher subject wireless terminal 2285 has a function of inputting voucher details or a function of selecting a preset voucher details, the videographer 2225 receives the voucher details from the voucher subject wireless terminal 2285 (Or authentication information) of the voucher provider authentication information and the voucher provider's unique identification information (or authentication information). In this case, the voucher telegram can be input / selected (or automatically) from the voucher subject wireless terminal 2285 (Or authentication information) of the voucher organs of the voucher institution. If the voucher subject has to pay a certain amount of the copayment to receive the voucher service from the voucher provider, the voucher specialist may further include the copayment processing information for paying the copayment.

According to one embodiment of the present invention, the copayment processing information includes the coin-to-be-paid information and the voucher subject payment means information extracted from the USIM / memory unit of the voucher subject wireless terminal 2285 (for example, The prepaid card information, the account information, and the like), and in this case, the payment is approved through the payment server 2280 corresponding to the payment means, It is borne by the voucher target.

According to another embodiment of the present invention, when the principal charge is charged to the communication fee of the voucher target wireless terminal 2285, the principal charge information is transmitted to the predetermined voucher server (not shown) When the co-payment amount is a predetermined fixed amount, if the co-payment information is omitted from the co-payment information, and if the voucher approval is replaced with a phone approval, the co- The authentication number may be omitted from the processing information.

According to another embodiment of the present invention, when the voucher subject deposits a predetermined copayment deposit to the voucher institution or the voucher provider, the copayment information may include only the copayment information, or the copayment information may include only the copayment information It can be omitted if it is set fixed amount.

If the voucher target authentication information included in the voucher confirmation response message (or the voucher message) is encrypted and received according to the embodiment of the present invention, the videorecord receiver 2225 receives the voucher information stored in the voucher D / B 2260 It is preferable to confirm the decryption key included in the subject information and decrypt the voucher object authentication information through the decryption key.

When the voucher confirmation response (or the voucher advertisement) is received, the voucher approval unit 2235 reads the voucher confirmation response (or the voucher advertisement) to check the voucher destination authentication information, and the voucher D / B 2260 (Or verification operation) with the voucher object authentication information stored in the voucher object authentication information (or verification operation), the voucher provider corresponding to the voucher provider unique identification information (or unique information) included in the voucher confirmation response specialist Is provided to the user.

If the voucher approval message (or the voucher text) further includes the voucher institution's unique identification information (or the authentication information), the voucher approval unit 2235 transmits the voucher institution's unique identification information (or authentication information) (Or verification calculation) of the voucher institution's unique identification information (or authentication information) stored in the voucher D / B 2260 to determine voucher provider unique identification information (or voucher provider unique ID information) included in the voucher confirmation response Information) of the voucher provider provides the voucher service to the voucher subject.

Alternatively, when the voucher acceptance unit 2235 further includes the voucher confirmation response (or voucher special) unique identifier information (or authentication information) of the voucher provider, the voucher approval unit 2235 acquires the unique identification information (or authentication information) (Or verification operation) of the voucher provider's unique identification information (or authentication information) stored in the voucher D / B 2260 to determine voucher provider unique identification information (or voucher provider unique ID information) included in the voucher confirmation response And the voucher provider corresponding to the voucher provider provides the voucher service to the voucher recipient.

If the voucher is approved by the voucher approval unit 2235, the information storage unit 2240 stores the voucher details of the approval process in connection with the voucher subject information and the voucher provider information and stores the voucher subject information in the storage medium 2265 .

Referring to FIG. 22, the voucher server 2200 includes an information transmitter 2245 transmitting the voucher approval details to the voucher target wireless terminal, or transmitting remaining voucher information according to the voucher approval to the voucher target wireless terminal The information transferring unit 2245 receives the remaining voucher information (for example, the remaining voucher amount or the remaining voucher use number) included in the voucher information of the voucher subject from the voucher D / B 2260, And transmits the remaining voucher information to the voucher subject wireless terminal.

Referring to FIG. 22, the voucher server 2200 transmits a voucher service to the voucher target corresponding to the voucher provider unique identification information (unique information) included in the voucher confirmation response message (or voucher message) The voucher processing unit 2250 processes the voucher details stored in the storage medium 2265 and the voucher subject information 2250. The voucher processing unit 2250 processes the voucher details stored in the storage medium 2265, And transmits the voucher provider information to the voucher institution server 2275.

Referring to FIG. 22, when the voucher server 2200 has to pay a certain amount of the copayment to receive the voucher service from the voucher provider, the voucher server 2200 may receive the voucher, (2255) for processing the payment of the copayment to be provided to the provider. When the copayment is processed, the information storage unit (2240) stores the result of the copayment processing in the voucher record It is preferable that the voucher processing unit 2250 stores the voucher processing result information in the storage medium 2265 in connection with the voucher institution information 2275 or voucher provider information, .

In accordance with an embodiment of the present invention, in order to pay the copayment, the copayment information is extracted from the voucher confirmation response message (or the voucher message) and the USIM / memory portion of the voucher subject wireless terminal 2285, (Such as credit card information, check card information, debit card information, prepaid card information, account information, and the like), the copayment processing unit 2255 transmits the copayment processing information including the voucher subject payment means information The settlement request message including the payment information, the voucher subject payment means information, and the voucher provider information set for payment of the principal payment are transmitted to the payment server corresponding to the payment means, and then the payment approval is confirmed, To be paid to the voucher provider.

Alternatively, the copayment processing unit 2255 may form a payment request message including the information on the principal payee, the voucher subject payment means information, and the voucher authority information set for the payment of the principal payment, to the payment server corresponding to the payment means And confirms the payment approval, so that the copayment is paid to the voucher provider via the voucher institution.

According to another embodiment of the present invention, when the co-payment is charged to the communication fee of the wireless terminal 2285, the co-payment processor 2255 transmits the co- By processing the information of the copayment included in the voucher confirmation response (or voucher specialist) (or the included copayment information including the predetermined fixed amount) and the voucher subject wireless terminal 2285 information to be transmitted to the communication company server of the voucher subject, So that the copayment is paid to the voucher provider (or confirmed payment of the pre-deposited copayment).

According to another embodiment of the present invention, when the voucher obligation deposits a predetermined obligation to the voucher institution or the voucher provider in order to bear the obligation, the obligation processing unit 2255 requests the voucher approval (Or the copayment information including the predetermined fixed amount) included in the voucher confirmation response (or the voucher specialization) and the voucher subject information to the voucher institution or the voucher provider in which the copayment deposit is deposited , And the above-mentioned copayment is paid to the voucher provider (or confirmed payment of the pre-deposited copayment).

The voucher institution server 2275 that receives the voucher details, the voucher subject information, and the voucher provider information that has been subjected to the approval processing and further receives the information on the result of the processing of the copayments processed by the copayment processing unit 2255, Withdraws the voucher amount corresponding to the voucher details from the voucher fund corresponding to the voucher service, and processes the withdrawal to the account of the voucher provider.

If the voucher amount corresponding to the voucher details is included in the voucher amount, the voucher institution server 2275 withdraws the amount less the voucher amount from the voucher amount corresponding to the voucher service, Payment is made to the account of the voucher provider, and the above-mentioned copayment is paid to the voucher provider through a separate copayment settlement process.

FIG. 23 is a diagram showing a functional configuration of a voucher target wireless terminal 2285 for postpaid wireless voucher operation according to the first embodiment of the present invention.

FIG. 23 shows an embodiment of the present invention having a function of interfacing with the post-paid wireless voucher operating system shown in FIG. 22 to the functional configuration of the voucher target wireless terminal 2285 shown in FIG. 2, Those skilled in the art will appreciate that a wireless terminal connected to a wireless communication network of a wireless communication standard other than the voucher target mobile phone may have a function for using the voucher by referring to and / The present invention can be applied to a method of configuring a wireless terminal function, and the present invention includes all of the above-described embodiments, and the technical features thereof are not limited only by the method shown in FIG.

23, the voucher target wireless terminal 2285 includes a control unit 2320 corresponding to the modem chip, a screen output unit 2300 corresponding to an LCD (Liquid Crystal Display), a microphone / speaker A key input unit 2310 corresponding to a keypad, a radio processing unit 2365 corresponding to an antenna and various RF modules, a memory unit 2360 corresponding to a nonvolatile memory, A USIM 2380 (Universal Subscriber Identity Module) corresponding to an IC (Integrated Circuit) chip for storing subscriber identification information, a USIM reader 2370 for reading / writing information (or data) to the USIM 2380, And a battery 2315 for supplying the voucher to the voucher provider. In order to use the voucher from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, the RF device, the RFID and the USB device, Unique to (Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information allocated to the voucher provider medium .

Referring to FIG. 23, the VM driving module of the voucher target wireless terminal 2285 includes a receiving unit 2325 for receiving a voucher corresponding to voucher usage from the voucher server 2200 on the communication network, And a VM driving unit 2330 for driving a voucher processing VM when the voucher details are received. The voucher module transmits the received voucher details to the screen output unit 2300 An interface 2340 for outputting a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the screen output unit 2300, An authentication unit 2345 for authenticating a PIN input to the PIN authentication interface through the key input unit 2310; and an authentication unit 2345 for authenticating the PIN stored in the USIM 2380 / memory unit 2360 And transmits the generated voucher confirmation response message to the voucher server 2200 on the communication network through the wireless processing unit 2365. The voucher acknowledgment message is transmitted from the voucher server 2200 to the voucher server 2200, (2355), and a detailed description thereof will be made with reference to FIG.

According to the method shown in FIG. 23, the interface output unit 2340 outputs a PIN charge interface for inputting / selecting the principal charge processing information It is preferable to further include a function of

According to an embodiment of the present invention, the interface output unit 2340 has a function of outputting a voucher video call interface connecting a communication channel with the voucher provider's wireless terminal 2270 and connecting the video call with the voucher provider .

Alternatively, the interface output unit 2340 may transmit the voucher information to the voucher authority server 2275 via a camera (not shown) provided in the voucher subject wireless terminal 2285, The transmitting unit 2355 may further include a function of outputting an image capturing interface for capturing an image of a voucher subject image or a voucher provider image corresponding to voucher provider provision of the voucher provider, Channel and transmits the photographed voucher subject image or the voucher provider image to the voucher institution server 2275. [

Also, the professional creator 2350 encrypts the voucher object authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 2380 / memory 2360, and includes the voucher object authentication information in the voucher confirmation response message It is desirable to further include a function.

According to the embodiment of the present invention, the specialty generator 2350 may generate unique information to be used as the voucher target authentication information among the unique information stored in the USIM 2380 / memory 2360, ) The second unique information for authenticating the validity in the voucher confirmation response message.

In addition, the transmitting unit 2355 connects a communication channel with the voucher server 2200 shown in FIG. 22, exchanges a certificate with the voucher server 2200, generates a random number, And a function of encrypting the encrypted voucher to the voucher subject wireless device 2285 via a key value, and assigning a session key between the voucher target wireless terminal 2285 and the voucher server 2200 through an exchange and verification operation.

24 is a functional block diagram of a voucher target wireless terminal 2285 for postpaid wireless voucher operation according to the second embodiment of the present invention.

24 illustrates an embodiment of the present invention having a function of interfacing with the post-pay wireless voucher operating system shown in FIG. 22 to the functional configuration of the voucher target wireless terminal 2285 shown in FIG. 3, The person skilled in the art will be able to refer to and / or modify the FIG. 24 to make the wireless terminal connected to the wireless communication network of the wireless communication standard other than the voucher subject mobile phone have the function for using the voucher It is possible to deduce an implementation method for a wireless terminal function configuration. The present invention includes all of the above-described embodiments, and the technical features thereof are not limited only by the implementation method shown in FIG.

24, the voucher target wireless terminal 2285 includes a control unit 2420 corresponding to the modem chip, a screen output unit 2400 corresponding to a LCD (Liquid Crystal Display), a microphone / speaker A key input unit 2410 corresponding to the keypad, a radio processing unit 2465 corresponding to the antenna and various RF modules, a memory unit 2460 corresponding to the nonvolatile memory, A USIM 2480 (Universal Subscriber Identity Module) corresponding to an IC (Integrated Circuit) chip for storing subscriber identification information, a USIM reader 2470 for reading / writing information (or data) to the USIM 2480, And a battery 2415 for supplying the voucher to the voucher provider 2420. The voucher provider 2415 may be provided with a battery 2415 for supplying the voucher to the voucher provider from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, Unique to (Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information allocated to the voucher provider medium .

24, the VM driving module of the voucher target wireless terminal 2285 includes a receiving unit 2425 that receives voucher details corresponding to the voucher use from the voucher server 2200 on the communication network, An output unit 2430 for outputting through the screen output unit 2400 or the sound processing unit 2405 and an interface for outputting a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 2400 An authentication unit 2440 for authenticating a PIN input through the PIN authentication interface through the key input unit 2410; and a voucher processing virtual machine (VM) 2440 when the PIN for use of the voucher is authenticated. And a VM driver 2445 for driving the voucher authentication information stored in the memory 2460. The voucher module 2440 includes a voucher authentication module 2440 for storing voucher authentication information stored in the USIM 2480 / And a transmission unit 2455 for transmitting the generated voucher confirmation response message to the voucher server 2200 on the communication network through the radio processing unit 2465 And a detailed description thereof will be made with reference to FIG.

24, the interface output unit 2435 outputs a PIN charge interface for inputting / selecting the principal charge processing information, in addition to outputting the PIN authentication interface as shown in FIG. It is preferable to further include a function of

According to an embodiment of the present invention, the interface output unit 2435 has a function of outputting a voucher video call interface connecting a communication channel with the voucher provider's wireless terminal 2270 and connecting the video call with the voucher provider .

Alternatively, the interface output unit 2435 may transmit the voucher information to the voucher authority server 2275 via a camera (not shown) provided in the voucher subject wireless terminal 2285, The transmitting unit 2455 may further include a function of outputting an image capturing interface that captures an image of the voucher subject image or a voucher provider image corresponding to the voucher provider provision of the voucher provider, Channel and transmits the photographed voucher subject image or the voucher provider image to the voucher institution server 2275. [

Also, the professional creator 2450 encrypts the voucher target authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 2480 / memory 2460, and includes the voucher target authentication information in the voucher confirmation response message It is desirable to further include a function.

According to the embodiment of the present invention, the specialist generation unit 2450 generates unique information to be used as the voucher target authentication information among the unique information stored in the USIM 2480 / memory unit 2460, ) The second unique information for authenticating the validity in the voucher confirmation response message.

The transmitting unit 2455 connects a communication channel to the voucher server 2200 shown in FIG. 22, exchanges a certificate with the voucher server 2200, generates a random number, And a function of connecting a secure communication channel by assigning a session key between the voucher subject wireless terminal 2285 and the voucher server 2200 through an exchange and verification operation.

FIG. 25 is a diagram showing a functional configuration of a voucher target wireless terminal 2285 for postpaid wireless voucher operation according to the third embodiment of the present invention.

More specifically, FIG. 25 illustrates an embodiment of a functional configuration of the voucher subject wireless terminal 2285 shown in FIG. 4, having a function of interworking with the postpaid wireless voucher operating system shown in FIG. 22, Those skilled in the art will be able to refer to and / or modify the FIG. 25 to provide a function for using the voucher to a wireless terminal connected to a wireless communication network of a wireless communication standard other than the voucher target mobile phone It is possible to deduce an implementation method for a wireless terminal function configuration. The present invention includes all of the above-described embodiments, and the technical features thereof are not limited by the implementation method shown in FIG.

25, the voucher target wireless terminal 2285 includes a control unit 2520 corresponding to the modem chip, a screen output unit 2500 corresponding to a LCD (Liquid Crystal Display), a microphone / speaker A key input unit 2510 corresponding to the keypad, a radio processing unit 2565 corresponding to the antenna and various RF modules, a memory unit 2560 corresponding to the nonvolatile memory, A USIM 2580 (Universal Subscriber Identity Module) corresponding to an IC (Integrated Circuit) chip for storing general purpose subscriber identification information, a USIM reader 2570 for reading / writing information (or data) to the USIM 2580, And a battery 2515 for supplying power from the voucher provider medium to a voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, the RF device, the RFID, and the USB device for use of the voucher. Unique to the provider It characterized by comprising the further medium reader unit (2575) for reading the ID information (or authentication information) of the voucher provider medium corresponding to any one of the allocated card information, device information, RFID information, USB information.

25, the VM driving module of the voucher target wireless terminal 2285 includes a receiving unit 2525 that receives a voucher corresponding to voucher usage from the voucher server 2200 on the communication network, An interface output unit 2530 for outputting a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the key input unit 2510 and an authentication unit 2535 for authenticating a PIN input through the PIN authentication interface And a VM driving unit 2540 for driving a voucher processing VM when the PIN for using the voucher is authentic. The voucher module may further include a voucher module, And the voucher authentication information stored in the USIM 2580 / memory unit 2560 and the voucher verification information including the voucher authentication information stored in the USIM 2580 / And a transmission unit 2555 for transmitting the generated voucher confirmation response message to the voucher server 2200 on the communication network through the wireless processing unit 2565 And a detailed description thereof will be made with reference to FIG.

25, the interface output unit 2530 outputs a PIN charge interface for inputting / selecting the principal charge processing information, in addition to outputting the PIN authentication interface, as shown in FIG. 4. Referring to FIG. It is preferable to further include a function of

According to the embodiment of the present invention, the interface output unit 2530 has a function of connecting a communication channel with the wireless terminal 2270 of the voucher provider and outputting a voucher video call interface for connecting a video call with the voucher provider .

Alternatively, the interface output unit 2530 may transmit the voucher information to the voucher authority server 2275 via a camera (not shown) provided in the voucher subject wireless terminal 2285, The transmitting unit 2555 may further include a function of outputting an image capturing interface for capturing an image of the voucher subject image or a voucher provider image corresponding to the voucher provider provision of the voucher provider, Channel and transmits the photographed voucher subject image or the voucher provider image to the voucher institution server 2275. [

Also, the professional generation unit 2550 encrypts the voucher target authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 2580 / memory unit 2560, and includes the voucher target authentication information in the voucher confirmation response message It is desirable to further include a function.

According to the embodiment of the present invention, the professional generation unit 2550 generates unique information to be used as the voucher target authentication information among the unique information stored in the USIM 2580 / memory unit 2560, ) The second unique information for authenticating the validity in the voucher confirmation response message.

Also, the transmitting unit 2555 connects a communication channel with the voucher server 2200 shown in FIG. 22, exchanges a certificate with the voucher server 2200, generates a random number, And a function of connecting a secure communication channel by assigning a session key between the voucher subject wireless terminal 2285 and the voucher server 2200 through an exchange and verification operation.

FIG. 26 is a diagram showing a functional configuration of a voucher target wireless terminal 2285 for postpaid wireless voucher operation according to the fourth embodiment of the present invention.

26 shows an embodiment of the present invention having a function of interworking with the post-paid wireless voucher operating system shown in FIG. 22 in the functional configuration of the voucher subject wireless terminal 2285 shown in FIG. 5, Those skilled in the art will appreciate that those skilled in the art will appreciate that those skilled in the art will appreciate that various modifications and changes may be made without departing from the spirit and scope of the invention as set forth in the appended claims. It is possible to deduce an implementation method for a wireless terminal function configuration. The present invention includes all of the above-described embodiments, and the technical features thereof are not limited by the implementation method shown in FIG.

26, the voucher target wireless terminal 2285 includes a control unit 2620 corresponding to the modem chip, a screen output unit 2600 corresponding to an LCD (Liquid Crystal Display), a microphone / speaker A key input unit 2610 corresponding to the keypad, a radio processing unit 2650 corresponding to the antenna and various RF modules, a memory unit 2645 corresponding to the nonvolatile memory, A USIM 2675 (Universal Subscriber Identity Module) corresponding to an IC (Integrated Circuit) chip for storing subscriber identification information, a USIM reader 2655 for reading / writing information (or data) to the USIM 2675, And a battery 2615 for supplying the voucher to the voucher provider. In order to use the voucher, the voucher provider 2615 may receive, from the voucher provider medium corresponding to any one of the IC card, the MS card, the RF card, Unique to (Or authentication information) of the voucher provider medium corresponding to any one of the card information, the device information, the RFID information, and the USB information allocated to the voucher provider medium .

Referring to FIG. 26, the voucher subject wireless terminal 2285 includes a PIN authentication interface for inputting a PIN for authenticating the use of the voucher through the screen output unit 2600, a voucher interface for inputting / selecting voucher details, An authentication unit 2630 for authenticating a PIN entered through the PIN authentication interface through the key input unit 2610; and a PIN for use of the voucher, the USIM 2675 (2645) for generating a voucher message including the voucher object authentication information, the voucher details and the voucher provider unique identification information (or the authentication information) stored in the memory unit 2645, And a transmission unit 2640 for transmitting the generated voucher message to the voucher server 2200 on the communication network.

The interface output unit 2625 outputs a PIN authentication interface for inputting a PIN for authenticating use of the voucher through the screen output unit 2600. If the voucher subject is a visually impaired person, the interface output unit 2625 outputs voice data requesting to input a PIN for voucher use through the PIN authentication interface.

After the PIN authentication interface is output, the authentication unit 2630 processes PIN information for use of the voucher using the PIN authentication interface through the key input unit 2610. When the PIN information is input, (Or verifies) the PIN authentication information stored in the memory 2645 and the PIN information by providing the PIN information to the voucher authentication unit 2675 to process the voucher authentication for the voucher authentication, For example.

If the PIN for authenticating the voucher is authenticated through the authentication unit 2630, the interface output unit 2625 outputs a voucher interface for inputting / selecting a voucher type and a voucher type, The voucher interface preferably further comprises a user interface for reading the voucher provider unique identification information (or authentication information) from the voucher provider's medium.

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

26, in addition to outputting the PIN authentication interface or the voucher interface as shown in FIG. 5, the interface output unit 2625 may output the voucher interface And a function of outputting a copayment interface for inputting / selecting the copayment processing information including the copayment information to be paid and the payment means information of the person to be paid for the copayment.

According to an embodiment of the present invention, the interface output unit 2625 has a function of connecting a communication channel with the wireless terminal 2270 of the voucher provider and outputting a voucher video call interface for connecting a video call with the voucher provider .

Alternatively, the interface output unit 2625 may transmit the voucher information to the voucher authority server 2275 via a camera (not shown) provided in the voucher subject wireless terminal 2285, The transmitting unit 2640 may further include a function of outputting an image photographing interface for photographing a voucher subject image or a voucher provider image corresponding to voucher provider provision of the voucher provider, Channel and transmits the photographed voucher subject image or the voucher provider image to the voucher institution server 2275. [

When the voucher details are input, the professional generation unit 2635 generates the voucher subject authentication information stored in the USIM 2675 / memory unit 2645, the voucher details and the voucher provider unique identification information Information) included in the voucher.

According to the embodiment of the present invention, when voucher trait identification information (or authentication information) is stored in the USIM 2675 / memory 2645, the vocabulary generating unit 2635 generates the voucher subject authentication information and the voucher It is preferable to generate a voucher specialization further including institution specific identification information (or authentication information).

If the media reader unit 2670 is provided to read the unique identification information (or authentication information) of the voucher provider from the voucher provider medium, the message creator 2635 transmits the voucher provider's unique identification information (Or authentication information) of the voucher provider that is read from the voucher provider medium through the voucher provider medium.

Alternatively, an interface for inputting the unique identification information (or the authentication information) of the voucher provider may be output to the screen output unit 2600 through the interface output unit 2625, or the interface for outputting the unique identification information of the voucher provider (Or authentication information) of the voucher provider. When the unique identification information (or the authentication information) of the voucher provider is inputted through the interface, the professional generation unit 2635 generates the voucher provider unique identification information (Or authentication information) is included in the voucher specialization.

In addition, the professional creator 2635 encrypts the voucher object authentication information included in the voucher confirmation response message through the encryption key stored in the USIM 2675 / memory 2645 and includes the voucher object authentication information in the voucher confirmation response message The encryption object may further include unique identification information (or authentication information) of the voucher provider.

According to the embodiment of the present invention, the specialty generator 2635 may generate unique information to be used as the voucher target authentication information among the unique information stored in the USIM 2675 / memory 2645, ) The second unique information for authenticating the validity in the voucher confirmation response message.

The transmitting unit 2640 connects a communication channel with the voucher server 2200 shown in FIG. 22, exchanges a certificate with the voucher server 2200, generates a random number, and transmits a key value included in the certificate And a function of connecting a secure communication channel by allocating a session key between the voucher subject wireless terminal 2285 and the voucher server 2200 through an exchange and verification operation.

When the voucher telegram is generated, the transmitting unit 2640 connects a communication channel for transmitting the voucher telegram to the voucher server 2200 on the communication network through the wireless processor 2650, And transmits the created voucher special to the voucher server 2200. [

FIG. 27 is a diagram showing a post-pay voucher processing process according to the first embodiment of the present invention.

In more detail, FIG. 27 illustrates a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher target wireless terminal shown in FIG. 23, 22 to the voucher server shown in FIG. 7, and the voucher process shown in FIG. 7 is modified according to the post-paid voucher process in conjunction with the wireless voucher operating system shown in FIG.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / or modifying Figure 27, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 27, when the voucher details are received (2700) from the voucher server shown in FIG. 22 to the voucher target wireless terminal shown in FIG. 23 through the process shown in FIG. 6, the voucher target wireless terminal The voucher module VM shown in FIG. 23 is driven (2705), and the received voucher details are outputted as the screen output or sound (2710), and a PIN authentication interface for inputting a PIN for authenticating the use of the voucher is output If the PIN is input through the PIN authentication interface, the PIN information is provided by the USIM provided in the voucher target wireless terminal to process the PIN authentication for the voucher authentication, or the PIN authentication information stored in the memory unit (Or verification operation) with the input PIN information to process the PIN authentication for the voucher authentication (2715).

If the PIN is not authenticated (2720), the voucher subject wireless terminal outputs a voucher error message (2725) and ends the voucher process.

On the other hand, if the PIN is authenticated (2720), the voucher subject wireless terminal checks voucher subject authentication information stored in the USIM / memory and further inputs / reads unique identification information (or authentication information) of the voucher provider, (Or authentication information) of the voucher provider according to the verified voucher target authentication information and the verification method according to the verification information of the voucher provider, (Or authentication information) with the encryption key included in the USIM / memory unit (2730).

Also, the wireless terminal of the voucher subject outputs the copayment interface for inputting / selecting the copayment processing information, and transmits the copayment processing information corresponding to any of the copayment processing methods shown in FIG. 22 through the copayment interface (2735), and input / selection of the copayment processing information may be omitted according to the method of operation.

Hereinafter, the voucher subject wireless terminal includes the voucher object authentication information and the voucher provider's unique identification information (or authentication information), and the voucher institution unique identification information (or the authentication information) and the copayment processing information (2740). ≪ / RTI >

In addition, the wireless terminal of the voucher subject connects the voucher server to the secure communication channel through the secure communication channel connection method shown in FIG. 22 and FIG. 23 (2745), and transmits the created voucher confirmation response message To the voucher server shown in FIG. 22 (2750).

FIG. 28 is a view showing a post-pay voucher processing process according to the second embodiment of the present invention.

In more detail, FIG. 28 is a flowchart illustrating a process of generating a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 in the voucher subject wireless terminal shown in FIG. 22, which is a modification of the voucher processing shown in FIG. 8 according to the post-paid voucher processing in conjunction with the wireless voucher operating system shown in FIG.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 28, when the voucher details are received (2800) from the voucher server shown in FIG. 22 to the voucher target wireless terminal shown in FIG. 24 through the process shown in FIG. 6, the received voucher details After outputting the screen output or sound (2805), a PIN authentication interface for inputting a PIN for authenticating the use of the voucher is output, and when a PIN is inputted through the PIN authentication interface, a USIM The PIN authentication for the voucher authentication is performed by processing the PIN authentication for the voucher authentication by providing the PIN information or comparing (or verifying) the PIN authentication information stored in the memory and the inputted PIN information (2810).

If the PIN is not authenticated (2815), the voucher subject wireless terminal outputs a voucher error message (2820) and ends the voucher process.

On the other hand, if the PIN is authenticated (2815), the voucher target wireless terminal drives (2820) the voucher module VM shown in FIG. 24, and correspondingly the voucher subject wireless terminal is stored in the USIM / (Or authentication information) of the voucher provider, further confirms the voucher institution unique identification information (or the authentication information) according to the method of operation, and further verifies the voucher institution identification information The authentication information, the voucher institution unique identification information (or authentication information), and the voucher provider's unique identification information (or authentication information) are encrypted (2830) using the encryption key provided in the USIM / memory unit according to the authentication information and the method.

Also, the wireless terminal of the voucher subject outputs the copayment interface for inputting / selecting the copayment processing information, and transmits the copayment processing information corresponding to any of the copayment processing methods shown in FIG. 22 through the copayment interface (2835), and input / selection of the copayment processing information may be omitted according to the method of operation.

Hereinafter, the voucher subject wireless terminal includes the voucher object authentication information and the voucher provider's unique identification information (or authentication information), and the voucher institution unique identification information (or the authentication information) and the copayment processing information (2840). ≪ / RTI >

In addition, the wireless terminal of the voucher subject connects to the secure communication channel with the voucher server in the secure communication channel connection method shown in FIG. 22 and FIG. 24 (2845), and transmits the generated voucher confirmation response message To the voucher server shown in FIG. 22 (2850).

FIG. 29 is a diagram illustrating a post-pay voucher processing process according to the third embodiment of the present invention.

In more detail, FIG. 29 shows a voucher confirmation response message including voucher target authentication information based on the voucher details received through the process shown in FIG. 6 at the voucher subject wireless terminal shown in FIG. 25, 22 to the voucher server shown in FIG. 9, and the voucher processing shown in FIG. 9 is modified according to the post-paid voucher processing in conjunction with the wireless voucher operating system shown in FIG.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / or modifying Figure 29, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 29, when the voucher details are received (2900) from the voucher server shown in FIG. 22 to the voucher target wireless terminal shown in FIG. 25 through the process shown in FIG. 6, If the PIN is input through the PIN authentication interface after outputting the screen output or the sound output (2905), a PIN authentication interface for inputting a PIN for authenticating the use of the voucher is output, and a USIM The PIN authentication for the voucher authentication is performed by processing the PIN authentication for the voucher authentication by providing the PIN information or comparing (or verifying) the PIN authentication information stored in the memory and the inputted PIN information (2910).

If the PIN is not authenticated (2915), the voucher subject wireless terminal outputs a voucher error message (2920) and ends the voucher process.

If the PIN is authenticated (2915), the voucher subject wireless terminal drives (2920) the voucher module VM shown in FIG. 25, and correspondingly the voucher subject wireless terminal is stored in the USIM / (Or authentication information) of the voucher provider, further confirms the voucher institution unique identification information (or the authentication information) according to the method of operation, and further verifies the voucher institution identification information The authentication information, the voucher institution unique identification information (or authentication information), and the voucher provider's unique identification information (or authentication information) are encrypted (2930) with the encryption key provided in the USIM / memory unit according to the authentication information and the execution method.

Also, the wireless terminal of the voucher subject outputs the copayment interface for inputting / selecting the copayment processing information, and transmits the copayment processing information corresponding to any of the copayment processing methods shown in FIG. 22 through the copayment interface (2935), and input / selection of the above-mentioned copayment processing information may be omitted according to the method of operation.

Hereinafter, the voucher subject wireless terminal includes the voucher object authentication information and the voucher provider's unique identification information (or authentication information), and the voucher institution unique identification information (or the authentication information) and the copayment processing information (2940). ≪ / RTI >

In addition, the wireless terminal of the voucher subject connects to the secure communication channel with the voucher server in the secure communication channel connection method shown in FIG. 22 and FIG. 25 (2945), and transmits the generated voucher confirmation response message To the voucher server shown in FIG. 22 (2950).

FIG. 30 is a diagram illustrating a post-pay voucher processing process according to a fourth embodiment of the present invention.

In more detail, FIG. 30 shows an example of a voucher response wireless terminal that inputs / selects voucher details in the voucher subject wireless terminal shown in FIG. 26, generates a voucher confirmation response message including the voucher details and voucher target authentication information, 10 to a voucher server, and is a modification of the voucher process shown in FIG. 10 according to a post-paid voucher process in conjunction with the wireless voucher operating system shown in FIG.

Those skilled in the art will appreciate that various ways of practicing the voucher process (e.g., omitting some steps or changing the order) may be implemented by referring to and / However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 30, the voucher target wireless terminal shown in FIG. 26 outputs a PIN authentication interface for inputting a PIN for authenticating the use of the voucher, and when a PIN is input through the PIN authentication interface, (Or verification operation) between the PIN authentication information stored in the memory unit and the input PIN information by providing the PIN information using a USIM provided in the terminal, (3000).

If the PIN is not authenticated (3005), the voucher subject wireless terminal outputs a voucher error message (3010), and ends the voucher process.

If the PIN is authenticated (3005), the voucher subject wireless terminal outputs a voucher interface for inputting / selecting voucher details for voucher use, and inputs / selects voucher details through the voucher interface (3015) .

Here, the voucher details include at least one of voucher information (e.g., a voucher name, a voucher identification code, a voucher target goods / service type, a voucher amount, and a voucher usage number) corresponding to a voucher issued / paid to the voucher subject , And further includes voucher authority information and voucher provider information.

If the voucher details are input / selected 3020, the voucher target wireless terminal checks the voucher target authentication information stored in the USIM / memory and inputs / reads unique identification information (or authentication information) of the voucher provider (Or authentication information) according to the verification method, the authentication information, the voucher institution unique identification information (or authentication information), the voucher provider identification information The unique identification information (or authentication information) is encrypted with the encryption key included in the USIM / memory unit (3025).

Also, the wireless terminal of the voucher subject outputs the copayment interface for inputting / selecting the copayment processing information, and transmits the copayment processing information corresponding to any of the copayment processing methods shown in FIG. 22 through the copayment interface (3030), and input / selection of the copayment processing information may be omitted according to the method of operation.

Hereinafter, the voucher subject wireless terminal includes the voucher object authentication information and the voucher provider's unique identification information (or authentication information), and the voucher institution unique identification information (or the authentication information) and the copayment processing information (3035). ≪ / RTI >

In addition, the wireless terminal of the voucher subject may connect a secure communication channel with the voucher server in the secure communication channel connection mode shown in FIG. 22 and FIG. 26 (3040), and transmit the generated voucher advertisement through the secure communication channel To the voucher server shown in FIG. 22 (3045).

FIG. 31 is a diagram illustrating a post-pay voucher approval process according to an embodiment of the present invention.

FIG. 31 shows a process of receiving a voucher confirmation response message (or a voucher message) from the voucher subject wireless terminal shown in FIGS. 23 to 26 and processing the postponed voucher approval. Those skilled in the art will be able to refer to and / or modify Figure 31 to infer various implementations of the voucher approval process (e.g., omitting some steps or changing the order) However, the present invention is not limited to the technical features of the present invention.

Referring to FIG. 31, the voucher server shown in FIG. 22 connects (3100) a secure communication channel to the voucher target wireless terminal by a communication channel connection from the voucher target wireless terminal shown in FIGS. 23 to 26, , Receives the voucher confirmation response message (or the voucher message) transmitted through the process shown in FIGS. 27 to 30 (3105), decrypts the encrypted information in the received voucher confirmation response message (or the voucher message) (3110).

If the encrypted information is decrypted in the voucher confirmation response message (or the voucher message) (3115), the voucher server verifies the authentication information for the voucher target wireless terminal, The validity of the subject wireless terminal is checked (3120).

If the voucher subject wireless terminal is not validated (3125), the voucher server transmits validity error information to the voucher subject wireless terminal (3130).

If the voucher target wireless terminal is validated (3125), the voucher server tracks the location of the voucher target wireless terminal and the voucher provider wireless terminal, compares the voucher target wireless terminal location with the voucher provider wireless terminal location, The voucher provider confirms the validity of providing the voucher for providing the voucher service to the voucher target (3135).

If the validity of the voucher is not confirmed (3140), the voucher server transmits validity error information to the voucher target wireless terminal (3130).

If the validity of the voucher is not confirmed (3140), the voucher server approves the voucher through the voucher object authentication information (3145).

According to the method of the present invention, the voucher server reads the voucher confirmation response (or the voucher telegram), verifies the voucher target authentication information, compares the voucher target authentication information stored in the voucher D / B with the voucher target authentication information And the approval of the voucher details is processed.

If the voucher server's unique identification information (or authentication information) is further included in the voucher confirmation response (or voucher), the voucher server transmits the unique identification information (or authentication information) of the voucher institution and the voucher D / It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher institution stored in B to process approval of the voucher details.

Alternatively, if the voucher server further includes the voucher provider's unique identification information (or authentication information), the voucher server transmits the voucher provider's unique identification information (or authentication information) and the voucher D It is preferable to compare (or verify) the unique identification information (or authentication information) of the voucher provider stored in / B to process approval of the voucher details.

If the voucher is not approved (3150), the voucher server transmits the unauthorized processed voucher approval to the voucher subject wireless terminal (3155).

On the other hand, if the voucher is approved (3150), the voucher server processes the copay for the approved voucher details (3160).

If the copayment is processed (3165), the voucher server provides the voucher details, voucher subject information, voucher provider information, and the result of processing the voucher processing to the voucher institution server, Information on the voucher provider, information on the voucher provider, and information on the result of processing the copayment are linked and stored in a storage medium (3170), and the voucher approval details including the voucher information on the voucher subjected to the approval process are transmitted to the voucher subject wireless terminal 3175).

FIG. 32 is a diagram illustrating a postpaid settlement process corresponding to postpaid voucher processing according to an embodiment of the present invention.

In more detail, FIG. 32 shows a case where, in the wireless voucher operating system shown in FIG. 22, the post-paid voucher is processed in connection with any one of the voucher target wireless terminals shown in FIGS. 23 to 26, A person skilled in the art will be able to refer to and / or modify the FIG. 32 to provide various ways of performing the post-pay settlement process (e.g., It is to be understood that the invention may be practiced otherwise than as described, but it is to be understood and appreciated that the invention is not limited to the particular embodiments set forth herein, No.

Referring to FIG. 32, when a post-paid voucher process is provided through the process shown in FIG. 31 to provide voucher details, voucher subject information, voucher provider information, The voucher institution server receives the voucher details, the voucher subject information, the voucher provider information, and the voucher processing result information from the voucher server (3200). The voucher institution server receives the voucher details and the voucher processing result from the voucher provider (3205).

According to the method of the present invention, if the amount of the copayment is 0, the amount to be paid back to the voucher provider is the voucher amount included in the voucher history, and if the amount of the copayment is not 0 yen, The amount is the amount of the voucher amount included in the voucher history minus the copayment amount.

If the voucher amount included in the voucher details is the amount already deducted from the voucher amount, the amount to be paid back to the voucher provider includes the voucher amount included in the voucher details as it is.

If the amount to be paid back to the voucher provider is confirmed 3210, the voucher institution server withdraws the confirmed payment amount from the voucher fund through the financial company server and pays the confirmed payment amount to the voucher provider 3215, Is paid to the voucher provider through a separate copayment settlement process.

100: voucher server 105: history receiver
110: voucher authentication unit 115:
120: professional reception unit 125: voucher approval unit
130: Information storage unit 135: Information transmission unit
140: Voucher processing unit 145: Voucher D / B
150: Voucher institution server 155: Voucher target wireless terminal
160: voucher provider terminal 165: voucher agency server

Claims (4)

A method of executing via a server and a program of a user wireless terminal having a media reader unit which is portable by a user who is provided with a service from a service provider and can interface with a noncontact medium,
A first step of storing a program of the user wireless terminal in a designated storage area of a memory unit of the user wireless terminal for storing authentication information for receiving a user identification of the user of the wireless terminal;
A second step of the program of the user wireless terminal verifying the unique authentication information of the noncontact medium read from the noncontact medium held by the service provider belonging to the service provider through the medium reader unit;
Wherein when the program of the user wireless terminal provides the server with the unique authentication information of the read noncontact medium and the object authentication information stored in the designated storage area of the memory unit, the server transmits the unique authentication information of the noncontact medium and the object authentication information A third step of receiving;
A fourth step of allowing the server to approve that the service is provided through a program of a user wireless terminal possessed by the user corresponding to the object authentication information through a service provider of the service provider corresponding to the unique authentication information of the noncontact medium; And
And a fifth step of receiving the approval details of the user wireless terminal and outputting the approval details if the server provides approval details approved for providing the service.
The method according to claim 1,
The second step further includes checking the location information of the user wireless terminal obtained through the GPS chip of the user wireless terminal at a time point when the program of the user wireless terminal reads the unique authentication information of the noncontact medium and,
The third step may further include the step of the server receiving the location information when the program of the user wireless terminal provides the location information to the server,
Wherein the fourth step further comprises the step of allowing the server to approve that the service is provided at the current location of the user wireless terminal corresponding to the location information.
The information processing apparatus according to claim 1,
Wherein the service providing method is stored in a database on a server in association with service target information identifying a user who receives a designated service from a service providing organization.
The method according to claim 1,
The first step may include storing the unique authentication information of the service providing organization that authenticates the service providing organization that provides the service to the user in the designated storage area of the memory unit of the user wireless terminal, Further comprising:
The third step is a step in which, when the program of the user wireless terminal provides unique authentication information of a service provider stored in a designated storage area of the memory unit to the server, the server receives the unique authentication information of the service provider Further included,
Wherein the fourth step further comprises confirming that the server is provided with a service of a service providing organization corresponding to the unique authentication information of the service providing organization.

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